©2007 Lincoln National Corporation LFD0705-1400 EMFW-0019-07 Order code: EM-FLY-DIR-ENROLL-PPT 1 You Can Fly Save in your retirement plan with the Lincoln.

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Presentation transcript:

©2007 Lincoln National Corporation LFD EMFW Order code: EM-FLY-DIR-ENROLL-PPT 1 You Can Fly Save in your retirement plan with the Lincoln Director SM group variable annuity TAKAGI INDUSTRIAL CO. U.S.A., INC. 401(K) PROFIT SHARING PLAN

2 As of 12/31/2006. Marketing name for Lincoln National Corporation and its affiliates. *VARDS – ranked by 2005 sales **Pension and Investments, November 2005 – Public life insurers ranked by assets Lincoln Financial Group Flagship company established in 1905 The Lincoln National Life Insurance Company Fortune 500 company, NYSE: LNC Assets under management in excess of $234 billion Ranks among the industry leaders 5th variable annuity sales* 7th employer sponsored annuities** Leader in 401(k) retirement plans Over 10,000 organizations

3 “The Cost of Neglecting Your 401(k),”Uncommonwealth.com SM, September 28, The 2006 Retirement Confidence Survey, Employee Benefit Research Institute, April The 2005 Lincoln Long Life SM Survey, The Lincoln Retirement SM Institute, October “Retirement Roulette,” Registered Representative, July Put Your Future First Bottom line: Devote more time to planning your future. Average length of vacation: 1 to 2 weeks August Average time annually spent planning for vacation: 4 hours or more Average length of retirement: 10, 20, or 30 years August 2017 August 2027 August 2037 Average time annually spent planning for retirement: 1 hour or less

4 You can fly! Saving gives wings to your work Decide to save Decide how much to save Decide where to save Enroll in your plan

Lincoln Financial Group asked: “What do you value most in retirement?” Nine out of 10 answered: “Being independent.” “Seniors Cite Independence as Key to Happiness in Retirement,” Lincoln Long Life SM Survey, October 2004.

6 Reasons to Save You save consistently You receive an immediate tax break You harness the power of tax deferral Decide to save

7 You Save Consistently Bottom line: The sooner you start saving, the better. Don’t let another payday fly by! Assumptions: $200 a month saved in retirement plan 6% annual rate of return This is a hypothetical illustration and is not indicative of any product or performance and does not reflect any taxes due upon distribution. Investment options are subject to market risk. Age Retirement plan balance at age 65 $383,393 $359,354 $195,851 $182,428 $91,129 $ 83,634 Cost of waiting one year $24,039 $13,423 $7,496 Decide to save

8 You Receive an Immediate Tax Break Bottom line: You may be retired for decades. This is a hypothetical example. Taxes on retirement plan assets will be due upon distribution and if taken before age 59½ may be subject to an additional 10% federal tax penalty. Contribution Rate Take-home pay (25% tax rate) Retirement plan contribution Net difference in take-home pay 0% $1,125 $0 2% $1,103 $30 $23 4% $1,089 $60 $45 6% $1,058 $90 $68 8% $1,035 $120 $90 10% $1,013 $150 $113 Assuming a $1,500 biweekly salary: Decide to save

9 You Harness the Power of Tax Deferral This is a hypothetical example. It is not indicative of any product or performance and does not reflect any expense associated with investing. Taxes will be due upon distribution of the tax deferred amount, and if shown, results would be lower. Actual investment results will fluctuate with market conditions, so that the amount withdrawn may be worth more or less than the original amount invested. End of year 10 $22,653 End of year 15 End of year 20 Bottom line: Tax deferral can help your money work harder for you. $33,653 $57,662 $38,315 $57,833 $91,129 Without tax deferral With tax deferral Assumptions: $200 monthly contribution 6% interest 25% tax bracket Decide to save

10 This is a hypothetical example for planning purposes only. Note: Does not include other sources of retirement savings/income. Does not factor any interest paid on retirement savings. $25,000 salary $35,000 salary $45,000 salary Decide how much to save Assuming: 75% of annual salary for 25 years at 3% inflation. Salary illustrated is at retirement. How much should you save? Need

11 Three Fundamentals of Smart Investing Outpace inflation Know your options Diversify your portfolio Decide where to save

12 Know Your Options Understand your plan’s investment options Stocks Bonds Cash equivalents Understand the Lincoln VIP Profile funds Determine your investor profile Understand your retirement plans benefits in the Lincoln Director SM group variable annuity Decide where to save

13 The Pyramid of Investment Risk Decide where to save Cash/stable value Bonds Balanced (Stocks/Bonds) Stocks More risk, higher potential return Less risk, lower potential return

14 Create Your Portfolio Review the fund sheets included in your enrollment book Consider the investment objectives, risks, charges and expenses carefully before investing Decide where to save

15 Choose from names you know and trust Decide where to save

16 These model portfolios are illustrations only and are not intended as investment advice or recommendations for any individuals. The models have been developed as general examples for investors risk profiles and utilize program investment options. The final decision on investment choices is the participant's Lincoln VIP Profile funds Time-based Moderate Conservative Moderately ConservativeAggressive Moderately Aggressive Decide where to save

17 You are eligible to join after 6 months of service. Entry Dates: March 1 st or September 1 st after you meet the eligibility requirements To enroll: 1. Request an enrollment kit from your Human Resources. 2. Fill out and return the enrollment form, investment selection form and beneficiary form to your Human Resources. Enroll in Your Plan

18 Understand Your Plan’s Benefits Employer contributions Employer matching contribution The company may make discretionary Profit Sharing and/or matching up to the first 6% of your contribution You must be an active employee as of the end of Plan Year and have worked at least 1000 hours during the Plan Year. Vesting Schedule: 2 year = 20%5 years= 80% 3 years= 40%6 years=100% 4 years= 60% Decide where to save

19 This material was prepared to support the promotion and marketing of a variable annuity product. Lincoln Financial Group ® affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used for the purpose of avoiding U.S. federal, state, or local tax penalties. Please consult your own independent advisor as to any tax, accounting, or legal statements made herein. CA Senate Bill 620: This presentation may not be used with California residents age 65 and older. Lincoln Director SM is a group variable annuity contract issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, on policy form #19476 (and variations thereof) and offered by broker/dealers with selling agreements. The Lincoln National Life Insurance Company is not authorized, and does not solicit business in the State of New York. For residents of New York, Lincoln Director SM group variable annuity contract is issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, on policy form #19476NY-A 7/04 and offered by broker/dealers with selling agreements. A group variable annuity is a long-term investment product designed particularly for retirement purposes. Variable annuities contain both investment and insurance components, and have fees and charges, including mortality and expense, administrative, and advisory fees. Optional guarantee features are available for an additional charge and are based on the financial strength of the insurer. The annuity’s value fluctuates with the market value of the underlying investment options and all assets accumulate tax-deferred. Securities distributed by Lincoln Financial Distributors, Inc. 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. Lincoln Financial Group 1300 South Clinton Street Fort Wayne, IN ©2007 Lincoln National Corporation LFD EMFW Order code: EM-FLY-LALR-ENROLL-PPT Take control of your future! To change investment option or check your balance, please call (800) Or login to Lincoln’s website.