<PAGE> 1
SUPPLEMENT DATED NOVEMBER 22, 2000 TO
PROSPECTUS DATED MAY 1, 2000 FOR
MODIFIED SINGLE PREMIUM DEFERRED
VARIABLE ANNUITY CONTRACTS
ISSUED BY
NATIONWIDE LIFE INSURANCE COMPANY
THROUGH ITS
NATIONWIDE VARIABLE ACCOUNT - 9
THIS SUPPLEMENT UPDATES CERTAIN INFORMATION CONTAINED IN YOUR PROSPECTUS. PLEASE
READ IT AND KEEP IT WITH YOUR PROSPECTUS FOR FUTURE REFERENCE.
1. THE "UNDERLYING MUTUAL FUND ANNUAL EXPENSES" TABLE LOCATED ON PAGE 8 OF YOUR
PROSPECTUS IS AMENDED AS FOLLOWS:
<TABLE>
UNDERLYING MUTUAL FUND ANNUAL EXPENSES
(AS A PERCENTAGE OF UNDERLYING MUTUAL FUND NET ASSETS, AFTER EXPENSE REIMBURSEMENT)
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<CAPTION>
Management Other 12b-1 Fees Total Mutual
Fees Expenses Fund Expenses
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<S> <C> <C> <C> <C>
Victory Variable Insurance Funds - Diversified Stock Fund: 0.00% 1.00% 0.00% 1.00%
Class A
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Victory Variable Insurance Funds - Investment Quality Bond Fund: 0.00% 1.00% 0.00% 1.00%
Class A
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Victory Variable Insurance Funds - Small Company Opportunity 0.00% 1.00% 0.00% 1.00%
Fund: Class A
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</TABLE>
The expenses shown above are deducted by the underlying mutual fund before it
provides Nationwide with the daily net asset value. Nationwide then deducts
applicable variable account charges from the net asset value in calculating the
unit value of the corresponding sub-account. The management fees and other
expenses are more fully described in the prospectus for each underlying mutual
fund. Information relating to the underlying mutual funds was provided by the
underlying mutual funds and not independently verified by Nationwide.
Some underlying mutual funds are subject to fee waivers and expense
reimbursements. These fee waivers and expense reimbursements may be terminated
at any time by the underlying mutual fund or the funds' investment advisors, as
applicable. The following chart shows what the expenses would have been for such
funds without fee waivers and expense reimbursements.
<TABLE>
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<CAPTION>
Management Other 12b-1 Fees Total Mutual
Fees Expenses Fund Expenses
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<S> <C> <C> <C> <C>
Victory Variable Insurance Funds - Diversified Stock Fund: 0.30% 2.15% 0.00% 2.45%
Class A
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Victory Variable Insurance Funds - Investment Quality Bond Fund: 0.20% 5.35% 0.00% 5.55%
Class A
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Victory Variable Insurance Funds - Small Company Opportunity 0.30% 4.78% 0.00% 5.08%
Fund: Class A
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</TABLE>
(1)These figures reflect expenses that have been restated to reflect estimates
of current fees for the current fiscal year.
FHL-0644-4
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2. THE "EXAMPLE" CHART LOCATED ON PAGE 9 OF YOUR PROSPECTUS, IS AMENDED WITH
RESPECT TO THE FUNDS BELOW AS FOLLOWS:
THE FOLLOWING CHART SHOWS THE EXPENSES (IN DOLLARS) THAT WOULD BE INCURRED UNDER
THIS CONTRACT ASSUMING A $1,000 INVESTMENT, 5% ANNUAL RETURN, AND NO CHANGE IN
EXPENSES. THESE DOLLAR FIGURES ARE ILLUSTRATIVE ONLY AND SHOULD NOT BE
CONSIDERED A REPRESENTATION OF PAST OR FUTURE EXPENSES. ACTUAL EXPENSES MAY BE
GREATER OR LESS THAN THOSE SHOWN BELOW.
THE CHART REFLECTS THE EXPENSES OF BOTH THE VARIABLE ACCOUNT AND THE UNDERLYING
MUTUAL FUNDS. A 7 YEAR CDSC SCHEDULE AND A VARIABLE ACCOUNT CHARGE OF 1.70% IS
ASSUMED. DEDUCTIONS FOR PREMIUM TAXES ARE NOT REFLECTED BUT MAY APPLY.
<TABLE>
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<CAPTION>
If you surrender your If you do not surrender your If you annuitize your contract
contract at the end of the contract at the end of the at the end of the
applicable time period applicable time period applicable time period
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1 3 5 10 1 3 5 10 1 3 5 10
Yr. Yrs. Yrs. Yrs. Yr. Yrs. Yrs. Yrs. Yr. Yrs. Yrs. Yrs.
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<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Victory Variable Insurance 102 172 235 409 39 118 199 409 * 118 199 409
Funds - Diversified Stock
Fund: Class A
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Victory Variable Insurance 102 172 235 409 39 118 199 409 * 118 199 409
Funds - Investment Quality
Bond Fund: Class A
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Victory Variable Insurance 102 172 235 409 39 118 199 409 * 118 199 409
Funds - Small Company
Opportunity Fund: Class A
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</TABLE>
FHL-0644-4
