Common use of ANNUITY PURCHASE RATES UNDER A FIXED PAYMENT OPTION Clause in Contracts

ANNUITY PURCHASE RATES UNDER A FIXED PAYMENT OPTION. DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 APPLIED -------------------------------------------------------------------------------- SINGLE LIFE ANNUITIES -------------------------------------------------------------------------------- No 120 240 Period Months Months Unit Age Certain Certain Certain Refund -------------------------------------------------------------------------------- 60 $4.42 $4.38 $4.22 $4.18 61 4.52 4.47 4.29 4.26 62 4.62 4.56 4.36 4.34 63 4.73 4.66 4.43 4.42 64 4.85 4.77 4.50 4.51 65 4.97 4.89 4.57 4.60 66 5.11 5.01 4.64 4.69 67 5.25 5.13 4.71 4.79 68 5.41 5.27 4.78 4.90 69 5.57 5.41 4.85 5.01 70 5.75 5.56 4.91 5.13 71 5.95 5.71 4.98 5.25 72 6.16 5.88 5.04 5.38 73 6.38 6.05 5.09 5.52 74 6.63 6.23 5.14 5.66 75 6.90 6.42 5.19 5.81 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- JOINT AND SURVIVOR ANNUITIES -------------------------------------------------------------------------------- Joint and Full to Survivor Joint and Two-Thirds to Survivor -------------------------------------------------------------------------------- Certain Period Certain Period -------------------------------------------------------------------------------- Joint None 120 240 Age None 120 240 -------------------------------------------------------------------------------- $4.01 $4.01 $3.98 60 $4.43 $4.38 $4.22 4.09 4.08 4.05 61 4.52 4.47 4.29 4.17 4.16 4.12 62 4.63 4.57 4.36 4.25 4.25 4.19 63 4.74 4.67 4.43 4.34 4.34 4.26 64 4.85 4.78 4.50 4.44 4.43 4.34 65 4.98 4.89 4.57 4.54 4.54 4.42 66 5.11 5.01 4.64 4.66 4.64 4.50 67 5.26 5.13 4.71 4.77 4.76 4.58 68 5.41 5.27 4.78 4.90 4.88 4.66 69 5.57 5.41 4.85 5.04 5.01 4.74 70 5.75 5.55 4.91 5.18 5.15 4.82 71 5.94 5.70 4.98 5.34 5.30 4.89 72 6.14 5.86 5.03 5.51 5.45 4.96 73 6.35 6.03 5.09 5.69 5.62 5.03 74 6.59 6.20 5.14 5.89 5.79 5.09 75 6.84 6.38 5.18 -------------------------------------------------------------------------------- Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age ------------- ----------------- ------------- ----------------- Before 1920 +2 1960-1969 -3 1920-1929 +1 1970-1979 -4 1930-1939 0 1980-1989 -5 1940-1949 -1 1990-1999 -6 1950-1959 -2 ETC. ETC. ANNUITY CONTRACT Flexible Premium Deferred Variable Annuity and/or Market Value Adjusted Annuity With Benefit Payment Options Nonparticipating If you have any questions concerning this Contract, please contact your Lincoln National Life representative or the Home Office of LNL. THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 0000 Xxxxx Xxxxxxx Xxxxxx P.O. Box 7866 Fort Xxxxx, Indiana 46802

ANNUITY PURCHASE RATES UNDER A FIXED PAYMENT OPTION. DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 APPLIED -------------------------------------------------------------------------------- ----------------------------------------------- SINGLE LIFE ANNUITIES -------------------------------------------------------------------------------- ----------------------------------------------- No 120 240 Period Months Months Unit Age Certain Certain Certain Refund -------------------------------------------------------------------------------- ----------------------------------------------- 60 $4.42 $4.38 $4.22 $4.18 61 4.52 4.47 4.29 4.26 62 4.62 4.56 4.36 4.34 63 4.73 4.66 4.43 4.42 64 4.85 4.77 4.50 4.51 65 4.97 4.89 4.57 4.60 66 5.11 5.01 4.64 4.69 67 5.25 5.13 4.71 4.79 68 5.41 5.27 4.78 4.90 69 5.57 5.41 4.85 5.01 70 5.75 5.56 4.91 5.13 71 5.95 5.71 4.98 5.25 72 6.16 5.88 5.04 5.38 73 6.38 6.05 5.09 5.52 74 6.63 6.23 5.14 5.66 75 6.90 6.42 5.19 5.81 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------- --------------------------------------------------------------- JOINT AND SURVIVOR ANNUITIES -------------------------------------------------------------------------------- --------------------------------------------------------------- Joint and Full to Survivor Joint and Two-Thirds to Survivor -------------------------------------------------------------------------------- to Survivor --------------------------------------------------------------- Certain Period Certain Period -------------------------------------------------------------------------------- Joint --------------------------------------------------------------- None 120 240 Joint Age None 120 240 -------------------------------------------------------------------------------- --------------------------------------------------------------- $4.01 $4.01 $3.98 60 $4.43 $4.38 $4.22 4.09 4.08 4.05 61 4.52 4.47 4.29 4.17 4.16 4.12 62 4.63 4.57 4.36 4.25 4.25 4.19 63 4.74 4.67 4.43 4.34 4.34 4.26 64 4.85 4.78 4.50 4.44 4.43 4.34 65 4.98 4.89 4.57 4.54 4.54 4.42 66 5.11 5.01 4.64 4.66 4.64 4.50 67 5.26 5.13 4.71 4.77 4.76 4.58 68 5.41 5.27 4.78 4.90 4.88 4.66 69 5.57 5.41 4.85 5.04 5.01 4.74 70 5.75 5.55 4.91 5.18 5.15 4.82 71 5.94 5.70 4.98 5.34 5.30 4.89 72 6.14 5.86 5.03 5.51 5.45 4.96 73 6.35 6.03 5.09 5.69 5.62 5.03 74 6.59 6.20 5.14 5.89 5.79 5.09 75 6.84 6.38 5.18 -------------------------------------------------------------------------------- --------------------------------------------------------------- Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age ------------- ----------------- ------------- ----------------- Before 1920 +2 + 2 1960-1969 -3 - 3 1920-1929 +1 + 1 1970-1979 -4 - 4 1930-1939 0 1980-1989 -5 - 5 1940-1949 -1 - 1 1990-1999 -6 - 6 1950-1959 -2 - 2 ETC. ETC. ANNUITY CONTRACT Flexible Premium Deferred Variable Annuity and/or Market Value Adjusted or Variable and Fixed Annuity With Benefit Payment Options Nonparticipating If you have any questions concerning this Contract, please contact your Lincoln National Life representative or the Home Office of LNL. THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 0000 Xxxxx Xxxxxxx Xxxxxx P.O. Box 7866 2348 Fort Xxxxx, Indiana 4680246802 000-000-0000

ANNUITY PURCHASE RATES UNDER A FIXED PAYMENT OPTION. DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 APPLIED -------------------------------------------------------------------------------- -------------------------------------------------------------- SINGLE LIFE ANNUITIES -------------------------------------------------------------------------------- -------------------------------------------------------------- No 120 240 Period Months Months Unit Age Certain Certain Certain Refund -------------------------------------------------------------------------------- -------------------------------------------------------------- 60 $4.42 $4.38 $4.22 $4.18 61 4.52 4.47 4.29 4.26 62 4.62 4.56 4.36 4.34 63 4.73 4.66 4.43 4.42 64 4.85 4.77 4.50 4.51 65 4.97 4.89 4.57 4.60 66 5.11 5.01 4.64 4.69 67 5.25 5.13 4.71 4.79 68 5.41 5.27 4.78 4.90 69 5.57 5.41 4.85 5.01 70 5.75 5.56 4.91 5.13 71 5.95 5.71 4.98 5.25 72 6.16 5.88 5.04 5.38 73 6.38 6.05 5.09 5.52 74 6.63 6.23 5.14 5.66 75 6.90 6.42 5.19 5.81 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------- ----------------------------------------------------------------------------- JOINT AND SURVIVOR ANNUITIES -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- Joint and Full to Survivor Joint and Two-Thirds to Survivor -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- Certain Period Certain Period -------------------------------------------------------------------------------- Joint ----------------------------------------------------------------------------- None 120 240 Joint Age None 120 240 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- $4.01 $4.01 $3.98 60 $4.43 $4.38 $4.22 4.09 4.08 4.05 61 4.52 4.47 4.29 4.17 4.16 4.12 62 4.63 4.57 4.36 4.25 4.25 4.19 63 4.74 4.67 4.43 4.34 4.34 4.26 64 4.85 4.78 4.50 4.44 4.43 4.34 65 4.98 4.89 4.57 4.54 4.54 4.42 66 5.11 5.01 4.64 4.66 4.64 4.50 67 5.26 5.13 4.71 4.77 4.76 4.58 68 5.41 5.27 4.78 4.90 4.88 4.66 69 5.57 5.41 4.85 5.04 5.01 4.74 70 5.75 5.55 4.91 5.18 5.15 4.82 71 5.94 5.70 4.98 5.34 5.30 4.89 72 6.14 5.86 5.03 5.51 5.45 4.96 73 6.35 6.03 5.09 5.69 5.62 5.03 74 6.59 6.20 5.14 5.89 5.79 5.09 75 6.84 6.38 5.18 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age ------------- ----------------- ------------- ----------------- Before 1920 +2 + 2 1960-1969 -3 - 3 1920-1929 +1 + 1 1970-1979 -4 - 4 1930-1939 0 1980-1989 -5 - 5 1940-1949 -1 - 1 1990-1999 -6 - 6 1950-1959 -2 - 2 ETC. ETC. ANNUITY CONTRACT Flexible Premium Deferred Variable Annuity and/or Market Value Adjusted Annuity With Benefit Payment Options Nonparticipating If you have any questions concerning this Contract, please contact your Lincoln National Life representative or the Home Office of LNL. THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 0000 Xxxxx Xxxxxxx Xxxxxx P.O. Box 7866 Fort Xxxxx, Indiana 46802.

ANNUITY PURCHASE RATES UNDER A FIXED PAYMENT OPTION. DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 APPLIED -------------------------------------------------------------------------------- ----------------------------------------------- SINGLE LIFE ANNUITIES -------------------------------------------------------------------------------- ----------------------------------------------- No 120 240 Period Months Months Unit Age Certain Certain Certain Refund -------------------------------------------------------------------------------- ----------------------------------------------- 60 $4.42 $4.38 $4.22 $4.18 61 4.52 4.47 4.29 4.26 62 4.62 4.56 4.36 4.34 63 4.73 4.66 4.43 4.42 64 4.85 4.77 4.50 4.51 65 4.97 4.89 4.57 4.60 66 5.11 5.01 4.64 4.69 67 5.25 5.13 4.71 4.79 68 5.41 5.27 4.78 4.90 69 5.57 5.41 4.85 5.01 70 5.75 5.56 4.91 5.13 71 5.95 5.71 4.98 5.25 72 6.16 5.88 5.04 5.38 73 6.38 6.05 5.09 5.52 74 6.63 6.23 5.14 5.66 75 6.90 6.42 5.19 5.81 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------- --------------------------------------------------------------- JOINT AND SURVIVOR ANNUITIES -------------------------------------------------------------------------------- --------------------------------------------------------------- Joint and Full to Survivor Joint and Two-Thirds to Survivor -------------------------------------------------------------------------------- to Survivor --------------------------------------------------------------- Certain Period Certain Period -------------------------------------------------------------------------------- Joint --------------------------------------------------------------- None 120 240 Joint Age None 120 240 -------------------------------------------------------------------------------- --------------------------------------------------------------- $4.01 $4.01 $3.98 60 $4.43 $4.38 $4.22 4.09 4.08 4.05 61 4.52 4.47 4.29 4.17 4.16 4.12 62 4.63 4.57 4.36 4.25 4.25 4.19 63 4.74 4.67 4.43 4.34 4.34 4.26 64 4.85 4.78 4.50 4.44 4.43 4.34 65 4.98 4.89 4.57 4.54 4.54 4.42 66 5.11 5.01 4.64 4.66 4.64 4.50 67 5.26 5.13 4.71 4.77 4.76 4.58 68 5.41 5.27 4.78 4.90 4.88 4.66 69 5.57 5.41 4.85 5.04 5.01 4.74 70 5.75 5.55 4.91 5.18 5.15 4.82 71 5.94 5.70 4.98 5.34 5.30 4.89 72 6.14 5.86 5.03 5.51 5.45 4.96 73 6.35 6.03 5.09 5.69 5.62 5.03 74 6.59 6.20 5.14 5.89 5.79 5.09 75 6.84 6.38 5.18 -------------------------------------------------------------------------------- --------------------------------------------------------------- Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age ------------- ----------------- ------------- ----------------- Before 1920 +2 + 2 1960-1969 -3 - 3 1920-1929 +1 + 1 1970-1979 -4 - 4 1930-1939 0 1980-1989 -5 - 5 1940-1949 -1 - 1 1990-1999 -6 - 6 1950-1959 -2 - 2 ETC. ETC. ANNUITY CONTRACT Flexible Premium Deferred Variable Annuity and/or Market Value Adjusted Annuity With Benefit Payment Options Nonparticipating If you have any questions concerning this Contract, please contact your Lincoln National Life representative or the Home Office of LNL. THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 0000 Xxxxx Xxxxxxx Xxxxxx P.O. Box 7866 Fort Xxxxx, Indiana 46802.

ANNUITY PURCHASE RATES UNDER A FIXED PAYMENT OPTION. DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 APPLIED -------------------------------------------------------------------------------- SINGLE LIFE ANNUITIES -------------------------------------------------------------------------------- No 120 240 Period Months Months Unit Age Certain Certain Certain Refund -------------------------------------------------------------------------------- 60 $4.42 $4.38 $4.22 $4.18 61 4.52 4.47 4.29 4.26 62 4.62 4.56 4.36 4.34 63 4.73 4.66 4.43 4.42 64 4.85 4.77 4.50 4.51 65 4.97 4.89 4.57 4.60 66 5.11 5.01 4.64 4.69 67 5.25 5.13 4.71 4.79 68 5.41 5.27 4.78 4.90 69 5.57 5.41 4.85 5.01 70 5.75 5.56 4.91 5.13 71 5.95 5.71 4.98 5.25 72 6.16 5.88 5.04 5.38 73 6.38 6.05 5.09 5.52 74 6.63 6.23 5.14 5.66 75 6.90 6.42 5.19 5.81 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- JOINT AND SURVIVOR ANNUITIES -------------------------------------------------------------------------------- Joint and Full to Survivor Joint and Two-Thirds to Survivor -------------------------------------------------------------------------------- Certain Period Certain Period -------------------------------------------------------------------------------- Joint None 120 240 Age None 120 240 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------- $4.01 $4.01 $3.98 60 $4.43 $4.38 $4.22 4.09 4.08 4.05 61 4.52 4.47 4.29 4.17 4.16 4.12 62 4.63 4.57 4.36 4.25 4.25 4.19 63 4.74 4.67 4.43 4.34 4.34 4.26 64 4.85 4.78 4.50 4.44 4.43 4.34 65 4.98 4.89 4.57 4.54 4.54 4.42 66 5.11 5.01 4.64 4.66 4.64 4.50 67 5.26 5.13 4.71 4.77 4.76 4.58 68 5.41 5.27 4.78 4.90 4.88 4.66 69 5.57 5.41 4.85 5.04 5.01 4.74 70 5.75 5.55 4.91 5.18 5.15 4.82 71 5.94 5.70 4.98 5.34 5.30 4.89 72 6.14 5.86 5.03 5.51 5.45 4.96 73 6.35 6.03 5.09 5.69 5.62 5.03 74 6.59 6.20 5.14 5.89 5.79 5.09 75 6.84 6.38 5.18 -------------------------------------------------------------------------------- Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age ------------- ----------------- ------------- -------------- ----------------- Before 1920 +2 + 2 1960-1969 -3 - 3 1920-1929 +1 + 1 1970-1979 -4 - 4 1930-1939 0 1980-1989 -5 1940-1949 -1 - 5 194O-1949 - 1 1990-1999 -6 - 6 1950-1959 -2 - 2 ETC. ETC. Form 30295 Page 28 ANNUITY CONTRACT Flexible Premium Deferred Variable Annuity and/or Market Value Adjusted Annuity With Benefit Payment Options Nonparticipating If you have any questions concerning this Contract, please contact your Lincoln National Life representative or the Home Office of LNL. THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 0000 Xxxxx Xxxxxxx Xxxxxx P.O. Box 7866 Fort Xxxxx, Indiana 4680246802 000-000-0000

ANNUITY PURCHASE RATES UNDER A FIXED PAYMENT OPTION. DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 1000 APPLIED -------------------------------------------------------------------------------- ----------------------------------------------- SINGLE LIFE ANNUITIES -------------------------------------------------------------------------------- ----------------------------------------------- No 120 240 Period Months Months Unit Age Certain Certain Certain Refund -------------------------------------------------------------------------------- ----------------------------------------------- 60 $4.42 $4.38 $4.22 $4.18 61 4.52 4.47 4.29 4.26 62 4.62 4.56 4.36 4.34 63 4.73 4.66 4.43 4.42 64 4.85 4.77 4.50 4.51 65 4.97 4.89 4.57 4.60 66 5.11 5.01 4.64 4.69 67 5.25 5.13 4.71 4.79 68 5.41 5.27 4.78 4.90 69 5.57 5.41 4.85 5.01 70 5.75 5.56 4.91 5.13 71 5.95 5.71 4.98 5.25 72 6.16 5.88 5.04 5.38 73 6.38 6.05 5.09 5.52 74 6.63 6.23 5.14 5.66 75 6.90 6.42 5.19 5.81 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------- JOINT AND SURVIVOR ANNUITIES -------------------------------------------------------------------------------- ---------------------------------------------------------------------------- Joint and Full to Survivor Joint and Two-Thirds to Survivor -------------------------------------------------------------------------------- ---------------------------------------------------------------------------- Certain Period Certain Period -------------------------------------------------------------------------------- Joint ---------------------------------------------------------------------------- None 120 240 Joint Age None 120 240 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------- $4.01 $4.01 $3.98 60 $4.43 $4.38 $4.22 4.09 4.08 4.05 61 4.52 4.47 4.29 4.17 4.16 4.12 62 4.63 4.57 4.36 4.25 4.25 4.19 63 4.74 4.67 4.43 4.34 4.34 4.26 64 4.85 4.78 4.50 4.44 4.43 4.34 65 4.98 4.89 4.57 4.54 4.54 4.42 66 5.11 5.01 4.64 4.66 4.64 4.50 67 5.26 5.13 4.71 4.77 4.76 4.58 68 5.41 5.27 4.78 4.90 4.88 4.66 69 5.57 5.41 4.85 5.04 5.01 4.74 70 5.75 5.55 4.91 5.18 5.15 4.82 71 5.94 5.70 4.98 5.34 5.30 4.89 72 6.14 5.86 5.03 5.51 5.45 4.96 73 6.35 6.03 5.09 5.69 5.62 5.03 74 6.59 6.20 5.14 5.89 5.79 5.09 75 6.84 6.38 5.18 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------- Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age ------------- ----------------- ------------- ----------------- Before 1920 +2 + 2 1960-1969 -3 - 3 1920-1929 +1 + 1 1970-1979 -4 - 4 1930-1939 0 1980-1989 -5 - 5 1940-1949 -1 - 1 1990-1999 -6 - 6 1950-1959 -2 - 2 ETC. ETC. ANNUITY CONTRACT Flexible Premium Deferred Variable Annuity and/or Market Value Adjusted Annuity With Benefit Payment Options Nonparticipating If you have any questions concerning this Contract, please contact your Lincoln National Life representative or the Home Office of LNL. THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 0000 Xxxxx Xxxxxxx Xxxxxx P.O. Box 7866 Fort Xxxxx, Indiana 46802.

ANNUITY PURCHASE RATES UNDER A FIXED PAYMENT OPTION. DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 APPLIED -------------------------------------------------------------------------------- -------------------------------------------------------- SINGLE LIFE ANNUITIES -------------------------------------------------------------------------------- -------------------------------------------------------- No 120 240 Period Months Months Unit Age Certain Certain Certain Refund -------------------------------------------------------------------------------- -------------------------------------------------------- 60 $4.42 $4.38 $4.22 $4.18 61 4.52 4.47 4.29 4.26 62 4.62 4.56 4.36 4.34 63 4.73 4.66 4.43 4.42 64 4.85 4.77 4.50 4.51 65 4.97 4.89 4.57 4.60 66 5.11 5.01 4.64 4.69 67 5.25 5.13 4.71 4.79 68 5.41 5.27 4.78 4.90 69 5.57 5.41 4.85 5.01 70 5.75 5.56 4.91 5.13 71 5.95 5.71 4.98 5.25 72 6.16 5.88 5.04 5.38 73 6.38 6.05 5.09 5.52 74 6.63 6.23 5.14 5.66 75 6.90 6.42 5.19 5.81 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------- --------------------------------------------------------------------------------------------------------- JOINT AND SURVIVOR ANNUITIES -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Joint and Full to Survivor Joint and Two-Thirds to Survivor -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Certain Period Certain Period -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Joint None 120 240 Age None 120 240 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- $4.01 $4.01 $3.98 60 $4.43 $4.38 $4.22 4.09 4.08 4.05 61 4.52 4.47 4.29 4.17 4.16 4.12 62 4.63 4.57 4.36 4.25 4.25 4.19 63 4.74 4.67 4.43 4.34 4.34 4.26 64 4.85 4.78 4.50 4.44 4.43 4.34 65 4.98 4.89 4.57 4.54 4.54 4.42 66 5.11 5.01 4.64 4.66 4.64 4.50 67 5.26 5.13 4.71 4.77 4.76 4.58 68 5.41 5.27 4.78 4.90 4.88 4.66 69 5.57 5.41 4.85 5.04 5.01 4.74 70 5.75 5.55 4.91 5.18 5.15 4.82 71 5.94 5.70 4.98 5.34 5.30 4.89 72 6.14 5.86 5.03 5.51 5.45 4.96 73 6.35 6.03 5.09 5.69 5.62 5.03 74 6.59 6.20 5.14 5.89 5.79 5.09 75 6.84 6.38 5.18 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age ------------- ----------------- ------------- ----------------- Before 1920 +2 + 2 1960-1969 -3 1920-1929 +1 + 1 1970-1979 -4 1930-1939 0 1980-1989 -5 1940-1949 -1 1990-1999 -6 1950-1959 -2 ETC. ETC. ANNUITY CONTRACT Flexible Premium Deferred Variable Annuity and/or Market Value Adjusted Annuity With Benefit Payment Options Nonparticipating If you have any questions concerning this Contract, please contact your Lincoln National Life representative or the Home Office of LNL. THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 0000 Xxxxx Xxxxxxx Xxxxxx P.O. Box 7866 Fort Xxxxx, Indiana 46802.

ANNUITY PURCHASE RATES UNDER A FIXED PAYMENT OPTION. DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 APPLIED -------------------------------------------------------------------------------- ------------------------------------------------------ SINGLE LIFE ANNUITIES -------------------------------------------------------------------------------- ------------------------------------------------------ No 120 240 Period Months Months Unit Age Certain Certain Certain Refund -------------------------------------------------------------------------------- ------------------------------------------------------ 60 $4.42 $4.38 $4.22 $4.18 61 4.52 4.47 4.29 4.26 62 4.62 4.56 4.36 4.34 63 4.73 4.66 4.43 4.42 64 4.85 4.77 4.50 4.51 65 4.97 4.89 4.57 4.60 66 5.11 5.01 4.64 4.69 67 5.25 5.13 4.71 4.79 68 5.41 5.27 4.78 4.90 69 5.57 5.41 4.85 5.01 70 5.75 5.56 4.91 5.13 71 5.95 5.71 4.98 5.25 72 6.16 5.88 5.04 5.38 73 6.38 6.05 5.09 5.52 74 6.63 6.23 5.14 5.66 75 6.90 6.42 5.19 5.81 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ------------------------------------------------------ ------------------------------------------------------------------------- JOINT AND SURVIVOR ANNUITIES -------------------------------------------------------------------------------- ------------------------------------------------------------------------- Joint and Full to Survivor Joint and Two-Thirds to Survivor -------------------------------------------------------------------------------- ------------------------------------------------------------------------- Certain Period Certain Period -------------------------------------------------------------------------------- Joint ------------------------------------------------------------------------- None 120 240 Joint Age None 120 240 -------------------------------------------------------------------------------- ------------------------------------------------------------------------- $4.01 $4.01 $3.98 60 $4.43 $4.38 $4.22 4.09 4.08 4.05 61 4.52 4.47 4.29 4.17 4.16 4.12 62 4.63 4.57 4.36 4.25 4.25 4.19 63 4.74 4.67 4.43 4.34 4.34 4.26 64 4.85 4.78 4.50 4.44 4.43 4.34 65 4.98 4.89 4.57 4.54 4.54 4.42 66 5.11 5.01 4.64 4.66 4.64 4.50 67 5.26 5.13 4.71 4.77 4.76 4.58 68 5.41 5.27 4.78 4.90 4.88 4.66 69 5.57 5.41 4.85 5.04 5.01 4.74 70 5.75 5.55 4.91 5.18 5.15 4.82 71 5.94 5.70 4.98 5.34 5.30 4.89 72 6.14 5.86 5.03 5.51 5.45 4.96 73 6.35 6.03 5.09 5.69 5.62 5.03 74 6.59 6.20 5.14 5.89 5.79 5.09 75 6.84 6.38 5.18 -------------------------------------------------------------------------------- ------------------------------------------------------------------------- Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age ------------- ----------------- ------------- ----------------- Before 1920 +2 + 2 1960-1969 -3 - 3 1920-1929 +1 + 1 1970-1979 -4 - 4 1930-1939 0 1980-1989 -5 - 5 1940-1949 -1 - 1 1990-1999 -6 - 6 1950-1959 -2 - 2 ETC. ETC. ANNUITY CONTRACT Flexible Premium Deferred Variable Annuity and/or Market Value Adjusted Annuity With Benefit Payment Options Nonparticipating If you have any questions concerning this Contract, please contact your Lincoln National Life representative or the Home Office of LNL. THE LINCOLN NATIONAL LIFE INSURANCE COMPANY 0000 Xxxxx Xxxxxxx Xxxxxx P.O. Box 7866 Fort Xxxxx, Indiana 46802.