Common use of CREDITING OF INTEREST ON FIXED ACCOUNT Clause in Contracts

CREDITING OF INTEREST ON FIXED ACCOUNT. LNL will establish the applicable effective annual Guaranteed Interest Rate for each Fixed Sub-account at the beginning of that Guaranteed Period. The Guaranteed Interest Rate will be guaranteed for the duration of the applicable Guaranteed Period. Subsequent Guaranteed Interest Rate(s) will be determined at the beginning of subsequent Guaranteed Period(s) and may be higher or lower than the previous interest rate. A Guaranteed Interest Rate will never be less than an effective annual interest rate of 3.0%. LNL may credit interest at effective annual rates in excess of 3.0% at any time. Prior to the earlier of: a. the Annuity Commencement Date; b. termination of this Contract upon payment of any Death Benefit; or c. surrender of this Contract; LNL guarantees that at the end of each Valuation Period the applicable effective annual interest rate, adjusted for the number of days in the Valuation Period, will be credited to the portion of Contract Value, if any, in the Fixed Account at that time.

CREDITING OF INTEREST ON FIXED ACCOUNT. LNL LNY will establish the applicable effective annual Guaranteed Interest Rate for each Fixed Sub-account at the beginning of that Guaranteed Period. The Guaranteed Interest Rate will be guaranteed for the duration of the applicable Guaranteed Period. Subsequent Guaranteed Interest Rate(s) will be determined at the beginning of subsequent Guaranteed Period(s) and may be higher or lower than the previous interest rate. A Guaranteed Interest Rate will never be less than an effective annual interest rate of 3.0%. LNL LNY may credit interest at effective annual rates in excess of 3.0% at any time. Prior to the earlier of: a. the Annuity Commencement Date; b. termination of this Contract upon payment of any Death Benefit; or c. surrender of this Contract; LNL LNY guarantees that at the end of each Valuation Period the applicable effective annual interest rate, adjusted for the number of days in the Valuation Period, will be credited to the portion of Contract Value, if any, in the Fixed Account at that time.

CREDITING OF INTEREST ON FIXED ACCOUNT. LNL LNY will establish the applicable effective annual Guaranteed Interest Rate for each Fixed Sub-account at the beginning of that Guaranteed Period. The Guaranteed Interest Rate will be guaranteed for the duration of the applicable Guaranteed Period. Subsequent Guaranteed Interest Rate(s) will be determined at the beginning of subsequent Guaranteed Period(s) and may be higher or lower than the previous interest rate. A Guaranteed Interest Rate will never be less than an effective annual interest rate of 3.0%. LNL LNY may credit interest at effective annual rates in excess of 3.0% at any time. Prior to the earlier of: a. the Annuity Commencement Date; ; b. termination of this Contract upon payment of any Death Benefit; or or c. surrender of this Contract; LNL LNY guarantees that at the end of each Valuation Period the applicable effective annual interest rate, adjusted for the number of days in the Valuation Period, will be credited to the portion of Contract Value, if any, in the Fixed Account at that time.

CREDITING OF INTEREST ON FIXED ACCOUNT. LNL will establish the applicable effective annual Guaranteed Interest Rate for each Fixed Sub-account at the beginning of that Guaranteed Period. The Guaranteed Interest Rate will be guaranteed for the duration of the applicable Guaranteed Period. Subsequent Guaranteed Interest Rate(s) will be determined at the beginning of subsequent Guaranteed Period(s) and may be higher or lower than the previous interest rate. A Guaranteed Interest Rate will never be less than an effective annual interest rate of 3.0%. LNL may credit interest at effective annual rates in excess of 3.0% at any time. Prior to the earlier of: a. the Annuity Commencement Date; b. termination of this Contract upon payment of any Death Benefit; or c. surrender of this Contract; LNL guarantees that at the end of each Valuation Period the applicable effective annual interest rate, adjusted for the number of days in the Valuation Period, will be credited to the portion of Contract Value, if any, in the Fixed Account at that time.

CREDITING OF INTEREST ON FIXED ACCOUNT. LNL will establish the applicable effective annual Guaranteed Interest Rate for each Fixed Sub-account at the beginning of that Guaranteed Period. The Guaranteed Interest Rate will be guaranteed for the duration of the applicable Guaranteed Period. Subsequent Guaranteed Interest Rate(s) will be determined at the beginning of subsequent Guaranteed Period(s) and may be higher or lower than the previous interest rate. A Guaranteed Interest Rate will never be less than an effective annual interest rate of 3.0%. LNL may credit interest at effective annual rates in excess of 3.0% at any time. Form 30422 Page 8 Prior to the earlier of: a. the Annuity Commencement Date; b. termination of this Contract upon payment of any Death Benefit; or c. surrender of this Contract; LNL guarantees that at the end of each Valuation Period the applicable effective annual interest rate, adjusted for the number of days in the Valuation Period, will be credited to the portion of Contract Value, if any, in the Fixed Account at that time.