Common use of ALLOCATION OF PURCHASE PAYMENTS TO THE VARIABLE ACCOUNT Clause in Contracts

ALLOCATION OF PURCHASE PAYMENTS TO THE VARIABLE ACCOUNT. Any Purchase Payment to this Contract may be allocated to the Variable Account. Purchase Payments allocated to the Variable Account of the Contract will be credited to the Variable Sub-account(s) made available by LNY and selected by the Owner. The Owner may allocate Purchase Payments to any of the available Variable Sub- accounts subject to the following limitations: a. The minimum amount of a Purchase Payment allocated to any one Variable Sub- account is $20. b. If the Owner elects to allocate any Purchase Payment to a new Variable Sub-account not previously selected, that election must be made to LNY in writing. Purchase Payments allocated to each Variable Sub-account will be invested at net asset value in the shares of one of the Funds. LNY will use each Purchase Payment to buy Accumulation Units in the Variable Sub-account(s) selected by the Owner. The number of Accumulation Units bought will be determined by dividing the amount allocated to a Variable Sub-account by the dollar value of an Accumulation Unit in such Variable Sub-account as of the Valuation Date immediately following receipt of the Purchase Payment at the Servicing Office. The number of Accumulation Units held for an Owner in a Variable Sub-account will not be changed by any change in the dollar value of Accumulation Units in the Variable Sub-account.

ALLOCATION OF PURCHASE PAYMENTS TO THE VARIABLE ACCOUNT. Any Purchase Payment to this Contract may be allocated to the Variable Account. Purchase Payments allocated to the Variable Account of the Contract will be credited to the Variable Sub-account(s) made available by LNY LNL and selected by the Owner. The Owner may allocate Purchase Payments to any of the available Variable Sub- accounts subject to the following limitations: a. The minimum amount of a Purchase Payment allocated to any one Variable Sub- account is $20. b. If the Owner elects to allocate any Purchase Payment to a new Variable Sub-Sub- account not previously selected, that election must be made in writing to LNY LNL or through voice or electronic instructions, provided LNL has received the appropriate authorization from the Owner for voice or electronic instructions in writingaccordance with LNL procedures. Purchase Payments allocated to each Variable Sub-account will be invested at net asset value in the shares of one of the Funds. LNY LNL will use each Purchase Payment to buy Accumulation Units in the Variable Sub-account(s) selected by the Owner. The number of Accumulation Units bought will be determined by dividing the amount allocated to a Variable Sub-account by the dollar value of an Accumulation Unit in such Variable Sub-account as of the Valuation Date immediately following receipt of the Purchase Payment at the Servicing Home Office. The number of Accumulation Units held for an Owner in a Variable Sub-account will not be changed by any change in the dollar value of Accumulation Units in the Variable Sub-account.

ALLOCATION OF PURCHASE PAYMENTS TO THE VARIABLE ACCOUNT. Any Purchase Payment to this Contract may be allocated to the Variable Account. Purchase Payments allocated to the Variable Account of the Contract will be credited to the Variable Sub-account(s) made available by LNY and selected by the Owner. The Owner may allocate Purchase Payments to any of the available Variable Sub- Sub-accounts subject to the following limitations: a. The minimum amount of a Purchase Payment allocated to any one Variable Sub- Sub-account is $20. b. If the Owner elects to allocate any Purchase Payment to a new Variable Sub-account not previously selected, that election must be made to LNY in writing. Purchase Payments allocated to each Variable Sub-account will be invested at net asset value in the shares of one of the Funds. LNY will use each Purchase Payment to buy Accumulation Units in the Variable Sub-account(s) selected by the Owner. The number of Accumulation Units bought will be determined by dividing the amount allocated to a Variable Sub-account by the dollar value of an Accumulation Unit in such Variable Sub-account as of the Valuation Date immediately following receipt of the Purchase Payment at the Servicing Office. The number of Accumulation Units held for an Owner in a Variable Sub-account will not be changed by any change in the dollar value of Accumulation Units in the Variable Sub-account.

ALLOCATION OF PURCHASE PAYMENTS TO THE VARIABLE ACCOUNT. Any Purchase Payment to paid into this Contract may be allocated to the Variable Account. Purchase Payments and corresponding Bonus Credits allocated to the Variable Account of the Contract will be credited to the Variable Sub-account(s) made available by LNY LNL and selected by the Owner. The Owner may allocate Purchase Payments to any of the available Variable Sub- accounts subject to the following limitations: a. The minimum amount of a Purchase Payment allocated to any one Variable Sub- Sub-account is $20. b. If the Owner elects to allocate any Purchase Payment to a new Variable Sub-account not previously selected, that election must be made in writing to LNY LNL or through voice or electronic instructions, provided LNL has received the appropriate authorization from the Owner for voice or electronic instructions in writingaccordance with LNL procedures. Purchase Payments and corresponding Bonus Credits allocated to each Variable Sub-account will be invested at net asset value in the shares of one of the Funds. LNY LNL will use each Purchase Payment and corresponding Bonus Credit to buy Accumulation Units in the Variable Sub-account(s) selected by the Owner. The number of Accumulation Units bought will be determined by dividing the amount allocated to a Variable Sub-account by the dollar value of an Accumulation Unit in such Variable Sub-account as of the Valuation Date immediately following receipt of the Purchase Payment at the Servicing Home Office. The number of Accumulation Units held for an Owner in a Variable Sub-account will not be changed by any change in the dollar value of Accumulation Units in the Variable Sub-account.