*This is not an offer of securities in any jurisdiction, nor
is it specifically directed to a resident of any jurisdiction with any
security; request a prospectus from your registered representative. Read
it carefully before you invest or send money. An appropriately
licensed representative of Benefit Consultants, Inc. will contact you
to provide you with requested information. Securities offered through
Lincoln Financial Advisors (LFA) member NASD, SIPC. Lincoln Financial
Advisors and Benefit Consultants, Inc. are not affiliated.
