Nationwide Provident VLI Separate Account 1 ▼

                          FUND PARTICIPATION AGREEMENT

This Fund Participation Agreement ("Agreement"), dated as of the __ day of
______, 2002 is made by and among Nationwide Life Insurance Company of America
("NLICA"), a Pennsylvania corporation, and Nationwide Life and Annuity Company
of America ("NLACA"), a Delaware corporation, (separately or collectively the
"Company") on their own behalf and on behalf of each of the Company's segregated
asset accounts identified on Exhibit A which is attached hereto and may be
amended from time to time (" . . .

                               JANUS ASPEN SERIES

                          FUND PARTICIPATION AGREEMENT
                                (SERVICE SHARES)


         THIS AGREEMENT is made this first day of May, 2002, between JANUS ASPEN
SERIES, an open-end management investment company organized as a Delaware
business trust (the "Trust"), and PROVIDENT MUTUAL LIFE INSURANCE COMPANY, a
life insurance company organized under the laws of the Commonwealth of
Pennsylvania (the "Company"), on its own behalf and on behalf of each segregated
asset account of the Company  . . .

                     PROVIDENT MUTUAL LIFE INSURANCE COMPANY

                                      RIDER

                          LONG TERM CARE WAIVER BENEFIT



INSURED

POLICY NUMBER                                  RIDER ISSUE DATE


This Rider is attached to and is a part of this Policy.


BENEFITS

WAIVER OF PREMIUM BENEFIT. Upon receipt of due proof that:

     (a)  the Insured is eligible, as defined herein; and

     (b)  such eligibility begins while this Rider is in effect; and

     (c)  the Elimination Period, as defined herein, has been satisfied, . . .

                             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

       . . .

                             PARTICIPATION AGREEMENT
                             -----------------------
                                      Among

                       OPPENHEIMER VARIABLE ACCOUNT FUNDS,
                       -----------------------------------
                             OPPENHEIMERFUNDS, INC.,
                             -----------------------
                     PROVIDENT MUTUAL LIFE INSURANCE COMPANY
                     ---------------------------------------
                                       and

               PROVIDENTMUTUAL LIFE AND ANNUITY  . . .