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The document summarizes Nationwide Financial's 2004 annual report. It discusses how in 2004, Nationwide Financial implemented changes to better align its operations with key market segments. This included appointing new leadership and instilling greater financial discipline. As a result, Nationwide Financial's total revenues increased 6% to $4.2 billion and net operating earnings rose 17% to $531 million in 2004. Looking ahead to 2005, Nationwide Financial's top priority will be strengthening its operating model while building platforms to capture growth opportunities by focusing on financial discipline, distribution strategy, and understanding consumer needs.



































