Please read the following terms of use carefully before using the Lincoln National Corporation web site or any functionality contained herein.  By using this site, you signify that you agree to these terms of use. If you do not agree to these terms of use, please do not use this site.

The information, text, graphics and links provided herein are provided by Lincoln National Corporation and its family of companies as a convenience to you.

Lincoln Financial Group ("LFG") is the marketing name for Lincoln National Corporation and its family of companies. LFG will use reasonable efforts to include accurate and up-to-date information on this site. You agree to use this site at your own risk. We try to make the site as accurate as possible. LFG, however, does not warrant and cannot guarantee the accuracy or completeness of the information, text, graphics, links, and other items contained on this site or any other site. Information provided on this site is for informational purposes only; it is not our position to offer legal or tax advice. If you take any action based on the information provided on this site, you take full responsibility for the results of that action. Furthermore, any product references are not meant to be a solicitation, but rather, provide information, as everyone's situation is unique.

LFG does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that make it available are free of viruses or other harmful components.

By accessing the account information functionality on this site and using your assigned User ID and Password, you agree to these terms of use and authorize LFG to act on any instructions to exchange funds, allocate future contributions, or perform other transaction in your accounts. LFG will not be liable for acting on these instructions. If you do not agree to these terms of use, please do not use this site.

PROCESSING OF TRANSACTIONS

This agreement does not alter the contract between any contract owner, field representative, consultant or vendor and LFG. All transactions initiated through this site will be processed according to the terms of the contract issued by LFG to you or your employer.

All information obtained and transactions requested through this site are subject to confirmation in writing. The online acknowledgments or other messages that appear on your screen for transactions requested do not mean that the transaction requests have been accepted or rejected. These acknowledgments are only an indication that the transaction information entered by you has been transmitted or cannot be transmitted. The owner of the contract will receive confirmation, either written or electronic, from LFG when a transaction has been accepted and processed. Until this confirmation is received, LFG makes no representations whether or not the transaction has been accepted or processed.

By accessing your account through this site, and using your assigned User ID and Password, you authorize LFG to do the following:

1.       permit access to your account(s), or, if authorized, your clients' accounts,

2.       act on any instructions received via computer, including the Internet, and

3.       exchange funds, allocate future contributions, or perform other transactions in your accounts as permitted by the processing functionality of this site.

* You understand and agree that LFG will not be held liable for acting on these instructions. 

* You acknowledge that you are responsible for accurately entering all data to perform a transaction, for verifying such instructions, and for ensuring the confidentiality of your User ID and Password.

* You agree to contact LFG immediately if you believe there is a discrepancy between a transaction you performed and the confirmation statement received from LFG or if someone has obtained unauthorized access to your account, User ID or Password.

 

NEITHER LFG NOR ANY THIRD PARTY MAKE ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, ABOUT THE SUITABILITY OF THIS SITE FOR ANY PURPOSE, OR WITH RESPECT TO ANY RESULTS OBTAINED FROM ANY ELECTRONIC SERVICES, PROGRAMS OR PRODUCTS ACCESSED VIA THIS SITE. THE CONTENTS OF THIS SITE ARE PROVIDED "AS IS" WITHOUT EXPRESS OR IMPLIED WARRANTY. IN NO EVENT WILL LFG OR ANY THIRD PARTY BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY NATURE INCLUDING BUT NOT LIMITED TO LOSS OF USE, LOSS OF DATA OR LOSS OF PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGE, OR BASED UPON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OR DEFECT IN THIS SITE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

This site could include technical inaccuracies or typographical errors. Changes are periodically added to the information herein. LFG may make improvements and/or changes in the product(s) and/or the program(s) described on this site at any time.

SECURITY

You will be given a password that will give you access to your accounts through this site.This password can be changed within the site.We recommend that you change your password regularly.For security purposes, it is recommended that you memorize the password and do not write it down.If you believe that your password may have been lost or stolen, or if you suspect any fraudulent activity on your account, notify LFG immediately.Contact information is available by clicking "Contact Us" at the bottom of site.

You are responsible for keeping your online password, account numbers, personal identification and other account data confidential.LFG cannot be responsible for customer errors or the negligent use of this site and we will not accept responsibility for losses due to:

.          Input errors or misuse of the site.

.          Negligent handling or sharing of passwords leading to unauthorized access to accounts.

.          Leaving a computer unattended during an online session.

.          Failure to report known incidents of unauthorized account access immediately.

RESTRICTIONS ON USE OF MATERIALS.

 

This site is owned by Lincoln National Corporation (referred to as "LFG," "we," "us," or "our" herein). No material from lfg.com or any web site owned, operated, licensed or controlled by LFG may be copied, modified, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except for the following: you may copy, save or print the materials on any single computer for your personal, noncommercial home use and information, provided you keep intact all copyright and other proprietary notices, or as discussed below. Modification of the materials or use of the materials for any other purpose is a violation of LFG's copyright and other proprietary rights. The use of any such material on any other web site or networked computer environment is prohibited.

LFG grants certain users the right to view, copy and print the contents of the Financial Professionals section of the web site with the following conditions: An effective selling agreement must be in place, and the user must register for this service and agree to use the material for its intended purpose. Broker and Broker/Dealer use only materials are for information purposes only and may not be reproduced, shown or quoted to members of the public or used as sales literature. The information may not be modified, reused or reposted without written permission of LFG. Downloadable sales literature, identified on the Financial Professionals section as being for use with the public, must be used in its entirety solely for the promotion and sale of products and services of the Lincoln Financial Group affiliated companies and may not be modified or reposted without written permission of Lincoln Financial Distributors, Inc. Certain information provided within the Financial Professionals section site may be used with the offering of securities only if preceded or accompanied by a prospectus. Prospectuses contain more complete information on fees and expenses and should be read carefully before investing.

LFG grants certain users the right to view, copy and print the contents of the Lincoln4Benefits section of the web site with the following conditions: The user must be a group plan administrator (or its delegate), or an effective Employer Authorization must be in place and the user must register for this service and agree to use the information on L4B for its intended purposes.

SUBMISSIONS.

 

LFG welcomes your comments regarding our web site. While we do value your feedback, we ask that you not submit to us any suggestions, materials, ideas or creative concepts for new, modified or different products or services via this web site. LFG requests this in order to avoid confusion in the future regarding the origin of the concept, product or service.

If you send us creative suggestions, ideas, concepts or other information (collectively, the "Information"), such Information shall be deemed by LFG to be, and shall remain, the property of LFG. None of the Information shall be subject to any obligation of confidence on the part of LFG and LFG shall not be liable for any use or disclosure of any Information. Without limiting the foregoing, LFG shall exclusively own all rights to the Information of every kind and nature and shall be entitled to unrestricted use of the Information for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Information.

AVAILABILITY OF PRODUCTS.

 

Unless otherwise specified, the materials in the site are presented solely for the purpose of educating the user about the products and services of LFG. This site is controlled by LFG from its offices within the State of Indiana, United States of America. LFG makes no representation that any or all of the materials in the site are appropriate or available for sale in any or all locations. Not all products and services described are available in all states of the U.S. or the world. Those who choose to access this site do so on their own initiative and are responsible for compliance with state, local and foreign laws, if and to the extent such laws are applicable.

PRODUCT MANUFACTURING AND DISTRIBUTION.

 

The Lincoln National Life Insurance Company (California certificate of authority #0585-0) and First Penn-Pacific Life Insurance Company, Fort Wayne, Indiana, offer life insurance and annuities for sale in the United States, other than in New York.

Lincoln Life & Annuity Company of New York, Syracuse, New York, offers life insurance and annuities for sale in the state of New York.

Registered variable insurance policies and contracts are distributed by Lincoln Financial Distributors, Inc; which acts as principal underwriter for both The Lincoln National Life Insurance Company and Lincoln Life & Annuity Company of New York.

Securities are offered for sale in the United States through Lincoln Financial Advisors Corporation, a broker/dealer, member FINRA, and other authorized broker/dealers.

Investment advisory services are offered in the United States through Lincoln Financial Advisors Corporation, a registered investment advisor.

GOVERNING LAW.

 

This agreement shall be governed by and construed in accordance with the laws of the State of Indiana, without giving effect to any principles of conflicts of law. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the subject matter herein. LFG may modify the contents of this agreement at any time in its sole discretion.

SERVICE MARK/TRADEMARK INFORMATION.

 

Unless otherwise indicated, all trademarks, service marks, and trade names are proprietary for Lincoln National Corporation or one of its affiliates or subsidiaries. Lincoln National Corporation enforces its intellectual property rights.

Adobe and Acrobat are trademarks of Adobe Systems Incorporated and are used with permission from Adobe Systems Incorporated.

THE AMERICAN LEGACY and AMERICAN LEGACY III are service marks of American Funds Distributors, Inc. and are licensed to Lincoln.

Excite is a registered trademark of Excite Incorporated and is used with permission from Excite Incorporated.

GeoSystems, GeoLocate and MapQuest are trademarks of GeoSystems Global Corporation, Inc. and are used with permission from GeoSystems Global Corporation, Inc.

RealPlayer is a registered trademark of RealNetworks, Inc. Used with permission.

Shockwave and Shockwave Flash are trademarks of Macromedia Incorporated and are used with permission from Macromedia Incorporated.

LCN 1566642-080916