Nationwide Variable Account-15 Sample Contracts

PARTICIPATION AGREEMENT AMONG MFS VARIABLE INSURANCE TRUST, MFS VARIABLE INSURANCE TRUST II, NATIONWIDE FINANCIAL SERVICES, INC. AND MFS FUND DISTRIBUTORS, INC.
Participation Agreement • September 9th, 2019 • Nationwide Variable Account-15 • Massachusetts

THIS AGREEMENT, made and entered into this 2nd day of May 2011, with effect from November 25, 2009, by and among MFS VARIABLE INSURANCE TRUST, a Massachusetts business trust (the “Trust I”), MFS VARIABLE INSURANCE TRUST II, a Massachusetts business trust (the “Trust II”) (Trust I and Trust II each referred to, individually, as the “Trust” and, collectively, as the “Trusts”), Nationwide Financial Services, Inc., a Delaware corporation, on its own behalf, on behalf of its subsidiaries Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company (collectively, the “Company”), and on behalf of all current and future separate accounts of the Company (the “Accounts”), and MFS Fund Distributors, Inc., a Delaware corporation (“MFD”).

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FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • September 9th, 2019 • Nationwide Variable Account-15 • Ohio

This Agreement dated as of the 7th day of June, 2018 is made by and among Nationwide Financial Services. Inc. on behalf of its subsidiaries listed on Exhibit A (collectively, “Nationwide”) and the current and any future Nationwide separate accounts as applicable (“Variable Accounts”) and Probabilities Fund Management LLC (the “Company”) which serves as adviser/distributor to the mutual funds (each such fund, a “Fund” and collectively, the “Funds”) listed on Exhibit B.

CERTAIN INFORMATION IN THIS EXHIBIT HAS BEEN REDACTED BECAUSE IT IS BOTH NOT MATERIAL AND WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. ADMINISTRATIVE SERVICE AGREEMENT
Administrative Service Agreement • December 1st, 2021 • Nationwide Variable Account-15

This Administrative Service Agreement (the “Agreement”), effective October 1, 2018 is made by and between Nationwide Financial Services, Inc. (“NFS”) and VP Distributors, LLC (the “Company”);

ADMINISTRATIVE SERVICE AGREEMENT
Administrative Service Agreement • December 1st, 2021 • Nationwide Variable Account-15

This Administrative Service Agreement (the “Agreement”), effective November 1, 2018 is made by and between Nationwide Financial Services, Inc. (“NFS”) and FEF Distributors, LLC (the “Company”);

FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • February 14th, 2019 • Nationwide Variable Account-15 • Ohio

This Agreement dated as of the 1st day of November 01, 2018 is made by and among Nationwide Financial Services, Inc. on behalf of its subsidiaries listed on Exhibit A (collectively, “Nationwide”) and the current and any future Nationwide separate accounts as applicable (“Variable Accounts”), Redwood Investment Management, LLC (the “Company”) which serves as investment adviser to the mutual funds (each such fund, a “Fund” and collectively, the “Funds”) listed on Exhibit B, and Northern Lights Distributors, LLC (the “Distributor”) which serves as principal underwriter/distributor of the Funds.

FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • February 14th, 2019 • Nationwide Variable Account-15 • Ohio

This Agreement dated as of the 1st day of November, 2018 is made by and among Nationwide Financial Services, Inc. on behalf of its subsidiaries listed on Exhibit A (collectively, “Nationwide”) and the current and any future Nationwide separate accounts as applicable (“Variable Accounts”) and John Hancock Distributors, LLC (the “Company”) which serves as distributor to the mutual funds (each such fund, a “Fund” and collectively, the “Funds”) listed on Exhibit B and the Funds, each of which is a series of John Hancock Variable Insurance Trust (the “Trust”).

ADMINISTRATIVE SERVICE AGREEMENT
Administrative Service Agreement • December 1st, 2021 • Nationwide Variable Account-15

Pursuant to the Agreement, NFS shall perform and incur expenses for all administrative services with respect to the Variable Products and their contract owners, including but not limited to, the following:

MFS Fund Distributors, Inc.
Letter Agreement • September 9th, 2019 • Nationwide Variable Account-15

This Letter Agreement shall supersede all prior agreements relating to its subject matter including, but not limited to, the Participation Agreement by and among Nationwide Life Insurance Company, Nationwide Life and Annuity Insurance Company, Nationwide Life Insurance Company of America, Nationwide Life and Annuity Company of America, and Massachusetts Financial Services Company dated February 1, 2003, as amended.

ADMINISTRATIVE SERVICE AGREEMENT
Administrative Services Agreement • December 1st, 2021 • Nationwide Variable Account-15

This Administrative Service Agreement (the “Agreement”), effective this 11th day of July, 2008 is made by and between Nationwide Financial Services, Inc. (“NFS”) and Legg Mason Investor Services, LLC (the “Company”) (a successor in interest to Citigroup Global Markets, Inc., Salomon Smith Barney, Inc., Salomon Brothers Inc., Salomon Brothers Asset Management, Inc. and Smith Barney, Harris Upham & Co. Incorporated);

CERTAIN INFORMATION IN THIS EXHIBIT HAS BEEN REDACTED BECAUSE IT IS BOTH NOT MATERIAL AND WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. ADMINISTRATIVE SERVICE AGREEMENT
Administrative Service Agreement • December 1st, 2021 • Nationwide Variable Account-15

This Administrative Service Agreement (the “Agreement”), effective November 1, 2018 is made by and between Nationwide Financial Services, Inc. (“NFS”) and John Hancock Investment Management Services, LLC (the “Company”);

ADMINISTRATIVE SERVICE AGREEMENT
Administrative Service Agreement • December 1st, 2021 • Nationwide Variable Account-15

This Administrative Service Agreement (the “Agreement”), effective this 1st day of October is made by and between Nationwide Financial Services, Inc. and Nationwide Investment Services Corporation (collectively, “NFS”) and Fred Alger Management, Inc. and Fred Alger & Company, Incorporated (“Collectively”);

ADMINISTRATIVE SERVICE AGREEMENT
Administrative Service Agreement • December 1st, 2021 • Nationwide Variable Account-15

This Administrative Service Agreement (the “Agreement”), effective as of May 1, 2016 is made by and between Nationwide Financial Services, Inc. (“NFS”) and New York Life Investment Management LLC and NYLIFE Distributors LLC (New York Life Investment Management LLC and NYLIFE Distributors LLC are collectively referred to herein, as the context requires, as the “Company”);

CERTAIN INFORMATION IN THIS EXHIBIT HAS BEEN REDACTED BECAUSE IT IS BOTH NOT MATERIAL AND WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SERVICE AGREEMENT
Service Agreement • December 1st, 2021 • Nationwide Variable Account-15

This Service Agreement (the “Agreement”), effective October 10, 2013 is made by and among Nationwide Financial Services, Inc. (“NFS”), ALPS Advisors, Inc. (the “Adviser”), ALPS Portfolio Solutions Distributor, Inc. (the “Distributor”) and ALPS Variable Investment Trust (the “Company”);

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