Common use of MANUAL PROCESSING PROCEDURES Clause in Contracts

MANUAL PROCESSING PROCEDURES. The purchase and redemption of shares of a Fund (“Shares”) (and settlement thereof) will normally follow the Fund/SERV-Defined Contribution Clearance and Settlement Service (“DCCS”) Processing Procedures below and the rules and procedures of the SCC Division of the National Securities Clearing Corporation (“NSCC”) shall govern the purchase and redemption of Shares (and settlement thereof) through NSCC by Nationwide. In the event of equipment failure or technical malfunctions or the parties’ inability to otherwise perform transactions pursuant to the FUND/SERV Processing Procedures, or the parties’ mutual consent to use manual processing, the Manual Processing Procedures below will apply. Issuance and transfer of Shares will be by book entry only. Stock certificates will not be issued. Shares purchased from the Fund will be recorded by the Distributor in the name of the appropriate Variable Account or the appropriate subaccount of each Variable Account. It is understood and agreed that, in the context of Section 22 of the Investment Company Act of 1940 (the “1940 Act”) and the rules and public interpretations thereunder by the staff of the Securities and Exchange Commission (“SEC Staff”), receipt by Nationwide of any Instructions from the contract owner prior to the close of trading (generally 4:00 p.m. Eastern Time (“ET”)) on the New York Stock Exchange (the "Close of Trading") on any Business Day shall be deemed to be receipt by the Funds of such Instructions solely for pricing purposes and shall cause purchases and sales to be deemed to occur at the Share Price for such Business Day, except as provided in 4(c) of the Manual Processing Procedures; provided in all cases that the Company receives such Instructions from Nationwide prior to 9:30 a.m. Eastern Time on the next following business day. Each Instruction shall be deemed to be accompanied by a representation by Nationwide that it has received proper authorization from each contract owner whose purchase, redemption, or account transfer transaction is effected as a result of such Instruction.

MANUAL PROCESSING PROCEDURES. The purchase purchase, redemption and redemption settlement of shares of a Fund (“Shares”) (and settlement thereof) will normally follow the Fund/SERV-Defined Contribution Clearance and Settlement Service (“DCCS”) Processing Procedures below and the rules and procedures of the SCC Division of the National Securities Clearing Corporation (“NSCC”) shall govern the purchase purchase, redemption and redemption settlement of Shares (and settlement thereof) of the Funds through NSCC by Nationwide. In the event of equipment failure or technical malfunctions or the parties’ inability to otherwise perform transactions pursuant to the FUND/SERV Processing Procedures, or the parties’ mutual consent to use manual processing, the Manual Processing Procedures below will apply. Issuance and transfer of Shares will be by book entry only. Stock certificates will not be issued. Shares purchased from the Fund will be recorded by the Distributor in the name of the appropriate Variable Account or the appropriate subaccount of each Variable Account. It is understood and agreed that, in the context of Section 22 of the Investment Company Act of 1940 (the “1940 Act”) and the rules and public interpretations thereunder by the staff of the Securities and Exchange Commission (“SEC Staff”’), receipt by Nationwide of any Instructions instructions for the purchase or sale of Shares (“Instructions”) from the contract owner Plan participant prior to the close of trading the New York Stock Exchange (the “Exchange”) or such other time as the Funds calculate their net asset value (generally 4:00 p.m. Eastern Time (“ET”)) on the New York Stock Exchange (the "“Close of Trading"”) on any day that the Exchange is open for business on which the Funds determine their net asset values (“Business Day Day”) shall be deemed to be receipt by the Funds of such Instructions solely for pricing purposes and shall cause purchases and sales to be deemed to occur at the net asset value per share (“Share Price Price”) for such Business Day, except as provided in 4(c) of the Manual Processing Procedures; , and provided in all cases further that the Company receives orders based on such Instructions from Nationwide prior (“Orders”) are transmitted to 9:30 a.m. Eastern Time NBMI on the next following business daya timely basis. Each Instruction Order shall be deemed to be accompanied by a representation by Nationwide that it has received proper authorization from each contract owner Plan participant whose purchase, redemption, or account transfer or exchange transaction is effected as a result of such Instructionthe Instructions that form the basis of the Order.

MANUAL PROCESSING PROCEDURES. The purchase purchase, redemption and redemption settlement of shares of a Fund (“Shares”) (and settlement thereof) will normally follow the Fund/SERV-Defined Contribution Clearance and Settlement Service (“DCCS”) Processing Procedures below and the rules and procedures of the SCC Division of the National Securities Clearing Corporation (“NSCC”) shall govern the purchase purchase, redemption and redemption settlement of Shares (and settlement thereof) of the Funds through NSCC by Nationwide Life Insurance Company (“Nationwide”). In the event of equipment failure or technical malfunctions or the parties’ inability to otherwise perform transactions pursuant to the FUND/SERV Processing Procedures, or the parties’ mutual consent to use manual processing, the Manual Processing Procedures below will apply. Issuance and transfer of Shares will be by book entry only. Stock certificates will not be issued. Shares purchased from the Fund will be recorded by the Distributor in the name of the appropriate Variable Account or the appropriate subaccount of each Variable Account. It is understood and agreed that, in the context of Section 22 of the Investment Company Act of 1940 (the “1940 Act”) and the rules and public interpretations thereunder by the staff of the Securities and Exchange Commission (“SEC Staff”), receipt by Nationwide of any Instructions from the contract owner prior to the close of trading (generally 4:00 p.m. Eastern Time (“ET”)) on the New York Stock Exchange (the "Close of Trading") Trade on any Business Day shall be deemed to be receipt by the Funds of such Instructions solely for pricing purposes and shall cause purchases and sales to be deemed to occur at the Share Price for such Business Day, except as provided in 4(c) of the Manual Processing Procedures; provided in all cases that the Company receives such Instructions from Nationwide prior to 9:30 a.m. Eastern Time on the next following business day. Each Instruction shall be deemed to be accompanied by a representation by Nationwide that it has received proper authorization from each contract owner whose purchase, redemption, or account transfer or exchange transaction is effected as a result of such Instruction.. Fund/Serv / DCCS Processing Procedures

MANUAL PROCESSING PROCEDURES. The purchase purchase, redemption and redemption settlement of shares of a Fund (“Shares”) (and settlement thereof) will normally follow the Fund/SERV-Defined Contribution Clearance and Settlement Service (“DCCS”) Processing Procedures below and the rules and procedures of the SCC Division of the National Securities Clearing Corporation (“NSCC”) shall govern the purchase purchase, redemption and redemption settlement of Shares (and settlement thereof) of the Funds through NSCC by Nationwide Life Insurance Company (“Nationwide”). In the event of equipment failure or technical malfunctions or the parties’ inability to otherwise perform transactions pursuant to the FUND/SERV Processing Procedures, or the parties’ mutual consent to use manual processing, the Manual Processing Procedures below will apply. Issuance and transfer of Shares will be by book entry only. Stock certificates will not be issued. Shares purchased from the Fund will be recorded by the Distributor in the name of the appropriate Variable Account or the appropriate subaccount of each Variable Account. It is understood and agreed that, in the context of Section 22 of the Investment Company Act of 1940 (the “1940 Act”) and the rules and public interpretations thereunder by the staff of the Securities and Exchange Commission (“SEC Staff”), receipt by Nationwide of any Instructions from the contract owner prior to the close of trading (generally 4:00 p.m. Eastern Time (“ET”)) on the New York Stock Exchange (the "Close of Trading") Trade on any Business Day shall be deemed to be receipt by the Funds of such Instructions solely for pricing purposes and shall cause purchases and sales to be deemed to occur at the Share Price for such Business Day, except as provided in 4(c) of the Manual Processing Procedures; provided in all cases that the Company receives such Instructions from Nationwide prior to 9:30 a.m. Eastern Time on the next following business day. Each Instruction shall be deemed to be accompanied by a representation by Nationwide that it has received proper authorization from each contract owner whose purchase, redemption, or account transfer or exchange transaction is effected as a result of such Instruction.