Lincoln Financial Group is a diversified financial services organization headquartered in the Philadelphia region. With $146 billion as of March 31, 2010, Lincoln Financial Group has been serving the financial needs of customers since 1905. Our goal is to provide comprehensive financial solutions that help our customers secure their retirement and manage life transitions. For financial professionals, Lincoln Financial is their partner of choice, offering innovative, industry-leading products and educational resources to help them build their book of business.

LINCOLN FINANCIAL® companies offer a variety of financial products and services:

• Life Insurance and long-term care protection
• Annuities
• Individual and group retirement plans
• Group benefits

Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates. With headquarters in the Philadelphia region, the operating companies of Lincoln Financial Group had assets under management of $137 billion as of September 30, 2009. Through its affiliated companies, Lincoln Financial Group offers: annuities; life, group life and disability insurance; 401(k) and 403(b) plans; savings plans; and comprehensive financial planning and advisory services.

* New York products are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. The Lincoln National Life Insurance Company of Fort Wayne, IN, issues products in all other states. The Lincoln National Life Insurance Company is not authorized, nor does it solicit business in the state of New York. It is separately responsible for satisfying its own financial and contractual obligations.

Strategic Highlights

A Broad and Balanced Product Portfolio for Individuals

The companies of Lincoln Financial Group are known for innovation in life insurance and annuity products, and enjoy a leadership position among U.S. companies for life and annuities sales.
Product Rankings (as of 9/30/09)*

# 4 in total life sales1 # 3 in VUL sales1 # 5 in variable annuity sales2
# 1 in UL sales1 # 10 in fixed annuity sales1 # 4 in indexed annuity sales1

* Product rankings are based on third quarter YTD 2009 sales. The rankings are provided by outside sources, and are inclusive of all products issued by Lincoln National Corp. affiliates. As of November 18, 2009, the above rankings are the most recently published.