<PAGE> 1
[NATIONWIDE LOGO]
NATIONWIDE(R)
VA SEPARATE ACCOUNT-C
ANNUAL REPORT
TO
CONTRACT OWNERS
DECEMBER 31, 1997
NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY
HOME OFFICE: COLUMBUS, OHIO
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[NATIONWIDE LOGO]
NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY
ONE NATIONWIDE PLAZA, COLUMBUS, OHIO 43215 - 2220
[PHOTO]
PRESIDENT'S MESSAGE
We at Nationwide Life and Annuity Insurance Company are pleased to bring you the
1997 annual report of the Nationwide VA Separate Account-C.
Equity markets ended a volatile season to record the third straight year of
gains topping the 20 percent mark. Additionally, returns on fixed income
investments were buoyed by declining inflation, steady Federal Reserve policy
and the positive outlook for lower budget deficits.
The U.S. economy continues to be strong into 1998. However, there is still much
uncertainty about what effect the Southeast Asian crisis will have on our
economy during this year. The obvious result, we believe, will be a slowing of
economic growth due to reduced exports, restrained pricing flexibility and lower
corporate profits. We expect the Federal Reserve will continue to stay on the
sidelines as the Southeast Asian economic turmoil plays out. At the same time,
low inflation and low interest rates should continue to provide a healthy
environment for financial assets.
We are committed to our customers as our most valuable asset. Our commitment to
you is to continue to add value to our products and services to help you achieve
your financial planning and retirement goals. As always, we welcome and
encourage your feedback.
/s/ Joseph J. Gasper
Joseph J. Gasper, President
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<PAGE> 3
NATIONWIDE VA SEPARATE ACCOUNT-C
STATEMENT OF ASSETS, LIABILITIES AND CONTRACT OWNERS' EQUITY
DECEMBER 31, 1997
<TABLE>
<CAPTION>
<S> <C>
ASSETS:
Investments at market value:
Fidelity VIP - Equity-Income Portfolio (FidVIPEI)
3,566,076 shares (cost $72,188,237) .............................. $ 86,584,335
Fidelity VIP - Overseas Portfolio (FidVIPOv)
786,071 shares (cost $14,146,470) ................................ 15,092,557
Nationwide SAT - Money Market Fund (NSATMyMkt)
8,807,935 shares (cost $8,807,935) ............................... 8,807,935
Nationwide SAT - Total Return Fund (NSATTotRe)
3,205,220 shares (cost $44,633,544) .............................. 52,501,509
One Group - Asset Allocation Fund (OGAstAll)
3,094,482 shares (cost $38,640,124) .............................. 40,816,210
One Group - Government Bond Fund (OGGvtBd)
2,136,061 shares (cost $21,834,056) .............................. 22,385,919
One Group - Growth Opportunities Fund (OGGrOpp)
3,576,169 shares (cost $47,300,553) .............................. 50,817,362
One Group - Large Company Growth Fund (OGLgCoGr)
5,802,479 shares (cost $81,859,034) .............................. 99,860,666
----------
Total investments ............................................. 376,866,493
Accounts receivable .................................................... 4,925
----------
Total assets .................................................. 376,871,418
ACCOUNTS PAYABLE .......................................................... 8,948
----------
CONTRACT OWNERS' EQUITY ................................................... $ 376,862,470
==========
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</TABLE>
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<TABLE>
<CAPTION>
ANNUAL
Contract owners' equity represented by: UNITS UNIT VALUE RETURN
-------- --------- -------
<S> <C> <C> <C> <C>
Fidelity VIP - Equity-Income Portfolio:
Tax qualified ................................ 1,663,574 $ 19.268781 $ 32,055,043 26%
Non-tax qualified ............................ 2,829,983 19.268781 54,530,323 26%
Fidelity VIP - Overseas Portfolio:
Tax qualified ................................ 360,753 12.709885 4,585,129 10%
Non-tax qualified ............................ 826,716 12.709885 10,507,465 10%
Nationwide SAT - Money Market Fund:
Tax qualified ................................ 269,586 11.392164 3,071,168 4%
Non-tax qualified ............................ 502,861 11.392164 5,728,675 4%
Nationwide SAT - Total Return Fund:
Tax qualified ................................ 1,003,531 19.118736 19,186,244 28%
Non-tax qualified ............................ 1,742,657 19.118736 33,317,399 28%
One Group - Asset Allocation Fund:
Tax qualified ................................ 882,338 15.674014 13,829,778 21%
Non-tax qualified ............................ 1,619,845 15.674014 25,389,473 21%
Initial Funding by Depositor (note 1a) ....... 97,500 16.381936 1,597,239 23%
One Group - Government Bond Fund:
Tax qualified ................................ 488,790 12.460216 6,090,429 8%
Non-tax qualified ............................ 785,214 12.460216 9,783,936 8%
Initial Funding by Depositor (note 1a) ....... 500,000 13.023184 6,511,592 10%
One Group - Growth Opportunities Fund:
Tax qualified ................................ 969,427 17.286833 16,758,323 28%
Non-tax qualified ............................ 1,967,681 17.286833 34,014,973 28%
Initial Funding by Depositor (note 1a) ....... 2,500 18.067840 45,170 30%
One Group - Large Company Growth Fund:
Tax qualified ................................ 1,752,117 18.376907 32,198,491 30%
Non-tax qualified ............................ 3,368,336 18.376907 61,899,597 30%
Initial Funding by Depositor (note 1a) ....... 300,000 19.206744 5,762,023 32%
========== ========== -----------
$376,862,470
============
See accompanying notes to financial statements.
- -------------------------------------------------------------------------------------------------------------------------
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</TABLE>
<PAGE> 5
NATIONWIDE VA SEPARATE ACCOUNT-C
STATEMENTS OF OPERATIONS AND CHANGES IN CONTRACT OWNERS' EQUITY
YEARS ENDED DECEMBER 31, 1997 AND 1996
<TABLE>
<CAPTION>
TOTAL FIDVIPEI
------------------------------ ------------------------------
1997 1996 1997 1996
-------------- -------------- -------------- --------------
<S> <C> <C> <C> <C>
INVESTMENT ACTIVITY:
Reinvested dividends ............................. $ 4,265,024 2,249,625 715,785 19,753
Mortality, expense and administration
charges (note 2) ............................... (3,381,832) (1,332,177) (831,713) (328,693)
-------------- -------------- -------------- --------------
Net investment activity ........................ 883,192 917,448 (115,928) (308,940)
-------------- -------------- -------------- --------------
Proceeds from mutual fund shares sold ............ 11,087,093 6,134,856 833,449 480,832
Cost of mutual fund shares sold .................. (10,118,939) (5,900,535) (586,402) (373,323)
-------------- -------------- -------------- --------------
Realized gain (loss) on investments ............ 968,154 234,321 247,047 107,509
Change in unrealized gain (loss) on investments .. 35,424,272 8,440,018 10,419,343 2,840,714
-------------- -------------- -------------- --------------
Net gain (loss) on investments ................. 36,392,426 8,674,339 10,666,390 2,948,223
-------------- -------------- -------------- --------------
Reinvested capital gains ......................... 17,620,814 4,402,311 3,598,807 566,259
-------------- -------------- -------------- --------------
Net increase (decrease) in contract owners'
equity resulting from operations ........... 54,896,432 13,994,098 14,149,269 3,205,542
-------------- -------------- -------------- --------------
EQUITY TRANSACTIONS:
Purchase payments received from
contract owners ................................ 164,145,907 97,359,956 33,139,661 24,203,112
Transfers between funds .......................... - - 1,982,841 1,415,097
Redemptions ...................................... (9,912,134) (3,074,851) (2,166,009) (700,730)
Annuity benefits ................................. - - - -
Annual contract maintenance charge (note 2) ...... - (39,851) - (9,145)
Contingent deferred sales charges (note 2) ....... (345,222) (162,806) (82,994) (39,566)
Adjustments to maintain reserves ................. 2,745 10,270 2,207 1,589
-------------- -------------- -------------- --------------
Net equity transactions ...................... 153,891,296 94,092,718 32,875,706 24,870,357
-------------- -------------- -------------- --------------
Net change in contract owners' equity ............ 208,787,728 108,086,816 47,024,975 28,075,899
Contract owner's equity beginning of period ...... 168,074,742 59,987,926 39,560,391 11,484,492
-------------- -------------- -------------- --------------
Contract owners' equity end of period ............ $ 376,862,470 168,074,742 86,585,366 39,560,391
============== ============== ============== ==============
<CAPTION>
FIDVIPOV NSATMYMKT
------------------------------ -------------------------------
1997 1996 1997 1996
------------- -------------- -------------- --------------
<S> <C> <C> <C> <C>
INVESTMENT ACTIVITY:
Reinvested dividends ............................. 140,536 34,549 410,915 194,298
Mortality, expense and administration
charges (note 2) ............................... (155,335) (66,321) (104,872) (51,406)
------------- -------------- -------------- --------------
Net investment activity ........................ (14,799) (31,772) 306,043 142,892
------------- -------------- -------------- --------------
Proceeds from mutual fund shares sold ............ 296,780 56,135 7,532,542 4,682,527
Cost of mutual fund shares sold .................. (247,708) (52,055) (7,532,542) (4,682,527)
------------- -------------- -------------- --------------
Realized gain (loss) on investments ............ 49,072 4,080 - -
Change in unrealized gain (loss) on investments .. 230,256 572,885 - -
------------- -------------- -------------- --------------
Net gain (loss) on investments ................. 279,328 576,965 - -
------------- -------------- -------------- --------------
Reinvested capital gains ......................... 557,884 38,004 - -
------------- -------------- -------------- --------------
Net increase (decrease) in contract owners'
equity resulting from operations ........... 822,413 583,197 306,043 142,892
------------- -------------- -------------- --------------
EQUITY TRANSACTIONS:
Purchase payments received from
contract owners ................................ 6,345,492 4,290,279 12,257,596 8,086,975
Transfers between funds .......................... 555,514 212,509 (7,836,939) (5,203,304)
Redemptions ...................................... (287,407) (180,584) (1,106,114) (161,261)
Annuity benefits ................................. - - - -
Annual contract maintenance charge (note 2) ...... - (2,811) - (645)
Contingent deferred sales charges (note 2) ....... (11,122) (9,223) (12,456) (5,593)
Adjustments to maintain reserves ................. 210 129 853 489
------------- -------------- -------------- --------------
Net equity transactions ...................... 6,602,687 4,310,299 3,302,940 2,716,661
------------- -------------- -------------- --------------
Net change in contract owners' equity ............ 7,425,100 4,893,496 3,608,983 2,859,553
Contract owner's equity beginning of period ...... 7,667,494 2,773,998 5,190,860 2,331,307
------------- -------------- -------------- --------------
Contract owners' equity end of period ............ 15,092,594 7,667,494 8,799,843 5,190,860
============= ============== ============== ==============
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</TABLE>
<PAGE> 6
NATIONWIDE VA SEPARATE ACCOUNT-C
STATEMENTS OF OPERATIONS AND CHANGES IN CONTRACT OWNERS' EQUITY
YEARS ENDED DECEMBER 31, 1997 AND 1996
<TABLE>
<CAPTION>
NSATTOTRE OGASTALL
------------------------------ ------------------------------
1997 1996 1997 1996
-------------- -------------- -------------- --------------
<S> <C> <C> <C> <C>
INVESTMENT ACTIVITY:
Reinvested dividends ............................. $ 581,993 277,827 851,407 307,550
Mortality, expense and administration
charges (note 2) ............................... (486,093) (169,743) (327,460) (109,456)
-------------- -------------- -------------- --------------
Net investment activity ........................ 95,900 108,084 523,947 198,094
-------------- -------------- -------------- --------------
Proceeds from mutual fund shares sold ............ 1,234,589 346,275 230,267 136,365
Cost of mutual fund shares sold .................. (782,774) (281,951) (180,939) (118,065)
-------------- -------------- -------------- --------------
Realized gain (loss) on investments ............ 451,815 64,324 49,328 18,300
Change in unrealized gain (loss) on investments .. 6,133,091 1,567,068 1,354,415 500,594
-------------- -------------- -------------- --------------
Net gain (loss) on investments ................. 6,584,906 1,631,392 1,403,743 518,894
-------------- -------------- -------------- --------------
Reinvested capital gains ......................... 1,667,393 810,338 2,977,924 338,743
-------------- -------------- -------------- --------------
Net increase (decrease) in contract owners'
equity resulting from operations ........... 8,348,199 2,549,814 4,905,614 1,055,731
-------------- -------------- -------------- --------------
EQUITY TRANSACTIONS:
Purchase payments received from
contract owners ................................ 23,481,911 11,827,035 21,558,362 8,038,469
Transfers between funds .......................... 990,636 1,169,436 739,176 510,173
Redemptions ...................................... (1,737,301) (340,223) (662,596) (293,784)
Annuity benefits ................................. - - - -
Annual contract maintenance charge (note 2) ...... - (4,548) - (2,812)
Contingent deferred sales charges (note 2) ....... (60,534) (18,078) (23,352) (12,802)
Adjustments to maintain reserves ................. 5,636 1,096 7 330
-------------- -------------- -------------- --------------
Net equity transactions ...................... 22,680,348 12,634,718 21,611,597 8,239,574
-------------- -------------- -------------- --------------
Net change in contract owners' equity ............ 31,028,547 15,184,532 26,517,211 9,295,305
Contract owners' equity beginning of period ...... 21,475,096 6,290,564 14,299,279 5,003,974
-------------- -------------- -------------- --------------
Contract owners' equity end of period ............ $ 52,503,643 21,475,096 40,816,490 14,299,279
============== ============== ============== ==============
<CAPTION>
OGGVTBD OGGROPP
------------------------------ ------------------------------
1997 1996 1997 1996
------------- -------------- -------------- --------------
<S> <C> <C> <C> <C>
INVESTMENT ACTIVITY:
Reinvested dividends ............................. 1,067,051 752,586 - 284,265
Mortality, expense and administration
charges (note 2) ............................... (149,083) (86,698) (471,076) (186,274)
------------- -------------- -------------- --------------
Net investment activity ........................ 917,968 665,888 (471,076) 97,991
------------- -------------- -------------- --------------
Proceeds from mutual fund shares sold ............ 475,970 286,338 238,598 65,570
Cost of mutual fund shares sold .................. (475,470) (277,564) (172,586) (51,439)
------------- -------------- -------------- --------------
Realized gain (loss) on investments ............ 500 8,774 66,012 14,131
Change in unrealized gain (loss) on investments .. 586,023 (324,635) 3,478,714 (69,471)
------------- -------------- -------------- --------------
Net gain (loss) on investments ................. 586,523 (315,861) 3,544,726 (55,340)
------------- -------------- -------------- --------------
Reinvested capital gains ......................... 41,992 3,690 4,836,828 1,711,951
------------- -------------- -------------- --------------
Net increase (decrease) in contract owners'
equity resulting from operations ........... 1,546,483 353,717 7,910,478 1,754,602
------------- -------------- -------------- --------------
EQUITY TRANSACTIONS:
Purchase payments received from
contract owners ................................ 6,064,947 5,476,081 20,472,239 13,529,593
Transfers between funds .......................... 493,915 (109,357) 1,411,094 822,315
Redemptions ...................................... (359,045) (156,819) (1,253,599) (487,993)
Annuity benefits ................................. - - - -
Annual contract maintenance charge (note 2) ...... - (1,880) - (6,440)
Contingent deferred sales charges (note 2) ....... (9,910) (7,344) (54,360) (27,512)
Adjustments to maintain reserves ................. 43 266 (3,179) 3,150
------------- -------------- -------------- --------------
Net equity transactions ...................... 6,189,950 5,200,947 20,572,195 13,833,113
------------- -------------- -------------- --------------
Net change in contract owners' equity ............ 7,736,433 5,554,664 28,482,673 15,587,715
Contract owners' equity beginning of period ...... 14,649,524 9,094,860 22,335,793 6,748,078
------------- -------------- -------------- --------------
Contract owners' equity end of period ............ 22,385,957 14,649,524 50,818,466 22,335,793
============= ============== ============== ==============
(Continued)
</TABLE>
7
<PAGE> 7
NATIONWIDE VA SEPARATE ACCOUNT-C
STATEMENTS OF OPERATIONS AND CHANGES IN CONTRACT OWNERS' EQUITY
YEARS ENDED DECEMBER 31, 1997 AND 1996
<TABLE>
<CAPTION>
OGLGCOGR
------------------------------
1997 1996
-------------- --------------
<S> <C> <C>
INVESTMENT ACTIVITY:
Reinvested dividends .................................. $ 497,337 378,797
Mortality, expense and administration
charges (note 2) .................................... (856,200) (333,586)
-------------- --------------
Net investment activity ............................. (358,863) 45,211
-------------- --------------
Proceeds from mutual fund shares sold ................. 244,898 80,814
Cost of mutual fund shares sold ....................... (140,518) (63,611)
-------------- --------------
Realized gain (loss) on investments ................. 104,380 17,203
Change in unrealized gain (loss) on investments ....... 13,222,430 3,352,863
-------------- --------------
Net gain (loss) on investments ...................... 13,326,810 3,370,066
-------------- --------------
Reinvested capital gains .............................. 3,939,986 933,326
-------------- --------------
Net increase (decrease) in contract owners'
equity resulting from operations ................ 16,907,933 4,348,603
-------------- --------------
EQUITY TRANSACTIONS:
Purchase payments received from
contract owners ..................................... 40,825,699 21,908,412
Transfers between funds ............................... 1,663,763 1,183,131
Redemptions ........................................... (2,340,063) (753,457)
Annuity benefits ...................................... - -
Annual contract maintenance charge (note 2) ........... - (11,570)
Contingent deferred sales charges (note 2) ............ (90,494) (42,688)
Adjustments to maintain reserves ...................... (3,032) 3,221
-------------- --------------
Net equity transactions ........................... 40,055,873 22,287,049
-------------- --------------
Net change in contract owners' equity ................. 56,963,806 26,635,652
Contract owners' equity beginning of period ........... 42,896,305 16,260,653
-------------- --------------
Contract owners' equity end of period ................. $ 99,860,111 42,896,305
============== ==============
See accompanying notes to financial statements.
8
</TABLE>
<PAGE> 8
NATIONWIDE VA SEPARATE ACCOUNT-C
NOTES TO FINANCIAL STATEMENTS
DECEMBER 31, 1997 AND 1996
(1) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
(a) Organization and Nature of Operations
Nationwide VA Separate Account-C (the Account) was established pursuant
to a resolution of the Board of Directors of Nationwide Life and
Annuity Insurance Company (the Company) on July 24, 1991. The Account
has been registered as a unit investment trust under the Investment
Company Act of 1940.
On August 17, 1994, the Company (Depositor) transferred to the Account
97,500 shares of the One Group-Asset Allocation Fund, 500,000 shares of
the One Group-Government Bond Fund, 2,500 shares of the One
Group-Growth Opportunities Fund and 300,000 shares of the One
Group-Large Company Growth Fund, for which the Account was credited
with 97,500 units of the One Group-Asset Allocation Fund, 500,000 units
of the One Group-Government Bond Fund, 2,500 units of the One
Group-Growth Opportunities Fund and 300,000 units of the One
Group-Large Company Growth Fund. These amounts represent the initial
funding of the Account. The value of the units purchased by the Company
on August 17, 1994 was $9,000,000.
The Company offers tax qualified and non-tax qualified Individual
Deferred Variable Annuity Contracts through the Account. The primary
distribution for the contracts is through banks and other financial
institutions.
(b) The Contracts
Only contracts without a front-end sales charge, but with a contingent
deferred sales charge and certain other fees, are offered for purchase.
See note 2 for a discussion of contract expenses.
With certain exceptions, contract owners in either the accumulation or
the payout phase may invest in any of the following funds:
Portfolios of the Fidelity Variable Insurance Products Fund
(Fidelity VIP);
Fidelity VIP - Equity-Income Portfolio (FidVIPEI)
Fidelity VIP - Overseas Portfolio (FidVIPOv)
Funds of the Nationwide Separate Account Trust (Nationwide SAT)
(managed for a fee by an affiliated investment advisor);
Nationwide SAT - Money Market Fund (NSATMyMkt)
Nationwide SAT - Total Return Fund (NSATTotRe)
Funds of The One Group(R) Investment Trust (One Group);
One Group - Asset Allocation Fund (OGAstAll)
One Group - Government Bond Fund (OGGvtBd)
One Group - Growth Opportunities Fund (OGGrOpp)
One Group - Large Company Growth Fund (OGLgCoGr)
At December 31, 1997, contract owners have invested in all of the above
funds. The contract owners' equity is affected by the investment
results of each fund, equity transactions by contract owners and
certain contract expenses (see note 2). The accompanying financial
statements include only contract owners' purchase payments pertaining
to the variable portions of their contracts and exclude any purchase
payments for fixed dollar benefits, the latter being included in the
accounts of the Company.
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<PAGE> 9
(c) Security Valuation, Transactions and Related Investment Income
The market value of the underlying mutual funds is based on the closing
net asset value per share at December 31, 1997. The cost of investments
sold is determined on a specific identification basis. Investment
transactions are accounted on the trade date (date the order to buy or
sell is executed) and dividend income is recorded on the ex-dividend
date.
(d) Federal Income Taxes
Operations of the Account form a part of, and are taxed with,
operations of the Company, which is taxed as a life insurance company
under the provisions of the Internal Revenue Code.
The Company does not provide for income taxes within the Account. Taxes
are the responsibility of the contract owner upon termination or
withdrawal.
(e) Use of Estimates in the Preparation of Financial Statements
The preparation of financial statements in conformity with generally
accepted accounting principles may require management to make estimates
and assumptions that affect the reported amounts of assets and
liabilities and disclosure of contingent assets and liabilities, if
any, at the date of the financial statements and the reported amounts
of revenues and expenses during the reporting period. Actual results
could differ from those estimates.
(f) Reclassifications
Certain 1996 amounts have been reclassified to conform with the current
period presentation.
(2) EXPENSES
The Company does not deduct a sales charge from purchase payments received
from the contract owners. However, if any part of the contract value of
such contracts is surrendered, the Company will, with certain exceptions,
deduct from a contract owner's contract value a contingent deferred sales
charge not to exceed 7% of the lesser of purchase payments or the amount
surrendered, such charge declining 1% per year, to 0%, after the purchase
payment has been held in the contract for 84 months. No sales charges are
deducted on redemptions used to purchase units in the fixed investment
options of the Company.
The Company deducts a mortality risk charge, an expense risk charge and an
administration charge assessed through the daily unit value calculation
equal to an annual rate of 0.80%, 0.45% and 0.05%, respectively. Prior to
1997, the Company deducted an annual contract maintenance charge of $30.
This charge is no longer assessed. No charges are deducted from the initial
funding by the Depositor, or from earnings thereon.
(3) RELATED PARTY TRANSACTIONS
The Company performs various services on behalf of the Mutual Fund
Companies in which the Account invests and may receive fees for the
services performed. These services include, among other things, shareholder
communications, preparation, postage, fund transfer agency and various
other record keeping and customer service functions. These fees are paid to
an affiliate of the Company.
10
<PAGE> 10
Independent Auditors' Report
The Board of Directors of Nationwide Life and Annuity Insurance Company and
Contract Owners of Nationwide VA Separate Account-C:
We have audited the accompanying statement of assets, liabilities and
contract owners' equity of Nationwide VA Separate Account-C as of December 31,
1997, and the related statements of operations and changes in contract owners'
equity for each of the years in the two year period then ended. These financial
statements are the responsibility of the Company's management. Our
responsibility is to express an opinion on these financial statements based on
our audits.
We conducted our audits in accordance with generally accepted auditing
standards. Those standards require that we plan and perform the audit to obtain
reasonable assurance about whether the financial statements are free of material
misstatement. An audit includes examining, on a test basis, evidence supporting
the amounts and disclosures in the financial statements. Our procedures included
confirmation of securities owned as of December 31, 1997, by correspondence with
the transfer agents of the underlying mutual funds. An audit also includes
assessing the accounting principles used and significant estimates made by
management, as well as evaluating the overall financial statement presentation.
We believe that our audits provide a reasonable basis for our opinion.
In our opinion, the financial statements referred to above present fairly,
in all material respects, the financial position of Nationwide VA Separate
Account-C as of December 31, 1997, and the results of its operations and its
changes in contract owners' equity for each of the years in the two year period
then ended in conformity with generally accepted accounting principles.
KPMG Peat Marwick LLP
Columbus, Ohio
February 6, 1998
11
<PAGE> 11
NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY Bulk Rate
HOME OFFICE: ONE NATIONWIDE PLAZA * COLUMBUS, U.S. Postage
OHIO 43215-2220 PAID
Columbus, Ohio
Permit No. 521
Nationwide(R) is a registered federal service mark
of Nationwide Mutual Insurance Company.
