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.