PARTICIPANT FEE DISCLOSURE Page 10 of 11 VARIABLE OPTIONS FEES AND EXPENSES (continued) Fund Name/ Collective Investment Fund Name Gross Expense Ratio Net Expense Ratio Explicit Asset Fee Total Annual Operating Expenses Cost Per $1,000 Vanguard(R) Explorer(TM) Fund - Admiral(TM) Shares 0.34% 0.34% 0.10% 0.44% $4.40 Vanguard(R) Small-Cap Index Fund - Admiral(TM) Shares 0.05% 0.05% 0.10% 0.15% $1.50 Mid Cap American Century Mid Cap Value Fund - Class R6 0.63% 0.63% 0.10% 0.73% $7.30 Carillon Eagle Mid Cap Growth Fund - Class R6 0.64% 0.64% 0.10% 0.74% $7.40 Vanguard(R) Mid-Cap Index Fund - Admiral(TM) Shares 0.05% 0.05% 0.10% 0.15% $1.50 Large Cap Fidelity 500 Index Fund 0.02% 0.01% 0.10% 0.12% $1.15 Fidelity Large Cap Growth Index Fund 0.04% 0.03% 0.10% 0.14% $1.35 Vanguard Equity-Income Admiral Shares 0.18% 0.18% 0.10% 0.28% $2.80 Bonds Janus Henderson Developed World Bond Fund - Class I 0.69% 0.57% 0.10% 0.79% $7.90 PIMCO Income Fund: Institutional Class 0.83% 0.83% 0.10% 0.93% $9.30 TCW MetWest Total Return Bond Fund - Class P Shares 0.37% 0.37% 0.10% 0.47% $4.70 Short-Term Investments Principal Funds, Inc. - Short-Term Income Fund - Institutional Class 0.41% 0.41% 0.10% 0.51% $5.10 FIXED OPTION FEES AND EXPENSES The table below shows your investment options that have a fixed rate of return. It also includes any trade restrictions on the fixed investment options, if applicable. Name Gross Expense Ratio Net Expense Ratio Explicit Asset Fee Total Annual Operating Expenses Cost Per $1,000 Fixed Assets/Cash Nationwide True-Flex Fund N/A N/A 0.10% 0.10% $1.00 The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Labor's Web site for an example showing the long-term effect of fees and expenses at http://www.dol.gov/ebsa/publications/401k_employee.html. Fees and expenses are just two of many factors to consider when you decide to put money in an investment option. You may also want to think about whether investing in a particular option, along with your other investments, will help you achieve your financial goals.