Insurance

                             PARTICIPATION AGREEMENT

                                      AMONG

                        VANGUARD VARIABLE INSURANCE FUND

                                       AND

                            THE VANGUARD GROUP, INC.

                                       AND

                         VANGUARD MARKETING CORPORATION

                                       AND

                  NATIONWIDE LIFE INSURANCE COMPANY OF AMERICA

                                       AND

                 NATIONWIDE LIFE AND ANNUITY COMPANY OF AMERICA

       . . .

                          FUND PARTICIPATION AGREEMENT

This Agreement dated as of the _____ day of __________, 2003 is made by and
among Nationwide Financial Services, Inc. on behalf of its subsidiary life
insurance companies listed on Exhibit A (collectively "Nationwide") and the
Nationwide separate accounts ("Variable Accounts") listed on Exhibit A and
_________________ ("Adviser"), _______________ ("Distributor") (collectively
"the Company") which serves as adviser and distributor to the mutual funds (the
"Funds") listed on Exhibit B.

                                 . . .

                          FUND PARTICIPATION AGREEMENT

     THIS AGREEMENT is entered into as of this ____ day of August, 2006 among
each of FIRST SUNAMERICA LIFE INSURANCE COMPANY a corporation organized under
the laws of the State of New York (the "Insurance Company"), on behalf of itself
and certain of its separate accounts; SUNAMERICA SERIES TRUST, a Massachusetts
business trust ("Trust"); AMERICAN FUNDS INSURANCE SERIES ("Series"), an
open-end management investment company organized under the laws of the
Commonwealth of Massachusetts; and CAPITAL  . . .

                          FUND PARTICIPATION AGREEMENT

         THIS AGREEMENT is entered into as of this 1st day of May, 2007 among
NATIONWIDE FINANCIAL SERVICES, INC. on behalf of its subsidiary life insurance
companies listed on Attachment B (collectively "Nationwide"), and certain of its
separate accounts; NATIONWIDE FUND MANAGEMENT LLC ("NFM"), a subsidiary of
Nationwide, on its own behalf and on behalf of Nationwide Variable Insurance
Trust; AMERICAN FUNDS INSURANCE SERIES ("Series"), an open-end management
investment company organized under the  . . .