Our Commitment to Privacy

Lincoln Financial Group General Privacy Policy
Lincoln Financial Group Internet Privacy Policy

LINCOLN FINANCIAL GROUP® PRIVACY PRACTICES NOTICE

We are committed to protecting the privacy of our potential, current and former customers. To provide the products and services you request, we must collect personal information about you. We do not sell your personal information to third parties. We collect your personal information and share it 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. You do not need to take any action because of this notice.

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 to 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 or request information on our products, you give us information such as your name, address, Social Security number; and your financial, 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 from other individuals or businesses, such as medical information.
• Information from your employer: In connection with administering your group insurance or retirement plan, we may obtain information about you from your employer.

HOW WE USE YOUR PERSONAL INFORMATION

We do not disclose nonpublic personal information about our potential, current and former customers unless allowed or required by law. We may share your personal information within our companies and with certain service providers. 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 find useful. Our service providers may or may not be affiliated with us. They include financial service providers (for example, third party administrators; broker-dealers; insurance agents and brokers, registered representatives; reinsurers; and other financial services companies with whom we have joint marketing agreements). Our service providers also include non-financial companies and individuals (for example, consultants; information services vendors; and companies that perform mailing or marketing services on our behalf). Information obtained 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.

When you apply for certain of our products, we may share information about your application with credit bureaus. We also may provide information to group policy owners, regulatory authorities and law enforcement officials and to others when we believe in good faith that the law requires disclosure. In the event of a sale of all or part of our businesses, we may share customer information as part of the sale. We do not sell or share your information with outside marketers who may want to offer you their own products and services; nor do we share information we receive about you from a consumer reporting agency. You do not need to take any action for this benefit.

SECURITY OF INFORMATION

Keeping your information safe is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards to protect your information. Our employees are authorized to access your information only when they need it to provide you with products and services or to maintain your accounts. Employees who have access to your personal information are required to keep it strictly confidential. We provide training to our employees about the importance of protecting the privacy of your information.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.

INTERNET PRIVACY POLICY

Delaware Investments takes very seriously your desire to protect the privacy of your personal and financial information. Personal information that is solicited from you in order to create and maintain your account or to download or otherwise send you investment literature is used primarily to service your account and to provide you with information on our products and services.

We only collect personal information through our web site from customers who wish to subscribe to our Account Access service (including Delaware eDelivery).

If you wish to view your account information and perform account transactions over the Internet, you must provide us with your Social Security number or Tax Identification number, your account number and a Personal Identification Number (PIN) of your choice in order to register for our Account Access service. You may change your PIN at any time by clicking on the Change PIN button on the Account Access opening page or on the Account Balance page. After you are registered for Account Access, we collect information on the account transactions that you authorize.

You may view and change the address for selected accounts using Account Access by clicking the Change Address button at the bottom of the account portfolio page, selecting the account(s) for which you wish to change the address, and providing the new address in the fields provided.

You may also review and change your distribution options for selected accounts using Account Access. Choose the account for which you wish to review or change distribution options by clicking on the Transactions button, then clicking on the Change Distribution Options button on the account position page. After reviewing your current distribution options you may change them by clicking Cash or Reinvest. If you choose to receive your distributions in cash, you may specify whether to send them to your address of record or to a bank where you have instructions on file.

If you wish to receive your account statements and/or compliance materials (e.g. prospectuses and shareholder reports) electronically, you must provide us with your e-mail address and your electronic delivery options in order to register for Delaware eDelivery. You may view and change your e-mail address and electronic delivery options at any time by clicking the eDelivery Options button on the Your Portfolio page.

For more information, click on the Shareholder Account Access Help button or contact our Shareholder Service Center at 800 523-1918.

We use the personal information you provide us through our website and may provide it to others to process your requests and transactions, to fulfill legal and regulatory requirements, to perform services on your behalf and to provide you with information about the products and services offered by us and our affiliates. We do not disclose personal information about our potential, current and former customers unless permitted or required by law.

We may disclosure the personal information you provide us through our website to other companies when necessary to process transactions for you and to service your account. We may also disclosure this information to companies that provide administrative and other services on our behalf, such as financial printers and information services vendors. The companies described in this paragraph are only authorized to use your personal information for the limited purposes for which we have hired them — they are not permitted to use this information for any other purpose.

For all applications where personal and/or account information transits the Internet, we use current technologies for secure communications between your PC and our computer facility. Where applicable, we use account identification and passwords to help protect your accounts. The technologies known as Secure Sockets Layer Protocol (SSL) and Digital Certificates are combined to encrypt the information that transits the internet and to verify to you that your computer is connected to the Delaware Investments computer facility and not to an imposter. Delaware Investments supports 128 bit encryption. Netscape's version 4.61 and higher, Microsoft Internet Explorer version 5.01and higher and AOL 5.0 and higher will all use 128 bit encryption.

Delaware Investments highly recommends that you do not store your logon information or password on any computer that you use to access your account(s) and that you do not provide that information to any other person. If another person were to obtain that information they would inherit the Internet privileges that you now have with your account(s). Your security depends on your practices as well as ours.

Our web site will send cookies to your computer. This is a small piece of information about the current Internet session that may be created when accessing our web site. It is used for session control and page referral purposes only.

Delaware Investments uses pixels, or transparent GIF files, to help manage online advertising. These GIF files are provided by our ad management partner, DoubleClick. These files enable DoubleClick to recognize a unique cookie on your Web browser, which in turn enables us to learn which advertisements bring users to our website. The cookie was placed by us, or by another advertiser who works with DoubleClick. With both cookies and Spotlight technology, the information that we collect and share is anonymous and not personally identifiable. It does not contain your name, address, telephone number, or email address. For more information about DoubleClick, including information about how to opt out of these technologies, go to www.doubleclick.net.

Delaware Investments reserves the right to change this Internet Privacy Policy at any time without any advance notice. Material changes to this Internet Privacy Policy will be posted on this website. We advise you to review this policy for changes periodically.

Delaware Investments reserves the right to terminate Internet services for any account in which it is determined that there is suspicious activity. This would be done after notification to and verification with you.

Effective Date
The effective date of this Internet Privacy Policy is March, 2008.

This Privacy Notice is being provided on behalf of the following entities:

Delaware Asset Advisers
Delaware Capital Management
Delaware Distributors, L.P.
Delaware Investment Advisers
Delaware Investments Family of Funds
Delaware Group Adviser Funds
Delaware Group Cash Reserve
Delaware Group Equity Funds I
Delaware Group Equity Funds II
Delaware Group Equity Funds III
Delaware Group Equity Funds IV
Delaware Group Equity Funds V
Delaware Group Foundation Funds
Delaware Group Global and International Funds
Delaware Group Government Fund
Delaware Group Income Funds
Delaware Group Limited-Term Government Funds
Delaware Group State Tax-Free Income Trust
Delaware Group Tax-Free Fund
Delaware Group Tax-Free Money Fund
Delaware Investments Arizona Municipal Income Fund, Inc.
Delaware Investments Colorado Municipal Income Fund, Inc.
Delaware Investments Dividend and Income Fund, Inc.
Delaware Investments Enhanced Global Dividend and Income Fund
Delaware Investments Global Dividend and Income Fund, Inc.
Delaware Investments Global Funds plc
Delaware Investments Minnesota Municipal Income Fund II, Inc.
Delaware Investments National Municipal Income Fund
Delaware Pooled Trust
Delaware VIP Trust
Voyageur Insured Funds
Voyageur Intermediate Tax-Free Funds
Voyageur Mutual Funds
Voyageur Mutual Funds II
Voyageur Mutual Funds III
Voyageur Tax-Free Funds
Delaware Lincoln Cash Management
Delaware Management Company
Delaware Management Trust Company
Delaware Service Company, Inc.
Optimum Fund Trust
Retirement Financial Services, Inc.