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In the event any modifications to the charge structures, contact information or elections stated on the "Contract <br />Specifications Page" are made, Nationwide will provide updated "Contract Specifications Page" to the Contract Owner. <br />The new "Contract Specifications Page" will supersede the existing pages on the effective date ofthe change. <br />Plan Amendment <br />Unless otherwise provided, the Contract Owner will notify Nationwide at least thirty (30) days prior to the effective <br />date of the following events: <br />1. amendment or modification of the Plan that may materially affect Nationwide's obligations hereunder; <br />2. change in the administrative practices adhered to by the Plan that may materially affect Nationwide; or <br />3. change in the investment options offered by the Plan, including addition of investment options or <br />alteration and/or modification of investment options. <br />The Plan is not a part of this Contract. Nationwide's rights and obligations are governed by the Contract. <br />Notwithstanding the foregoing, Nationwide may amend the Contract when, in the opinion of Nationwide, an <br />amendment is necessary to comply with the action of any legislative, judicial, or regulatory body which impacts the <br />Contract. In the event such amendments to the Contract cause an adverse financial impact to the Plan, the Contract <br />may be terminated by the Contract Owner in accordance with the Termination provision of the Contract. <br />The Contract Owner may amend the Plan when, in the opinion of the Contract Owner, an amendment is necessary to <br />comply with the action of any legislative, judicial or regulatory body which impacts the Plan. In the event such <br />amendments to the Plan cause an adverse financial impact to Nationwide, the Contract may be terminated by <br />Nationwide in accordance with the Termination provision of the Contract. <br />Number <br />Unless otherwise provided, all references in this Contract in the singular form will include the plural; all references <br />in the plural form will include the singular. <br />CONTRACT EXPENSES <br />Nationwide will deduct the applicable charges described herein. <br />Contract expenses are negotiated between Nationwide and the Contract Owner based on a multitude of factors, <br />including, but not limited to, the number of Participants covered by the Contract, the size of Plan assets, the overall <br />expense structure of the Plan, and how the Contract Owner wants expenses distributed. The expenses described <br />herein are deducted from Participant Accounts. <br />Contract Maintenance Charge <br />Nationwide may assess a Contract Maintenance Charge. The Contract Maintenance Charge is a flat dollar fee <br />assessed against the assets of the Contract. If this charge is assessed by Nationwide, the amount and frequency is <br />stated on the Contract Specifications Page. Unless otherwise agreed to by Nationwide in writing, the Contract <br />Owner will determine how this charge is to be allocated and deducted from Participant Accounts. <br />Participant Account Charge <br />Nationwide may assess a Participant Account Charge against each Participant Account. The Participant Account <br />Charge is a flat -dollar fee. If this charge is assessed by Nationwide the amount and frequency is stated on the <br />Contract Specifications Page. <br />NRC-0110FL 5 (Florida) (4/2011) <br />