<SEC-DOCUMENT>0000059558-25-000029.txt : 20250321
<SEC-HEADER>0000059558-25-000029.hdr.sgml : 20250321
<ACCEPTANCE-DATETIME>20250321071752
ACCESSION NUMBER:		0000059558-25-000029
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20250321
DATE AS OF CHANGE:		20250321

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			LINCOLN NATIONAL CORP
		CENTRAL INDEX KEY:			0000059558
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				351140070
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-265361
		FILM NUMBER:		25758519

	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]
		ORGANIZATION NAME:           	02 Finance
		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>fwp_agentsbrokersdcp325.htm
<DESCRIPTION>FWP
<TEXT>
<html><head>
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<title>Document</title></head><body><div id="i954205b5be4a4a30a37dae5d518cd5e0_1"></div><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:112%">Filed Pursuant to Rule 433 </font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:112%">Registration No. 333-265361</font></div><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:112%">March 21, 2025</font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The following information is a Notice of Fund Changes relating to certain investment options under the Lincoln National Corporation Deferred Compensation Plan for Agents and Brokers (the &#8220;Plan&#8221;).  For more information about each of the investment options offered under the Plan (except for the LNC Stock Fund), visit </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">LincolnFinancial.com&#47;RetirementInfoCenter </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%">or log on to Nolan Financial Group&#8217;s website at </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:112%">www.nolanlink.com</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:112%"> or contact Nolan Financial Group at 888-907-8633.  </font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:115%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:48.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">&#91;LINCOLN FINANCIAL LOGO&#93;&#160;&#160;&#160;&#160;</font></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:115%">Lincoln Financial</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">150 N. Radnor Chester Road</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Radnor, PA 19087</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 7pt 2px 1pt;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">LincolnFInancial.com</font></td></tr></table></div><div><font><br></font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">March 21, 2025</font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div></td></tr></table></div><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Notice of Fund Changes (&#8220;Notice&#8221;) for&#58;</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Lincoln National Corporation Deferred Compensation Plan</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">for Agents and Brokers</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Dear Plan Participant&#58;</font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">The following information is a Notice relating to certain investment options under the Lincoln National Corporation Deferred Compensation Plan for Agents and Brokers (the &#8220;Plan&#8221;).  For more information about each of the investment options offered under the Plan</font><font style="color:#0000ff;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">&#91;1&#93;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%"> (except for the LNC Stock Fund), you should </font><font style="color:#333333;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">visit </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">LincolnFinancial.com&#47;RetirementInfoCenter </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">or log on to Nolan Financial Group&#8217;s website at </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">www.nolanlink.com</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%"> or contact Nolan Financial Group at 888-907-8633.  </font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Effective </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">April 22, 2025</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">,</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%"> </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">the Macquarie Large Cap Value Trust</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%"> </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">will be replaced with BlackRock Equity Dividend Fund M </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%;text-decoration:underline">and</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%"> the Macquarie Diversified Income Trust Class B will be replaced with FIAM Core Plus CIT Class H. Any account balances you have in, and&#47;or future deferral investment elections remaining in the Macquarie Large Cap Value Trust or the Macquarie Diversified Income Trust Class B as of the close of business on April 22, 2025 will automatically be mapped (or transferred) as shown in the chart below. Any contributions received on or after April 22, 2025 that are directed to the investment options being eliminated, will be mapped as shown in the chart below.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%"> Because this mapping (or transfer) is automatic, you do not need to take any action</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">.</font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">For purposes of clarity, the terms &#8220;mapped&#8221; and &#8220;mapping&#8221; refer to your future contributions, while &#8220;transferred&#8221; and &#8220;transfer&#8221; refer to your existing account balances.</font></div><div><font><br></font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:112%">&#91;1&#93;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:112%">  </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Reminder, your Plan account is not actually invested in the investment options offered under the Plan.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:12pt;font-weight:400;line-height:112%">  </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Instead, the performance of the investment options is used solely as a measure to calculate the value of your Plan account, and eventual benefit.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:12pt;font-weight:400;line-height:112%">  </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:112%">This is sometimes referred to as &#8220;phantom&#8221; or &#8220;notional&#8221; investing.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:8pt;font-weight:400;line-height:112%"> </font></div><div style="text-align:justify"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">1</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:23.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.900%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="background-color:#d9d9d9;border-left:1pt solid #bfbfbf;border-top:1pt solid #bfbfbf;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">If you are currently invested in the following investment option being </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%;text-decoration:underline">eliminated</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">&#58;</font></div></td><td colspan="6" style="background-color:#d9d9d9;border-left:1pt solid #bfbfbf;border-right:1pt solid #bfbfbf;border-top:1pt solid #bfbfbf;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Your balance and investment elections will be transferred to the new investment option being </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%;text-decoration:underline">added</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">&#58;</font></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #bfbfbf;border-top:1pt solid #bfbfbf;padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">556070100</font></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #bfbfbf;border-top:1pt solid #bfbfbf;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Macquarie Large Cap Value Trust</font></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #bfbfbf;border-top:1pt solid #bfbfbf;padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">09259D597</font></td><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #bfbfbf;border-right:1pt solid #bfbfbf;border-top:1pt solid #bfbfbf;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">BlackRock Equity Dividend Fund M</font></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-left:1pt solid #bfbfbf;border-top:1pt solid #bfbfbf;padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">556070308</font></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #bfbfbf;border-left:1pt solid #bfbfbf;border-top:1pt solid #bfbfbf;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Macquarie Diversified Income Trust Class B</font></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #bfbfbf;border-left:1pt solid #bfbfbf;border-top:1pt solid #bfbfbf;padding:2px 1pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">30257M579</font></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #bfbfbf;border-left:1pt solid #bfbfbf;border-right:1pt solid #bfbfbf;border-top:1pt solid #bfbfbf;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">FIAM Core Plus CIT Class H</font></td></tr><tr><td colspan="12" style="background-color:#ffffff;border-bottom:1pt solid #bfbfbf;border-left:1pt solid #bfbfbf;border-right:1pt solid #bfbfbf;border-top:1pt solid #bfbfbf;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#333333;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Prior to investing in a collective investment trust option, an investor should consider carefully the investment objectives, risks, and charges and expenses of the </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">offeror of the collective investment trust</font><font style="color:#333333;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">.</font></div></td></tr></table></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Actions to consider</font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Take a few minutes to review your investment portfolio. Make any changes you feel are necessary to meet your retirement savings goals. If you don&#8217;t want the investment of your existing account to be mapped (or transferred) as indicated, you may change your investment elections and&#47;or make a reallocation on your own by initiating a transfer prior to 4&#58;00 p.m. ET on </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">April 22, 2025</font><font style="color:#0070c0;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">. </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Please note that you cannot choose to keep any investments in or transfer any investments to the investment options being eliminated. For more information on the available investment options, </font><font style="color:#333333;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">visit </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">LincolnFinancial.com&#47;RetirementInfoCenter </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">or log on to your account at Nolan Financial Group&#8217;s website at </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">www.nolanlink.com</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">.  </font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Please be sure to make any changes prior to 4&#58;00 p.m. ET on April 22, 2025 if you do not want the mapping (or transfer) to occur.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%"> Of course, you could also wait until after the automatic mapping (or transfer) occurs if you wish to exchange investment options or change where your future deferrals are invested.</font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Any transactions requested on </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">April 22, 2025</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">, (such as transfers) will not be processed while the fund change is being made but will process as soon as administratively feasible once the fund change is completed. All accounts will continue to be credited with investment results during the change. </font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Participants in any of Lincoln&#8217;s other non-qualified deferred compensation plans administered by Nolan Financial Group that utilize the same investment options as the Plan will be impacted by these changes at the same time.  </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:19.083%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.074%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.074%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.074%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.074%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.156%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.239%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.156%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.074%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.996%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">NEW INVESTMENT OPTION</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">Fund name</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">Total annual operating expenses %</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">Total annual operating expenses $</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">Net operating expenses %</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">Net operating expenses $</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">1-yr return %</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">5-yr return %</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">10-yr return %</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">Since inception return %</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">Inception date</font></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">BlackRock Equity Dividend Fund M (09259D597)</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">0.28%</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">$2.80</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">0.28%</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">$2.80</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.6%</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">8.66%</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">----</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">9.51%</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">9&#47;20&#47;2019</font></div></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">FIAM Core Plus CIT Class H (30257M579)</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">0.20%</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">$2.00</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">0.20%</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">$2.00</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">2.74%</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">0.93%</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">2.48%</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">----</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">6&#47;30&#47;2004</font></div></td></tr></table></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:18.961%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.088%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.088%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.088%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.088%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.169%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.250%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.169%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.088%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.011%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">ELIMINATED INVESTMENT OPTION</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">Fund name</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">Total annual operating expenses %</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">Total annual operating expenses $</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">Net operating expenses %</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">Net operating expenses $</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">1-yr return %</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">5-yr return %</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">10-yr return %</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">Since inception return %</font></div></td><td colspan="3" style="background-color:#f2f2f2;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:7.5pt;font-weight:700;line-height:112%">Inception date</font></div></td></tr><tr><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Macquarie Large Cap Value Trust Cl B (556070100)</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">0.50%</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">$5.00</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">0.50%</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">$5.00</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">7.27%</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">5.75%</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">----</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">7.3%</font></div></td><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">12&#47;20&#47;2017</font></div></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Macquarie Diversified Income Trust Cl B (556070308)</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">0.30%</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">$3.00</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">0.30%</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">$3.00</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">1.99%</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">0.68%</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">----</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">0.38%</font></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><font style="color:#000000;font-family:'Arial Narrow',sans-serif;font-size:8pt;font-weight:400;line-height:112%">1&#47;28&#47;2020</font></div></td></tr></table></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">2</font></div></div></div><hr style="page-break-after:always"><div style="min-height:72pt;width:100%"><div><font><br></font></div></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Average returns provided are representative of performance as of December 31, 2024. </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">Questions&#63;  </font></div><div style="text-align:justify"><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">Participants with any questions about these changes or who would like to change their current account balance and&#47;or investment elections under the Plan, should </font><font style="color:#333333;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">visit </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">LincolnFinancial.com&#47;RetirementInfoCenter </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">or log on to their account at Nolan Financial Group&#8217;s website at </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">www.nolanlink.com </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">or contact Nolan Financial Group at 888-907-8633</font><font style="color:#808080;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">.  </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">For more information about the Plan, please review the Plan&#8217;s current Summary Plan Description&#47;Prospectus. </font></div><div style="text-align:justify"><font><br></font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><font style="font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:112%"><br></font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:112%">This Notice contains important information about the Plan and should be<br>kept with your Summary Plan Description&#47;Prospectus.<br></font></td></tr></table></div><div><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">* * * * *</font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:112%">All of the internet website addresses are provided for your convenience.  None of the information contained in such websites shall be deemed incorporated by reference in this document.</font></div><div><font><br></font></div><div style="text-align:justify"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:112%">The issuer has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates.  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.  You may get these documents free by visiting EDGAR on the SEC website at www.sec.gov.  Alternately, the issuer will arrange to send you the Summary Plan Description&#47;Prospectus if you request it by calling Nolan Financial Group at 888-907-8633.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Lincoln Financial is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">3</font></div></div></div></body></html>
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