wealth, manage it effectively in retirement, and transfer it efficiently to their heirs. To do this, we rely on our many partners — more than 50,000 advisors of all varieties. They include career financial consultants, investment professionals, pension plan administrators and independent financial planners. Together, they provide the personal links that connect our product solutions to their clients.

What is the key to our success? It begins with a thorough understanding that advisors are not all alike. They may work for themselves, a broker/dealer, bank or wirehouse partner. Or, they may represent Nationwide Financial directly with our public sector customers. Because they are our lifeblood, we listen to them intently and demonstrate that Nationwide is on their side by delivering what they and their clients need to succeed. We offer one of the industry’s most

successful and diverse sets of financial product solutions, including variable and fixed annuities, variable and fixed life insurance, corporate-owned life insurance, 401(k) plans for private sector businesses, deferred compensation plans and education services for public sector entities, and an array of top mutual funds. This business portfolio provides a diversified income stream for many of our partners and ourselves.

Our partners tell us they appreciate the value we bring in our role as solutions provider. They appreciate help in identifying new ways to meet the financial needs of the individual and group customers they serve. By zeroing in on specific types of needs, we create customer solutions that help our customers and partners profit. These “solution sets” address wealth accumulation and protection issues faced by unique consumer