0001193125-20-317634 Sample Contracts

FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • December 15th, 2020 • Nationwide Variable Account 4 • Delaware

This Fund Participation Agreement dated as of the 5th day of November, 2020 (“Agreement”) is made by and among Nationwide Financial Services, Inc. (“NFS”), on behalf of itself and its subsidiaries listed on Exhibit A (collectively, “Nationwide” unless otherwise indicated) and the current and any future Nationwide separate accounts as applicable (“Variable Accounts”), Principal Variable Contracts Funds, Inc. (“Corporation”), and Principal Funds Distributor, Inc. (“Company”) which serves as the principal underwriter to the mutual funds listed on Exhibit B (each a “Fund” and collectively, the “Funds”).

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