PARTICIPANTFEEDISCLOSURE This document includes important information about the expenses you pay for participating in your company's retirement plan. It's important to review this information annually. It is divided into three sections: • Part I provides general information about the operation of the Plan • Part II provides information about the charges for administrative expenses the Plan may be charged • Part III provides information about individual expenses you may be charged as a Plan Participant or Beneficiary Later in this document, you'll find what's referred to as the "Comparative Chart of Plan Investment Options" ("Comparative Chart"), which will give you information about the Plan's investment options. You can get both of these documents, plus a glossary of investment terms, on Nationwide's website: • If you are currently participating in the Plan and have an account balance, you should log in at www.nrsforu.com • If you are an employee who is elgible to particpate in the Plan but have not yet enrolled, you should log in at nrsforu.com. Access the Learning Center, and then click on "Your Plan's Fee Disclosure" andenter your Plan number 0063968002. PARTI-GENERALPLANINFORMATION Designated investment options - The Plan provides designated investment options into which you can direct the investment of your plan funds. The Comparative Chart lists the designated investment options and provides information regarding the options. Giving investment instructions - After you are enrolled in the Plan, in order to manage your plan investments, you can call the Nationwide participant call center at or make your election online at www.nrsforu.com. You may direct your investments according to the provisions of your plan. For more information, please see your Plan Document. Limitations on instructions - You may give investment instructions on any day the New York Stock Exchange is openfor business. PARTII-ADMINISTRATIVEEXPENSES ThePlanpaysoutside service providers for plan administrative services, such as legal, accounting and recordkeeping services, unless the Plan Sponsor elects, at its own discretion, to pay some or all of the plan administrative expenses. The cost for these services fluctuates each year based on a variety of factors. To the extent these expenses are not charged against forfeitures or paid by the employer, or reimbursed by a third party, the Plan charges these expenses pro rata (i.e., based on the relative size of each account), at a flat rate per participant, or based on asset size against participants’ accounts. Someofyourplan's operating expenses are paid from the total annual operating expenses of one or more of the designated investment alternatives. For more information, please see the Comparative Chart of Investment Options. Please note that administrative service fees are subject to change. Feesthat may be charged by Nationwide, your retirement plan provider Explicit Asset Fee(s) - taken from participant account balance Explicit Asset Fee 0.1% per year Page 2 of 11