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ITEM 1 BUSINESS Overview Nationwide Life Insurance Company (NLIC, or collectively with its subsidiaries, the Company) was incorporated in 1929 and is an Ohio stock legal reserve life insurance company. The Company is a member of theNationwide group of companies (Nationwide), which is comprised of Nationwide Mutual Insurance Company (NMIC) and all of its subsidiaries and affiliates. All of the outstanding shares of NLIC’s common stock are owned by Nationwide Financial Services, Inc. (NFS...