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 WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE HOME OFFICE OF LNL. UPON CANCELLATION, LNL WILL RETURN THE VALUE OF ANY PAYMENTS MADE TO THE VARIABLE ACCOUNT AND/OR ANY PURCHASE PAYMENT PAID UNDER THE FIXED PORTION OF THE CONTRACT. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE PAGES 4 AND 6. Signed for The Lincoln National Life Insurance Company at its Home Office in Fort Xxxxx, Indiana. /s/ Xxx X. Xxxxxx /s/ Xxx X. Xxxxx XXX X. XXXXXX, PRESIDENT XXX X. XXXXX, SECOND VICE PRESIDENT TABLE OF CONTENTS ARTICLE PAGE CONTRACT NUMBER XX-0123456 ANNUITANT XXXXXXX XXXXXXX AGE AT ISSUE 35 CONTRACT DATE APRIL 1,1969 PURCHASE PAYMENT $1,500.00 PURCHASE PAYMENT FREQUENCY MONTHLY MATURITY DATE APRIL 1, 2039 XXXXXXX XXXXXXX XXXX XXXXXXX XXXX XXXXXXX BENEFICIARY DESIGNATION AS NAMED IN APPLICATION OR SUBSEQUENT WRITTEN DESIGNATION THE PORTION OF YOUR INITIAL PURCHASE PAYMENT ALLOCATED TO THE FIXED ACCOUNT OF YOUR ANNUITY CONTRACT IS GUARANTEED TO BE CREDITED AN INITIAL EFFECTIVE ANNUAL INTEREST RATE OF 4.500% THROUGH 04/09/1992. ARTICLE I PURCHASE PAYMENTS

DAY RIGHT TO EXAMINE CONTRACT. WITHIN During a period of 10 DAYS days from the date this contract is delivered to the Owner, it may be surrendered to the Company together with a written request for cancellation of the contract and, in such event, the Company will pay to the Owner an amount equal to the sum of (i) the difference between the Single Purchase Payment made under this Contract and the amount allocated to the Separate Account under this Contract and (ii) the Accumulated Value of this Contract on the date of surrender. If the request for cancellation of the contract is made prior to the actual delivery of the contract, the amount of refund will be the entire Single Purchase Payment. THE ANNUAL INVESTMENT RETURN REQUIRED TO MAINTAIN LEVEL VARIABLE ANNUITY PAYMENTS IS 5.65% (AFTER THIS ANY APPLICABLE TAXES, BUT BEFORE ASSET CHARGES TOTALING 1.4% FOR MORTALITY RISKS, EXPENSE RISKS AND CONTRACT IS FIRST RECEIVED, IT MAY BE CANCELLED FOR ANY REASON WITHOUT PENALTY (E.G., NO CONTINGENT DEFERRED SALES CHARGE MAINTENANCE CHARGES AND MANAGEMENT FEES WHICH WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE HOME OFFICE NOT EXCEED .75% OF LNLNET ASSETS OF MUTUAL FUND IN WHICH SEPARATE ACCOUNT ASSETS ARE INVESTED). UPON CANCELLATION, LNL WILL RETURN THE VALUE OF ANY PAYMENTS MADE TO THE VARIABLE ACCOUNT AND/OR ANY PURCHASE PAYMENT PAID UNDER THE FIXED PORTION OF THE CONTRACT. ALL ANNUITY PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED FIXED-DOLLAR AMOUNT. SEE PAGES 4 AND 6. Signed for The Lincoln National Life Insurance Company at its Home Office in Fort Xxxxx, Indiana. /s/ Xxx X. Xxxxxx /s/ Xxx X. Xxxxx XXX X. XXXXXX, PRESIDENT XXX X. XXXXX, SECOND VICE PRESIDENT TABLE OF CONTENTS ARTICLE PAGE CONTRACT DATA CONTRACT NUMBER XX-0123456 310000 ANNUITANT XXXXXXX XXXXXXX XXXX X. XXX DATE OF ISSUE MARCH 14, 1997 ISSUE AGE AT ISSUE 35 CONTRACT DATE APRIL 1,1969 PURCHASE PAYMENT $1,500.00 25,000.00 MATURITY DATE MARCH 14, 2052 SEPARATE ACCOUNT FIRST INVESTORS LIFE SEPARATE ACCOUNT D MUTUAL FUND FIRST INVESTORS LIFE SERIES FUND PURCHASE PAYMENT FREQUENCY MONTHLY MATURITY 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 APRIL MARCH 1, 2039 XXXXXXX XXXXXXX XXXX XXXXXXX XXXX XXXXXXX 1997 OWNER ANNUITANT BENEFICIARY DESIGNATION AS NAMED IN REFER TO ENCLOSED APPLICATION OR SUBSEQUENT WRITTEN DESIGNATION THE PORTION OF YOUR INITIAL PURCHASE PAYMENT ALLOCATED TO THE FIXED ACCOUNT OF YOUR ANNUITY CONTRACT IS GUARANTEED TO BE CREDITED AN INITIAL EFFECTIVE ANNUAL INTEREST RATE OF 4.500% THROUGH 04/09/1992. ARTICLE I PURCHASE PAYMENTSCONTINGENT DEFERRED SALES CHARGE UPON SURRENDER ALPHABETICAL GUIDE

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 (E.G., NO CONTINGENT DEFERRED SALES CHARGE WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE HOME OFFICE OF it may be cancelled for any reason without penalty by delivering or mailing it to the representative through whom it was purchased or to the Home Office of LNL. UPON CANCELLATIONUpon cancellation, LNL WILL RETURN THE VALUE OF ANY PAYMENTS MADE TO THE VARIABLE ACCOUNT AND/OR ANY PURCHASE PAYMENT PAID UNDER THE FIXED PORTION OF THE CONTRACTwill return the value of any Purchase Payments made to the Variable Account on the Valuation Date on which LNL receives the cancellation request. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON UPON INVESTMENT EXPERIENCE OF A SEPARATE THE VARIABLE ACCOUNT, ARE VARIABLE (THE AMOUNT MAY INCREASE OR DECREASE) AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. AMOUNT (SEE PAGES 4 6 AND 613). 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/ Xxx Xxxxxx, President Xxxx X. Xxxxx XXX X. XXXXXXXxxxxxxx SVP & Chief Administrative Officer Table of Cotents Article Pages 1 Definitions 4 2 Purchase Payments 6 3 Variable Account 6 4 Options, PRESIDENT XXX X. XXXXX, SECOND VICE PRESIDENT TABLE OF CONTENTS ARTICLE PAGE 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 NUMBER XX-0123456 ANNUITANT XXXXXXX XXXXXXX AGE AT ISSUE DATA Contract Number XX-01 23456 Annuitant Xxxxxxx Xxxxxxx Age at Issue 35 CONTRACT DATE APRIL 1,1969 PURCHASE PAYMENT Contract Date April 1,1989 Purchase Payment $1,500.00 PURCHASE PAYMENT FREQUENCY MONTHLY MATURITY DATE APRIL Purchase Payment Frequency Monthly Maturity Date April 1, 2039 XXXXXXX XXXXXXX XXXX XXXXXXX XXXX XXXXXXX OWNER Xxxxxxx Xxxxxxx Xxxx Xxxxxxx Xxxx Xxxxxxx BENEFICIARY DESIGNATION AS NAMED IN APPLICATION OR SUBSEQUENT WRITTEN DESIGNATION THE PORTION OF YOUR INITIAL PURCHASE PAYMENT ALLOCATED TO THE FIXED Please refer to the Client Information Profile for beneficiary designation. VARIABLE ACCOUNT OF YOUR ANNUITY CONTRACT IS GUARANTEED TO BE CREDITED AN INITIAL EFFECTIVE ANNUAL INTEREST RATE OF 4.500% THROUGH 04/09/1992There are currently eleven Sub-accounts in the Variable Account available to the Owner. ARTICLE I PURCHASE PAYMENTSThe 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 10 DAYS AFTER THIS CONTRACT IS FIRST RECEIVED, IT MAY BE CANCELLED FOR ANY REASON WITHOUT PENALTY (E.G., NO CONTINGENT DEFERRED SALES SURRENDER CHARGE WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE HOME OFFICE OF LNL, OR BY CANCELING THE CONTRACT THROUGH LNL'S INTERNET SERVICE CENTER. THE PURCHASE PAYMENT WILL BE INVESTED IN THE LINCOLN NATIONAL MONEY MARKET FUND DURING THIS FREE LOOK PERIOD. UPON CANCELLATION, LNL WILL RETURN THE VALUE OF ANY PAYMENTS MADE TO THE VARIABLE ACCOUNT AND/OR ANY PURCHASE PAYMENT PAID UNDER THE FIXED PORTION OF THE CONTRACTACCOUNT. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, CONTRACT ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. AMOUNT (SEE PAGES 4 SECTIONS 2 AND 63). Signed for The the Lincoln National Life Insurance Company at its Home Office in Fort Xxxxx, Indiana. /s/ Xxx X. Xxxxxx /s/ Xxx X. Xxxxx XXX X XXXXXX, PRESIDENT XXXXX X. XXXXXX, PRESIDENT XXX X. XXXXX, SECOND VICE PRESIDENT TABLE CONTRACT NUMBER: XX-0123456 CONTRACT OWNER INFORMATION PRIMARY JOINT ------- ----- CONTRACT OWNER: Xxxxxxx Xxxxxxx Xxxx Xxxxxxx CONTRACT OWNER ADDRESS: 0000 Xxxxxx Xxxxxx 0000 Xxxxxx Xxxxxx Xxxxxxxxxxxx, XX 00000 Xxxxxxxxxxxx, XX 00000 CONTRACT OWNER SSN/TAX ID: 000-00-0000 000-00-0000 ANNUITANT INFORMATION ANNUITANT: Xxxxxxx Xxxxxxx DATE OF CONTENTS ARTICLE PAGE BIRTH: 2/17/1938 SEX: Male CONTINGENT ANNUITANT: Xxxx Xxxxxxx DATE OF BIRTH: 4/12/1938 SEX: Female CONTRACT NUMBER XX-0123456 ANNUITANT XXXXXXX XXXXXXX AGE AT ISSUE 35 CONTRACT INFORMATION TYPE OF CONTRACT: Non-Qualified EFFECTIVE DATE: July 1, 1998 MATURITY DATE APRIL 1,1969 July 1, 2048 PRODUCT: [eAnnuity] PURCHASE PAYMENT PAYMENT: $1,500.00 PURCHASE PAYMENT FREQUENCY MONTHLY MATURITY DATE APRIL 1, 2039 XXXXXXX XXXXXXX XXXX XXXXXXX XXXX XXXXXXX BENEFICIARY DESIGNATION AS NAMED IN APPLICATION OR SUBSEQUENT WRITTEN DESIGNATION THE PORTION OF YOUR INITIAL FREQUENCY: Monthly PURCHASE PAYMENT ALLOCATED TO THE FIXED ALLOCATION: 25% Lincoln National Managed Fund, Inc. 75% Lincoln National Growth and Income Fund, Inc. BENEFICIARY INFORMATION Beneficiary Name: Xxxx Xxxxxxx Relationship: son LINCOLN NATIONAL LIFE INSURANCE COMPANY CONTACT INFORMATION Lincoln National Life Insurance Company P.O. Box 2340 Fort Xxxxx, IN 46801 URL: http:\\www.[annuitynet].com Form 28977 VARIABLE ACCOUNT OF YOUR ANNUITY CONTRACT IS GUARANTEED TO BE CREDITED AN INITIAL EFFECTIVE ANNUAL INTEREST RATE OF 4.500% THROUGH 04/09/1992There are currently [fourteen] Subaccounts in the Variable Account available to the Owner. ARTICLE I PURCHASE PAYMENTSThe Owner may direct Purchase Payments under the Contract to any of the available Subaccounts, subject to limitations. The amounts allocated to each Subaccount will be invested at net asset value in the shares of one of the regulated investment companies (the Funds or Series). The Funds or Series are:

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.E G, NO CONTINGENT DEFERRED SALES CHARGE WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE HOME OFFICE OF LNLLL&A AT 000 XXXXXXX XXXXXX, XXXXX 0000 XXXXXXXX, XXX XXXX, 00000. UPON CANCELLATION, LNL LL&A WILL RETURN THE VALUE OF ANY PAYMENTS MADE TO THE VARIABLE ACCOUNT AND/OR ANY PURCHASE PAYMENT PAID UNDER THE FIXED PORTION OF THE CONTRACT. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. AMOUNT SEE PAGES 4 5 AND 610. 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/ Xxx X. Xxxxx XXX X. XXXXXX, PRESIDENT XXX X. XXXXX, SECOND VICE PRESIDENT TABLE OF CONTENTS ARTICLE PAGE 1 DEFINITIONS 4 2 PURCHASE PAYMENTS, OPTIONS 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 1,1969 1, 1969 PURCHASE PAYMENT $1,500.00 PURCHASE PAYMENT FREQUENCY MONTHLY MATURITY DATE APRIL 1, 2039 OWNER XXXXXXX XXXXXXX XXXX XXXXXXX XXXX XXXXXXX BENEFICIARY DESIGNATION AS NAMED PLEASE REFER TO THE CLIENT INFORMATION PROFILE FOR BENEFICIARY DESIGNATION. VARIABLE ACCOUNT THERE ARE CURRENTLY NINE SUB-ACCOUNTS IN APPLICATION OR SUBSEQUENT WRITTEN DESIGNATION THE PORTION VARIABLE ACCOUNT AVAILABLE TO THE OWNER. THE OWNER MAY DIRECT PURCHASE PAYMENTS UNDER THE CONTRACT TO ANY OF YOUR INITIAL PURCHASE PAYMENT THE AVAILABLE SUB-ACCOUNTS, SUBJECT TO LIMITATIONS. THE AMOUNTS ALLOCATED TO EACH SUB-ACCOUNT WILL BE INVESTED AT NET ASSET VALUE IN THE FIXED ACCOUNT SHARES OF YOUR ANNUITY CONTRACT IS GUARANTEED TO BE CREDITED AN INITIAL EFFECTIVE ANNUAL INTEREST RATE ONE OF 4.500% THROUGH 04/09/1992THE FUNDS OF THE AMERICAN VARIABLE INSURANCE SERIES (SERIES). ARTICLE I PURCHASE PAYMENTSTHE FUNDS ARE:

DAY RIGHT TO EXAMINE CONTRACT. WITHIN You may cancel this contract for any reason within 30 days of receipt (or any longer period as may be required by applicable law in the state where this contract was delivered or issued for delivery) by sending written notice of cancellation to the Company or to an agent of the Company, by phone at {0-000-000-0000} or by return of this contract to the office of the Company. Upon cancellation, the Company will return the Purchase Payments paid, less any proceeds paid by the Company. 22-D-RILA-BASE 1 05/22 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 AVAILABLE STRATEGIES 8 XXXXXXXXXXX AND SURRENDERS 8 WITHDRAWAL CHARGES 9 SURRENDER VALUE 10 DAYS AFTER SECTION III – PROVISIONS FOLLOWING THE DEATH OF AN OWNER OR ANNUITANT 10 DEATH OF AN OWNER (DEATH BENEFIT) 11 DEATH OF THE ANNUITANT 11 SECTION IV – SETTLEMENT AND 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 IS FIRST RECEIVED, IT MAY BE CANCELLED 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 ANY REASON WITHOUT PENALTY (E.G., NO CONTINGENT DEFERRED SALES CHARGE WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE HOME OFFICE OF LNL. UPON CANCELLATION, LNL WILL RETURN THE VALUE OF ANY PAYMENTS MADE TO THE VARIABLE ACCOUNT AND/OR ANY PURCHASE PAYMENT PAID UNDER THE FIXED PORTION OF THE CONTRACT. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE PAGES 4 AND 6. Signed for The Lincoln National Life Insurance Company at its Home Office LEGAL ACTIONS 16 22-D-RILA-BASE 2 05/22 Capitalized terms have specific definitions as detailed in Fort Xxxxx, Indiana. /s/ Xxx X. Xxxxxx /s/ Xxx X. Xxxxx XXX X. XXXXXX, PRESIDENT XXX X. XXXXX, SECOND VICE PRESIDENT TABLE OF CONTENTS ARTICLE PAGE CONTRACT NUMBER XX-0123456 ANNUITANT XXXXXXX XXXXXXX AGE AT ISSUE 35 CONTRACT DATE APRIL 1,1969 PURCHASE PAYMENT $1,500.00 PURCHASE PAYMENT FREQUENCY MONTHLY MATURITY DATE APRIL 1, 2039 XXXXXXX XXXXXXX XXXX XXXXXXX XXXX XXXXXXX BENEFICIARY DESIGNATION AS NAMED IN APPLICATION OR SUBSEQUENT WRITTEN DESIGNATION THE PORTION OF YOUR INITIAL PURCHASE PAYMENT ALLOCATED TO THE FIXED ACCOUNT OF YOUR ANNUITY CONTRACT IS GUARANTEED TO BE CREDITED AN INITIAL EFFECTIVE ANNUAL INTEREST RATE OF 4.500% THROUGH 04/09/1992. ARTICLE I PURCHASE PAYMENTSthis 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 WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE HOME OFFICE OF LNL. UPON CANCELLATION, THIS CONTRACT WILL BE VOID FROM THE BEGINNING AND LNL WILL RETURN THE VALUE OF ANY PAYMENTS MADE TO THE VARIABLE ACCOUNT AND/OR ANY PURCHASE PAYMENT PAID UNDER THE FIXED PORTION OF THE CONTRACT. ALL PAYMENTS AND VALUES PROVIDED PRO VIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. AMOUNT SEE PAGES 4 AND 6. Signed for The Lincoln National Life Insurance Company at its Home Office in Fort Xxxxx, Indiana. /s/ Xxx X. Xxxxxx /s/ Xxx X. Xxxxx Xxxxxxx Xxxxxxxxx XXX X. XXXXXX, PRESIDENT XXX X. XXXXXXXXXXXX XXXXXXXXX, SECOND VICE PRESIDENT TABLE OF CONTENTS ARTICLE PAGE CONTRACT DATA CONTRACT NUMBER XX-0123456 ANNUITANT XXXXXXX XXXXXXX AGE AT ISSUE 35 CONTRACT DATE APRIL 1,1969 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 AS NAMED IN APPLICATION OR SUBSEQUENT WRITTEN DESIGNATION THE PORTION OF YOUR INITIAL PURCHASE PAYMENT ALLOCATED TO THE FIXED ACCOUNT OF YOUR ANNUITY CONTRACT IS GUARANTEED TO BE CREDITED AN INITIAL EFFECTIVE ANNUAL INTEREST RATE OF 4.500% THROUGH 04/09/1992. ARTICLE I PURCHASE PAYMENTS

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 SURRENDER CHARGE WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE HOME OFFICE OF LNL, OR BY CANCELING THE CONTRACT THROUGH LNL'S INTERNET SERVICE CENTER. THE PURCHASE PAYMENT WILL BE INVESTED IN THE LINCOLN NATIONAL MONEY MARKET FUND DURING THIS FREE LOOK PERIOD. UPON CANCELLATION, LNL WILL RETURN THE VALUE OF ANY PAYMENTS MADE TO THE VARIABLE ACCOUNT AND/OR ANY PURCHASE PAYMENT PAID UNDER THE FIXED PORTION OF THE CONTRACTACCOUNT. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, CONTRACT ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. AMOUNT (SEE PAGES 4 SECTIONS 2 AND 63). Signed for The the Lincoln National Life Insurance Company at its Home Office in Fort Xxxxx, Indiana. /s/ Xxx X. Xxxxxx /s/ Xxx X. Xxxxx XXX X XXXXXX, PRESIDENT XXXXX X. XXXXXX, PRESIDENT XXX X. XXXXX, SECOND VICE PRESIDENT Form 28977 TABLE OF CONTENTS ARTICLE PAGE DEFINITIONS 1 PURCHASE PAYMENTS, OPTIONS, AND BENEFITS 2 ANNUITY PAYOUT OPTION BENEFITS 3 BENEFICIARY 4 GENERAL PROVISIONS 5 ANNUITY PURCHASE RATES UNDER A VARIABLE PAYMENT OPTION Form 28977 CONTRACT NUMBER NUMBER: XX-0123456 CONTRACT OWNER INFORMATION PRIMARY JOINT ------- ----- CONTRACT OWNER: Xxxxxxx Xxxxxxx Xxxx Xxxxxxx CONTRACT OWNER ADDRESS: 0000 Xxxxxx Xxxxxx 0000 Xxxxxx Xxxxxx Xxxxxxxxxxxx, XX 00000 Xxxxxxxxxxxx, XX 00000 CONTRACT OWNER SSN/TAX ID: 000-00-0000 000-00-0000 ANNUITANT XXXXXXX XXXXXXX AGE AT ISSUE 35 INFORMATION ANNUITANT: Xxxxxxx Xxxxxxx DATE OF BIRTH: 2/17/1938 SEX: Male Contingent Annuitant: Xxxx Xxxxxxx DATE OF BIRTH: 4/12/1938 SEX: Female CONTRACT INFORMATION TYPE OF CONTRACT: Non-Qualified EFFECTIVE DATE: July 1, 1998 MATURITY DATE APRIL 1,1969 July 1, 2048 PRODUCT: [eAnnuity] PURCHASE PAYMENT PAYMENT: $1,500.00 PURCHASE PAYMENT FREQUENCY MONTHLY MATURITY DATE APRIL 1, 2039 XXXXXXX XXXXXXX XXXX XXXXXXX XXXX XXXXXXX BENEFICIARY DESIGNATION AS NAMED IN APPLICATION OR SUBSEQUENT WRITTEN DESIGNATION THE PORTION OF YOUR INITIAL FREQUENCY: Monthly PURCHASE PAYMENT ALLOCATED TO THE FIXED ALLOCATION: 25% Lincoln National Managed Fund, Inc. 75% Lincoln National Growth and Income Fund, Inc. BENEFICIARY INFORMATION Beneficiary Name: Xxxx Xxxxxxx Relationship: son LINCOLN NATIONAL LIFE INSURANCE COMPANY CONTACT INFORMATION Lincoln National Life Insurance Company P.O. Box 2340 Fort Xxxxx, IN 46801 URL: http:\\www.[annuitynet].com Form 28977 VARIABLE ACCOUNT OF YOUR ANNUITY CONTRACT IS GUARANTEED TO BE CREDITED AN INITIAL EFFECTIVE ANNUAL INTEREST RATE OF 4.500% THROUGH 04/09/1992There are currently [fourteen] Subaccounts in the Variable Account available to the Owner. ARTICLE I PURCHASE PAYMENTSThe Owner may direct Purchase Payments under the Contract to any of the available Subaccounts, subject to limitations. The amounts allocated to each Subaccount will be invested at net asset value in the shares of one of the regulated investment companies (the Funds or Series). The Funds or Series are:

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 WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE REPRESENTATIVE THROUGH WHOM IT WAS PURCHASED OR THE HOME OFFICE OF LNL. UPON CANCELLATION, THIS CONTRACT SHALL BE VOID FROM THE BEGINNING AND LNL WILL RETURN THE VALUE OF ANY PAYMENTS PAYMENT MADE TO THE VARIABLE ACCOUNT AND/OR ANY PURCHASE PAYMENT PAID UNDER THE FIXED PORTION OF THE CONTRACT. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE PAGES 4 AND 6. Signed for The Lincoln National Life Insurance Company at its Home Office in Fort Xxxxx, Indiana. /s/ Xxx XXX X. Xxxxxx XXXXXX /s/ Xxx X. Xxxxx XXXXXXX XXXXXXXXX XXX X. XXXXXX, PRESIDENT XXX X. XXXXXXXXXXXX XXXXXXXXX, SECOND VICE PRESIDENT TABLE OF CONTENTS ARTICLE PAGE 3 BENEFICIARY 7 4 GENERAL PROVISIONS 8 5 ANNUITY PURCHASE RATES UNDER A VARIABLE PAYMENT OPTION 9 6 ANNUITY PURCHASE RATES UNDER A FIXED PAYMENT OPTION 10 7 GUARANTEED VALUES FOR FIXED ALLOCATIONS 11 CONTRACT DATA CONTRACT NUMBER XX-0123456 ANNUITANT XXXXXXX XXXXXXX AGE AT ISSUE 35 CONTRACT DATE APRIL 1,1969 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 AS NAMED IN APPLICATION OR SUBSEQUENT WRITTEN DESIGNATION THE PORTION OF YOUR INITIAL PURCHASE PAYMENT ALLOCATED TO THE FIXED ACCOUNT OF YOUR ANNUITY CONTRACT IS GUARANTEED TO BE CREDITED AN INITIAL EFFECTIVE ANNUAL INTEREST RATE OF 4.500% THROUGH 04/09/1992. ARTICLE I PURCHASE PAYMENTS.

DAY RIGHT TO EXAMINE CONTRACT. WITHIN 10 DAYS AFTER THIS CONTRACT IS FIRST RECEIVEDWithin ten days of the date of receipt of this Contract by the Owner, IT MAY BE CANCELLED FOR ANY REASON WITHOUT PENALTY (E.G.it may be returned by delivering or mailing it to First SAFECO or to the agent through whom it was purchased. When this Contract is received by First SAFECO, NO CONTINGENT DEFERRED SALES CHARGE WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE HOME OFFICE OF LNLit will be voided as if it had never been in force, and First SAFECO will refund the greater of Purchase Payments or the Contract Value. UPON CANCELLATIONFirst SAFECO also reserves the right to allocate all payments to the Money Market Sub-Account until the expiration of 15 days from the date the first Purchase Payment is received. Signed for the Company /s/ R.A. Xxxxxxx Xx. /s/ R.E. Zunkxx X.X. Xxxxxxx Xx. R.E. Zunkxx Xxxe President and Secretary President BRIEF DESCRIPTION Individual Variable Annuity, LNL WILL RETURN THE VALUE OF ANY PAYMENTS MADE TO THE VARIABLE ACCOUNT AND/OR ANY PURCHASE PAYMENT PAID UNDER THE FIXED PORTION OF THE CONTRACTModified Single Premium Deferred Annuity, Non-Participating, Monthly Income at Annuity Date, Cash Value Payable at Death of Owner before Annuity Date. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN CONTRACT THAT ARE HELD IN THE SEPARATE ACCOUNT ARE BASED ON THE INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNTACCOUNT AND ARE, ARE THEREFORE, VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE PAGES 4 AND 6. Signed for The Lincoln National Life Insurance Company at its Home Office in Fort Xxxxx, Indiana. /s/ Xxx X. Xxxxxx /s/ Xxx X. Xxxxx XXX X. XXXXXX, PRESIDENT XXX X. XXXXX, SECOND VICE PRESIDENT TABLE OF CONTENTS ARTICLE PAGE CONTRACT NUMBER XX-0123456 ANNUITANT XXXXXXX XXXXXXX AGE AT ISSUE 35 CONTRACT DATE APRIL 1,1969 PURCHASE PAYMENT $1,500.00 PURCHASE PAYMENT FREQUENCY MONTHLY MATURITY DATE APRIL 1, 2039 XXXXXXX XXXXXXX XXXX XXXXXXX XXXX XXXXXXX BENEFICIARY DESIGNATION AS NAMED IN APPLICATION OR SUBSEQUENT WRITTEN DESIGNATION THE PORTION SECTION D OF YOUR INITIAL PURCHASE PAYMENT ALLOCATED TO CONTRACT FOR DETAILS REGARDING THE FIXED SEPARATE ACCOUNT OF YOUR ANNUITY CONTRACT IS GUARANTEED TO BE CREDITED AN INITIAL EFFECTIVE ANNUAL INTEREST RATE OF 4.500% THROUGH 04/09/1992PROVISIONS. ARTICLE I PURCHASE PAYMENTSThe smallest annual rate of investment return which would have to be earned on the assets of the Separate Account so that the dollar amount of Variable Annuity payments will not decrease is 4%. LPC-617/NY 6/96 (R) Registered Trademark of SAFECO Corporation 2 SECTION A: DEFINITIONS ................................................... 1 Annuitant ......................................................... 1

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 WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE HOME OFFICE OFFLCE OF LNL. UPON CANCELLATION, LNL WILL RETURN THE VALUE OF ANY PAYMENTS MADE TO THE VARIABLE ACCOUNT AND/OR ANY PURCHASE PAYMENT PAID UNDER THE FIXED PORTION OF THE CONTRACT. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE PAGES 4 AND 6. Signed for The Lincoln National Life Insurance Company at its Home Office in Fort Xxxxx, Indiana. /s/ Xxx X. Xxxxxx /s/ Xxx X. Xxxxx XXX Xxx X. XXXXXXXxxxxx, PRESIDENT XXX President Xxx X. XXXXXXxxxx, SECOND VICE PRESIDENT Second Vice President TABLE OF CONTENTS ARTICLE PAGE CONTRACT DATA CONTRACT NUMBER XX-0123456 XX-01 23456 ANNUITANT XXXXXXX XXXXXXX AGE AT ISSUE 35 CONTRACT DATE APRIL 1,1969 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 AS NAMED IN APPLICATION OR SUBSEQUENT WRITTEN DESIGNATION THE PORTION OF YOUR INITIAL PURCHASE PAYMENT ALLOCATED TO THE FIXED ACCOUNT OF YOUR ANNUITY CONTRACT IS GUARANTEED TO BE CREDITED AN INITIAL EFFECTIVE ANNUAL INTEREST RATE OF The portion of your Initial purchase payment allocated to the Fixed Account of your Annuity Contract is guaranteed to be credited an initial effective annual Interest rate of 4.500% THROUGH through 04/09/1992. ARTICLE I PURCHASE PAYMENTSThe $25.00 account charge referenced in Section 2.11 will not apply to your Contract.