Multi Year Guaranteed Annuity Rates April 1, 2016

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1 Multi Year Guaranteed Annuity Rates April 1, 2016 Company Product Guar Period Rate <250k Rate 250K+ Issue Age Bands Commission Guggenheim Preserve % 2.00% % % % Guggenheim Preserve % 2.10% % % % Guggenheim Preserve % 2.60% % Sentinel Personal Choice % 3.10% % % Oxford (A-) Multi Select % 2.00% % (20K +350K) % Oxford Multi Select % 2.40% % % Oxford Multi Select % 2.65% % % Oxford Multi Select % 2.80% % % Oxford Multi Select % 2.90% % % Oxford Multi Select % 3.00% % % Oxford Multi Select % 3.05% % % Oxford Multi Select % 3.10% % % Sentinel Personal Choice % 3.25% % % Guggenheim Preserve % 2.70% % Guggenheim Preserve % 2.80% % Guggenheim Preserve % 2.90% % Guggenheim Preserve % 3.00% %

2 Multi Year Guaranteed Annuity Rates April 1, 2016 Company Product Guar Period Rate <250k Rate 250K+ Issue Age Bands Commission Sentinel Personal Choice % 3.40% % % Guggenheim Preserve % 3.10% % % % AIG American Pathway 5 5 (GROP) 1.65% 1.85% % % AIG 5 yr (NON-GROP) 2.00% 2.10% % % AIG American Pathway 7 7 yr (GROP) 2.05% 2.25% % % 7 yr (NON-GROP) 2.20% 2.40% 0-90% % *More information contact Sybil Price@ or sybilprice@saversmarketing.com %

3 Lincoln fixed annuity rates indexed annuities effective for applications received on or after 4/1/16 New Directions 6 (six-year fixed interest rate guarantee period) New Directions 8 (eight-year fixed interest rate guarantee period) Interest Rate Specified Rate 2-Year Pointto-Point Cap 2 < $100K 1.85% 3.15% 7.40% $100K 2.00% 3.40% 8.10% < $100K 2.00% 3.40% 8.10% $100K 2.10% 3.55% 8.55% Interest Rate 1-Year Volatility controlled Point-to-Point Spread specified rate 1-Year Pointto-Point Cap OptiBlend 7 < $100K 1.85% 2.50% 3.15% 3.35% $100K 2.00% 2.15% 3.40% 3.65% OptiBlend 10 < $100K 2.00% 2.00% 3.40% 3.65% $100K 2.15% 1.75% 3.65% 4.00% Interest Rate Specified Rate 1-Year Monthly Cap 1-Year Indexed Interest Spread OptiChoice 5 < $100K 1.60% 2.70% 1.50% 6.10% $100K 1.75% 3.00% 1.55% 5.65% OptiChoice 7 < $100K 1.75% 3.00% 1.55% 5.65% $100K 1.90% 3.20% 1.65% 5.25% OptiChoice 9 < $100K 1.85% 3.15% 1.60% 5.35% $100K 2.00% 3.40% 1.75% 5.10% Bonus interest rate Specified Rate 1 2-Year Pointto-Point Cap 2-Year Monthly Cap OptiPoint 8 < $100K $100K 2.00% (yrs. 1 3) 3.00% (yrs. 1 3) 1.50% 2.55% 5.90% 2.20% OptiPoint 10 < $100K $100K 3.00% (yrs. 1 4) 4.00% (yrs. 1 4) 1.50% 2.55% 5.90% 2.20% Please Note: Arrows indicate a change from last month. Rate lock procedures vary by product line and transaction type. Please refer to the product specific rate lock guidelines for complete details Insurance products issued by: The Lincoln National Life Insurance Company For agent or broker use only. Not for use with the public. Page 1 of 2

4 annuities effective 4/1/16 Long-Term Care (seven-year interest rate guarantee period) All applicable premiums Initial interest rate 1.15% MYGuarantee Plus (Interest rates are guaranteed for the entire period 8 ) Guarantee period 7 5 years 6 years 7 years 8 years 9 years 10 years < $100K 1.30% 1.60% 1.75% 1.75% 1.85% 1.90% $100K 1.45% 1.75% 1.90% 1.90% 2.00% 2.05% Please Note: Arrows indicate a change from last month. Rate lock procedures vary by product line and transaction type. Please refer to the product specific rate lock guidelines for complete details. Important information regarding rate holds for 1035 Exchanges and qualified trustee-to-trustee transfers Form ACORD 951 must be completed and submitted in order to be eligible for a rate hold on fixed indexed annuity rates for 1035 exchanges and qualified trustee-to-trustee transfers. Contact your representative for more information. Not a deposit Not FDIC-insured Not insured by any federal government agency Not guaranteed by any bank or savings association May go down in value 2016 Lincoln National Corporation LincolnFinancial.com Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. LCN [4/1/16] PDF 3/16 Z01 Order code: FA-FA-RST006 1 Specified Rate for the initial one-year indexed term. This account is not available in WA. 2 Indexed Interest Cap for the initial two-year indexed term 3 Monthly Indexed Cap for the initial one-year indexed term 4 Indexed Interest Spread for the initial one-year indexed term 5 Credited to paid premium received during indicated years 6 Monthly Indexed Cap for the initial two-year indexed term 7 All guarantee periods may not be available at the same time. 8 Interest rates for subsequent guarantee periods may be higher or lower and may differ from those used for new contracts or for contracts issued at different times NOTE: Indexed Annuities are only issued on the 1st, 8th, 15th, and 22nd of each month. Applicable rates are determined by the date the policy (also known as contract) is issued. A policy will be issued on the issue date following receipt of the completed paperwork including premium and appropriate licensing and contracting information at the home office. Interest is not credited between the date premium is received and the date the policy is issued. Lincoln Financial Group affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Please consult an independent advisor as to any tax, accounting, or legal statements made herein. All interest rates are expressed as annual effective interest rates, except for indexed interest since it is credited at the end of an indexed term. Rates are subject to change without prior notice. All products are not available in all states or firms. Check with your firm for approved product. Lincoln OptiChoice SM flexible premium deferred annuity (contract form ), Lincoln OptiPoint flexible premium deferred annuity (contract form ), Lincoln New Directions SM single premium deferred annuity (contract form ), Lincoln MYGuarantee SM Plus fixed annuity (contract form MY), and state variations are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN (fixed indexed annuities may be referred to as equity indexed annuity in certain states). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contract may be referred to as certificate in certain states. The contract may be subject to a Market Value Adjustment. The certificate is a group annuity certificate issued under a group annuity contract issued by The Lincoln National Life Insurance Company to a group annuity trust. Contractual obligations are subject to the claims-paying ability of The Lincoln National Life Insurance Company. Lincoln Long-Term Care SM Annuity (Contract Form , or state variation) with Long-Term Care Benefits Rider (Form AE- 227, or state variation), Long-Term Care Coverage Endorsement (Form AE-235, or state variation) and Contract Amendment for Long Term Care Benefits (Form AE-236, or state variation) are issued by The LincolnNational Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker/dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Products and features subject to state availability. For agent or broker use only. Not for use with the public. Page 2 of 2

5 EquiTrust Annuity All Product Summary 3/3/2016 Simple Series Index Annuities Index Annuities Bonus Account Options MarketTwelve Bonus Index MarketPower Bonus Index 10% of premiums year 1 MarketBooster Index MarketTen Bonus Index Builder Bonus Index CT, DE, MN, NV, OK, OR, TX, UT & WA Only MarketValue Index Income Benefit Rider Income For Life (Optional Rider) Available on all Simple Series annuities 12% Total 6% of premiums year 1; 2% of AV years 2, 3, 4 7% Total 4% of premiums years 1-5; 2% of AV year 2 1% of AV year 3 6% of premiums years 1-5 6% of premium year 1 Description 6% Compounded accumulation for up to 10 years on the Benefit Base Surrender Charges s Riders 1-Year Interest 1.00% 1st Year Only 1-Year Pt-to-Pt Cap 2.25% 14 Years 1-Year Daily Avg Cap 2.50% 20,20,19,19,18,17,16, 0-75 $30,000 NQ/Q 1-Year Monthly Avg Part 30.00% 14,12,10,8,6,4,2% 1-Year Monthly Cap 1.15% $1 Million 1 2-Year Monthly Avg Cap 5.00% 1-Year Interest 1.20% 1st Year Only 1-Year Pt-to-Pt Cap 2.75% 14 Years 3 1-Year Daily Avg Cap 3.00% 1-Year Monthly Avg Part 3 20,20,19,19,18,17,16, 0-75 $20,000 NQ/Q 35.00% 14,12,10,8,6,4,2% 1-Year Monthly Cap % 2-Year Monthly Avg Cap 7.00% 1-Year Interest 1.00% Flexible 1-Year Pt-to-Pt Cap 3.00% 1-Year Daily Avg Cap 3.25% Year Monthly Avg Part 35.00% 1-Year Monthly Cap 1.25% 1-Year Interest 1.00% Flexible 1-Year Pt-to-Pt Cap 2.50% 10 Years 1-Year Daily Avg Cap 2.75% 10,10,10,10,10, 0-80 $30,000 NQ/Q 1-Year Monthly Avg Part % 9,8,7,6,4% 1-Year Monthly Cap % 2-Year Monthly Avg Cap 6.00% 1-Year Interest 1.00% Flexible 1-Year Pt-to-Pt Cap 2.50% 9 Years 1-Year Daily Avg Cap 2.75% 9,8,7,6.5,5.5,4.5, 0-80 $30,000 NQ/Q 1-Year Monthly Avg Part % 3.5,2.5,1.5% 1-Year Monthly Cap % 2-Year Monthly Avg Cap 6.00% 1-Year Interest 2.25% Flexible 1-Year Pt-to-Pt Cap 4.50% 1-Year Monthly Avg Cap 5.00% 1-Year Monthly Avg Part % 1-Year Monthly Cap % 2-Year Monthly Avg Cap 14.00% Income Withdrawals Lifetime income based on the greater of the Benefit Base or the Accumulation Value, multiplied by the Income Withdrawal Percentage Withdrawal Availability May begin anytime after 2nd contract year and age 50 9 Years ,17.5,17.5, ,13,10,8,6% 3 10 Years 12,12,12,12,11, 10,8,6,4,2% Issue Requirements Owner & annuitant must be same person to elect unless owner is non-natural All Issue $10,000 NQ/$2,000 Q Income Withdrawal Percentage 4.75% at Age 65 for Single Life See Income For Life Agent Guide (ET-IBR-1102) for additional Income Withdrawal Percentages Return of, Return of, Rider Charge Annual Fee of 0.75% of the Accumulation Value Strategic Series Index Annuities Index Annuities Bonus Account Options DynaMARC Index TM Index information: Ticker symbol: GSDYNMO5 Income Benefit Rider Description Surrender Charges s Riders 1-Year Interest 2.25% Flexible 1-Year Pt-to-Pt Part (Dynamo) 75.00% 2-Year Pt-to-Pt Part (Dynamo) % 1-Year Pt-to-Pt Cap 4.25% 1-Year Monthly Cap 1.80% Income Withdrawals Withdrawal Availability 10 Years 3 10, 10,10, 10, 10, 9, 8, 7, 6, 4% Issue Requirements 0-80 Income Withdrawal Percentage Strategic Income Option, Nursing Home Rider Charge Strategic Income Option (Optional Rider) Available on DynaMARC Index Annuity 4.00% plus weighted average index/ interest credits, for up to 10 years; 10% benefit base bonus on all first-year premiums Lifetime income based on the Benefit Base, multiplied by the Income Withdrawal Percentage May begin anytime after 1st contract year and age 50 Owner & annuitant must be same person to elect unless owner is non-natural % at Age 65 for Single Life See Strategic Income Option Agent Guide (ET-SIO-1102) for additional Income Withdrawal Percentages Annual Fee of 0.95% of the Accumulation Value Guaranteed Rates for Index Annuities: 1-Yr Int Acct: 1.00%; 1-Yr Pt-to-Pt Cap: 1.00%; 1-Yr Avg Cap: 1.00%; 1-Yr Mo Avg Part: 10.00%; 1-Yr Mo Cap: 0.50%; 2-Yr Mo Avg Cap: 3.00%; 1-Yr Pt-to-Pt Part: 10%; 2-Yr Pt-to-Pt Part: 20% Free Withdrawals on Index Annuities: Interest only 1st contract year, 10% of Account Value years 2+ Sales Support: Agent Website: Agents.EquiTrust.com For Producer Use Only

6 Annuities 3/3/2016 Multi-Year Guarantee Annuities Guarantee Period s Surrender Charges Free Withdrawals Death Benefit Certainty Select Years 5 Years 6 Years 8 Years 10 Years 1.80% Single 2.50% 2.65% 2.85% 3.00% 10,10,9% 3 10,10,9,9,8% 3 10,10,9,9,8,8% 3 10,10,9,9,8,8,7,7% 3 10,10,9,9,8,8,7,7,6,5% 3 Cumulative Interest Beginning Immediately Full Accumulation Value Traditional Annuity Bonus Year 1 s MVA Surrender Charges Free Withdrawals (Base Contract) (MVA) (Liquidity) (Liquidity + MVA) st Year Only None 2.50% None 1.50% None 2.50% 2.10% 1.50% 2.10% $ 1 Million1 Yes None Yes 9 Years 12,11,10,9,8,7,6,4,2% 9 Years 12,11,10,9,8,7,6,4,2% 6 Years 12,11,10,9,8,7% 6 Years 12,11,10,9,8,7% Prior 12 months interest Prior 12 months interest Interest only on 1st contract year, 2 10% of Account Value years 2+ Interest only on 1st contract year, 2 10% of Account Value years 2+ Single Immediate Annuity Confidence Income Annuity Annuity $100,000 Options 5-Year Period 0-90 Period 10-Year Period Year Period Years 20-Year Period Single Life Only - Male & Joint Life Life Only - Female 65 Joint Life - M65 / F65 Monthly Payment Payment Payment Modes s $1, Single $ Monthly $ Quarterly $ $100 $30,000 NQ/Q Semi-Annually $ Annually $ $ Additional Notes Payments may vary in states with Tax: CA, ME, NV, SD, WV, WY Life payments may vary by qualified type 1 cumulative premium for all products is $1,000,000, including any inforce life policies or annuity contracts. Higher amounts require Home Office approval. 2 By Current Company Practice 3 May vary by state and/or issue age Guaranteed Contract Value for all Index Annuities except MarketTen Bonus & DynaMARC: 87.5% of premium minus withdrawals, accumulated at the Guaranteed Contract Rate (2% for 2015 contracts). Guaranteed Contract Value for MarketTen Bonus & DynaMARC: 100% of premium minus withdrawals, accumulated at the Guaranteed Contract rate (1% for 2015 contracts), less surrender charges. Guaranteed Contract Value for ChoiceFour: 100% of premium minus withdrawals, accumulated at the Guaranteed Contract rate (2% for 2015 contracts), less surrender charges. Sales Support: Agent Website: Agents.EquiTrust.com For Producer Use Only