R2009-37 ADOPTING POST EMPLOYEMENT HEALTH PLAN

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THE COMPANY Nationwide Life Insurance Company ("Nationwide") is a stock life insurance company organized under the laws of the State of Ohio in March 1929. Nationwide is a member of Nationwide group of companies with its Home Office at One Nationwide Plaza, Columbus, Ohio 43215. Nationwide offers a complete line of insurance products, including annuities, accident, life, and health insurance. It is admitted to do business in all states, the District of Columbia and Puerto Rico. THE CONTRACT The Nationwide Post Employment Health Plans Group Variable Annuity Contract (the "Contract") is a group variable annuity product exclusively designed for use in connection with funding post employment health plans, such as the Post Employment Health Plan for Public Employees. The Contract was filed with and approved for use by both the Ohio and Illinois insurance departments. Deposits to the Contract are allocated to the GPVA. The GPVA was established pursuant to the provisions of Ohio law. Under Ohio law, the GPVA assets generally are not chargeable with'liabilities arising out of any other business Nationwide may conduct. Nationwide does not guarantee the investment performance of the GPVA. Obligations under the Contract, however, are obligations of Nationwide. Income gains and losses, whether or not realized, from the assets of the GPVA are, in accordance with the Contract, credited to or charged against the GPVA without regard to other income, gains, or losses of Nationwide. Valuation of Assets Deposits are allocated to the applicable suffix account within the GPVA among one or more Series (sub-accounts) made up of shares in Funds designated in the Contract by the Owner. Each Series reflects the investment results of a different underlying Fund. (See Appendix of Participating Funds.) Shares of the Funds are purchased at net asset value (daily bid price exclusive of any sales charges) for the respective Series and converted into units. A Fund's net asset value per share is determined by dividing the value of the total assets of the Fund, less liabilities, by the number of shares outstanding, with no charge for sales expense. CHARGES AND OTHER DEDUCTIONS Actuarial Risk Fee - The Actuarial Risk Fee is equal to 0.50°Io of average account value per annum and is deducted daily. Expense Charges- For services rendered at the request of the Owner, Nationwide shall withdraw from a Fund amounts sufficient to reimburse it for expenses. Such amounts shall be determined by Nationwide in a manner consistent with its general practices for contracts of this class for services it renders with respect to the Plan or Contract. 4