RETIREMENT PLAN SERVICES Lincoln Director SM program

RETIREMENT PLAN SERVICES

Lincoln DirectorSM program

An overview for financial advisors

The Lincoln Director program is designed to offer flexible options, fiduciary protection and personalized support that can help meet the goals of you and your clients.

The Lincoln Director program offers three key benefits

Flexibility

Competitive pricing Lincoln Director offers customized pricing structures to help meet the unique needs of each opportunity. Plans are automatically repriced on an annual basis, and as plan assets grow, the pricing is adjusted.

Features Choose from an extensive selection of funds and brand name managers with no proprietary fund requirements as well as multiple QDIA options.

Tiered service model Provides a broader spectrum of services as clients grow with Lincoln.

Investments Create an investment lineup that is right for you and your clients by selecting one of these three options:

? Workforce To meet the needs of varying workforce populations, Ibbotson has carefully constructed three investment lineups--Fundamental, Standard, and Extended--based on specific workforce characteristics. Working with Ibbotson, you and your client select the lineup that is most appropriate, and Ibbotson acts as either a 3(21) or 3(38) fiduciary.

? Choice For additional flexibility within the Workforce lineups, you can create a customized lineup within the Ibbotson framework. Within any of the three Choice lineups--Choice Fundamental, Choice Standard, or Choice Extended--you can select from a range of investments in each asset class. In this case, Ibbotson serves as a 3(21) fiduciary.

? Custom Custom lineups are available if you and your client wish to build a lineup from the full range of program investments without limitations. Ibbotson does not provide fiduciary support for custom lineups.

Ibbotson Insight Series Ibbotson helps shoulder the burden of fiduciary responsibility. If you select the Workforce or Choice investment lineup approach, Ibbotson provides 3(21) or 3(38) fiduciary services. Ibbbotson does not provide fiduciary support for custom lineups.

Stadion Money Management, LLC Stadion can also help satisfy your clients' fiduciary responsibilities, as each of their investment models qualifies as a QDIA. Stadion will serve as the 3(38) fiduciary investment manager to all participants for whom they manage assets.

Fiduciary support also includes methodology documents, quarterly watch list, and custom investment policy statement.

Local sales support Your local wholesaler can help you build your business in many ways, including providing assistance with prospecting, competitive analysis and benchmarking.

Dedicated implementation & account management teams With an average of more than 20 years of experience, Lincoln professionals can guide you and your clients through the most complex situations.

Local plan design consultants and administration Lincoln's TPA-centric approach gives you the opportunity to partner with the local administrator of your choice.

Enrollment support Local specialists deliver communication resources to drive an effective enrollment process.

Award-winning participant education program* We provide the tools and resources to help you create value and increase your client's retirement readiness.

*Recent awards include 2013 MFEA STAR Plan Participant awards, 2013 Pension & Investments Eddy awards.

Support Protection

Connect with Lincoln

To learn more or request a proposal, contact your Lincoln representative or call our retirement plan sales desk at 877-533-9710.

911483

For financial advisor use only. Not for use with the public.

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Things to know about Lincoln Financial Group

With $52 billion in retirement plan assets and more than 22,400 plan sponsors serving 1.4 million plan participants Lincoln Financial is among the largest retirement plan providers (as of December 31, 2013).

Lincoln ranks

235

on the Fortune 500

list by revenue.

(May 20, 2013)

71

on the Barron's 500 list by

sales growth and cash flow

returns on investments.

(May 4, 2013)

26

on the Fortune

500 list by assets.

(May 20, 2013)

7

in the small-case

401(k) market

by assets.1

Financial strength ratings2--The Lincoln National Life Insurance Company and the Lincoln Life & Annuity Company of New York

A+

A.M. Best (2nd highest of 16)

A+ Fitch (5th highest of 19)

A1

Moody's (5th highest of 21)

AA?

Standard & Poor's (4th highest of 22)

?2014 Lincoln National Corporation



Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.

Affiliates are separately responsible for their own financial and contractual obligations.

LCN-911483-042514 POD5/14Z10 Order code: DIR-FA-FLI016

1 LIMRA 2013, "401k Annual Scorecard," plans with 100 or fewer participants.

2 These ratings apply only to the company's claims-paying ability. The ratings do not imply approval of the product and do not refer to the performance of the product, including underlying investment options, if any. As of April 30, 2014, these ratings represent the most recently affirmed ratings by the respective agencies. Individual issuing companies are separately responsible for satisfying their own financial and contractual obligations. All ratings are subject to revision or withdrawal at any time by the rating agencies, and therefore, no assurance can be given that these ratings will be maintained. For more information on ratings, visit , go to ABOUT LINCOLN tab, click Investor Relations, click Ratings.

The current outlook for the insurance subsidiaries is stable from Moody's, A.M. Best, Fitch, and Standard & Poor's.

This material was prepared to support the promotion and marketing of a variable annuity product. Lincoln Financial Group? affiliates, their distributors, and their respective employees, representatives, and/ or insurance agents do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state, or local tax penalties. Please consult your own independent advisor as to any tax, accounting, or legal statements made herein.

A group variable annuity is a long-term investment product designed particularly for retirement purposes. Group annuities contain both investment and insurance components and have fees and expenses, including administrative and advisory fees. Optional features may be available for an additional charge. The annuity's value fluctuates with the market value of the underlying investment options, and all assets accumulate tax-deferred. Withdrawals may carry tax consequences, including possible tax penalties.

Lincoln DirectorSM group variable annuity (contract form 19476 and state variations) is issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life

Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are subject to the claims-paying ability of The Lincoln National Life Insurance Company.

Contracts sold in New York (contract form 19476NY-A 7/04) are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. Contractual obligations are subject to the claims-paying ability of Lincoln Life & Annuity Company of New York.

Products and features are subject to state availability. There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.

Ibbotson Associates, Inc. is a registered investment advisor and a wholly owned subsidiary of Morningstar, Inc. Neither Ibbotson nor Morningstar is affiliated with Lincoln Financial Group. The Ibbotson name and logo are registered marks of Ibbotson Associates, Inc.

Stadion investment advice and account management services are provided by Stadion Money Management, LLC. Stadion Money Management, LLC is an independent registered investment advisor for Stadion. Stadion Money Management, LLC is neither an affiliate nor a member of the Lincoln Financial Group. Participants are responsible for their own due diligence and can obtain information from their plan sponsor and Stadion Money Management, LLC.

For financial advisor use only. Not for use with the public.

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