Effective July 1, 2025, through December 31, 2025

Lincoln is pleased to offer a 10% Fixed Account enhanced current interest rate on Lincoln MoneyGuard Market Advantage® to help with short-term returns while the client transfers funds into variable investment options using a 12-month Dollar-Cost Averaging (DCA) program. This annual effective rate is paid on the declining balance in the Fixed Account. These fixed rates do not reflect performance of the variable investment options selected by the client.