PARTICIPANTFEEDISCLOSURE PARTIII - INDIVIDUAL EXPENSES ThePlanimposescertain charges against individual participants' accounts, rather than against the Plan as a whole, when individual participants incur the charges. These charges may arise based on your use of a feature available under the Plan (e.g., participant distributions), or based on the application of applicable law (e.g., processing a domestic relations order in case of a divorce). In addition, buying or selling some investments may result in charges to your individual account, such as redemption fees. The Comparative Chart provides information about the expenses. The Plan charges the following: Feesthat may be charged by Nationwide, your retirement plan provider Withdrawal Fee(s) Overnight Fee $25.00 per transaction Page 3 of 11