Common use of Variable Account Clause in Contracts

Variable Account. Net Purchase Payments under the Contract may be allocated to the Lincoln National Variable Annuity Account H (Variable 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 LNL'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: 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, that election must be made in writing to LNL or may be made by telephone transfer provided LNL has received the appropriate authorization 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 the Contract Data page. Subject to any required regulatory approvals, LNL reserves the right to eliminate the shares of any Fund and substitute the 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 LNL, further investment in any Fund should become inappropriate in view of the purposes of the Contract. LNL may add a new Variable Sub-account in order to invest the assets of the Variable Account into a Fund. LNL will give the Owner written notice of the elimination and substitution of any Fund within fifteen days after such substitution occurs. 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 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 next determined, immediately following receipt of the Net Purchase Payment at the Home Office of LNL. The number of Accumulation Units held for the Variable Account of an Owner 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 National 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 LNLLL&A'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: 1) the allocation . A minimum payment 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, that the election must be made in writing to LNL LL&A or may be made by telephone transfer provided LNL LL&A has received the appropriate authorization from the Owner for telephone transfers in accordance with LNL proceduresauthorization. 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 Contract Data pageContract. Subject to any required regulatory approvals, LNL LL&A reserves the right to eliminate the shares of any Fund and substitute the shares 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 LNLLL&A, further investment in any Fund should become inappropriate in view of the purposes of the Contract. LNL LL&A may add a new Variable Sub-account in order to invest the assets of the Variable Account into a Fund. LNL will LL&A shall give the Owner written notice of the elimination and substitution of any Fund within fifteen days after such substitution occurs. LNL will LL&A shall 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 will shall 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 determined, valuation of such Sub-account immediately following receipt of the Net Purchase Payment at the Home Office of LNL. LL&A. The number of Accumulation Units held for the Variable Account of an Owner will shall 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 National Variable Annuity Account H (Variable 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 LNL'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: 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, that election must be made in writing to LNL or may be made by telephone transfer provided LNL has received the appropriate authorization 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 the Contract Data page. Subject to any required regulatory approvals, LNL reserves the right to eliminate the shares of any Fund and substitute the 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 LNL, further investment in any Fund should become inappropriate in view of the purposes of the Contract. LNL may add a new Variable Sub-account Subaccount in order to invest the assets of the Variable Account into a Fund. LNL will give the Owner written notice of the elimination and substitution of any Fund within fifteen days after such substitution occurs. 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 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 next determined, immediately following receipt of the Net Purchase Payment at the Home Office of LNL. The number of Accumulation Units held for the Variable Account of an Owner 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 National 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 LNLLL&A'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: 1) the allocation . A minimum payment 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, that the election must be made in writing to LNL or may be made by telephone transfer provided LNL has received the appropriate authorization from the Owner for telephone transfers in accordance with LNL proceduresLL&A at its Servicing Office. 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 Contract Data pageContract. Subject to any required regulatory approvals, LNL LL&A reserves the right to eliminate the shares of any Fund and substitute the shares 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 LNLLL&A, further investment in any Fund should become inappropriate in view of the purposes of the Contract. LNL LL&A may add a new Variable Sub-account in order to invest the assets of the Variable Account into a Fund. LNL will LL&A shall give the Owner written notice of the elimination and substitution of any Fund within fifteen days after such substitution occurs. LNL will None of these changes shall take effect without the prior approval of the New York Superintendent of Insurance. LL&A shall 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 will shall 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 determined, valuation of such Sub-account immediately following receipt of the Net Purchase Payment at the Home Servicing Office of LNL. LL&A. The number of Accumulation Units held for the Variable Account of an Owner will shall 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 National Life Variable Annuity Account H E (Variable Account) and/or to the 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 LNL's business. There are currently five sub-accounts in the Variable Account. The Owner may direct Net Purchase Payments under the Contract to any of the then available Variable Subsub-accounts subject to the following limitations: 1) the allocation . A minimum payment to any one Variable Subsub-account must be at least $20. 2) . If the Owner elects to direct Net Purchase Payments to a new Variable Subsub-account not previously selected, that the election must be made in writing to LNL or may be made by telephone transfer provided LNL has received LNL. All the appropriate authorization from the Owner for telephone transfers in accordance with LNL procedures. The amounts allocated to each Variable 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 the Contract Data pageare: 1. Subject to any required regulatory approvals, 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 shares 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 LNL, further investment in any Fund should become inappropriate in view of the purposes of the Contract. LNL may add a new Variable Subsub-account in order to invest the assets of a Fund in the Variable Account into a FundAccount. LNL will shall give the Owner written notice of the elimination and substitution of any Fund within fifteen five days after such substitution occurs. LNL will shall use each Net Purchase Payment allocated to the Variable Account by the Owner to buy Accumulation Units in the Variable Subsub-account(s) selected by the Owner. The number of Accumulation Units bought will shall be determined by dividing the amount directed to the Variable Subsub-account by the dollar value of an Accumulation Unit in such Variable Subsub-account next determined, immediately following receipt as of the Net day the Purchase Payment is received at the Home Office of LNL. The number of Accumulation Units held for the Variable Account account of an Owner will Annuitant shall not be changed by any change in the dollar value of Accumulation Units in any Variable Subsub-account.

Variable Account. Net Purchase Payments under the Contract may be allocated to the Lincoln 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 LNL'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: 1) the allocation . A minimum payment 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, that the election must be made in writing to LNL or may be made by telephone transfer provided LNL has received the appropriate authorization from the Owner for telephone transfers in accordance with LNL proceduresauthorization. The amounts allocated to each Variable 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 Data pageContract. Subject to any required regulatory approvals, LNL reserves the right to eliminate the shares of any Fund and substitute the shares 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 LNL, further investment in any Fund should become inappropriate in view of the purposes of the Contract. LNL may add a new Variable Sub-account in order to invest the assets of the Variable Account into a Fund. LNL will shall give the Owner written notice of the elimination and substitution of any Fund within fifteen days after such substitution occurs. LNL will shall 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 will shall 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 determined, valuation of such Sub-account immediately following receipt of the Net Purchase Payment at the Home Office of LNL. The number of Accumulation Units held for the Variable Account of an Owner will shall not be changed by any change in the dollar value of Accumulation Units in any Variable Sub-account.