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[NATIONWIDE LOGO]
September 27, 2000
VIA EDGAR
The United States Securities
and Exchange Commission
Judiciary Plaza
450 Fifth Street, N.W.
Washington, D.C. 20549
Subject: Nationwide Variable Account-3 of
Nationwide Life Insurance Company
SEC File No. 33-24434
CIK No. 0000825555
Ladies and Gentlemen:
Pursuant to Rule 497(j) under the Securities Act of 1933 and on behalf of the
Nationwide Variable Account- 3 (the "Variable Account") and Nationwide Life
Insurance Company, we certify that the form of the prospectus which would have
been filed under paragraphs (b) and (c) under Rule 497 does not differ from the
form of the Prospectus contained in Post Effective Amendment No. 15 to the
Registration Statement for the Company and the Variable Account which became
effective September 20, 2000.
Please contact the undersigned at (614) 249-6567 with any questions regarding
this filing.
Very truly yours,
NATIONWIDE LIFE INSURANCE COMPANY
/s/ Linda G. Barnes
Linda G. Barnes
Sr. Compliance Analyst
