Common use of DAY RIGHT TO EXAMINE CONTRACT Clause in Contracts

DAY RIGHT TO EXAMINE CONTRACT. Within 10 days after this Contract is first received, it may be cancelled for any reason without penalty (e.g., no Contingent Deferred Sales Charge and no Market Value Adjustment will apply) by delivering or mailing it to the representative through whom it was purchased or to the Home Office of LNL. Upon cancellation, LNL will return the Contract Value as of the Valuation Date on which LNL receives the cancellation request, plus any mortality and expense risk charges proportionately attributable to the Bonus Credits, plus any premium taxes previously deducted from the Contract Value, minus any Bonus Credits paid into this Contract. If the Contract Value on the date of cancellation is less than the sum of Purchase Payments minus withdrawals, LNL will also return the net investment loss on this Contract and fund management fees each in an amount that is proportionately attributable to the Bonus Credits. UPON A TRANSFER, WITHDRAWAL, OR SURRENDER, PAYMENTS AND VALUES ALLOCATED TO THE FIXED ACCOUNT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERRED, WITHDRAWN, OR SURRENDERED BY THE OWNER. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF THE VARIABLE ACCOUNT, ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE PAGES 7 AND 21). Signed for The Lincoln National Life Insurance Company at its Home Office in Fort Xxxxx, Indiana. /s/ Xxx X. Xxxxxx /s/ Xxxxx X. Xxxxxx Xxx X. Xxxxxx, President Xxxxx X. Xxxxxx, Vice President Table of Contents

DAY RIGHT TO EXAMINE CONTRACT. Within YOU MAY RETURN THIS CONTRACT TO YOUR AGENT OR OUR HOME OFFICE FOR UP TO 15 DAYS AFTER YOU RECEIVE IT, 30 DAYS IF REPLACEMENT IS INVOLVED. THIS CONTRACT WILL BE VOID UPON OUR, OR OUR AGENT’S, RECEIPT OF YOUR RETURNED CONTRACT. WITHIN 10 days after this Contract is first receivedDAYS OF THE EARLIER OF OUR, it may be cancelled OR OUR AGENT’S, RECEIPT OF YOUR RETURNED CONTRACT, WE WILL REFUND ANY PREMIUM PAID. Signed for any reason without penalty (e.g.the Company at Des Moines, no Contingent Deferred Sales Charge and no Market Value Adjustment will apply) by delivering or mailing it to the representative through whom it was purchased or to the Home Office of LNL. Upon cancellationIowa, LNL will return on the Contract Value as of the Valuation Date on which LNL receives the cancellation request, plus any mortality and expense risk charges proportionately attributable to the Bonus Credits, plus any premium taxes previously deducted from the Contract Value, minus any Bonus Credits paid into this ContractDate. If the Contract Value on the date of cancellation is less than the sum of Purchase Payments minus withdrawals, LNL will also return the net investment loss on this Contract and fund management fees each in an amount that is proportionately attributable to the Bonus Credits. UPON A TRANSFER, WITHDRAWAL, OR SURRENDER, PAYMENTS Xxxxx X. Xxxxxxxxxx X. X. Xxxxx Secretary President FLEXIBLE PREMIUM DEFERRED ANNUITY CONTRACT WITH INDEX-LINKED INTEREST OPTIONS AND VALUES ALLOCATED TO THE FIXED ACCOUNT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERREDThe Market Value Adjustment feature may result in both upward and downward adjustments in Partial Withdrawals and Surrender Benefits Index Credits currently linked to S&P 500 Index 10% Penalty-free Withdrawal Option available after 1st Contract Year Death Benefit Prior to Maturity Monthly Income at Maturity No Dividends Nonparticipating Although Contract Values may be affected by an external Index, WITHDRAWNthe Contract does not participate in any stock or equity investments This is a legal Contract between You and Us. READ YOUR CONTRACT CAREFULLY ICC10-INDEX-4-09R TABLE OF CONTENTS Contract Proceeds and Pay-out Provisions Page 11 Contract Values Provisions Page 7,8,9,10 Death Pay-out Provisions Page 13 Settlement Option Pay-out Provisions Page 14 Value Specifications Page 3a Withdrawal and Surrender Pay-out Provisions Page 12 “Standard & Poor’s®”, OR SURRENDERED BY THE OWNER. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT“S&P®”, WHEN BASED ON INVESTMENT EXPERIENCE OF THE VARIABLE ACCOUNT“S&P 500®”, ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE PAGES 7 AND 21). Signed “Standard & Poor’s 500” and “500” are trademarks of The XxXxxx-Xxxx Companies, Inc. and have been licensed for The Lincoln National use by Eagle Life Insurance Company at its Home Office Company. This Product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing this Product. CONTRACT SPECIFICATIONS Contract Number: [123456] Contract Date: [January 1, 2010] Owner: [Xxxx Xxx] Annuitant: [Xxxx Xxx] Annuitant’s Issue Age: [35] Annuitant’s Sex: [M] Maturity Date: [January 1, 2089] Initial Premium: [$20,000] Planned Premium Mode: [Annual] Planned Premium Amount: [$4,000] Minimum Contract Value Allowed: $2,000 Minimum Guaranteed Interest Rate (MGIR): [1.5%]* Index used in Fort Xxxxx, IndianaMVA calculation: [The BofA Xxxxxxx Xxxxx 3-5 Year US Corporate Index (C2A0)] *Applies to Minimum Guaranteed Surrender Value only. /s/ Xxx X. Xxxxxx /s/ Xxxxx X. Xxxxxx Xxx X. Xxxxxx, President Xxxxx X. Xxxxxx, Vice President Table of ContentsSurrender Charge Period: 3 Contract Years Surrender Charge Percentage: Contract Year: 1 2 3 4+

DAY RIGHT TO EXAMINE CONTRACT. Within During a period of 10 days after from the date this Contract is first receiveddelivered to the Owner, it may be cancelled for any reason without penalty (e.g., no Contingent Deferred Sales Charge and no Market Value Adjustment will apply) by delivering or mailing it surrendered to the representative Company or to the agent through whom it was purchased or to the Home Office of LNL. Upon cancellation, LNL will return the Contract Value as together with a written request for cancellation of the Valuation Date on which LNL receives the cancellation request, plus any mortality and expense risk charges proportionately attributable to the Bonus Credits, plus any premium taxes previously deducted from the Contract Value, minus any Bonus Credits paid into this Contract. If the Contract Value on the date of cancellation is less than the sum of Purchase Payments minus withdrawals, LNL will also return the net investment loss on this Contract is replacing another annuity contract, the Owner may surrender it within 20 days of its delivery. The purchase payment will then be refunded and fund management fees each the Owner and the Company shall be in an amount that is proportionately attributable to the Bonus Creditssame position as if no contract had been issued. UPON A TRANSFERTHE ANNUAL INVESTMENT RETURN REQUIRED TO MAINTAIN LEVEL VARIABLE ANNUITY PAYMENTS IS 5.65% (AFTER ANY APPLICABLE TAXES, WITHDRAWALBUT BEFORE ASSET CHARGES TOTALING 1.4% FOR MORTALITY RISKS, OR SURRENDER, EXPENSE RISKS AND CONTRACT MAINTENANCE CHARGES AND MANAGEMENT FEES WHICH WILL NOT EXCEED .75% OF NET ASSETS OF MUTUAL FUND IN WHICH SEPARATE ACCOUNT ASSETS ARE INVESTED). ANNUITY PAYMENTS AND VALUES ALLOCATED TO THE FIXED ACCOUNT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERRED, WITHDRAWN, OR SURRENDERED BY THE OWNER. ALL PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED FIXED-DOLLAR AMOUNT (SEE PAGES 7 AND 21)AMOUNT. Signed for The Lincoln National Life Insurance Company at its Home Office in Fort XxxxxCONTRACT DATA CONTRACT NUMBER 310000 ANNUITANT XXXX X. XXX DATE OF ISSUE MARCH 14, Indiana. /s/ Xxx X. Xxxxxx /s/ Xxxxx X. Xxxxxx Xxx X. Xxxxxx1997 ISSUE AGE 35 PURCHASE PAYMENT $25,000.00 MATURITY DATE MARCH 14, President Xxxxx X. Xxxxxx2052 SEPARATE ACCOUNT FIRST INVESTORS LIFE SEPARATE ACCOUNT D MUTUAL FUND FIRST INVESTORS LIFE SERIES FUND PURCHASE PAYMENT WILL BE ALLOCATED AS FOLLOWS: 25% to High Yield Series 25% to Discovery Series 25% to Growth Series 25% to Blue chip Series UNIT EFFECTIVE DATE MARCH 1, Vice President Table of Contents1997 OWNER ANNUITANT BENEFICIARY DESIGNATION REFER TO ENCLOSED APPLICATION CONTINGENT DEFERRED SALES CHARGE UPON SURRENDER ALPHABETICAL GUIDE PAGE

DAY RIGHT TO EXAMINE CONTRACT. Within YOU MAY RETURN THIS CONTRACT TO YOUR AGENT OR OUR HOME OFFICE FOR UP TO 15 DAYS AFTER YOU RECEIVE IT, 30 DAYS IF REPLACEMENT IS INVOLVED. THIS CONTRACT WILL BE VOID UPON OUR, OR OUR AGENT’S, RECEIPT OF YOUR RETURNED CONTRACT. WITHIN 10 days after this Contract is first receivedDAYS OF THE EARLIER OF OUR, it may be cancelled OR OUR AGENT’S, RECEIPT OF YOUR RETURNED CONTRACT, WE WILL REFUND ANY PREMIUM PAID. Signed for any reason without penalty (e.g.the Company at Des Moines, no Contingent Deferred Sales Charge and no Market Value Adjustment will apply) by delivering or mailing it to the representative through whom it was purchased or to the Home Office of LNL. Upon cancellationIowa, LNL will return on the Contract Value as of the Valuation Date on which LNL receives the cancellation request, plus any mortality and expense risk charges proportionately attributable to the Bonus Credits, plus any premium taxes previously deducted from the Contract Value, minus any Bonus Credits paid into this ContractDate. If the Contract Value on the date of cancellation is less than the sum of Purchase Payments minus withdrawals, LNL will also return the net investment loss on this Contract and fund management fees each in an amount that is proportionately attributable to the Bonus Credits. UPON A TRANSFER, WITHDRAWAL, OR SURRENDER, PAYMENTS /s/ Xxxxx X. Xxxxxxxxxx /s/ X. X. Xxxxx Xxxxx X. Xxxxxxxxxx X. X. Xxxxx Secretary President FLEXIBLE PREMIUM DEFERRED ANNUITY CONTRACT WITH INDEX-LINKED INTEREST OPTIONS AND VALUES ALLOCATED TO THE FIXED ACCOUNT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERREDThe Market Value Adjustment feature may result in both upward and downward adjustments in Partial Withdrawals and Surrender Benefits Index Credits currently linked to S&P 500 Index 10% Penalty-free Withdrawal Option available after 1st Contract Year Death Benefit Prior to Maturity Monthly Income at Maturity No Dividends Nonparticipating Although Contract Values may be affected by an external Index, WITHDRAWNthe Contract does not participate in any stock or equity investments This is a legal Contract between You and Us. READ YOUR CONTRACT CAREFULLY ICC10-INDEX-4-09R TABLE OF CONTENTS Contract Proceeds and Pay-out Provisions Page 12 Contract Values Provisions Page 8,9,10,11 Death Pay-out Provisions Page 14 General Provisions Page 6 Income for Specified Period Factors Page 16 Joint and Survivor Income Factors Page 18 Maturity Pay-out Provisions Page 12 Premium Provisions Page 7 Settlement Option Pay-out Provisions Page 15 Table of Guaranteed Values Page 19 Value Specifications Page 3a Withdrawal and Surrender Pay-out Provisions Page 13 “Standard & Poor’s®”, OR SURRENDERED BY THE OWNER. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT“S&P®”, WHEN BASED ON INVESTMENT EXPERIENCE OF THE VARIABLE ACCOUNT“S&P 500®”, ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE PAGES 7 AND 21). Signed “Standard & Poor’s 500” and “500” are trademarks of The XxXxxx-Xxxx Companies, Inc. and have been licensed for The Lincoln National use by Eagle Life Insurance Company at its Home Office Company. This Product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing this Product. CONTRACT SPECIFICATIONS Contract Number: 123456 Contract Date: January 1, 2010 Owner: Xxxx Xxx Annuitant: Xxxx Xxx Annuitant’s Issue Age: 35 Annuitant’s Sex: M Maturity Date: January 1, 2089 Initial Premium: $20,000 Planned Premium Mode: Annual Planned Premium Amount: $4,000 Minimum Contract Value Allowed: $2,000 Minimum Guaranteed Interest Rate (MGIR): 1.5%* Index used in Fort Xxxxx, IndianaMVA calculation: The BofA Xxxxxxx Xxxxx 3-5 Year US Corporate Index (C2A0) *Applies to Minimum Guaranteed Surrender Value only. /s/ Xxx X. Xxxxxx /s/ Xxxxx X. Xxxxxx Xxx X. Xxxxxx, President Xxxxx X. Xxxxxx, Vice President Table of ContentsSurrender Charge Period: 3 Contract Years Surrender Charge Percentage: Contract Year: 1 2 3 4+ Percentage: 7 6 5 0

DAY RIGHT TO EXAMINE CONTRACT. Within 10 days after You may cancel this Contract is first received, it may be cancelled contract for any reason without penalty within 30 days of receipt (e.g., no Contingent Deferred Sales Charge and no Market Value Adjustment will applyor any longer period as may be required by applicable law in the state where this contract was delivered or issued for delivery) by delivering or mailing it sending written notice of cancellation to the representative through whom it was purchased Company or to an agent of the Home Office Company, by phone at {0-000-000-0000} or by return of LNLthis contract to the office of the Company. Upon cancellation, LNL the Company will return the Contract Value as of the Valuation Date on which LNL receives the cancellation request, plus any mortality and expense risk charges proportionately attributable to the Bonus Credits, plus any premium taxes previously deducted from the Contract Value, minus any Bonus Credits paid into this Contract. If the Contract Value on the date of cancellation is less than the sum of Purchase Payments minus withdrawalspaid, LNL will also return less any proceeds paid by the net investment loss on this Contract and fund management fees each in an amount that is proportionately attributable to the Bonus CreditsCompany. UPON THIS IS A TRANSFER, WITHDRAWAL, OR SURRENDER, PAYMENTS LEGAL CONTRACT—READ THIS CONTRACT CAREFULLY THIS CONTRACT CONTAINS WITHDRAWAL AND VALUES ALLOCATED TO THE FIXED ACCOUNT SURRENDER CHARGES. THESE CHARGES MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH MAY RESULT WAIVED OR NOT APPLICABLE UNDER CERTAIN CONDITIONS SPECIFIED IN UPWARD THIS CONTRACT MODIFIED SINGLE PREMIUM INDIVIDUAL DEFERRED ANNUITY WITH ONE OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERRED, WITHDRAWN, OR SURRENDERED BY THE OWNER. ALL PAYMENTS AND VALUES PROVIDED BY MORE INDEXED STRATEGIES NON-PARTICIPATING THIS CONTRACT, WHEN ’S VALUES MAY BE BASED ON INVESTMENT EXPERIENCE THE PERFORMANCE OF THE VARIABLE ACCOUNT, AN EXTERNAL INDEX OR INDICES THAT ARE NOT GUARANTEED AS AND MAY INCREASE OR DECREASE; HOWEVER, THIS CONTRACT DOES NOT DIRECTLY PARTICIPATE IN ANY STOCK OR EQUITY INVESTMENT 22-D-RILA-BASE 1 05/22 TABLE OF CONTENTS SPECIFICATIONS PAGES SECTION I – DEFINITIONS 3 SECTION II – CONTRACT VALUES AND CHARGES 7 PURCHASE PAYMENTS 7 CONTRACT VALUE 7 OWNERSHIP OF ASSETS 8 INTEREST 8 REALLOCATIONS TO FIXED DOLLAR AMOUNT AVAILABLE STRATEGIES 8 XXXXXXXXXXX AND SURRENDERS 8 WITHDRAWAL CHARGES 9 SURRENDER VALUE 10 SECTION III – PROVISIONS FOLLOWING THE DEATH OF AN OWNER OR ANNUITANT 10 DEATH OF AN OWNER (SEE PAGES 7 DEATH BENEFIT) 11 DEATH OF THE ANNUITANT 11 SECTION IV – SETTLEMENT AND 21). Signed for The Lincoln National Life Insurance Company at its Home Office PAYMENT OF PROCEEDS 12 PAYMENTS IN GENERAL 12 PAYMENTS TO MINORS 12 SETTLEMENT OPTIONS 12 ANNUITIZATION UPON MATURITY 13 SECTION V – GENERAL PROVISIONS 14 CONTRACT 14 ANNUAL STATEMENTS 14 DEFERRAL OF PAYMENTS 14 RELIANCE 15 INCONTESTABILITY 15 NON-PARTICIPATING 15 MISSTATEMENT OF AGE OR SEX 15 OWNERSHIP 15 ASSIGNMENT INCLUDING OWNERSHIP CHANGE OF THIS CONTRACT 15 CHANGE OF BENEFICIARY 16 MODIFICATION 16 TAXES 16 MINIMUM BENEFITS 16 SPENDTHRIFT PROVISION 16 PROOF OF AGE AND SURVIVAL 16 CONFORMITY WITH LAWS FOR LEGAL ACTIONS 16 22-D-RILA-BASE 2 05/22 SECTION I DEFINITIONS Capitalized terms have specific definitions as detailed in Fort Xxxxx, Indiana. /s/ Xxx X. Xxxxxx /s/ Xxxxx X. Xxxxxx Xxx X. Xxxxxx, President Xxxxx X. Xxxxxx, Vice President Table of Contentsthis contract and outlined below.

DAY RIGHT TO EXAMINE CONTRACT. Within 10 days after this Contract is first received, it may be cancelled for any reason without penalty (e.g., no Contingent Deferred Sales Charge and no Market Value Adjustment will apply) by delivering or mailing it to the representative through whom it was purchased or to the Home Office of LNL. Upon cancellation, LNL will return the Contract Value as value of any Purchase Payments made to the Variable Account on the Valuation Date on which LNL receives the cancellation request, plus any mortality and expense risk charges proportionately attributable to the Bonus Credits, plus any premium taxes previously deducted from the Contract Value, minus any Bonus Credits paid into this Contract. If the Contract Value on the date of cancellation is less than the sum of Purchase Payments minus withdrawals, LNL will also return the net investment loss on this Contract and fund management fees each in an amount that is proportionately attributable to the Bonus Credits. UPON A TRANSFER, WITHDRAWAL, OR SURRENDER, PAYMENTS AND VALUES ALLOCATED TO THE FIXED ACCOUNT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERRED, WITHDRAWN, OR SURRENDERED BY THE OWNER. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON UPON INVESTMENT EXPERIENCE OF THE VARIABLE ACCOUNT, ARE VARIABLE (THE AMOUNT MAY INCREASE OR DECREASE) AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE PAGES 7 6 AND 2113). Signed for The Lincoln National Life Insurance Company at its Home Office in Fort Xxxxxlocated at 0000 Xxxxx Xxxxxxx Xxxxxx, IndianaXxxx Xxxxx Xxxxxxx 46802. /s/ Xxx X. Xxxxxx /s/ Xxxxx X. Xxxxxx Xxx X. Xxxxxx, President Xxxxx Xxxx X. Xxxxxx, Vice President Xxxxxxxx SVP & Chief Administrative Officer Table of ContentsCotents Article Pages 1 Definitions 4 2 Purchase Payments 6 3 Variable Account 6 4 Options, Charges and Fees 7 5 Death Benefits 9 6 Annuity Payment Options 12 7 Beneficiary 15 8 General Provisions 16 9 Annuity Purchase Rates Under a Variable Payment Option 18 10 Annuity Purchase Rates Under a Fixed Payment Option 22 CONTRACT DATA Contract Number XX-01 23456 Annuitant Xxxxxxx Xxxxxxx Age at Issue 35 Contract Date April 1,1989 Purchase Payment $1,500.00 Purchase Payment Frequency Monthly Maturity Date April 1, 2039 OWNER Xxxxxxx Xxxxxxx Xxxx Xxxxxxx Xxxx Xxxxxxx BENEFICIARY DESIGNATION Please refer to the Client Information Profile for beneficiary designation. VARIABLE ACCOUNT There are currently eleven Sub-accounts in the Variable Account available to the Owner. The Owner may direct Purchase Payments under the Contract to any of the available Variable Sub-accounts, subject to limitations. The amounts allocated to each Sub-account will be invested at Net Asset Value in the shares of one of the Funds. The Sub-accounts are:

DAY RIGHT TO EXAMINE CONTRACT. Within During a period of 10 days after from the date this Contract is first receiveddelivered to the owner, it may be cancelled for any reason without penalty (e.g., no Contingent Deferred Sales Charge and no Market Value Adjustment will apply) by delivering or mailing it surrendered to the representative Company or to the agent through whom it was purchased or to together with a written request for cancellation of the Home Office of LNLContract. Upon cancellationThe purchase payment will then be refunded, LNL will return whereupon the Contract Value shall be void from the beginning and the Owner and the Company shall be in the same position as if no contract had been issued. A 10% penalty shall be added to any refund due which is not paid within 30 days of return of the Valuation Date on which LNL receives the cancellation requestpolicy. THE ANNUAL INVESTMENT RETURN REQUIRED TO MAINTAIN LEVEL VARIABLE ANNUITY PAYMENTS IS 5.65% (AFTER ANY APPLICABLE TAXES, plus any mortality and expense risk charges proportionately attributable to the Bonus CreditsBUT BEFORE ASSET CHARGES TOTALING 1.4% FOR MORTALITY RISKS, plus any premium taxes previously deducted from the Contract Value, minus any Bonus Credits paid into this ContractEXPENSE RISKS AND CONTRACT MAINTENANCE CHARGES AND MANAGEMENT FEES WHICH WILL NOT EXCEED .75% OF NET ASSETS OF MUTUAL FUND IN WHICH SEPARATE ACCOUNT ASSETS ARE INVESTED). If the Contract Value on the date of cancellation is less than the sum of Purchase Payments minus withdrawals, LNL will also return the net investment loss on this Contract and fund management fees each in an amount that is proportionately attributable to the Bonus Credits. UPON A TRANSFER, WITHDRAWAL, OR SURRENDER, ANNUITY PAYMENTS AND VALUES ALLOCATED TO THE FIXED ACCOUNT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERRED, WITHDRAWN, OR SURRENDERED BY THE OWNER. ALL PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED FIXED-DOLLAR AMOUNT (SEE PAGES 7 AND 21)AMOUNT. Signed for The Lincoln National Life Insurance Company at its Home Office in Fort XxxxxCONTRACT DATA CONTRACT NUMBER 310000 ANNUITANT XXXX X. XXX DATE OF ISSUE MARCH 14, Indiana. /s/ Xxx X. Xxxxxx /s/ Xxxxx X. Xxxxxx Xxx X. Xxxxxx1997 ISSUE AGE 35 PURCHASE PAYMENT $25,000.00 MATURITY DATE MARCH 14, President Xxxxx X. Xxxxxx2052 SEPARATE ACCOUNT FIRST INVESTORS LIFE SEPARATE ACCOUNT D MUTUAL FUND FIRST INVESTORS LIFE SERIES FUND PURCHASE PAYMENT WILL BE ALLOCATED AS FOLLOWS: 25% to High Yield Series 25% to Discovery Series 25% to Growth Series 25% to Blue chip Series UNIT EFFECTIVE DATE MARCH 1, Vice President Table of Contents1997 OWNER ANNUITANT BENEFICIARY DESIGNATION REFER TO ENCLOSED APPLICATION CONTINGENT DEFERRED SALES CHARGE UPON SURRENDER ALPHABETICAL GUIDE

DAY RIGHT TO EXAMINE CONTRACT. Within During a period of 10 days after from the date this Contract contract is first receiveddelivered to the Owner, it may be cancelled for any reason without penalty (e.g., no Contingent Deferred Sales Charge and no Market Value Adjustment will apply) by delivering or mailing it surrendered to the representative through whom it was purchased or Company together with a written request for cancellation of the contract and, in such event, the Company will pay to the Home Office of LNL. Upon cancellation, LNL will return the Contract Value as of the Valuation Date on which LNL receives the cancellation request, plus any mortality and expense risk charges proportionately attributable Owner an amount equal to the Bonus Credits, plus any premium taxes previously deducted from sum of (i) the difference between the Single Purchase Payment made under this Contract Value, minus any Bonus Credits paid into and the amount allocated to the Separate Account under this Contract. If Contract and (ii) the Accumulated Value of this Contract Value on the date of surrender. If the request for cancellation of the contract is less than the sum of Purchase Payments minus withdrawals, LNL will also return the net investment loss on this Contract and fund management fees each in an amount that is proportionately attributable made prior to the Bonus Creditsactual delivery of the contract, the amount of refund will be the entire Single Purchase Payment. UPON A TRANSFERTHE ANNUAL INVESTMENT RETURN REQUIRED TO MAINTAIN LEVEL VARIABLE ANNUITY PAYMENTS IS 5.65% (AFTER ANY APPLICABLE TAXES, WITHDRAWALBUT BEFORE ASSET CHARGES TOTALING 1.4% FOR MORTALITY RISKS, OR SURRENDER, EXPENSE RISKS AND CONTRACT MAINTENANCE CHARGES AND MANAGEMENT FEES WHICH WILL NOT EXCEED .75% OF NET ASSETS OF MUTUAL FUND IN WHICH SEPARATE ACCOUNT ASSETS ARE INVESTED). ANNUITY PAYMENTS AND VALUES ALLOCATED TO THE FIXED ACCOUNT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERRED, WITHDRAWN, OR SURRENDERED BY THE OWNER. ALL PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED FIXED-DOLLAR AMOUNT (SEE PAGES 7 AND 21)AMOUNT. Signed for The Lincoln National Life Insurance Company at its Home Office in Fort XxxxxCONTRACT DATA CONTRACT NUMBER 310000 ANNUITANT XXXX X. XXX DATE OF ISSUE MARCH 14, Indiana. /s/ Xxx X. Xxxxxx /s/ Xxxxx X. Xxxxxx Xxx X. Xxxxxx1997 ISSUE AGE 35 PURCHASE PAYMENT $25,000.00 MATURITY DATE MARCH 14, President Xxxxx X. Xxxxxx2052 SEPARATE ACCOUNT FIRST INVESTORS LIFE SEPARATE ACCOUNT D MUTUAL FUND FIRST INVESTORS LIFE SERIES FUND PURCHASE PAYMENT WILL BE ALLOCATED AS FOLLOWS: 25% to High Yield Series 25% to Discovery Series 25% to Growth Series 25% to Blue chip Series UNIT EFFECTIVE DATE MARCH 1, Vice President Table of Contents1997 OWNER ANNUITANT BENEFICIARY DESIGNATION REFER TO ENCLOSED APPLICATION CONTINGENT DEFERRED SALES CHARGE UPON SURRENDER ALPHABETICAL GUIDE

DAY RIGHT TO EXAMINE CONTRACT. Within 10 days after this Contract is first receivedIF THE CONTRACT IS ISSUED AS A REPLACEMENT OF EXISTING LIFE INSURANCE OR ANNUITY COVERAGE, it THE RIGHT TO EXAMINE PERIOD IS EXTENDED TO 60 DAYS FROM THE DATE OF RECEIVING IT. IF NOT SATISFIED WITH THE CONTRACT, RETURN IT TO FIRST GREAT-WEST OR THE RETIREMENT RESOURCE OPERATIONS CENTER. THE CONTRACT WILL BE VOID FROM THE START, AND FIRST GREAT-WEST WILL REFUND THE GREATER OF: 1) CONTRIBUTIONS (LESS ANY WITHDRAWALS AND DISTRIBUTIONS TAKEN DURING THE FREE LOOK PERIOD); OR 2) THE ANNUITY ACCOUNT VALUE. INDIVIDUAL FLEXIBLE PREMIUM VARIABLE ANNUITY. Contributions may be cancelled for any reason without penalty (e.g., no Contingent Deferred Sales Charge and no Market made only during the Accumulation Period or until the death benefit is payable to a Beneficiary. The Owner is as shown on the Contract Data Page. First Great-West will pay the Annuitant the first of a series of annuity payouts on the Annuity Commencement Date by applying the Owner’s Annuity Account Value Adjustment will apply) by delivering or mailing it according to the representative through whom it was purchased or to the Home Office Payout Options provisions of LNL. Upon cancellation, LNL will return the Contract Value as of the Valuation Date on which LNL receives the cancellation request, plus any mortality and expense risk charges proportionately attributable to the Bonus Credits, plus any premium taxes previously deducted from the Contract Value, minus any Bonus Credits paid into this Contract. If the Contract Value Subsequent payouts will be paid on the date same day of cancellation is less than the sum of Purchase Payments minus withdrawals, LNL will also return the net investment loss on this Contract and fund management fees each in an amount that is proportionately attributable frequency period according to the Bonus Creditsprovisions of this Contract. UPON A TRANSFER, WITHDRAWAL, OR SURRENDER, PAYMENTS AND VALUES ALLOCATED TO THE FIXED ACCOUNT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERRED, WITHDRAWN, OR SURRENDERED BY THE OWNER. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF THE VARIABLE ACCOUNT, ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE PAGES 7 AND 21)This Contract is non- participating and not eligible to share in First Great-West’s divisible surplus. Signed for The Lincoln National First Great-West Life & Annuity Insurance Company at its Home Office in Fort on the issuance of this Contract. [Xxxxxxx Xxxxxxx], [Xxxxxxxx X.X. Xxxxx], Indiana. /s/ Xxx [Secretary] [President and Chief Executive Officer] ANNUITY INFORMATION Annuity Contract Number: [1234567] Effective Date: [July 1, 2012] Status of Annuity: [Non-Qualified Annuity ] Initial Contribution: [$50,000] Annuity Commencement Date: [March 1, 2014] Maximum Annuitization Age: 90 years OWNER INFORMATION Owner: [XXXX X. Xxxxxx /s/ XXX] Date of Birth: [April 1, 1969] Tax ID Number: [000-00-0000] Joint Owner: [XXXX X. XXX] Date of Birth: [November 12, 1973] Tax ID Number: [###-##-####] ANNUITANT INFORMATION Annuitant: [XXXX X. XXX] Date of Birth: [March 22, 1967] Tax ID Number: [###-##-####] Contingent Annuitant: [XXXXX X. XXX] Date of Birth: [June 6, 1989] Tax ID Number: [###-##-####] BENEFICIARY INFORMATION Beneficiary: [Xxxxx X. Xxxxxx Xxx X. XxxxxxXxxxx] Date of Birth: [January 17, President 1981] Tax ID Number: [###-##-####] Contingent Beneficiary: [Xxxxx X. XxxxxxXxxxx] Date of Birth: [January 17, Vice President Table of Contents1981] Tax ID Number: [###-##-####]

DAY RIGHT TO EXAMINE CONTRACT. Within WITHIN 10 days after this Contract is first receivedDAYS AFTER THIS CONTRACT IS FIRST RECEIVED, it may be cancelled for any reason without penalty IT MAY BE CANCELLED FOR ANY REASON WITHOUT PENALTY (e.g.E G, no Contingent Deferred Sales Charge and no Market Value Adjustment will applyNO CONTINGENT DEFERRED SALES CHARGE WILL BE DEDUCTED) by delivering or mailing it to the representative through whom it was purchased or to the Home Office of LNL. Upon cancellationBY DELIVERING OR MAILING IT TO THE HOME OFFICE OF LL&A AT 000 XXXXXXX XXXXXX, LNL will return the Contract Value as of the Valuation Date on which LNL receives the cancellation requestXXXXX 0000 XXXXXXXX, plus any mortality and expense risk charges proportionately attributable to the Bonus CreditsXXX XXXX, plus any premium taxes previously deducted from the Contract Value, minus any Bonus Credits paid into this Contract. If the Contract Value on the date of cancellation is less than the sum of Purchase Payments minus withdrawals, LNL will also return the net investment loss on this Contract and fund management fees each in an amount that is proportionately attributable to the Bonus Credits00000. UPON A TRANSFERCANCELLATION, WITHDRAWAL, OR SURRENDER, LL&A WILL RETURN THE VALUE OF ANY PAYMENTS AND VALUES ALLOCATED MADE TO THE VARIABLE ACCOUNT AND/OR ANY PURCHASE PAYMENT PAID UNDER THE FIXED ACCOUNT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERRED, WITHDRAWN, OR SURRENDERED BY PORTION THE OWNERCONTRACT. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF THE VARIABLE A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE PAGES 7 5 AND 21)10. Signed for The Lincoln National Life Insurance & Annuity Company of New York at its Home Office in Fort XxxxxSyracuse, IndianaNew York. /s/ Xxx X. Xxxxxx /s/ Xxxxx X. Xxxxxx Xxx X. XxxxxxTABLE OF CONTENTS ARTICLE PAGE 1 DEFINITIONS 4 2 PURCHASE PAYMENTS, President Xxxxx X. XxxxxxOPTIONS AND BENEFITS 5 3 ANNUITY PAYMENT OPTION BENEFITS 9 4 BENEFICIARY 11 5 GENERAL PROVISIONS 12 6 ANNUITY PURCHASE RATES UNDER A VARIABLE PAYMENT OPTION 13 7 ANNUITY PURCHASE RATES UNDER A FIXED PAYMENT OPTION 14 8 GUARANTEED VALUES FOR FIXED ALLOCATIONS 15 CONTRACT DATA CONTRACT NUMBER XX-0123456 ANNUITANT XXXXXXX XXXXXXX AGE AT ISSUE 35 CONTRACT DATE APRIL 1, Vice President Table of Contents1969 PURCHASE PAYMENT $1,500.00 PURCHASE PAYMENT FREQUENCY MONTHLY MATURITY DATE APRIL 1, 2039 OWNER XXXXXXX XXXXXXX XXXX XXXXXXX XXXX XXXXXXX BENEFICIARY DESIGNATION PLEASE REFER TO THE CLIENT INFORMATION PROFILE FOR BENEFICIARY DESIGNATION. VARIABLE ACCOUNT THERE ARE CURRENTLY NINE SUB-ACCOUNTS IN THE VARIABLE ACCOUNT AVAILABLE TO THE OWNER. THE OWNER MAY DIRECT PURCHASE PAYMENTS UNDER THE CONTRACT TO ANY OF THE AVAILABLE SUB-ACCOUNTS, SUBJECT TO LIMITATIONS. THE AMOUNTS ALLOCATED TO EACH SUB-ACCOUNT WILL BE INVESTED AT NET ASSET VALUE IN THE SHARES OF ONE OF THE FUNDS OF THE AMERICAN VARIABLE INSURANCE SERIES (SERIES). THE FUNDS ARE:

DAY RIGHT TO EXAMINE CONTRACT. Within YOU MAY RETURN THIS CONTRACT TO YOUR AGENT OR OUR HOME OFFICE FOR UP TO 15 DAYS AFTER YOU RECEIVE IT, 30 DAYS IF REPLACEMENT IS INVOLVED. THIS CONTRACT WILL BE VOID UPON OUR, OR OUR AGENT’S, RECEIPT OF YOUR RETURNED CONTRACT. WITHIN 10 days after this Contract is first receivedDAYS OF THE EARLIER OF OUR, it may be cancelled OR OUR AGENT’S, RECEIPT OF YOUR RETURNED CONTRACT, WE WILL REFUND ANY PREMIUM PAID. Signed for any reason without penalty (e.g.the Company at Des Moines, no Contingent Deferred Sales Charge and no Market Value Adjustment will apply) by delivering or mailing it to the representative through whom it was purchased or to the Home Office of LNL. Upon cancellationIowa, LNL will return on the Contract Value as of the Valuation Date on which LNL receives the cancellation request, plus any mortality and expense risk charges proportionately attributable to the Bonus Credits, plus any premium taxes previously deducted from the Contract Value, minus any Bonus Credits paid into this ContractDate. If the Contract Value on the date of cancellation is less than the sum of Purchase Payments minus withdrawals, LNL will also return the net investment loss on this Contract and fund management fees each in an amount that is proportionately attributable to the Bonus Credits. UPON A TRANSFER, WITHDRAWAL, OR SURRENDER, PAYMENTS /s/ Xxxxx X. Xxxxxxxxxx /s/ X. X. Xxxxx Xxxxx X. Xxxxxxxxxx X. X. Xxxxx Secretary President FLEXIBLE PREMIUM DEFERRED ANNUITY CONTRACT WITH INDEX-LINKED INTEREST OPTIONS AND VALUES ALLOCATED TO THE FIXED ACCOUNT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERREDThe Market Value Adjustment feature may result in both upward and downward adjustments in Partial Withdrawals and Surrender Benefits Index Credits currently linked to S&P 500 Index 10% Penalty-free Withdrawal Option available after 1st Contract Year Death Benefit Prior to Maturity Monthly Income at Maturity No Dividends Nonparticipating Although Contract Values may be affected by an external Index, WITHDRAWNthe Contract does not participate in any stock or equity investments This is a legal Contract between You and Us. READ YOUR CONTRACT CAREFULLY INDEX-4-09R TABLE OF CONTENTS Contract Proceeds and Pay-out Provisions Page 12 Death Pay-out Provisions Page 14 General Provisions Page 6 Income for Specified Period Factors Page 16 Joint and Survivor Income Factors Page 18 Maturity Pay-out Provisions Page 12 Premium Provisions Page 7 Settlement Option Pay-out Provisions Page 15 Table of Guaranteed Values Page 19 Value Specifications Page 4 Withdrawal and Surrender Pay-out Provisions Page 13 “Standard & Poor’s®”, OR SURRENDERED BY THE OWNER. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT“S&P®”, WHEN BASED ON INVESTMENT EXPERIENCE OF THE VARIABLE ACCOUNT“S&P 500®”, ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE PAGES 7 AND 21). Signed “Standard & Poor’s 500” and “500” are trademarks of The XxXxxx-Xxxx Companies, Inc. and have been licensed for The Lincoln National use by Eagle Life Insurance Company at its Home Office in Fort XxxxxCompany. This Product is not sponsored, Indianaendorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing this Product. /s/ Xxx X. Xxxxxx /s/ Xxxxx X. Xxxxxx Xxx X. Xxxxxx, President Xxxxx X. Xxxxxx, Vice President Table of ContentsCONTRACT SPECIFICATIONS

DAY RIGHT TO EXAMINE CONTRACT. Within During a period of 10 days after from the date this Contract contract is first receiveddelivered to the Owner, it may be cancelled for any reason without penalty (e.g., no Contingent Deferred Sales Charge and no Market Value Adjustment will apply) by delivering or mailing it surrendered to the representative through whom it was purchased or Company together with a written request for cancellation of the contract and, in such event, the Company will pay to the Home Office of LNL. Upon cancellation, LNL will return the Contract Value as of the Valuation Date on which LNL receives the cancellation request, plus any mortality and expense risk charges proportionately attributable Owner an amount equal to the Bonus Credits, plus any premium taxes previously deducted from sum of (i) the difference between the Single Purchase Payment made under this Contract Value, minus any Bonus Credits paid into and the amount allocated to the Separate Account under this Contract. If Contract and (ii) the Accumulated Value of this Contract Value on the date of cancellation is less than the sum of Purchase Payments minus withdrawalssurrender. THE ANNUAL INVESTMENT RETURN REQUIRED TO MAINTAIN LEVEL VARIABLE ANNUITY PAYMENTS IS 5.65% (AFTER ANY APPLICABLE TAXES, LNL will also return the net investment loss on this Contract and fund management fees each in an amount that is proportionately attributable to the Bonus CreditsBUT BEFORE ASSET CHARGES TOTALING 1.4% FOR MORTALITY RISKS, EXPENSE RISKS AND CONTRACT MAINTENANCE CHARGES AND MANAGEMENT FEES WHICH WILL NOT EXCEED .75% OF NET ASSETS OF MUTUAL FUND IN WHICH SEPARATE ACCOUNT ASSETS ARE INVESTED). UPON A TRANSFER, WITHDRAWAL, OR SURRENDER, ANNUITY PAYMENTS AND VALUES ALLOCATED TO THE FIXED ACCOUNT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERRED, WITHDRAWN, OR SURRENDERED BY THE OWNER. ALL PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED FIXED-DOLLAR AMOUNT (SEE PAGES 7 AND 21)AMOUNT. Signed for The Lincoln National Life Insurance Company at its Home Office in Fort XxxxxCONTRACT DATA CONTRACT NUMBER 310000 ANNUITANT XXXX X. XXX DATE OF ISSUE MARCH 14, Indiana. /s/ Xxx X. Xxxxxx /s/ Xxxxx X. Xxxxxx Xxx X. Xxxxxx1997 ISSUE AGE 35 PURCHASE PAYMENT $25,000.00 MATURITY DATE MARCH 14, President Xxxxx X. Xxxxxx2052 SEPARATE ACCOUNT FIRST INVESTORS LIFE SEPARATE ACCOUNT D MUTUAL FUND FIRST INVESTORS LIFE SERIES FUND PURCHASE PAYMENT WILL BE ALLOCATED AS FOLLOWS: 25% to High Yield Series 25% to Discovery Series 25% to Growth Series 25% to Blue chip Series UNIT EFFECTIVE DATE MARCH 1, Vice President Table of Contents1997 OWNER ANNUITANT BENEFICIARY DESIGNATION REFER TO ENCLOSED APPLICATION CONTINGENT DEFERRED SALES CHARGE UPON SURRENDER ALPHABETICAL GUIDE