<SEC-DOCUMENT>0000059558-19-000022.txt : 20190531
<SEC-HEADER>0000059558-19-000022.hdr.sgml : 20190531
<ACCEPTANCE-DATETIME>20190531090321
ACCESSION NUMBER:		0000059558-19-000022
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20190531
DATE AS OF CHANGE:		20190531

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			LINCOLN NATIONAL CORP
		CENTRAL INDEX KEY:			0000059558
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				351140070
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-211879
		FILM NUMBER:		19868758

	BUSINESS ADDRESS:	
		STREET 1:		150 N RADNOR CHESTER RD
		CITY:			RADNOR
		STATE:			PA
		ZIP:			19087
		BUSINESS PHONE:		4845831400

	MAIL ADDRESS:	
		STREET 1:		150 N RADNOR CHESTER RD
		CITY:			RADNOR
		STATE:			PA
		ZIP:			19087

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			LINCOLN NATIONAL CORP
		CENTRAL INDEX KEY:			0000059558
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				351140070
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP

	BUSINESS ADDRESS:	
		STREET 1:		150 N RADNOR CHESTER RD
		CITY:			RADNOR
		STATE:			PA
		ZIP:			19087
		BUSINESS PHONE:		4845831400

	MAIL ADDRESS:	
		STREET 1:		150 N RADNOR CHESTER RD
		CITY:			RADNOR
		STATE:			PA
		ZIP:			19087
</SEC-HEADER>
<DOCUMENT>
<TYPE>FWP
<SEQUENCE>1
<FILENAME>fwpagentsdcp.htm
<DESCRIPTION>FWP FOR LNC AGENTS AND BROKERS DCP
<TEXT>
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    <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Filed Pursuant to Rule 433<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><br>
      </font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Registration No. 333-211879</font></div>
    <div style="text-align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">May 31, 2019</font></div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The following information is a Summary of Material Modifications/Notice of Changes relating to certain investment options under the Lincoln
        National Corporation Deferred Compensation Plan for Agents and Brokers (the &#8220;Plan&#8221;).&#160; For more information about each of the investment options offered under the Plan (except for the LNC Stock Fund), you should log on to Nolan Financial Group&#8217;s
        website at: www.nolanlink.com, or contact Nolan Financial Group at 888-907-8633.</font></div>
    <div><br>
    </div>
    <div style="text-align: left;"><br>
    </div>
    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Investment Fund Changes:</font></div>
    <div><br>
    </div>
    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Effective July 2, 2019, the following changes will take effect for the notional investment options available under the Plan:</font></div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z11c59f6bfef44946be32b549e3b406b5" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

        <tr>
          <td style="width: 45.81%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;" colspan="2">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Removing:</font></div>
          </td>
          <td style="width: 54.19%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;" colspan="2">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">New fund being added</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Assets and elections will be mapped to:</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 9.78%; vertical-align: bottom; background-color: #FFFFFF; border-bottom: #000000 2px solid;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">DODFX</font></div>
          </td>
          <td style="width: 36.03%; vertical-align: middle; background-color: #FFFFFF; border-bottom: #000000 2px solid;">
            <div>&#160;</div>
            <div style="text-align: left; margin-right: 2.7pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Dodge &amp; Cox International Stock Fund</font></div>
          </td>
          <td style="width: 12.27%; vertical-align: bottom; background-color: #FFFFFF; border-bottom: #000000 2px solid;">
            <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">00426P407</font></div>
          </td>
          <td style="width: 41.92%; vertical-align: middle; background-color: #FFFFFF; border-bottom: #000000 2px solid;">
            <div style="text-align: left; margin-right: 2.7pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Acadian All-Country World ex-US Equity CIT Fund &#8211; Class A</font></div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z77781fef4bb440968932eec161eec916" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

        <tr>
          <td style="width: 24.11%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">NEW FUND</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Fund Name</font></div>
          </td>
          <td style="width: 10.35%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Total annual operating expenses%</font></div>
          </td>
          <td style="width: 9.58%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Total annual operating expenses $</font></div>
          </td>
          <td style="width: 9.58%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Net operating expenses %</font></div>
          </td>
          <td style="width: 9.58%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Net operating expenses $</font></div>
          </td>
          <td style="width: 8.62%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">1-yr return %</font></div>
          </td>
          <td style="width: 8.62%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">5-yr return %</font></div>
          </td>
          <td style="width: 9.03%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">10-yr or since inception return %</font></div>
          </td>
          <td style="width: 10.54%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Inception date</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 24.11%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Acadian All-Country World ex-US Equity CIT Fund &#8211; Class
                  A&#160; </font>(00426P407)</font></div>
            <div>&#160;</div>
          </td>
          <td style="width: 10.35%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.58% *</font></div>
          </td>
          <td style="width: 9.58%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$5.80 *</font></div>
          </td>
          <td style="width: 9.58%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.58% *</font></div>
          </td>
          <td style="width: 9.58%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$5.80 *</font></div>
          </td>
          <td style="width: 8.62%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-6.9% **</font></div>
          </td>
          <td style="width: 8.62%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">4.3% **</font></div>
          </td>
          <td style="width: 9.03%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10.6% **</font></div>
          </td>
          <td style="width: 10.54%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">11/1/1998</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 24.11%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">REMOVED FUND</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Fund Name</font></div>
          </td>
          <td style="width: 10.35%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Total annual operating expenses%</font></div>
          </td>
          <td style="width: 9.58%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Total annual operating expenses $</font></div>
          </td>
          <td style="width: 9.58%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Net operating expenses %</font></div>
          </td>
          <td style="width: 9.58%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Net operating expenses $</font></div>
          </td>
          <td style="width: 8.62%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">1-yr return %</font></div>
          </td>
          <td style="width: 8.62%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">5-yr return %</font></div>
          </td>
          <td style="width: 9.03%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">10-yr or since inception return %</font></div>
          </td>
          <td style="width: 10.54%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Inception date</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 24.11%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Dodge &amp; Cox International Stock Fund </font>(DODFX)</font></div>
          </td>
          <td style="width: 10.35%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.63%***</font></div>
          </td>
          <td style="width: 9.58%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$6.30</font></div>
          </td>
          <td style="width: 9.58%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.63%***</font></div>
          </td>
          <td style="width: 9.58%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$6.30</font></div>
          </td>
          <td style="width: 8.62%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">-8.00%</font></div>
          </td>
          <td style="width: 8.62%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">0.85%</font></div>
          </td>
          <td style="width: 9.03%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10.25%</font></div>
          </td>
          <td style="width: 10.54%; vertical-align: middle; border-bottom: #000000 2px solid;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">5/1/2001</font></div>
          </td>
        </tr>

    </table>
    <div style="text-align: left; margin-top: 3pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Average annual returns provided are representative of performance as of March 31, 2019.</font></div>
    <div><br>
    </div>
    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">* Acadian&#8217;s investment management fee for its All-Country World ex-US Equity Collective Investment Trust (&#8220;CIT&#8221;) Fund is 0.50%.&#160; In addition,
        this CIT will be charged with certain operating expenses, including, but not limited to, custody fees, securities pricing fees, annual audit fees, tax filing fees, annual 5500 expenses, NSCC fees for CIT transactions via the NSCC system, website
        hosting and maintenance fees and manual trading fees.&#160; The operating expenses are capped at 0.15%.</font></div>
    <div><br>
    </div>
    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">** These annualized returns are a composite of the Acadian All-Country World ex-US Equity CIT Fund&#8217;s performance since inception of the CIT on
        11/1/1998; past performance does not guarantee future results.</font></div>
    <div><br>
    </div>
    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">*** 0.10% revenue is returned to participants invested in this Fund.</font></div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">You do not need to take any action</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">.&#160; Any account balances you have in, or contribution elections going to, the fund being removed will automatically map (or transfer) during the period described below to the
          new investment option, the Acadian All-Country World ex-US Equity CIT Fund &#8211; Class A.</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><br>
        </font><br>
        <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><br>
        </font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">If, however, you do not wish for an automatic mapping of your account, please keep in mind that you can change your investment elections on your own at any time.&#160;
          If you have an account balance in the fund being removed, you can transfer the balance of that fund to any available alternative funds available under the Plans by initiating a transfer prior to 4:00 p.m. ET on July 1, 2019.&#160; In addition, you can
          make changes to your future contribution elections for the investment option being removed.&#160; Please log on to your account </font>at www.nolanlink.com or visit <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">LincolnFinancial.com/RetirementInfoCenter</font>
        for<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> more information on the available fund options.&#160; Of course, you could also wait until after the automatic mapping occurs if you wish to exchange investment options or
          change where your future contributions are invested.</font></font></div>
    <div><br>
    </div>
    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Any transactions requested on July 2, 2019 (such as fund transfers) will not be processed while the fund change is being made but will be
        processed after the fund change has been completed, which is anticipated to be that same day.&#160; Your account, however, will continue to be credited with investment results during the change.</font></div>
    <div><br>
    </div>
    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">If you are also a participant in any of Lincoln&#8217;s other non-qualified deferred compensation plans administered by Nolan Financial Group that
        utilize the same fund options as the Plans, please note that this same investment option change will impact the non-qualified plans at the same time.</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-right: 2.9pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>Macquarie SMID Cap Growth Trust (Ticker:
            DELASCG)</u></font>.&#160; Effective as of June 1, 2019, the Macquarie SMID Cap Growth Trust will lower its fees from 0.80% to a maximum of 0.75% (0.70% for investment management fees and 0.05% maximum for operating fees).&#160; As a result of this
        change, the fund name has been changed to &#8220;Macquarie SMID Cap Growth Trust Fee Class 75&#8221;.&#160; There were no other changes to this fund.</font></div>
    <div><br>
    </div>
    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Questions?<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><br>
        </font></font><br>
    </div>
    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">If you have any questions about these changes, or would like to
          change your current balance and/or contribution elections under the Plan(s), contact </font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Nolan Financial Group at 888-907-8633</font><font style="font-size: 10pt;
          font-family: 'Times New Roman', Times, serif;"> or log on to your account at </font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">www.nolanlink.com</font><font style="font-size: 10pt; font-family: 'Times New
          Roman', Times, serif;">.&#160; For more information about the Plans, please review the applicable </font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Summary Plan Description</font><font style="font-size: 10pt;
          font-family: 'Times New Roman', Times, serif;"> (SPD).</font></font></div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="zc20a51f0d045483ab55a86a5655a1539" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

        <tr>
          <td style="width: 100%; vertical-align: middle; border-bottom: 4px double #000000;">
            <div>&#160;</div>
            <div>&#160;</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="zdf6cc82ca119410aacac2d38ff610cb9" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

        <tr>
          <td style="width: 100%; vertical-align: top; border-bottom: #000000 4px double;">
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">This Summary of Material Modifications contains important information about the Plan</font></div>
            <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">and should be kept with your Summary Plan Description/Prospectus.</font></div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">**********</font></div>
    <div><br>
    </div>
    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">All of the internet website addresses are provided for your convenience.&#160; None of the information contained in such websites shall be deemed
        incorporated by reference in this document.</font></div>
    <div><br>
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    <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">The issuer has filed a registration statement
          (including a prospectus) with the SEC for the offering to which this communication relates.&#160; Before you invest, you should read the prospectus in that registration statement and other documents the issuer has filed with the SEC for more complete
          information about the issuer and this offering.&#160; You may get these documents free by visiting EDGAR on the SEC Web site at </font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">www.sec.gov</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">.&#160; Alternately, the issuer will arrange to send you the prospectus if you request it by contacting Nolan Financial Group at 888-907-8633.</font></font></div>
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