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Exhibit 4(a) NATIONWIDE LIFE AND ANNUITY COMPANY OF AMERICA INSURED: JOHN DOE POLICY NUMBER: 9,000,000 POLICY ISSUE DATE: 09/01/2002 FACE AMOUNT: $50,000.00 ISSUE AGE AND SEX: 35, MALE DEATH BENEFIT: OPTION A POLICY DATE: 09/01/2002 Nationwide Life...