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This presentation and certain oral statements made on LNC’s behalf may contain information that
includes or is a “forward-looking statement” within the meaning of the Private Securities Litigation Reform
Act of 1995 (“PSLRA”). A forward-looking statement is a statement that does not strictly relate to a
historical fact. A forward look statement includes any statement that may predict, forecast, indicate or
imply future results, performance or achievements, and may contain words like: “believe”, “anticipate”,
“expect”, “estimate”, “project”, “will”, “shall” and other words or phrases with similar meaning. LNC claims
the protection afforded by the safe harbor for forward-looking statements provided by the PSLRA.
Forward-looking statements involve risks and uncertainties that may cause actual results to differ
materially from the results contained in the forward-looking statements, and include but are not limited to,
legislative and regulatory changes and proceedings, changes in interest rates, sudden or prolonged
declines in the equity markets, deviation in actual experience regarding future persistency, mortality,
morbidity, interest rates or equity market returns from Lincoln’s assumptions used in pricing its products,
in establishing related insurance reserves, and in the amortization of intangibles that may result in an
increase in reserves and a decrease in net income; and changes in general economic or business
conditions. These risks and uncertainties, as well others, are described in LNC’s recent Forms 10-K, 10-
Q, 8-K, and other documents filed with the Securities and Exchange Commission. Moreover, LNC
operates in a rapidly changing and competitive environment. New risk factors emerge from time to time
and it is not possible for management to predict all such risk factors.
Further, it is not possible to assess the impact of all risk factors on LNC’s business or the extent to which
any factor, or combination of factors, may cause actual results to differ materially from those contained in
any forward-looking statements. Given these risks and uncertainties, investors should not place undo
reliance on forward-looking statements as a prediction of actual results. In addition, LNC disclaims any
obligation to update any forward-looking statements to reflect events or circumstances that occur after the
date of this presentation.
Safe Harbor
