WE WILL SUCCEED WHEN WE ARE CITED CONSISTENTLY AS THE PERFORMANCE BENCHMARK BY WHICH OTHERS IN OUR INDUSTRY ARE MEASURED.

It would be wrong to conclude this letter without mentioning the tragic events of September 11.

We were truly fortunate that no Nationwide associates lost their lives in these tragedies, yet many of us were personally impacted through the loss of a relative, friend or business associate. Our Company grieved with the rest of the nation, then answered the President’s call to get back to work. We are proud of the fact that our associates rose to the challenge of dealing with the uncertainty caused by the 4-day interruption of trading on the New York Stock Exchange. They worked around the clock for 7 consecutive days to ensure that customer transactions were processed quickly and accurately in the wild aftermath of activity that

ensued when the market reopened. Ongoing examples of dedication like this throughout our Company remind us that our associates remain our number one partner and asset.

Finally, we also are proud to be part of a financial services industry whose integrity was tested by the past year’s events and which, like our nation, emerged even stronger and better prepared for the future.


W.G. Jurgensen
Chief Executive Officer


Joseph J. Gasper
President and Chief Operating Officer