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Plan Expenses and Additional Service Fees <br />The Contract Owner may decide to deduct expenses associated with the Plan or fees associated with additional <br />services provided to Participants from assets held under the Contract. Nationwide will deduct these expenses or fees <br />from the Contract. The Contract Owner must notify Nationwide in writing of the amount to be deducted for Plan <br />expenses and how these deductions will be apportioned among the Participant Accounts. <br />Additional Expense Charges <br />If the Contract Owner requests Nationwide to perform additional services related to the Contract, but not specifically <br />described herein, then Nationwide may assess charges for such services rendered against the assets held in the <br />Contract. Nationwide and the Contract Owner will agree in writing, and in advance, to the amount of charges <br />associated with the additional services described herein and how these deductions will be apportioned among the <br />Participant Accounts. <br />Premium Taxes <br />Nationwide will deduct from the Contract the amount of any premium taxes levied by a state or any other <br />government entity upon Purchase Payments received by Nationwide. The method used to recoup premium taxes <br />will be determined by Nationwide at its sole discretion and in compliance with applicable state law. <br />INTEREST CREDITING UNDER THE CONTRACT <br />The Contract offers an Annual Guaranteed Interest Rate and a Quarterly Guaranteed Interest Rate. Nationwide <br />credits interest to the Contract at these rates that it prospectively declares. Interest rates are determined at the sole <br />discretion of Nationwide, including any excess interest rates. Nationwide declares all of its rates as annual effective <br />yields. If at any time the Quarterly Guaranteed Interest Rate is equal to the Annual Guaranteed Interest Rate then <br />Nationwide reserves the right to discontinue accepting additional Purchase Payment and Transfer and Exchange <br />allocations to the Contract. <br />Contract guarantees are supported by the general account of Nationwide and are not insured by the FDIC, NCUSIF <br />or any other agency of the Federal government. The Contract is non -participating and will not share in any surplus <br />of Nationwide. <br />Guaranteed Interest Rates <br />The Guaranteed Minimum Interest Rate for the Contract is listed on the "Contract Specifications Page." Nationwide <br />reserves the right to modify the Guaranteed Minimum Interest Rate upon notice to the Contract Owner in <br />accordance with the Alteration or Modification section of the Contract. At no point will interest credited be less than <br />1%. <br />No later than the last Business Day of a calendar year, Nationwide declares the Annual Guaranteed Interest Rate for <br />the Contract for the next calendar year. In addition, no later than the last Business Day of a calendar quarter, <br />Nationwide will declare the Quarterly Guaranteed Interest Rate to be credited for the next calendar quarter. <br />Notwithstanding the preceding, the Withdrawal Value will be subject to a market value adjustment described herein <br />Exhibit A due to termination. <br />NRC -011017L 6 (Florida) (4/2011) <br />