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Investor Agreement and Disclosure Handbook

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Investor Agreement and Disclosure Handbook Investor Agreement and Disclosure Handbook This document is intended to provide you, the investor, with important information regarding your agreement to terms and policies established between you and the Lincoln Investment Companies, as well as those disclosures required to be delivered by our regulatory authorities. Please read this information carefully as it pertains to your current investments, and may also be relevant to future investments. Retain this document for your records. If you have any questions regarding the information found within this document, please contact your financial professional. Information contained in this guide supersedes prior disclosures or Handbooks you may have received. CONTENTS TERMS AND CONDITIONS PRE-DISPUTE ARBITRATION AGREEMENTS ....................................................................................................................................... I CUSTOMERS OF FINANCIAL INSTITUTIONS ..................................................................................................................................... II NATURE OF THE RELATIONSHIP ....................................................................................................................................................... III CONSENT TO ELECTRONIC DELIVERY ............................................................................................................................................. IV ERROR NOTIFICATION & CORRECTION POLICY ............................................................................................................................... V ANTI-MONEY LAUNDERING ............................................................................................................................................................. VI FUND CLOSINGS/FUND REPLACEMENTS ...................................................................................................................................... VII ADMINISTRATIVE FEES FOR SALARY DEFERRAL........................................................................................................................... VIII OTHER FEES AND EXPENSES ........................................................................................................................................................... IX COMPLAINTS .....................................................................................................................................................................................X ACCOUNT RESTRICTIONS ................................................................................................................................................................XI PERSHING ........................................................................................................................................................................................XII LIMITATION OF LIABILITY; WAIVERS .............................................................................................................................................. XIII DISCLOSURES PRIVACY POLICY ................................................................................................................................................................................ I BUSINESS CONTINUITY PLANNING .................................................................................................................................................. II FINRA BROKERCHECK PROGRAM/SEC INVESTMENT ADVISER PUBLIC DISCLOSURE ................................................................. III SIPC INFORMATION ..........................................................................................................................................................................IV MSRB INFORMATION .........................................................................................................................................................................V OTHER COMPENSATION & CONFLICTS OF INTEREST .................................................................................................................... VI ACCOUNT TYPES .............................................................................................................................................................................VII ACCOUNT INVESTMENT OBJECTIVE ............................................................................................................................................. VIII ACCOUNT RISK TOLERANCE ............................................................................................................................................................IX TAX AND LEGAL ADVICE ...................................................................................................................................................................X CHECK HANDLING ............................................................................................................................................................................XI SALES OF SECURITIES ON MILITARY INSTALLATIONS TO MEMBERS OF THE U.S. ARMED FORCES .................................................................................................................................. XII TRUSTED CONTACT PERSON ......................................................................................................................................................... XIII EDUCATION RISKS ASSOCIATED WITH INVESTING ............................................................................................................................................... I IMPACT OF COST ON PERFORMANCE .............................................................................................................................................. II DOLLAR COST AVERAGING .............................................................................................................................................................. III DIVERSIFICATION .............................................................................................................................................................................IV MUTUAL FUNDS ................................................................................................................................................................................V TREASURY BILLS/NOTES ..................................................................................................................................................................VI MUNICIPAL BONDS .........................................................................................................................................................................VII BOND FUNDS ..................................................................................................................................................................................VIII SMALL AND MID-CAP FUNDS ......................................................................................................................................................... IX SECTOR FUNDS .................................................................................................................................................................................X EXCHANGE TRADED FUNDS ............................................................................................................................................................XI INTERNATIONAL INVESTING ............................................................................................................................................................ XII MONEY MARKET FUNDS ................................................................................................................................................................ XIII 529 EDUCATION SAVINGS PLANS ..................................................................................................................................................XIV VARIABLE ANNUITIES ......................................................................................................................................................................XV EQUITY INDEXED ANNUITIES .........................................................................................................................................................XVI FIXED ANNUITIES ..........................................................................................................................................................................XVII ILLIQUID ALTERNATIVE INVESTMENTS ........................................................................................................................................XVIII OPTIONS .........................................................................................................................................................................................XIX UNIT INVESTMENT TRUSTS (UITS) .................................................................................................................................................XX THINGS TO CONSIDER BEFORE CONSENTING TO AN IRA ROLLOVER2 ..........................................................................................XXI The following outlines various terms and conditions of opening and maintaining an account or engaging investment advi- sory services, provides disclosures and offers a general education that is designed to help you, the investor, understand the products and services available
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