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May 1, 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
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 (1933 "Act") and on
behalf of Nationwide Variable Account-3 (the "Variable Account") and Nationwide
Life Insurance Company (the "Company"), we certify that the form of the
Prospectus and the Statement of Additional Information that would have been
filed under paragraphs (b) and (c) under Rule 497 of the 1933 Act do not differ
from the form of the Prospectus and the Statement of Additional Information
contained in Post-Effective Amendment No. 14 to the Registration Statement for
the Company and the Variable Account which became effective May 1, 2000.
Please contact the undersigned at (614) 249-0075 with any questions regarding
this filing.
Sincerely,
NATIONWIDE LIFE INSURANCE COMPANY
Heather Harker, Esq.
Director of Compliance
Cc: Mr. Keith Carpenter, Esq.
Branch Chief
Stop 5-6
Office of Insurance Products and Legal Compliance
