Securities distributed by Lincoln Financial Distributors, Inc., a broker-dealer and marketing organization of Lincoln Financial
Group. Insurance offered through Lincoln affiliates. 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. Insurance products
are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of
New York, Syracuse, NY.