The Lincoln National Life Insurance

The Lincoln National Life Insurance Company is the fourth largest variable annuity company in the nation, as measured by assets, and is ranked among the top ten in new variable annuity sales, according to the VARDS Report for the fourth quarter 2002. Lincoln Retirement, the marketing name for the annuities operation of The Lincoln National Life Insurance Company, operates in Fort Wayne, Indiana; Portland, Maine; Schaumburg, Illinois; and Arlington Heights, Illinois. Lincoln Retirement provides competitive, innovative income accumulation, income payout and wealth transfer solutions for individuals and small- to mid-size businesses, not-for-profit organizations and governmental units. It also offers a complete portfolio of fixed and variable individual annuities as well as group variable annuities and other financial services through its individual and employer sponsored retirement plans.