Participant Fee Disclosure - Noblesville Schools 401A Plan

Page 1 of 11 PARTICIPANT FEE DISCLOSURE 10/31/2024 NOBLESVILLE SCHOOLS 401A PLAN Plan Number: 0063968002 Dear Plan Participant, This document includes important information to help you understand your retirement plan. Inside you'll find: General information about the operation of the Plan Information about administrative charges and expenses Information about individual expenses you may be charged as a participant or beneficiary A Comparative Chart of Plan Investment Options You should review these materials carefully. Although no action is required, this information is valuable when monitoring your plan account. To access your account information, make any changes to your account or view Participant Fee Disclosure including the Glossary of Investment Terms, visit www.nrsforu.com . Sincerely, NOBLESVILLE SCHOOLS 401A PLAN

PARTICIPANT FEE DISCLOSURE Page 2 of 11 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" and enter your Plan number 0063968002. PART I - GENERAL PLAN INFORMATION 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 open for business. PART II - ADMINISTRATIVE EXPENSES The Plan pays outside 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. Some of your plan'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. Fees that 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

PARTICIPANT FEE DISCLOSURE Page 3 of 11 PART III - INDIVIDUAL EXPENSES The Plan imposes certain 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: Fees that may be charged by Nationwide, your retirement plan provider Withdrawal Fee(s) Overnight Fee $25.00 per transaction

PARTICIPANT FEE DISCLOSURE Page 4 of 11 PARTICIPANT DISCLOSURE COMPARATIVE CHART The Comparative Chart is divided into two sections: PART I consists of performance information for plan investment options PART II details the fees and expenses you'll pay for investing in a particular option PART I - PERFORMANCE INFORMATION VARIABLE RETURN INVESTMENT PERFORMANCE AS OF: 10/31/2024 The table shows how these options have performed over time and allows you to compare them with an appropriate benchmark for the same time periods. A benchmark is an unmanaged group of securities whose performance is used as a standard to measure investment performance. Some well- known benchmarks are the Dow Jones Industrial Average and the S&P 500 Index. The results shown represent past performance and do not represent expected future performance or experience. Past performance does not guarantee future results. Investment return and principal value of an investment will fluctuate so that an investors shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the data quoted. To obtain performance data for the most recent month-end, please call 1-877-677-3678 or visit www.nrsforu.com . Average Annual Return (%) Fund Name/ Collective Investment Fund Name YTD 1 YR 3 YR 5 YR 10 YR Since Inception Inception Date Asset Allocation American Funds 2055 Target Date Retirement Fund - Class R6 14.46% 31.21% 4.03% 10.77% 9.49% 10.61% 02/01/2010 American Funds 2010 Target Date Retirement Fund - Class R6 8.38% 18.22% 2.87% 5.62% 5.29% 5.17% 02/01/2007 American Funds 2015 Target Date Retirement Fund - Class R6 8.64% 19.04% 2.82% 5.96% 5.61% 5.47% 02/01/2007 American Funds 2020 Target Date Retirement Fund - Class R6 9.13% 20.26% 2.95% 6.36% 6.05% 5.77% 02/01/2007 American Funds 2025 Target Date Retirement Fund - Class R6 9.35% 20.98% 2.70% 7.09% 6.71% 6.40% 02/01/2007 American Funds 2030 Target Date Retirement Fund - Class R6 10.48% 23.47% 3.10% 8.11% 7.63% 7.08% 02/01/2007 American Funds 2035 Target Date Retirement Fund - Class R6 12.12% 26.44% 3.57% 9.56% 8.69% 7.67% 02/01/2007 American Funds 2040 Target Date Retirement Fund - Class R6 13.83% 29.52% 4.22% 10.55% 9.29% 8.04% 02/01/2007 American Funds 2045 Target Date Retirement Fund - Class R6 14.21% 30.43% 4.28% 10.77% 9.47% 8.14% 02/01/2007 American Funds 2050 Target Date Retirement Fund - Class R6 14.35% 30.86% 4.13% 10.82% 9.52% 8.17% 02/01/2007

PARTICIPANT FEE DISCLOSURE Page 5 of 11 VARIABLE RETURN INVESTMENT PERFORMANCE (continued) Average Annual Return (%) Fund Name/ Collective Investment Fund Name YTD 1 YR 3 YR 5 YR 10 YR Since Inception Inception Date American Funds 2060 Target Date Retirement Fund - Class R6 14.42% 31.26% 3.99% 10.74% N/A 9.60% 03/27/2015 American Funds 2065 Target Date Retirement Fund - Class R6 14.48% 31.30% 4.01% N/A N/A 15.37% 03/27/2020 INDEX: Balanced Benchmark 12.70% 12.70% 1.59% 6.89% 5.49% N/A N/A Specialty Cohen & Steers Real Estate Securities Fund, Inc. - Institutional Class 14.23% 37.40% 0.90% 5.73% 8.22% 9.38% 07/15/1998 INDEX: S&P United States REIT TR USD 15.69% 34.24% 5.04% 5.49% 7.66% N/A N/A International EuroPacific Growth Fund(R) - Class R6 8.41% 23.52% -1.94% 5.92% 5.79% 10.18% 04/16/1984 MFS International Equity Fund - Class R6 7.41% 22.34% 3.64% 7.98% 7.21% 7.88% 01/30/1996 New World Fund(SM) - Class R6 9.71% 23.35% -0.69% 6.83% 6.37% 7.99% 06/17/1999 INDEX: EAFE 18.24% 18.24% 4.02% 8.16% 4.28% N/A N/A Small Cap Fidelity Advisor Small Cap Value Fund - Class Z 7.72% 29.96% 3.96% 12.13% 9.41% 10.43% 11/03/2004 Vanguard(R) Explorer(TM) Fund - Admiral(TM) Shares 8.97% 31.75% -0.27% 10.65% 10.31% 9.57% 11/12/2001 Vanguard(R) Small-Cap Index Fund - Admiral(TM) Shares 11.56% 34.34% 2.46% 10.15% 9.08% 9.18% 11/13/2000 INDEX: Russell 2000 16.93% 16.93% 2.22% 9.97% 7.16% N/A N/A Mid Cap American Century Mid Cap Value Fund - Class R6 9.59% 23.86% 6.05% 9.07% 8.77% 9.62% 07/26/2013 Carillon Eagle Mid Cap Growth Fund - Class R6 8.15% 28.94% -2.30% 10.14% 10.76% 12.62% 08/15/2011 Vanguard(R) Mid-Cap Index Fund - Admiral(TM) Shares 14.22% 34.61% 2.94% 10.88% 9.79% 10.09% 11/12/2001 INDEX: S&P 400 16.44% 16.44% 8.09% 12.62% 9.27% N/A N/A Large Cap Fidelity 500 Index Fund 20.96% 37.99% 9.07% 15.26% 12.99% 10.99% 02/17/1988 Fidelity Large Cap Growth Index Fund 24.07% 43.77% 8.82% 18.97% N/A 18.09% 06/07/2016 Vanguard Equity-Income Admiral Shares 15.13% 28.78% 8.72% 11.11% 10.28% 8.74% 08/13/2001 INDEX: S&P 500 26.29% 26.29% 10.00% 15.69% 12.03% N/A N/A Bonds Janus Henderson Developed World Bond Fund - Class I 0.75% 10.97% -3.49% -0.58% 2.27% 3.67% 09/30/2003 TCW MetWest Total Return Bond Fund - Class P Shares 1.78% 11.64% -2.71% -0.12% 1.58% 2.53% 07/29/2011

PARTICIPANT FEE DISCLOSURE Page 6 of 11 VARIABLE RETURN INVESTMENT PERFORMANCE (continued) Average Annual Return (%) Fund Name/ Collective Investment Fund Name YTD 1 YR 3 YR 5 YR 10 YR Since Inception Inception Date PIMCO Income Fund: 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 Fund - Institutional Class 4.44% 7.40% 2.04% 1.97% 2.09% N/A 11/01/1993 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 - Investor Class 4.44% 5.36% 3.68% 2.34% 1.65% 3.93% 07/13/1981 INDEX: 3 Mos. T-Bill 5.26% 5.26% 2.25% 1.91% 1.26% N/A N/A FIXED RETURN INVESTMENTS The table 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% The interest earned in this contract can be changed quarterly as calculated by Nationwide and credited to the Guaranteed Fund. The annualized 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. Fund performance 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. No recommendation regarding 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. CURRENT PERFORMANCE MAY BE LOWER OR HIGHER THAN THE PAST PERFORMANCE SHOWN, WHICH DOES NOT GUARANTEE FUTURE RESULTS. Share price, principal value, and return 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, and other information that you should read and consider carefully before investing.

PARTICIPANT FEE DISCLOSURE Page 7 of 11 UNDERSTANDING RISKS Stock markets are volatile and can decline in response to adverse developments. Particular funds can react differently to these developments. Here is a list of some but not all of the risks associated with the funds. For specific risks related to each fund, see the fund's prospectus. 1. MONEY MARKET FUNDS: These funds are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although they seek to preserve the value of your investment at $1.00 per share, it's possible to lose money by investing in money market funds. The fund may impose a fee upon sale of shares or temporarily suspend the ability to sell shares if the fund's liquidity falls below required minimums because of market conditions or other factors. 2. INTERNATIONAL/EMERGING MARKETS FUNDS: Funds that invest internationally involve risks not associated with investing solely in the United States, such as currency fluctuation, political risk, differences in accounting and the limited availability of information. 3. SMALL-/MID-CAP FUNDS: Funds investing in stocks of small-cap, mid-cap or emerging companies may have less liquidity than those investing in larger, established companies and may be subject to greater price volatility and risk than the overall stock market. 4. LARGE CAP FUNDS: Funds that invest in stocks of large-cap companies (those with a market capitalization value of more than $10 billion) and represent the majority of the U.S. equity market. They are often looked to as core portfolio investments. Characteristics often associated with large cap stocks include transparency and stability. 5. HIGH-YIELD FUNDS: Funds that invest in high-yield securities are subject to greater credit risk and price fluctuations than funds that invest in higher-quality securities. 6. NONDIVERSIFIED FUNDS: Funds that invest in a concentrated sector or focus on a relatively small number of securities may be subject to greater volatility than a more diversified investment. 7. SPECIALTY FUNDS: Funds that invests predominantly or exclusively in a single industry, sector, or region of the world. Specialty funds perform well when their industries perform well, but they are risky because there is no attempt at diversification. 8. GOVERNMENT FUNDS: While the funds invest primarily in the securities of the U.S. government and its agencies, the values are not guaranteed by these entities. 9. REAL ESTATE FUNDS: Funds that focus on real estate investing are sensitive to economic and business cycles, changing demographic patterns and government actions. 10. FUND-OF-FUNDS: Designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. Therefore, in addition to the expenses of the portfolio, you are indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds. 11. BOND FUNDS: These funds have the same interest rate, inflation and credit risks associated with the underlying bonds owned by the fund. Interest rate risk is the possibility of a change in the value of a bond due to changing interest rates. Inflation risk arises from the decline in value of cash flows due to loss of purchasing power. Credit risk is the potential loss on an investment based on the bond issuer's failure to repay on the amount borrowed. 12. TARGET DATE/MATURITY FUNDS: For products that do include Target Date/Maturity funds please keep in mind that like other funds, target date funds are subject to market risk and loss. Loss of principal can occur at any time, including before, at or after the target date. There is no guarantee that target date funds will provide enough income for retirement. 13. MANAGED VOLATILITY FUNDS: Funds that are designed to offer traditional long-term investments blended with a strategy that seeks to mitigate risk and manage portfolio volatility. These funds may not be successful in reducing volatility, and it is possible that the funds' volatility management strategies could result in losses greater than if the funds did not use such strategies.

PARTICIPANT FEE DISCLOSURE Page 8 of 11 UNDERSTANDING RISKS (continued) 14. ASSET ALLOCATION FUNDS: Designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. The use of asset allocation as a part of an overall investment strategy does not assure a profit or protect against loss in declining market. 15. COMMODITIES/NATURAL RESOURCES: Specific uncertainties associated with commodities and natural resources investing include changes in supply-and-demand relationships due to environmental, economic and political factors, which may cause increased volatility and decreased liquidity.

PARTICIPANT FEE DISCLOSURE Page 9 of 11 PART II - FEE AND EXPENSE INFORMATION VARIABLE OPTIONS FEES AND EXPENSES This table shows fee and expense information for the investment options, including the Total Annual Operating Expense, which reduces the rate of return of the investment option. It also shows Shareholder-type Fees and Fund Restrictions, if applicable. These fees are in addition to Total Annual Operating Expenses. Fund Name/ Collective Investment Fund Name Gross Expense Ratio Net Expense Ratio Explicit Asset Fee Total Annual Operating Expenses Cost Per $1,000 Asset Allocation American Funds 2010 Target Date Retirement Fund - Class R6 0.29% 0.29% 0.10% 0.39% $3.90 American Funds 2015 Target Date Retirement Fund - Class R6 0.30% 0.30% 0.10% 0.40% $4.00 American Funds 2020 Target Date Retirement Fund - Class R6 0.31% 0.31% 0.10% 0.41% $4.10 American Funds 2025 Target Date Retirement Fund - Class R6 0.32% 0.32% 0.10% 0.42% $4.20 American Funds 2030 Target Date Retirement Fund - Class R6 0.33% 0.33% 0.10% 0.43% $4.30 American Funds 2035 Target Date Retirement Fund - Class R6 0.35% 0.35% 0.10% 0.45% $4.50 American Funds 2040 Target Date Retirement Fund - Class R6 0.37% 0.37% 0.10% 0.47% $4.70 American Funds 2045 Target Date Retirement Fund - Class R6 0.37% 0.37% 0.10% 0.47% $4.70 American Funds 2050 Target Date Retirement Fund - Class R6 0.38% 0.38% 0.10% 0.48% $4.80 American Funds 2055 Target Date Retirement Fund - Class R6 0.38% 0.38% 0.10% 0.48% $4.80 American Funds 2060 Target Date Retirement Fund - Class R6 0.39% 0.39% 0.10% 0.49% $4.90 American Funds 2065 Target Date Retirement Fund - Class R6 0.39% 0.39% 0.10% 0.49% $4.90 Specialty Cohen & Steers Real Estate Securities Fund, Inc. - Institutional Class 0.84% 0.84% 0.10% 0.94% $9.40 International EuroPacific Growth Fund(R) - Class R6 0.47% 0.47% 0.10% 0.57% $5.70 MFS International Equity Fund - Class R6 0.69% 0.68% 0.10% 0.79% $7.90 New World Fund(SM) - Class R6 0.57% 0.57% 0.10% 0.67% $6.70 Small Cap Fidelity Advisor Small Cap Value Fund - Class Z 0.91% 0.91% 0.10% 1.01% $10.10

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.

PARTICIPANT FEE DISCLOSURE Nationwide Retirement Solutions, Inc. and its affiliates (Nationwide) offer a variety of investment options to public sector retirement plans through variable annuity contracts, trust or custodial accounts. Nationwide may receive payments from mutual funds or their affiliates in connection with those investment options. Additionally, Nationwide may enter into arrangements to allocate all or a portion of these payments to plan sponsors for plan expenses. For more detail about the payments Nationwide receives, please visit www.nrsforu.com. Certain underlying investment options are not publicly traded mutual funds and are not available directly for purchase by the general public. They are only available through variable annuity/variable life insurance policies issued by life insurance companies or in some cases, through participation in certain qualified pension or retirement plans. Nationwide, the Nationwide N and Eagle and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. 2024 Nationwide NRM-13483AO.4 Page 11 of 11 GROSS EXPENSE RATIO: The percentage of fund assets paid for operating expenses and management fees, including 12-b-1 fees, administrative fees, and all other asset-based costs incurred by the fund, except brokerage costs. Fund expenses are reflected in the fund's net asset value (NAV). Additional information can be found in the applicable fund prospectus. NET EXPENSE RATIO: The net prospectus expense shown is after fund management expense waivers or reimbursements. For more information about management expense waivers or reimbursements, please see the fund profile. EXPLICIT ASSET FEE : This fee pays for services provided by Nationwide including access to a wide array of investment options, recordkeeping platform, customer service, etc. The Annual Operating Expenses section is inclusive of the Explicit Asset Fee. Additional details regarding this fee can be found in the Administrative Fee section of Participant Fee Disclosure. The Explicit Asset Fee is assessed monthly from plan assets and payments are made to Nationwide Trust Company. TOTAL ANNUAL OPERATING EXPENSES: This is the sum of the Gross Expense Ratio and the Explicit Asset Fee.