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On Your SideSM

Protecting Your Interests.

Financial HighlightsAs of and for the year ended December 31

Nationwide is one of the largest insurance and fi nancial services companies in the world and consists of three core businesses: domestic property and casualty insurance, life insurance and retirement savings, and asset management.

The Nationwide family includes:

Property and CasualtyNationwide Insurance Allied Insurance Farmland InsuranceTHI Holdings, Inc.Scottsdale InsuranceNationwide Indemnity

Life Insurance and Retirement SavingsNationwide FinancialNationwide Retirement SolutionsThe 401(k) CompanyTBG Financial

Asset Management Gartmore Group

Strategic Investments GatesMcDonaldNationwide Advantage MortgageNationwide Health PlansNationwide Global HoldingsStrategic Investment Fund

On the cover:Nationwide recruiting specialist Cyndy Williams

supports her community as a loaned executive

to United Way, where she helps companies

organize and manage their United Way

campaigns. Please see pages 10-11 for more

information on Nationwide’s loaned executives.

Consolidated Results (GAAP-Based)(unaudited)

2003 2002

Highlights ($ YTD in millions) Actual Actual

Operating Revenue1 16,803 14,812 Net Income 653 241 Equity 10,834 9,710 Total Assets 147,934 128,550

Key Indicators

Operating Revenue Growth1 13.4% 6.0%Return on Equity 6.4% 2.5%

1 Operating revenue and corresponding growth calculated on the respective prior year’s

operating revenue net of interest expense.

Segment Results – Key Indicators ($ in millions except per share data)

2003 2002Property & Casualty (unaudited)Operating Revenue 13,358.0 11,825.3 Trade Combined Ratio (Statutory)(ongoing operations) 97.9% 97.1%

Net Income 634.5 527.7

Nationwide FinancialTotal Revenues 3,935.4 3,287.8Net Income 397.8 144.2 Net Income per Diluted Common Share $2.61 $1.09Total Assets 111,027.3 95,560.3

Gartmore (unaudited)Operating Revenue 483.1 431.2 Earnings Before Income Taxes, Depreciation, and Amortization 52.0 59.1

Assets Under Management 83,866.0 72,169.0

Strategic Investments (unaudited)Operating Revenue 557.6 585.1 Net Loss (23.2) (29 .8)

Financial Strength

Nationwide Mutual Insurance Company and Nationwide Mutual Fire Insurance Company are rated “A+” (Strong) with stable outlook by Standard and Poor’s Rating Service, a division of The McGraw-Hill Companies, Inc. (“S&P”), “Aa3” (Excellent) with stable outlook by Moody’s Investor Service, Inc. (“Moody’s”), and “A+” (Superior) with stable outlook by A.M. Best.

Nationwide Life Insurance Company (NLIC) (and its insurance subsidiary) and Nationwide Life Insurance Company of America (NLICA) (and its insurance subsidiary) are rated “A+” (Superior) with negative outlook and “A” (Excellent) with stable outlook, respectively, by A.M. Best, and both NLIC and NLICA’s claims paying ability/fi nancial strength are rated “Aa3” (Excellent) by Moody’s and “AA-” (Very Strong) with stable outlook by S&P. The commercial paper issued by NLIC is rated “AMB-1” by A.M. Best, “P-1” by Moody’s and “A-1+” by S&P.

Message from the Chief Executive Offi cer Mes

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Our On Your Side SM promise is more than a successful 37-year-old slogan. It’s a broad-based promise of service to our customers and partners, and our associates deliver on this promise every day.

Successful brands favorably infl uence purchasing behavior and decision-making. Consumers prefer to interact with companies that have strong brands and respected reputations. When a company fails to meet expectations, the brand suffers. So, it’s important to build consistency around delivery of the brand promise.

Our dedication to service began in 1926, when we saw a better way to offer auto insurance to rural consumers who were seeking lower rates than their urban counterparts. Throughout our history, we have built our brand by going the extra mile for our customers. This attitude drives everything we do and is the true meaning of our On Your Side slogan.

We believe our founders would be proud of their company today. Our commitment to the customers who depend on us has only strengthened with time, and our support of the communities in which we live and work has never wavered.

Nationwide today is a strong, growing enterprise, with nearly $17 billion in revenue and 33,000 associates. With a disciplined approach to fi nancial management and a strategic focus on deepening our customer relationships across all our businesses, we will fulfi ll our brand promise and position ourselves to serve the protection and fi nancial-security needs of our customers.

Staying strong, keeping promises

We are better able to keep our promises to customers because of our strong fi nancial position. Nationwide achieved excellent results in 2003. Net income from our property and casualty units totaled $635 million, an increase of $107 million from 2002. At Nationwide Financial, our life insurance and retirement-savings franchise, we posted net income of $398 million, up from $144 million the previous year.

Our consolidated ongoing property and casualty operations recorded a trade combined ratio – the amount of loss and expense paid for each dollar earned – of 97.9 in 2003. Nationwide Financial earned $2.61 of net income per diluted common share in 2003 compared to $1.09 in 2002.

With strong contributions from all its businesses, Nationwide earned $653 million in net income in 2003, a signifi cant increase from the $241 million we reported in 2002.

These are excellent results, to be sure. But the real benefi t of our performance comes from the peace of mind it helps us provide for the more than 18 million customers who rely on us to be there when they need us most.

Serving customers in times of need

Hurricane Isabel made it a tough year for many of our policyholders in the Mid-Atlantic region of the United States. However, thanks to the thousands of claims professionals and agents across the country – plus hundreds of additional associate volunteers from Nationwide – we were able to respond quickly and help our policyholders begin recovering.

On the day after Isabel’s landfall, our claims centers were inundated with more than 41,000 customer calls, about seven times more than the volume on a typical Friday. We are pleased to report that on the busiest day after the hurricane swept through, our customers waited only about three minutes to report their claims. Many of our competitors had wait times of up to four hours, and some were not able to help their customers until the following week.

We performed equally well for our customers who suffered the effects of the November wildfi res in southern California, where our Allied Insurance unit insures many homes. We were on the scene quickly to reassure policyholders and to give them the resources and information they needed to manage their way through that crisis.

The assistance we provided reinforced the benefi ts of bringing our businesses together for a common purpose. Associates from Nationwide Insurance and Farmland Insurance joined their colleagues from Allied to settle claims and address customer concerns.

Responding in a time of great need is what Nationwide is all about. The true value of our work comes through when we are able to help our customers replace a roof torn off by hurricane winds or rebuild an entire home lost to fi re. Our On Your Side promise is never more tested than during natural disasters, and we’re extremely proud of the way we help our customers during these moments of truth.

Throughout our history, we have built our brand by going the extra mile for our customers. This attitude drives everything we do and is the true meaning of our On Your Side slogan.

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Celebrating milestones

Nationwide achieved some signifi cant milestones in 2003. In our fi nancial services business, we issued our one-millionth annuity contract and gained our one-millionth life insurance customer. We’re pleased to celebrate these numbers, but we’re more pleased with the statement they make about us. We’ve reached these milestones because we have demonstrated our commitment to serving the best interests of our customers over a long period of time.

We’re also pleased to have independent recognition of our dedication to serving customers. In 2003, Nationwide Insurance leaped nine positions to rank fi fth in customer satisfaction, according to the J.D. Power and Associates National Auto Insurance Study.

The Profi t Sharing Council, which advocates for retirement security through 401(k) and related defi ned contribution programs, presented its Signature Awards to Nationwide Financial and the 401(k) Company, a subsidiary. The companies were honored for excellence in retirement plan communication and investment education.

Exploring new ways to serve customers

We are focused on serving the total needs of our customers, and in the past year we took some important steps to ensure we are managing our resources in ways to help us meet customer expectations while operating as effi ciently as possible.

Under our shared business model, we identify ways to leverage our investment in information technology across our companies. And while increased effi ciency is a primary goal, it is only one part of the equation. The other is to build revenue by pursuing cross-selling opportunities among our various businesses, which are developing common approaches to marketing and customer management, with the goal of deepening our customer relationships and increasing profi tability.

The alignment of our property and casualty operations under common leadership is one example of how working as one team benefi ts customers and the Nationwide organization. All business segments in the property and casualty organization will implement their own strategies to address their markets and grow profi tability, and they will share resources for marketing, claims support, strategic planning and pricing. The new organization allows us to be more nimble in our decision-making and to collaborate in meeting the sales and service expectations of our customers.

Our focus on collaboration among our business units not only helps us serve customers better, but it also helps build relationships so we can make our products available in new ways.

During 2003, we accelerated the integration of our Nationwide Provident sales, service and information technology functions with those of Nationwide Financial, giving our new career life agents the tools to increase sales and to provide better service to our customers while gaining operational effi ciency.

Our continuing effort to deepen relationships with certifi ed public accountants (CPAs), in whom small-business owners place a great deal of trust, is another example of how we are expanding distribution. With CPAs, we are building a strong foundation for the distribution of qualifi ed retirement plans, life insurance, annuities and other fi nancial services. With the endorsement of the American Institute of Certifi ed Public Accountants and a growing number of CPA fi rms and partners, this sales channel holds great promise for 2004 and beyond.

Sales of property and casualty insurance through banks is another promising revenue opportunity. Nationwide Financial has successful relationships with more than 350 banks and is working with Nationwide’s property and casualty companies to market products through this channel.

Our property and casualty business also is pursuing joint sales opportunities with our career life agents, with a goal of developing more agencies that can provide more comprehensive insurance and fi nancial service offerings to customers.

Entering new markets is especially important to us, and we are serving a greater number of Hispanic consumers. With a goal of easier access to home ownership, Nationwide Advantage MortgageSM Company has teamed with the National Hispanic Corporate Council (NHCC) to provide mortgage services for NHCC member corporations and employees. Nationwide Advantage Mortgage, in partnership with Yahoo en Español, launched “The Best Mortgage” center, an online tool to provide Spanish-speaking consumers with the information, tools and resources they need to make informed decisions about home buying and fi nancing.

Our focus on collaboration among our business units not only helps us serve customers better, but it also helps build relationships so we can make our products available in new ways.

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Investing for the future

In the competitive fi nancial services marketplace, making the right choices for the future differentiates one company from the next. We are investing in programs that demonstrate our On Your Side philosophy.

Solidifying our commitment to fi nancial education, we have joined the U.S. Small Business Administration to provide small-business owners the education they need to understand their responsibilities in offering retirement plans so their employees can better prepare for their fi nancial futures.

Education is a centerpiece of our public-sector retirement plan business as well. In 2003, we launched the Nationwide Retirement Education Institute, a Nationwide-sponsored organization with an independent board of advisors that brings together industry experts to analyze and discuss solutions to improve the retirement readiness of America’s public-sector employees.

Our education focus also extends to America’s teens. Through the years of our effective and honored Prom Promise program, we have educated millions of teens on the need to make the right choices when it comes to drinking and driving.

Giving back to communities

We are proud that our values that guide us in business also strengthen our foundation of service to our communities. Following a tradition of more than 75 years, we give back to our communities every day through contributions of time, knowledge and fi nancial support.

Although we are headquartered in Columbus, Ohio, our giving reaches hundreds of communities in which we have a presence. From our service center in Gainesville, Fla., to Gartmore Investment Management in London, our community involvement truly spans the globe.

Nationwide contributes about $17 million annually to charity through corporate gifts and through the company’s philanthropic arm, the Nationwide Foundation. In addition, our more than $350 million in community investments provide fi nancial support for the economic revitalization of low- and moderate-income urban neighborhoods, helping develop affordable housing for families.

Our long-standing tradition of community service is enhanced by the personal time our associates, agents and retirees volunteer. Our activities vary from participation on hundreds of nonprofi t boards to walk-a-thons, telethons and blood donations.

Looking ahead, building awareness

The fi nancial services market is very different from what it was even fi ve years ago, as large and small companies continue to aggressively target consumers.

The Nationwide brand, as embodied by our On Your Side slogan, is an advantage for us. As we look ahead, we must keep revitalizing our brand so we continue to stand out in the minds of consumers.

To this end, we are building the Nationwide brand through operational improvements to enhance our customers’ experience with us. And through more extensive advertising and other communication, we are generating greater awareness of Nationwide and the ways we can help consumers manage the complex insurance and fi nancial service issues of the day.

We also are in the second year of our sponsorship of the Nationwide Tour, which gives us exposure to a valuable segment of consumers and provides great opportunities for business development.

Our On Your Side promise guides every contact customers have with our company. It springs from our history of innovation and it refl ects our commitment to providing the best solutions, service, tools and information to everyone our company has the great fortune to serve.

We are committed to ensuring that every interaction anyone has with us is a positive, meaningful experience that fulfi lls our Nationwide brand promise.

W. G. JurgensenChief Executive Offi cer

Our long-standing tradition of community service is enhanced by the personal time our associates, agents and retirees volunteer. Our activities vary from participation on hundreds of nonprofi t boards to walk-a-thons, telethons and blood donations.

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Jack and Lela Housel of Baldwinsville, N.Y., are pleased with the way Nationwide helped them plan for their retirement.

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Jack Housel spends a lot of time mowing lawns, planting fl owers and doing general maintenance around the house. It may sound like work, but really it’s just the opposite. Jack retired in 1994, and he’s doing exactly what he likes.

After owning a home-building business and a plumbing and heating company for about 40 years, Jack sold his business to one of his sons. Knowing he needed funds for living expenses until he was eligible for Social Security, he worked with Will Desain, a Nationwide agent, and purchased an annuity.

Jack is using the annuity as part of his long-range fi nancial planning, and he is now working with agent Tom Desain, Will’s son.

“I’ve got to look to someone whom I respect and feel comfortable with, and of course Nationwide is the answer,” Jack says. “I’ve done business with Nationwide since I was old enough to buy insurance. Nationwide is on my side. They always have been.”

Jack says he regularly refers his friends to Nationwide for fi nancial advice – the ultimate customer compliment.

Nationwide also serves customers through an extensive network of independent fi nancial planners, who help their clients develop fi nancial plans and recommend investment products.

Broker J.P. Conner of Investors Capital Corporation works with Nationwide’s Preferred Plan Administrators to offer 401(k) and other retirement plans to small-business customers. J.P. appreciates our On Your Side service and attention to detail and believes Nationwide helps differentiate him in the market he serves.

With Nationwide’s support and referrals from retirement plan sponsors, his productivity increases because he has to spend less time prospecting for clients.

“Nationwide has a screening process to assure the highest quality of plan administrators in their system,” J.P. says. “I’ve been delighted with the ones I’ve worked with.”

We are committed to helping consumers save for retirement, and we realize our customers prefer to purchase our retirement-savings products in different ways. That’s why we are always looking for new methods to reach customers.

To complement our traditional wholesale distribution through independent fi nancial planners, regional and national brokerages and fi nancial institutions, we also own a network of career life insurance agents who deal directly with clients in the same fashion as our exclusive property and casualty agents.

Our investment and life insurance products such as variable and fi xed annuities, variable and fi xed life insurance, plus term and whole life options, give customers the choices they need to best manage their fi nances for the future. We go the extra mile by making state-of-the-art fi nancial modeling tools available so customers have the best information as they make their important fi nancial decisions.

Managing assets globally

Gartmore Group, Nationwide’s global asset-management arm, serves customers by offering mutual funds, separate accounts and specialty products. Gartmore manages more than $83 billion in equity, fi xed-income and alternative investment assets to serve a variety of customer needs.

Our investment and life insurance products such as variable and fi xed annuities, variable and fi xed life insurance, plus term and whole life options, give customers the choices they need to best manage their fi nances for the future.

Life Insurance and Retirement Savings

Nationwide helps customers and institutional clients by providing annuity, life insurance and retirement plan offerings through a diversifi ed network of affi liated and non-affi liated distribution channels.

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Gartmore Group’s clients include individual consumers as well as institutions such as corporate and public pension plans, foundations, endowments, mutual fund companies and insurance companies. Philadelphia-based Gartmore Global Investments, Inc. leads the U.S. component of Gartmore Group, while Gartmore Investment Management plc is Gartmore’s London-based fl agship international component.

A guiding principle of Gartmore Group is to develop and deliver a wide range of top-performance investment-management solutions to investors on a global basis. We serve the interests of our asset-management customers by developing and acquiring investment capabilities while focusing on securing value-added performance from new and existing products.

Gartmore ensures On Your Side service by attracting and retaining top-tier portfolio managers. In 2003, Gartmore hired four seasoned specialists in both the value and growth styles of the small- and mid-cap equities class to expand this important product line.

For investors seeking protection during an uncertain market, the Gartmore Morley Capital Accumulation fund offered a capital-preservation vehicle, and customers responded by increasing the fund’s assets to nearly $700 million by year-end.

At Gartmore, our investment philosophy has been honed on a worldwide scale for more than 30 years. With expert talent, advanced research and a global trading platform, we are positioned to provide our customers with the best service on every transaction.

Delivering mortgage approvals quickly

In addition to helping people manage their fi nances for retirement, we are building our mortgage business to provide a natural complement to our insurance, retirement-savings and asset-management businesses. Nationwide Advantage Mortgage offers its products with the same high level of service, convenience and quality that Nationwide customers have come to expect.

With a focus on speed, simplicity and savings, we offer a unique 10-minute mortgage approval process. With state-of-the-art technology, we can offer low mortgage rates with signifi cantly reduced fees compared to our industry competitors.

Marcie Lynn Murphy is one customer who appreciates the convenience from Nationwide Advantage Mortgage. When the Las Vegas homeowner wanted to refi nance her mortgage, she wasn’t quite sure where to turn. Marcie’s husband passed away about four years ago, and she was seeking assistance with a process that often can seem intimidating.

Marcie worked with mortgage representative Jim Kroeger, who handled all the details over the phone. Marcie completed the application in less than 10 minutes, had the paperwork sent to her via overnight delivery, and she was able to close the loan in her home rather traveling to another location.

“Jim understood I was a novice and hadn’t done this on my own before,” Marcie says. “He was very compassionate in helping me and made sure I understood everything.”

Not only did Marcie appreciate the quick, effi cient service, but she also enjoyed the $250 check she received after closing her loan.

Nationwide’s On Your Side promise stands the test of time. We fulfi ll it by offering the retirement and investment products and services customers need to manage their fi nances, and our fi nancial strength ensures we will be able to back up our promise in the long term. That’s what our customers expect, and that’s what we deliver.

With expert talent, advanced research and a global trading platform, we are positioned to provide our customers with the best service on every transaction.

Asset Management

Gartmore Group is a global asset-management fi rm for individual and institutional clients, including corporate and public pension plans, foundations and endowments, mutual fund companies and insurance companies.

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Marcie Lynn Murphy of Las Vegas appreciates the quick, simple mortgage loan process from Nationwide Advantage Mortgage. She completed her refi nance loan application in less than 10 minutes.

Equestrian enthusiast Terry Macky, second from right, received insurance checks from Nationwide within hours of losing her home to the California wildfi res. Family members, from left, are Brian, Conner, Caitlin and Cameron.

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Terry Macky experienced On Your Side service fi rsthand when she lost her home to November’s wildfi res in the San Diego area. With the blaze approaching in the middle of the night, Terry only had time to awaken her three children and evacuate. Everyone got out safely, but the entire house and its contents, including some cherished pets, were lost.

In shock, Terry called Eli Mora, her claims adjuster from Allied Insurance, a Nationwide company. Within 12 hours, Terry and her family received three checks – one to start rebuilding the house, one for the contents, and one for emergency needs.

When Terry switched to Allied, many of her friends decided to remain with their providers. They were surprised by Eli’s quick response, but Terry wasn’t.

“Calling Eli is like calling a relative,” she says. “He is always watching out for us.”

Looking out for the best interests of our customers is a long-standing Nationwide tradition. Our customers who insure their autos, homes and businesses with us can count on our best service all the time.

PAJCO, a Missouri-based petroleum and convenience store business, has been with Farmland Insurance, a Nationwide agribusiness insurer, for 10 years. As PAJCO has grown, it has expanded its relationship with Farmland, whose stellar claims service is very much appreciated by Jim Maurer, PAJCO’s president.

“One time a tornado came through Jackson, where one of our stores is located,” Jim says. “The next morning, our claims adjuster called me and said, ‘I saw you had tornadoes down there, and I called to see if you had any damage.’ I appreciate that. That says a lot.”

By anticipating the needs of customers and meeting them creatively, Nationwide sets itself apart from its competitors. Our foresight helped us come to the aid of Diane Whitesel, a Nationwide customer in Richmond, Va.

When Hurricane Isabel struck the Mid-Atlantic region of the United States in September, an 80-foot oak tree fell onto Diane’s roof, exposing the attic and the bedroom of her 10-year-old daughter. Desperate for help before the next rainstorm, Diane was unsure where to turn.

“Then Nationwide was there,” she says. “Nationwide was on my side and on my roof.”

Nationwide rented a crane from outside the area and brought it to Richmond to serve Diane and other policyholders.

“I was the fi rst customer in our area to receive this service,” she adds. “In lifting the tree off my house, you also lifted the weight of the disaster off my shoulders.”

With repairs well under way, Diane and her family were able to move back in and enjoy Thanksgiving and Christmas at home.

Our On Your Side service helps our own customers, but it also is appreciated by those who have other insurance providers. When Texas policyholder Eric Dunn had a minor auto accident, his license plate became caught underneath the other vehicle. When Eric went to retrieve it from the other driver, who naturally had fi led a claim with Nationwide, the motorist told him how impressed he was by Nationwide and its friendly and effi cient people. For Eric, the compliment solidifi ed his view that he is with a great company.

Nationwide was founded with the belief that doing the right things for customers will lead to success. We reinforce this belief in everything we do, whether it’s handling claims effi ciently, making our products and services available in new ways, or simply doing the little things that help customers feel like someone is in their corner.

Property and Casualty

Nationwide offers customers insurance for autos, homes, small commercial operations, and farms and agribusinesses through a variety of exclusive and independent distribution channels.

Looking out for the best interests of our customers is a long-standing Nationwide tradition. Our customers who insure their autos, homes and businesses with us can count on our best service all the time.

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Ron Hickson, manager of Nationwide’s Cincinnati Urban Sales Center, works with the African-American Firefi ghters Association to provide safety equipment and education to the community. Ron is involved in several Cincinnati-area community organizations.

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With contributions from the Nationwide Foundation and through direct giving, Nationwide helps a variety of organizations serve community needs for education and safety.

Community Involvement

Financial contributions, sponsorships, memberships and volunteer hours represent the largest portion of Nationwide’s’ community involvement. We also have programs to help our associates become involved in community development and civic action.

Ron Hickson delivers On Your Side service to his customers and to his community. Ron, manager of our Cincinnati Urban Sales Center, embodies Nationwide’s dedication to safety and community service.

The sales center is very involved with Youth Injury Prevention, an education-focused program that has increased the proper use of seat belts among adult drivers and the proper use of child-safety seats in the African-American community.

Ron also personally refl ects Nationwide’s long-standing commitment to fi nding affordable housing solutions for urban residents. He is a board co-chair of the Better Housing League, which helps Cincinnati-area residents acquire and retain safe, affordable housing. The group provides pre-purchase counseling and education and offers classes and tips to help new homeowners maintain their residences and manage their fi nances after they move in. Ron and his team members lead many of these classes.

“It’s a good feeling when people recognize Nationwide in the community,” Ron says. “With the support of Nationwide, we’ve been able to support a number of major programs that benefi t the community. Being a part of this company is a unique opportunity to help others.”

Ron’s spirit of service is shared by his Nationwide colleagues, who each year donate more than 50,000 hours to charities and community groups. We support our associate volunteers with the Nationwide FAN Club, through which we make $100 grants to the organizations where our associates volunteer at least 25 hours per year.

Donations of time are equally as important as monetary contributions, and through the years Nationwide has provided more than 60 loaned executives to United Way. The executives serve full-time, three-month assignments and assist United Way staff members with fund-raising campaign strategies, events and education.

Through the loaned-executive program, Nationwide serves the community by providing leadership to an important cause, and we benefi t from the experiences the loaned executives bring back to the workplace.

The United Way also represents our largest annual gift. Our associates, agents and retirees donate about $6 million annually, which is matched equally by the Nationwide Foundation. The total annual pledge of about $13 million reaches more than 800 local United Ways across the country in communities where Nationwiders live and work.

With contributions from the Nationwide Foundation and through direct giving, Nationwide helps a variety of organizations serve community needs for education and safety. Our backing assists groups like the National Safety Council, the Federal Alliance for Safe Homes, the Council of Better Business Bureaus, the Hispanic Scholarship Fund, Habitat for Humanity, the United Negro College Fund, the American Red Cross, and the NAACP.

We also sponsor the National Sobriety Checkpoint Week, a Mothers Against Drunk Driving program designed to reduce deaths and injuries from alcohol-related crashes.

The Nationwide Prom Promise program is another way we provide education about the consequences of drinking and driving. In 2003, 675,000 students in 32 states signed the Prom Promise pledge. Since the program’s inception in 1990, no participating teen has been involved in a vehicular fatality while under the infl uence of alcohol or drugs.

We are building on our tradition of giving by fi nding new ways to help communities. We began our sponsorship of golf’s Nationwide Tour in 2003, and the tour and its tournaments raised more than $30 million for local charities.

We also are pleased to sponsor The First Tee program, which affords Nationwide a unique opportunity to engage local communities in teaching young people not only the physical skills in the game of golf, but also life skills for the present and future.

By delivering On Your Side service to our customers, we will remain fi nancially strong and ensure our ability to serve the communities that are such an important part of our lives.

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Nationwide Board of Directors

Lewis J. AlphinJames B. BachmannA. I. BellTimothy J. CorcoranYvonne M. CurlKenneth D. Davis

Nationwide Offi ce of the CEO

L to R: First Row:

Robert A. RosholtExecutive Vice PresidentChief Finance and Investment Offi cerNationwide

Mark R. ThresherPresident and Chief Operating Offi cer-ElectChief Financial Offi cerNationwide Financial

W. G. JurgensenChief Executive Offi cer Nationwide

Donna A. JamesPresidentStrategic InvestmentsNationwide

Terri L. HillExecutive Vice President Chief Administrative Offi cerNationwide

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Keith W. EckelWillard J. EngelFred C. FinneyW. G. JurgensenLydia M. MarshallDavid O. Miller

Ralph M. PaigeJames F. PattersonArden L. ShislerRobert L. Stewart

Second Row:

Patricia R. HatlerExecutive Vice PresidentGeneral Counsel and SecretaryNationwide

Paul J. HondrosPresident and Chief Executive Offi cerGartmore

Kathleen D. RicordExecutive Vice PresidentChief Marketing Offi cerNationwide

Joseph J. GasperPresident and Chief Operating Offi cer Nationwide Financial

R. Max Williamson President and Chief Operating Offi cerScottsdale Insurance

Stephen S. RasmussenPresident and Chief Operating Offi cerProperty and Casualty Insurance Nationwide

Michael C. KellerExecutive Vice President Chief Information Offi cerNationwide

International HeadquartersOne Nationwide PlazaColumbus, Ohio 43215-2220

An equal opportunity and affi rmative action employer

www.nationwide.com G-9

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