Common use of Variable Account Clause in Contracts

Variable Account. Purchase Payments under the Contract may be allocated to the Lincoln Life & Annuity Variable Annuity Account H (Variable Account) and/or to the Fixed Account of the Contract. The Variable Account is for the exclusive benefit of persons entitled to receive benefits under variable annuity contracts. The Variable Account will not be charged with the liabilities arising from any other part of LL&A's business. The Owner may direct Purchase Payments under the Contract to any of the available Sub-accounts subject to the following limitations. A minimum payment to any one Sub-account must be at least $20. If the Owner elects to direct Purchase Payments to a new Sub-account not previously selected, the election must be in writing to LL&A or by telephone transfer provided LL&A has received the appropriate authorization. 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 shown on Page 3 of the Contract. LL&A reserves the right to eliminate the shares of any Fund and substitute the securities of a different Fund or investment company or mutual fund if the shares of a Fund are no longer available for investment, or, if in the judgment of LL&A, further investment in any Fund should become inappropriate in view of the purposes of the Contract. LL&A may add a new Sub-account in order to invest the assets of the Variable Account into a Fund. LL&A shall give the Owner written notice of the elimination and substitution of any Fund within fifteen days after such substitution occurs. LL&A shall use each Purchase Payment allocated to the Variable Account by the Owner to buy Accumulation Units in the Sub-account(s) selected by the Owner. The number of Accumulation Units bought shall be determined by dividing the amount directed to the Sub-account by the dollar value of an Accumulation Unit in such Sub-account as of the point of the next valuation of such Sub-account immediately following receipt of the Purchase Payment at the Home Office of LL&A. The number of Accumulation Units held for the Variable Account of an Owner shall not be changed by any change in the dollar value of Accumulation Units in any Sub-account.

Variable Account. Purchase Payments under the Contract may be allocated to the Lincoln National Life & Annuity Variable Annuity Account H E (Variable Account) and/or to the Fixed Account fixed portion of the Contract. The Variable Account is for the exclusive benefit of persons entitled to receive benefits under variable annuity contracts. The Variable Account will not be charged with the liabilities arising from any other part of LL&ALNL's business. There are currently five sub-accounts in the Variable Account. The Owner may direct Purchase Payments under the Contract to any of the available Subsub-accounts subject to the following limitations. A minimum payment to any one Subsub-account must be at least $20. If the Owner elects to direct Purchase Payments to a new Subsub-account not previously selected, the election must be in writing to LL&A or by telephone transfer provided LL&A has received LNL. All the appropriate authorization. The amounts allocated to each Subsub-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 shown on Page 3 of the Contractare: 1. LL&A Cash Management Fund 2. High-Yield Bond Fund 3. Growth-Income Fund 4. Growth Fund 5. U.S. Government Guaranteed/AAA-Rated Securities Fund 6. Other Funds made available by LNL. LNL reserves the right to eliminate the shares of any Fund and substitute the securities of a different Fund or investment company or mutual fund if the shares of a Fund are no longer available for investment, or, if in the judgment of LL&ALNL, further investment in any Fund should become inappropriate in view of the purposes of the Contract. LL&A LNL may add a new Subsub-account in order to invest the assets of a Fund in the Variable Account into a FundAccount. LL&A LNL shall give the Owner written notice of the elimination and substitution of any Fund within fifteen five days after such substitution occurs. LL&A LNL shall use each Purchase Payment allocated to the Variable Account by the Owner to buy Accumulation Units in the Subsub-account(s) selected by the Owner. The number of Accumulation Units bought shall be determined by dividing the amount directed to the Subsub-account by the dollar value of an Accumulation Unit in such Subsub-account as of the point of the next valuation of such Sub-account immediately following receipt of day the Purchase Payment is received at the Home Office of LL&A. LNL. The number of Accumulation Units held for the Variable Account account of an Owner Annuitant shall not be changed by any change in the dollar value of Accumulation Units in any Subsub-account.

Variable Account. Purchase Payments under the Contract may be allocated to the Lincoln Life & Annuity National Variable Annuity Account H (Variable Account) and/or to the Fixed Account of the Contract. The Variable Account is for the exclusive benefit of persons entitled to receive benefits under variable annuity contracts. The Variable Account will not be charged with the liabilities arising from any other part of LL&ALNL's business. The Owner may direct Purchase Payments under the Contract to any of the available Sub-accounts subject to the following limitations. A minimum payment to any one Sub-account must be at least $20. If the Owner elects to direct Purchase Payments to a new Sub-account not previously selected, the election must be in writing to LL&A LNL or by telephone transfer provided LL&A LNL has received the appropriate authorization. The amounts allocated to each Sub-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 shown on Page 3 of the Contract. LL&A LNL reserves the right to eliminate the shares of any Fund and substitute the securities of a different Fund or investment company or mutual fund if the shares of a Fund are no longer available for investment, or, if in the judgment of LL&ALNL, further investment in any Fund should become inappropriate in view of the purposes of the Contract. LL&A LNL may add a new Sub-account in order to invest the assets of the Variable Account into a Fund. LL&A LNL shall give the Owner written notice of the elimination and substitution of any Fund within fifteen days after such substitution occurs. LL&A LNL shall use each Purchase Payment allocated to the Variable Account by the Owner to buy Accumulation Units in the Sub-account(s) selected by the Owner. The number of Accumulation Units bought shall be determined by dividing the amount directed to the Sub-account by the dollar value of an Accumulation Unit in such Sub-account as of the point of the next valuation of such Sub-account immediately following receipt of the Purchase Payment at the Home Office of LL&A. LNL. The number of Accumulation Units held for the Variable Account of an Owner shall not be changed by any change in the dollar value of Accumulation Units in any Sub-account.

Variable Account. Net Purchase Payments under the Contract may be allocated to the Lincoln Life & Annuity National Variable Annuity Account H (Variable Account) and/or to the Fixed Account of the Contract. The Variable Account is for the exclusive benefit of persons entitled to receive benefits under variable annuity contracts. The Variable Account will not be charged with the liabilities arising from any other part of LL&ALNL's business. The Owner may direct Net Purchase Payments under the Contract to any of the then available Variable Sub-accounts subject to the following limitations. A minimum payment : 1) the allocation to any one Variable Sub-account must be at least $20. . 2) If the Owner elects to direct Net Purchase Payments to a new Variable Sub-account not previously selected, the that election must be made in writing to LL&A LNL or may be made by telephone transfer provided LL&A LNL has received the appropriate authorizationauthorization from the Owner for telephone transfers in accordance with LNL procedures. The amounts allocated to each Variable 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 shown on Page 3 of the ContractContract Data page. LL&A Subject to any required regulatory approvals, LNL reserves the right to eliminate the shares of any Fund and substitute the securities shares of a different Fund or investment company or mutual fund if the shares of a Fund are no longer available for investment, or, if in the judgment of LL&ALNL, further investment in any Fund should become inappropriate in view of the purposes of the Contract. LL&A LNL may add a new Sub-account Variable Subaccount in order to invest the assets of the Variable Account into a Fund. LL&A shall LNL will give the Owner written notice of the elimination and substitution of any Fund within fifteen days after such substitution occurs. LL&A shall LNL will use each Net Purchase Payment allocated to the Variable Account by the Owner to buy Accumulation Units in the Variable Sub-account(s) selected by the Owner. The number of Accumulation Units bought shall will be determined by dividing the amount directed to the Variable Sub-account by the dollar value of an Accumulation Unit in such Variable Sub-account as of the point of the next valuation of such Sub-account determined, immediately following receipt of the Net Purchase Payment at the Home Office of LL&A. LNL. The number of Accumulation Units held for the Variable Account of an Owner shall will not be changed by any change in the dollar value of Accumulation Units in any Variable Sub-account.

Variable Account. Net Purchase Payments under the Contract may be allocated to the Lincoln Life & Annuity National Variable Annuity Account H (Variable Account) and/or to the Fixed Account of the Contract. The Variable Account is for the exclusive benefit of persons entitled to receive benefits under variable annuity contracts. The Variable Account will not be charged with the liabilities arising from any other part of LL&ALNL's business. The Owner may direct Net Purchase Payments under the Contract to any of the then available Variable Sub-accounts subject to the following limitations. A minimum payment : 1) the allocation to any one Variable Sub-account must be at least $20. . 2) If the Owner elects to direct Net Purchase Payments to a new Variable Sub-account not previously selected, the that election must be made in writing to LL&A LNL or may be made by telephone transfer provided LL&A LNL has received the appropriate authorizationauthorization from the Owner for telephone transfers in accordance with LNL procedures. The amounts allocated to each Variable 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 shown on Page 3 of the ContractContract Data page. LL&A Subject to any required regulatory approvals, LNL reserves the right to eliminate the shares of any Fund and substitute the securities shares of a different Fund or investment company or mutual fund if the shares of a Fund are no longer available for investment, or, if in the judgment of LL&ALNL, further investment in any Fund should become inappropriate in view of the purposes of the Contract. LL&A LNL may add a new Variable Sub-account in order to invest the assets of the Variable Account into a Fund. LL&A shall LNL will give the Owner written notice of the elimination and substitution of any Fund within fifteen days after such substitution occurs. LL&A shall LNL will use each Net Purchase Payment allocated to the Variable Account by the Owner to buy Accumulation Units in the Variable Sub-account(s) selected by the Owner. The number of Accumulation Units bought shall will be determined by dividing the amount directed to the Variable Sub-account by the dollar value of an Accumulation Unit in such Variable Sub-account as of the point of the next valuation of such Sub-account determined, immediately following receipt of the Net Purchase Payment at the Home Office of LL&A. LNL. The number of Accumulation Units held for the Variable Account of an Owner shall will not be changed by any change in the dollar value of Accumulation Units in any Variable Sub-account.

Variable Account. Purchase Payments under the Contract may be allocated to the Lincoln Life & Annuity Variable Annuity Account H (Variable Account) and/or to the Fixed Account of the Contract. The Variable Account is for the exclusive benefit of persons entitled to receive benefits under variable annuity contracts. The Variable Account will not be charged with the liabilities arising from any other part of LL&A's business. The Owner may direct Purchase Payments under the Contract to any of the available Sub-accounts subject to the following limitations. A minimum payment to any one Sub-account must be at least $20. If the Owner elects to direct Purchase Payments to a new Sub-account not previously selected, the election must be in writing to LL&A or by telephone transfer provided LL&A has received the appropriate authorizationat its Servicing Office. 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 shown on Page 3 of the Contract. LL&A reserves the right to eliminate the shares of any Fund and substitute the securities of a different Fund or investment company or mutual fund if the shares of a Fund are no longer available for investment, or, if in the judgment of LL&A, further investment in any Fund should become inappropriate in view of the purposes of the Contract. LL&A may add a new Sub-account in order to invest the assets of the Variable Account into a Fund. LL&A shall give the Owner written notice of the elimination and substitution of any Fund within fifteen days after such substitution occurs. None of these changes shall take effect without the prior approval of the New York Superintendent of Insurance. LL&A shall use each Purchase Payment allocated to the Variable Account by the Owner to buy Accumulation Units in the Sub-account(s) selected by the Owner. The number of Accumulation Units bought shall be determined by dividing the amount directed to the Sub-account by the dollar value of an Accumulation Unit in such Sub-account as of the point of the next valuation of such Sub-account immediately following receipt of the Purchase Payment at the Home Servicing Office of LL&A. The number of Accumulation Units held for the Variable Account of an Owner shall not be changed by any change in the dollar value of Accumulation Units in any Sub-account.