SPRINGFIELD, Mass, is a global , growth-
oriented, diversified financial services organization providing life
insurance, annuities , disability income insurance, long-term care insurance,
retirement planning products, structured settlement annuities, trust services,
money management, and other financial products and services . Thresher, president and chief operating officer for Nationwide
Financial.(ii) For more information , visit http://www.

1835 underwriter

Assets under
management include assets and certain external investment funds managed by
MassMutual subsidiaries.

admitted retirement

annuities admitted

Massachusetts Mutual Life Insurance Company (MassMutual) and affiliates ,
Springfield, MA 01111-0001
Securities offered through registered representatives of MML Investors
Services, Inc.

holder nippon

"We are excited to be one of M Financial's exclusive Partner Carriers ,"
said Mark R.

accumulation enhanced

M. This
experience will play an integral role as M Financial and Nationwide explore
opportunities to develop proprietary products tailored for the high-net worth
and corporate clients of M Financial Member Firms."

About M Financial Group
M Financial Group is one of the nation's leading distributors of financial
products and services.

mutual admitted

, a MassMutual subsidiary.

About Nationwide Financial(R)
Nationwide Financial Services, Inc.

Nationwide , Nationwide Financial and the Nationwide Framemark are
federally registered service marks of Nationwide Mutual Insurance Company.

retirement subsidiary

accumulation provident

;
The MassMutual Trust Company, FSB; Antares Capital Corporation; MML Bay State
Life Insurance Company; C.

annuity admitted

Nationwide Financial and M Financial will also partner to deliver
additional value to Member Firm clients through arrangements that leverage M
Financial 's superior mortality, persistency and expense experience.

nippon admitted

Nationwide Financial(R) Forms Distribution Partnership With M Financial Group

subsidiary underwrites

(NYSE: NFS), a publicly traded company
based in Columbus, Ohio, provides a variety of financial services that help
consumers invest(i) and protect their long -term assets, and offers retirement
plans and services through both public- and private-sector employers .

admitted accumulation

The MassMutual Financial Group is a marketing designation (or fleet name)
for Massachusetts Mutual Life Insurance Company (MassMutual) [of which
Retirement Services is a division] and its affiliates , which include:
OppenheimerFunds, Inc.; Babson Capital Management LLC; Baring Asset Management
Limited; Cornerstone Real Estate Advisers, LLC; MML Investors Services, Inc. On
Your Side is a service mark of Nationwide Mutual Insurance Company.

subsidiary except

except accumulation

Life Insurance Company; and MassMutual
International, Inc . "Their distribution network is unique in the industry, and their
long history of distribution strength in the corporate and affluent
marketplace will allow us to deliver quality Nationwide products and services
to their Member Firms and their clients.

provident metlife

MassMutual Chosen for Gowan Company 401(k)

Additionally , Nationwide
will provide a variety of dedicated resources to support M Financial Member
Firms , including sales and marketing support, underwriting and policyholder
service. 99 on the Fortune 500 based on 2004
revenue.com.

holder 1898

MassMutual is on the Internet at
http://www.massmutual."
"Nationwide is an excellent addition to our carrier lineup," said Fred
Jonske, president and CEO of M Financial. The group is led by Nationwide Mutual
Insurance Company, which is ranked No.

annuity underwrites

COLUMBUS , Ohio, Nationwide Financial Services,
Inc. (NYSE: NFS), today announced an agreement with M Financial Group (M
Financial) to offer Nationwide Financial's extensive array of life insurance,
annuity , retirement plan and Corporate-Owned Life Insurance (COLI) products to
M Financial's Member Firms and their affluent and corporate clients. In MI only:
Nationwide Investment Svcs.

retirement subsidiary

"With access to Nationwide's life
insurance, investment and retirement product offerings, our Member Firms have
enhanced their ability to meet the diverse needs of their clients. Since 1978, the company's network of independent
insurance, investment and executive benefit firms has served the needs of
ultra-affluent individuals , corporate executives, successful entrepreneurs and
Fortune 1000 companies.nationwide.

1845 annuities

M Financial has more than 110 Member Firms in 35
states.

(i) Nationwide Investment Services Corporation , member NASD. Corporation.

enhanced except

seekers nippon

It's part of the Nationwide group of companies, which offers diversified
insurance and financial services.

1959 forty

Through this relationship, M Financial Member Firms can access a wide
array of offerings from Nationwide, one of the nation's leading providers of
life insurance, retirement and long-term investment products and services.

(ii) Fortune Magazine , April 2005

1959 annuities

com.

seekers holder

Nationwide's strengths, specifically in the corporate arena, coupled with M
Financial's formidable distribution network, provide an excellent foundation
for a very successful relationship.