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SUPPLEMENT DATED OCTOBER 23, 1995 TO
PROSPECTUS DATED SEPTEMBER 1, 1995 FOR
INDIVIDUAL DEFERRED VARIABLE ANNUITY CONTRACTS
ISSUED BY
NATIONWIDE LIFE INSURANCE COMPANY
THROUGH ITS
NATIONWIDE FIDELITY ADVISOR VARIABLE ACCOUNT
This Supplement updates certain information contained in your Prospectus.
Please read it and keep it with your Prospectus for future reference.
THE "CONTINGENT DEFERRED SALES CHARGE" SECTION OF THE PROSPECTUS IS HEREBY
AMENDED BY ADDING THE FOLLOWING:
When a Contract is held by a Charitable Remainder Trust, the amount which may
be withdrawn from this Contract without application of a Contingent Deferred
Sales Charge, shall be the larger of (a) or (b), where (a) is:
The amount which would otherwise be available for withdrawal without
application of a Contingent Deferred Sales Charge;
and where (b) is:
The difference between the total Purchase Payments made to the
Contract as of the date of the withdrawal (reduced by previous
withdrawals of such Purchase Payments), and the Contract Value at the
close of the day prior to the date of the withdrawal.
