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1 ©2021 Lincoln National Corporation ©2021 Lincoln National CorporationThis document may not be accurate after its date, and LNC does not undertake to update or keep it accurate after such date.Al Copersino VP, Investor Relations 203-257-4493 Albert.Copersino@LFG.comInvestor pres
1 ©2021 Lincoln National Corporation
©2021 Lincoln National CorporationThis document may not be accurate after its date, and LNC does
not undertake to update or keep it accurate after such date.Al Copersino
VP, Investor Relations
Albert.Copersino@LFG.comInvestor
May 18, 2021 2 ©2021 Lincoln National CorporationForward looking statements –cautionary language
Certain statements made in this presentation and in other written or oral statements made by Lincoln or on Lincoln's behalf a re "forward -looking statements" within the meaning of the Private
Securities Litigation Reform Act of 1995 (“PSLRA”). A forward -looking statement is a statement that is not a historical fact and , without limitation, includes any statement that may predict, forecast,
indicate or imply future results, performance or achievements. Forward -looking statements may contain words like: "anticipate," "believe," "estimate," "expect," "project," "shall," "will," and other
words or phrases with similar meaning in connection with a discussion of future operating or financial performance. In partic ular, these include statements relating to future actions, trends in Lincoln's
businesses, prospective services or products, future performance or financial results, and the outcome of contingencies, such aslegal proceedings. Lincoln claims the protection afforded by the safe
harbor for forward -looking statements provided by the PSLRA.
Forward -looking statements are subject to risks and uncertainties. Actual results could differ materially from those expressed i n or implied by such forward -looking statements due to a variety of
•The continuation of the COVID -19 pandemic, or future outbreaks of COVID -19, and uncertainty surrounding the length and severity of future impacts on the global economy and on our business,
results of operations and financial condition;
•Further deterioration in general economic and business conditions that may affect account values, investment results, guarant eed benefit liabilities, premium levels and claims experience;
•Adverse global capital and credit market conditions that may affect our ability to raise capital, if necessary, and may cause usto realize impairments on investments and certain intangible assets,
including goodwill and the valuation allowance against deferred tax assets, which may reduce future earnings and/or affect ou r financial condition and ability to raise additional capital or refinance
existing debt as it matures;
•The inability of our subsidiaries to pay dividends to the holding company in sufficient amounts, which could harm the holding company’s ability to meet its obligations;
•Legislative, regulatory or tax changes, both domestic and foreign, that affect: the cost of, or demand for, our subsidiaries’ products; the required amount of reserves and/or surplus; our ability to
conduct business and our captive reinsurance arrangements as well as restrictions on the payment of revenue sharing and 12b -1 distribution fees;
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Chuy's Holdings