EXHIBIT (h)(2)(b) ------------------------------------------------------------- -------------------

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                                EXHIBIT (h)(2)(b)
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      AMENDMENT TO TRANSFER AND DIVIDEND DISBURSING AGENT AGREEMENT BETWEEN
                        NATIONWIDE SEPARATE ACCOUNT TRUST
                                       AND
                       NATIONWIDE INVESTORS SERVICES, INC.

     This  amendment,  made this 1st day of May, 1999, by and between NATIONWIDE
SEPARATE  ACCOUNT  TRUST  (formerly  Nationwide  Separate  Account  Money Market
Trust),  a  Massachusetts  business  trust,  hereinafter called the "Trust," and
NATIONWIDE  INVESTORS  SERVICES,  INC.  (formerly  Heritage  Financial Services,
Inc.),  an  Ohio  corporation,  hereinafter  called  the  "Agent."

WITNESSETH:

     WHEREAS,  the Trust and the Agent have entered into a Transfer and Dividend
Disbursing  Agent  Agreement  on  November  1,  1981,  which has been previously
amended;  and

     WHEREAS, the parties desire to amend such Agreement to change the fees paid
to  Agent;

     NOW,  THEREFORE,  in  consideration  of  the  mutual covenants and promises
herein  contained,  it  is  agreed  as  follows:

1.   Exhibit  A, Schedule of Fees, is hereby amended in the form attached hereto
     effective  May  1,  1999.

2.   All  other  provisions  of  the  Agreement  shall  remain in full force and
     effect.

     IN  WITNESS WHEREOF, the parties have caused this Amendment to be signed by
their  respective  officers  thereunto  duly  authorized  and  their  respective
corporate  seals  to  be  hereunto  affixed  as  of the day and year first above
written.

                                       NATIONWIDE  SEPARATE  ACCOUNT  TRUST

                                         /s/  Xxxxx  X.  Xxxxx
                                      Name:   Xxxxx  X.  Xxxxx
                                      Title:  Treasurer

                                      NATIONWIDE  INVESTOR  SERVICES,  INC.
                                         /s/  Xxxxxxxxxxx  X.  Xxxx
                                      Name:   Xxxxxxxxxxx  X.  Xxxx
                                      Title:  Treasurer

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