| • | The merger announcement means that we will be joining forces with Lincoln Financial to build a larger, more dynamic organization. We will become a more powerful leader in the insurance and financial services industry than we are today. | |
| • | The merged company will operate under the Lincoln Financial Group brand name. | |
| • | Our commitment to the policyholders of both companies remains unchanged. | |
| • | You do not need to take any action or have any concerns about your policy. We also don’t expect your agent of record/distribution contact to change. | |
| • | We will continue to operate as two independent companies until the close of the transaction. The closing is expected around March 31, 2006. | |
| • | After the necessary regulatory permissions are granted, you may receive periodic communications from us. | |
| • | If you have additional questions, you can visit the following merger Web site for more information: http://www.lfgjpmerger.com/. | |
| • | Media inquiries — If the media contacts you for information, please refer all inquiries to Paul Mason in Corporate Affairs at (336) 691-3313. |