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ANALYST COVERAGE

FIRM ANALYST PHONE
BANK OF AMERICA — MERRILL LYNCH Seth Weiss 646-855-3783
BARCLAYS CAPITAL Jay Gelb 212-526-1561
CITI INVESTMENT RESEARCH Erik Bass 212-816-5257
CREDIT SUISSE Tom Gallagher 212-538-2010
DEUTSCHE BANK Yaron Kinar 212-250-7927
DOWLING & PARTNERS Ryan Krueger 860-676-8600
EVERCORE PARTNERS Mark Finkelstein 312-445-6440
FBR CAPITAL MARKETS Randy Binner 703-312-1890
GOLDMAN SACHS & COMPANY Christopher Giovanni 212-357-3560
J.P. MORGAN SECURITIES Jimmy Bhullar 212-622-6397
JANNEY CAPITAL MARKETS Bob Glasspiegel 860-724-1203
KEEFE, BRUYETTE & WOODS, INC. Jeff Schuman 860-722-5902
MACQUARIE CAPITAL Sean Dargan 212-231-0663
MORGAN STANLEY Nigel Dally 212-761-4132
RAYMOND JAMES & ASSOCIATES Steven Schwartz 312-612-7686
RBC CAPITAL Eric Berg 212-618-7593
SANDLER O'NEIL & PARTNERS Edward Shields 312-281-3487
SCOTIA CAPITAL Joanne Smith 212-225-5071
STERNE, AGEE & LEACH, INC. John Nadel 212-338-4717
UBS Suneet Kamath 212-713-1355
WELLS FARGO SECURITIES John Hall 212-214-8032

Investor inquiries may be directed to:
Jim Sjoreen, Vice President, Investor Relations
Email: Jim.Sjoreen@LFG.com
Voice: 484-583-1420
Fax: 484-583-3962

Note: This list is provided for informational purposes only. Lincoln Financial Group does not endorse the analyses, conclusions, or recommendations contained in any report issued by these or any other analysts.

** Statistical data will be available immediately after the release of earnings for each quarter through Lincoln National Corporation's Investor Relations website.

Lincoln National Corporation is followed by the analyst(s) listed above. Please note that any opinions, estimates or forecasts regarding Lincoln National Corporation's performance made by these analysts are theirs alone and do not represent opinions, forecasts or predictions of Lincoln National Corporation or its management. Lincoln National Corporation does not by its reference above imply its endorsement of or concurrence with such information, conclusions or recommendations.

Hello future.
Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
and investment advisory services offered through other affiliates. Explore Lincoln.



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