GB07367 9/13

Lincoln Financial Network is the marketing name for Lincoln Financial Advisors and

Lincoln Financial Securities, both members of FINRA and SIPC.

Lincoln Financial Advisors Corporation® Privacy Practices Notice

Lincoln Financial Securities Corporation® Privacy Practices Notice

Lincoln Financial Advisors Corporation and Lincoln Financial Securities Corporation (both a part of Lincoln Financial Network or

LFN) are committed to protecting your privacy. To provide the products and services you expect from a fi nancial services leader,

we must collect personal information about you. We do not sell your personal information to third parties. We share your

personal information with third parties as necessary to provide you with the products or services you request and to administer

your business with us. This Notice describes our current privacy practices. While your relationship with us continues, we will

update and send our Privacy Practices Notice as required by law. Even after that relationship ends, we will continue to protect

your personal information. This Notice explains our information sharing arrangement and provides information on how to contact

us if you have questions regarding our privacy practices.

INFORMATION WE MAY COLLECT AND USE

We collect personal information about you to help us identify you as our customer or our former customer; to process your

requests and transactions; to offer investment or insurance services to you; to pay your claim; or to tell you about our products

or services we believe you may want and use. The type of personal information we collect depends on the products or services

you request and may include the following:

?? Information from you: When you submit your application or other forms, you give us information such as your

name; address; Social Security number; and your fi nancial; health; and employment history.

?? Information about your transactions: We keep information about your transactions with us, such as the

products you buy from us; the amount you paid for those products; your account balances; and your payment

history.

?? Information from outside our family of companies: If you are purchasing insurance products, we may

collect information from consumer reporting agencies such as your credit history; credit scores; and driving and

employment records. With your authorization, we may also collect information, such as medical information from

other individuals or businesses.

?? Information from your employer: If your employer purchases group products from us, we may obtain

information about you from your employer in order to enroll you in the plan.

HOW WE USE YOUR PERSONAL INFORMATION

We may share your personal information within our companies and with certain service providers as allowed by law. They use

this information to process transactions you have requested; provide customer service; and inform you of products or services we

offer that you may fi nd useful. Our service providers may or may not be affi liated with us. They include fi nancial service providers

(for example, third party administrators; broker-dealers; clearing fi rms; insurance agents and brokers, registered representatives;

reinsurers and other fi nancial services companies with whom we have joint marketing agreements). Our service providers also

include non-fi nancial companies and individuals (for example, consultants; vendors; and companies that perform marketing

services on our behalf). Information we obtain from a report prepared by a service provider may be kept by the service provider

and shared with other persons; however, we require our service providers to protect your personal information and to use or

disclose it only for the work they are performing for us, or as permitted by law.

We reserve the right to change any of our service providers, with or without prior notifi cation to you, depending upon the legal

and regulatory requirements that govern the relationship among us, the service provider and you. Should we decide to change

the clearing fi rm with which we have clearing arrangements for your account(s) with us, the nonpublic personal information

collected by us and the previous clearing fi rm may be provided to the new clearing for so that the new clearing fi rm can continue

to service your account(s) with us. We will notify you of any change in clearing fi rm in advance through a letter describing the

new clearing fi rm arrangements and will provide you with an opportunity to respond.