PARTICIPANTFEEDISCLOSURE VARIABLERETURNINVESTMENTPERFORMANCE (continued) AverageAnnualReturn(%) FundName/ YTD 1 YR 3 YR 5 YR 10 YR Since Inception Collective Investment Fund Name Inception Date PIMCOIncomeFund:Institutional Class 4.74% 12.28% 2.01% 3.13% 4.10% 6.74% 03/30/2007 INDEX: Barclays US Agg Bond TR USD 5.53% 5.53% -3.31% 1.10% 1.81% N/A N/A Short-Term Investments Principal Funds, Inc. - Short-Term Income 4.44% 7.40% 2.04% 1.97% 2.09% N/A 11/01/1993 Fund - Institutional Class INDEX: Citigroup 1-3 Govt/Corp 4.61% 4.61% 0.09% 1.51% 1.27% N/A N/A Fixed Assets/Cash Vanguard Federal Money Market Fund - 4.44% 5.36% 3.68% 2.34% 1.65% 3.93% 07/13/1981 Investor Class INDEX: 3 Mos. T-Bill 5.26% 5.26% 2.25% 1.91% 1.26% N/A N/A FIXEDRETURNINVESTMENTS Thetable below shows your investment options that have a fixed rate of return. It shows the rate of return of each option, the term or length of time that you will earn this rate of return and other information relevant to performance. Name Period Interest Rate (Interest Yield) Nationwide True-Flex Fund 10/01/2024-12/31/2024 2.59% Theinterest earned in this contract can be changed quarterly as calculated by Nationwide and credited to the Guaranteed Fund. Theannualized effective interest rate does not include recapture of acquisition expenses, or any plan or participant fees. Such fees and charges, if applicable and reflected, would lower the performance. Your contract may contain exchange and/or transfer restrictions. Fundperformance is updated daily. The performance may display "N/A" during our system update, but will show the performance later in the day. Performance figures represent the total change in net assets with capital gains and income dividends reinvested, and reflect the deduction of the asset fee, if applicable. Returns are based on the current charges being applied to all historical time periods and do not include any other fees or expenses. Such fees and charges, if applicable, would have lowered the investment's performance. Norecommendationregarding these funds is intended. Though gathered from reliable sources, data accuracy and completeness cannot be guaranteed. Unusually high performance may be the result of current favorable market conditions and this performance may not be replicated in the future. CURRENTPERFORMANCEMAYBELOWERORHIGHERTHANTHEPASTPERFORMANCE SHOWN,WHICHDOESNOTGUARANTEEFUTURERESULTS.Shareprice,principalvalue,andreturn will vary, and you may have a gain or a loss when you sell your shares. Call 1-877-677-3678 to request a summary prospectus and/or a prospectus, or download prospectuses at www.nrsforu.com. These prospectuses outline investment objectives, risks, fees, charges and expenses, andother information that you should read and consider carefully before investing. Page 6 of 11