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MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERRED, WITHDRAWN, OR SURRENDERED BY THE OWNER.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 IF THE CONTRACT IS ISSUED AS A REPLACEMENT OF EXISTING LIFE INSURANCE OR ANNUITY COVERAGE, 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 FGWL&A OR THE ANNUITY SERVICE CENTER WITHIN 10 days after this Contract is first receivedDAYS OF RECEIVING IT. THE CONTRACT WILL BE VOID FROM THE START, it AND FGWL&A WILL REFUND THE GREATER OF: 1) CONTRIBUTIONS (LESS ANY WITHDRAWALS AND DISTRIBUTIONS TAKEN DURING THE FREE LOOK PERIOD); OR 2) THE ANNUITY ACCOUNT VALUE. FLEXIBLE PREMIUM VARIABLE ANNUITY. Contributions may be cancelled for any reason without penalty (e.g., no Contingent Deferred Sales Charge and no Market Value Adjustment will apply) by delivering made until the Payout Commencement Date or mailing it until the death benefit is payable to the representative through whom it was purchased or to the Home Office of LNLa Beneficiary. Upon cancellation, LNL will return The Owner is as shown on the Contract Value Data Page unless changed 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 provided for in this Contract. If FGWL&A will pay the Contract Value Annuitant the first of a series of annuity payouts on the date Annuity Commencement Date by applying the Owner’s Annuity Account Value according to the Payout Options Provisions. Subsequent payouts will be paid on the same day of cancellation is each frequency period according to the provisions of this Contract. Any paid-up annuity, cash surrender value or death benefits that may be available under this contract will not be less than the sum of Purchase Payments minus withdrawals, LNL will also return the net investment loss on minimum benefits required by any statute in which this Contract and fund management fees each contract is delivered. Non-Participating. Not eligible to share 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)FGWL&A’s divisible surplus. Signed for The Lincoln National First Great-West Life & Annuity Insurance Company at its Home Office in Fort Xxxxxon the issuance of this Contract. [Rxxxxxx Xxxxxxx,] [Secretary] [W.X. XxXxxxxx,] [President and Chief Executive Officer] J444NY (07) Annuity Contract Number: [1234567] Owner: [JXXX X. XXX] Effective Date: [March 1, Indiana. /s/ Xxx 2004] Date of Birth: [April 1, 1969] Status of Annuity: Non-Qualified Tax ID Number: [100-00-0000] Initial Contribution: [$50,000] Joint Owner: [JXXX X. Xxxxxx /s/ Xxxxx XXX] Annuity Commencement Date: [March 1, 2014] Date of Birth: [November 12, 1973] Tax ID Number: [###-##-####] Annuitant: [JXXX X. Xxxxxx Xxx X. XxxxxxXXX] Date of Birth: [June 6, President Xxxxx X. Xxxxxx1989] Date of Birth: [March 22, Vice President Table 1967] Tax ID Number: [###-##-####] Tax ID Number: [###-##-####] Date of ContentsBirth: [January 17, 1981] Tax ID Number: [###-##-####] Date of Birth: [January 17, 1981] Tax ID Number: [###-##-####] J444NY Page 1

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 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 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