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SUPPLEMENT DATED FEBRUARY 20, 1996 TO
PROSPECTUS DATED MAY 1, 1995 FOR
INDIVIDUAL DEFERRED VARIABLE ANNUITY CONTRACTS
ISSUED BY NATIONWIDE LIFE INSURANCE COMPANY
THROUGH ITS
NATIONWIDE VARIABLE ACCOUNT - II
This supplement updates certain information contained in your prospectus.
Please read it and keep it with your prospectus for future reference.
THE "ELIMINATION OF CONTINGENT DEFERRED SALE CHARGE" SECTION OF THE PROSPECTUS
IS HEREBY AMENDED BY ADDING THE FOLLOWING AS THE FIRST PARAGRAPH:
The waiver of Contingent Deferred Sales Charge set forth in A through E
below shall NOT be available for 403(b) Tax Sheltered Annuity Contracts except
in those state jurisdictions in which the insurance regulatory authorities have
not approved amendatory Contract language making this change.
