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<p style="margin: 0px; text-align: left;"><span style="font-size: 40px; line-height: 48px; color: #ffffff;">Lincoln Leader </span></p>
<p style="margin: 0px; text-align: left;"><span style="font-size: 40px; line-height: 48px; color: #ffffff;"><span style="font-size: 24pt;">Fixed Annuities</span></span></p>
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<p style="margin: 0px; text-align: left;"><span style="font-size: 22px; line-height: 30px; color: #ffffff;">Volume 17, Issue 1<br>January 25, 2024</span></p>
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<td style="height: 40px; width: 236px; text-align: center; background-color: #ffffff; vertical-align: middle;" valign="middle" height="40" bgcolor="#FFFFFF" align="center"><a href="https://lincolnfinancial.dmplocal.com/main/index.php?action=t&id=125056&contact_uuid=3d07090d-db03-4f13-8437-ddc9df615684&ecl_id=32454639" title="Lincoln Leader - January 2024"><strong><span style="color: #800000;"><span style="font-family: arial, helvetica, sans-serif; font-size: 14pt;"><span style="font-size: 12pt;">DOWNLOAD LEADER NOW</span></span></span></strong></a><br><span style="font-family: arial, helvetica, sans-serif;">You may need to enable pop-ups in order to download the Leader.</span></td>
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<p><span style="color: #ad1135;"><span style="color: #ad1135;">Thank you for your business!<br></span></span></p>
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<p><span style="color: #ad112b;"><br><em>1099-R </em>tax forms mailed and available online <br></span></p>
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<td style="text-align: left; font-family: Calibri, Arial, sans-serif; font-size: 24px; font-weight: normal; letter-spacing: normal; line-height: 28px; padding-right: 25px; padding-bottom: 6px; padding-left: 25px; width: 100%; height: 10px;"><span style="color: #ad112b;"><span style="color: #000000;"><span style="font-size: 12pt;">The 1099-R mailing will be completed by January 31.</span></span></span></td>
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<td style="text-align: left; font-family: Calibri, Arial, sans-serif; font-size: 24px; font-weight: normal; letter-spacing: normal; line-height: 28px; padding-right: 25px; padding-bottom: 6px; padding-left: 25px; width: 100%; height: 28px;"><span style="color: #ad1135;"><br><em>Lincoln MYGuarantee<sup>SM</sup></em> Plus <br><span style="color: #000000;"><span style="font-size: 12pt;">Updated rate lock procedures to accommodate for e-applications and suitability time at firms.</span></span><br></span></td>
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<td style="text-align: left; font-family: Calibri, Arial, sans-serif; font-size: 24px; font-weight: normal; letter-spacing: normal; line-height: 28px; padding-right: 25px; padding-bottom: 6px; padding-left: 25px; width: 100%; height: 10px;"><span style="color: #ad1135;"><span style="color: #ad1135;"><br>Market Intel Exchange<br><span style="color: #000000;"><span style="font-size: 12pt;">Lincoln's flagship chartbook, updated monthly with data and insights on the economy, markets, and investment trends.</span></span><br></span></span></td>
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<p><span style="color: #231f20;"><span style="color: #ad1135;"><br>Market Conduct Manual<br><span style="font-size: 12pt; color: #000000;">Updated effective December 2023.</span></span></span></p>
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<p><span style="color: #231f20;"><span style="color: #ad1135;"><br>Lincoln Financial comes out on top<br><span style="font-size: 12pt; color: #000000;">Lincoln Financial Group has been recognized by Newsweek as one of the "most Trustworthy Companies" for the second year in a row.</span><br></span></span></p>
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<p><span style="font-size: 14pt;"><span style="font-size: 12pt;"><span style="font-size: 18pt; color: #ad112b;"><br><span style="color: #ad1135;">NAIC Annuity Transaction Model Reg<br></span></span></span></span><span style="font-size: 14pt;"><span style="font-size: 12pt;"><span style="font-size: 18pt; color: #ad112b;"><span style="color: #ad1135;"><span style="font-size: 12pt; color: #000000;">New: Utah - Training required. </span><i><br></i></span></span></span></span></p>
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<p><a href="https://lincolnfinancial.dmplocal.com/main/index.php?action=t&id=125056&contact_uuid=3d07090d-db03-4f13-8437-ddc9df615684&ecl_id=32454639" title="Fixed Annuity Lincoln Leader"><span style="color: #ffffff;"> <span style="font-family: arial, helvetica, sans-serif;">DOWNLOAD LEADER NOW</span> </span></a></p>
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<p style="line-height: 14.25pt;"><span style="font-size: 10pt;"><span style="color: #58595b;">Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Affiliates are separately responsible for their own financial and contractual obligations.<br><br><o:p></o:p></span><span style="color: #58595b;">This email and its attachments may collect your personal information to improve Lincoln’s products or to provide you with services related to its products. For more information, please see our <span style="text-decoration: underline;"><a href="https://lincolnfinancial.dmplocal.com/main/index.php?action=t&id=125056&contact_uuid=3d07090d-db03-4f13-8437-ddc9df615684&ecl_id=32454667">privacy policy</a></span>.<br> <br></span><span style="color: #58595b; font-family: verdana, geneva;">Lincoln fixed, fixed indexed and income annuities are issued by The Lincoln National Life Insurance Company (Lincoln), Fort Wayne, IN. <strong>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.</strong><o:p></o:p></span></span></p><br><p style="line-height: 14.25pt;"><span style="font-size: 10.5pt; color: #58595b;"><span style="font-family: verdana, geneva; font-size: 10pt;">Contracts sold in New York are issued by Lincoln Life & Annuity Company of New York (Lincoln), Syracuse, NY. <strong>The contractual obligations are subject to the claims-paying ability of Lincoln Life & Annuity Company of New York.</strong></span><o:p></o:p></span></p>
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<p style="text-align: left; margin: 0px;"><strong>For financial professional use only. Not for use with the public.</strong></p>
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<p style="text-align: left; margin: 0px;"><span style="font-size: 14px; line-height: 19px;">LCN-6213728-011124 </span></p>
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<p style="text-align: left; margin: 0px;"><span style="font-size: 14px; line-height: 19px;">©2024 Lincoln National Corporation</span></p>
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<p style="text-align: left; margin: 0px;"><span style="font-size: 14px; line-height: 19px;">Lincoln Financial Group</span></p>
<p style="text-align: left; margin: 0px;"><span style="font-size: 14px; line-height: 19px;">150 N. Radnor-Chester Road</span></p>
<p style="text-align: left; margin: 0px;"><span style="font-size: 14px; line-height: 19px;">Radnor, PA 19087</span></p>
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