Common use of CONTRACT CAREFULLY Clause in Contracts

CONTRACT CAREFULLY. This is a legal contract between the owner and CUNA Mutual Insurance Society, and hereafter will be referred to as the contract. This contract is issued to the owner in consideration of the application and the initial purchase payment. CUNA Mutual Insurance Society will pay the benefits of this contract, subject to its terms and conditions, which will never be less than the amount required by state law. THE DOLLAR AMOUNT OF ANY INCOME PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT WILL INCREASE OR DECREASE BASED ON THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS SELECTED. THE VARIABLE PROVISIONS ARE DESCRIBED IN SECTION 6. THIS CONTRACT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH CAN RESULT IN EITHER AN UPWARD OR DOWNWARD ADJUSTMENT UPON SURRENDER OR PARTIAL WITHDRAWAL ON ANY FIXED ACCOUNT VALUE. SEE THE MARKET VALUE ADJUSTMENT SECTION OF THE FIXED ACCOUNT ENDORSEMENT, IF INCLUDED IN YOUR CONTRACT. Signed for CUNA Mutual Insurance Society, Waverly, Iowa, on the Contract Issue Date. /s/ Illegible ------------------------------- President RIGHT TO EXAMINE THIS CONTRACT. IF FOR ANY REASON YOU DECIDE NOT TO KEEP THIS CONTRACT, YOU MAY RETURN IT TO US WITHIN [10] DAYS AFTER YOU RECEIVE IT. IF THIS CONTRACT IS A REPLACEMENT FOR AN EXISTING CONTRACT, YOU MAY RETURN IT TO US WITHIN [30] DAYS AFTER YOU RECEIVE IT. YOU MAY RETURN IT TO EITHER OUR HOME OFFICE OR TO THE AGENT WHO SOLD IT TO YOU. WE WILL CONSIDER IT VOID FROM THE BEGINNING AND WILL PAY YOU A REFUND WITHIN 7 DAYS OF RECEIPT OF THE CONTRACT IN THE HOME OFFICE. WE WILL REFUND ANY NET PURCHASE PAYMENTS ADJUSTED TO REFLECT GAIN OR LOSS FROM THE DATE OF ALLOCATION TO THE DATE OF CANCELLATION; PLUS ANY APPLICABLE PREMIUM EXPENSE CHARGES WHICH HAVE BEEN DEDUCTED PRIOR TO ALLOCATION. IF THIS CONTRACT IS AN INDIVIDUAL RETIREMENT ANNUITY, DURING THE FIRST [10] DAYS OF YOUR RIGHT TO EXAMINE PERIOD, WE WILL, INSTEAD OF THE FOREGOING, REFUND ANY PURCHASE PAYMENTS RECEIVED BY US. Flexible Purchase Payments as Described Herein Income Payments Starting on the Payout Date Death Benefit Payable at Death Prior to the Payout Date Participating Countersignature by: Not Applicable Duly Licensed Resident Agent (if required by law) CONTRACT GUIDE AND INDEX Data Page Definitions........................................................ Section 1

CONTRACT CAREFULLY. This is a legal contract between the owner Owner and CUNA Mutual Insurance SocietyLNY. We want to be sure you understand the features and benefits contained in this Contract. IT IS THEREFORE IMPORTANT THAT YOU READ YOUR CONTRACT CAREFULLY. If you have any questions after reading the Contract, and hereafter we hope you will be referred to as contact your representative or the contractServicing Office of LNY. This contract is issued to the owner in consideration of the application and the initial purchase paymentNOTICE OF RIGHT TO EXAMINE CONTRACT. CUNA Mutual Insurance Society will pay the benefits of this contractWITHIN 10 DAYS AFTER THIS CONTRACT IS FIRST RECEIVED, subject to its terms and conditionsIT MAY BE CANCELLED FOR ANY REASON WITHOUT PENALTY (E.G., which will never be less than the amount required by state lawNO CONTINGENT DEFERRED SALES CHARGE WILL BE DEDUCTED OR NO INTEREST ADJUSTMENT) BY DELIVERING OR MAILING IT TO THE REPRESENTATIVE THROUGH WHOM IT WAS PURCHASED OR TO THE SERVICING OFFICE OF LNY. WHEN THE DOLLAR CONTRACT IS RECEIVED AT THE SERVICING OFFICE, LNY WILL RETURN THE CONTRACT VALUE PLUS AN AMOUNT TO REFLECT ANY DEDUCTED DAILY CHARGES (DAILY CHARGES ARE DESCRIBED IN SECTION 3.04) AS OF ANY INCOME THE DATE OF CANCELLATION WHERE PERMITTED BY LAW. UPON A TRANSFER, WITHDRAWAL OR SURRENDER, PAYMENTS AND VALUES ALLOCATED TO THE FIXED ACCOUNT MAY BE SUBJECT TO AN INTEREST ADJUSTMENT WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERRED, WITHDRAWN OR SURRENDERED BY THE OWNER. CASH SURRENDER BENEFITS ARE AVAILABLE WITHOUT AN INTEREST ADJUSTMENT AT THE END OF EACH GUARANTEED PERIOD AND AT OTHER TIMES AS DESCRIBED IN SECTION 5.06. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT WILL INCREASE OR DECREASE CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS SELECTEDVARIABLE ACCOUNT, ARE VARIABLE. THE AMOUNTS MAY INCREASE OR DECREASE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE ARTICLE 3 AND ARTICLE 8). WITH A MORTALITY AND EXPENSE RISK AND ADMINSTRATIVE CHARGE OF 1.25%, THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE PROVISIONS ARE DESCRIBED IN SECTION 6. THIS CONTRACT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH CAN RESULT IN EITHER ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.25% FOR VARIABLE ANNUITY OPTIONS BASED ON AN UPWARD ASSUMED RATE OF RETURN OF 3.0% PER YEAR; OR DOWNWARD ADJUSTMENT UPON SURRENDER 5.25% FOR VARABLE ANNUITY OPTIONS BASED ON AN ASSUMED RATE OF RETURN OF 4.0% PER YEAR; OR PARTIAL WITHDRAWAL 6.25% FOR VARIABLE ANNUITY OPTIONS BASED ON ANY FIXED ACCOUNT VALUE. SEE THE MARKET VALUE ADJUSTMENT SECTION AN ASSUMED RATE OF THE FIXED ACCOUNT ENDORSEMENT, IF INCLUDED IN YOUR CONTRACTRETURN OF 5.0% PER YEAR. Signed for CUNA Mutual Insurance SocietyLincoln Life & Annuity Company of New York at its Home Office in Syracuse, WaverlyNew York. /s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ President TABLE OF CONTENTS ARTICLE PAGE 1 DEFINITIONS 4 2 PURCHASE PAYMENTS 7 3 VARIABLE ACCOUNT 8 4 DCA FIXED ACCOUNT 10 5 INTEREST ADJUSTED FIXED ACCOUNT 11 6 TRANSFERS, Iowa▇▇▇▇▇▇▇▇▇▇▇ AND SURRENDERS 14 7 DEATH BENEFITS 16 8 ANNUITY PAYMENT OPTIONS 18 9 BENEFICIARY 22 10 SUSPENSION OR DEFERRAL OF PAYMENTS 23 11 GENERAL PROVISIONS 24 12 ANNUITY PURCHASE RATES UNDER A VARIABLE ANNUITY PAYMENT 27 13 ANNUITY PURCHASE RATES UNDER A FIXED ANNUITY PAYMENT 30 14 ADDITIONAL SERVICES 31 15 GUARANTEED ACCUMULATED VALUES AND SURRENDER VALUES FOR FIXED ALLOCATIONS 32 CONTRACT SPECIFICATIONS CONTRACT NUMBER: [XX-0123456] ANNUITANT: [▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇] AGE AT ISSUE: [35] CONTRACT DATE: [May 1, 2001] INITIAL PURCHASE PAYMENT: [$150,000] MATURITY DATE: [May 1, 2056] OWNER(S): [▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇] [▇▇▇▇ ▇▇▇▇▇▇▇] BENEFICIARY DESIGNATION: [Refer to the Client Information Profile] DEATH BENEFIT ON CONTRACT DATE: [Contract Value] PURCHASE PAYMENT AND ALLOCATION REQUIREMENTS: MINIMUM SUBSEQUENT PURCHASE PAYMENT TRANSMITTED ELECTRONICALLY: $25 MINIMUM SUBSEQUENT PURCHASE PAYMENT TRANSMITTED OTHER THAN ELECTRONICALLY: $100 MINIMUM ALLOCATION TO ANY ONE VARIABLE SUBACCOUNT: $250 MINIMUM ALLOCATION TO ANY FIXED SUBACCOUNT: $2,000 MINIMUM ALLOCATION TO THE DCA FIXED ACCOUNT: $2,000 VARIABLE ACCOUNT: The Variable Account for this Contract is the "Lincoln New York Separate Account T for Variable Annuities". There are currently ten Variable Subaccounts in the Variable Account available to the Owner. The Owner may direct Purchase Payments under the Contract to any of the available Variable Subaccounts, subject to limitations. The amounts allocated to each Variable Subaccount will be invested in net asset value in the shares of one of the Funds. The Variable Subaccounts are: SEI VP Large Cap Growth Fund SEI VP Large Cap Value Fund SEI VP Small Cap Growth Fund SEI VP Small Cap Value Fund SEI VP International Equity Fund SEI VP Emerging Markets Equity Fund SEI VP Emerging Markets Debt Fund SEI VP Core Fixed Income Fund SEI VP High Yield Bond Fund SEI VP Prime Obligation Fund See Section 3.01 for provisions governing any limitations, substitution or elimination of Funds. FIXED ACCOUNT: MINIMUM GUARANTEED INTEREST RATE: 3.00% THE FIXED SUBACCOUNTS ARE: INITIAL GUARANTEED PERIOD INITIAL GUARANTEED INTEREST RATE 1-YEAR INITIAL GUARANTEED PERIOD [3.00%] INTEREST RATE 3-YEAR INITIAL GUARANTEED PERIOD [3.00%] INTEREST RATE 5-YEAR INITIAL GUARANTEED PERIOD [3.00%] INTEREST RATE DCA FIXED ACCOUNT: INITIAL GUARANTEED PERIOD / INTEREST RATE: [6 MONTHS] / [3.00%] INITIAL GUARANTEED PERIOD / INTEREST RATE: [12 MONTHS] / [3.00%] VARIABLE ACCOUNT REQUIREMENTS: MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE PRIOR TO THE ANNUITY COMMENCEMENT DATE. We assess a daily charge equal on an annual basis to the percentages shown of the average daily net asset value of each Variable Subaccount. The daily charge will not exceed the percentages shown. If, on the Contract Issue Date, one of the below listed Death Benefit Option(s) has been selected, the Mortality and Expense Risk and Administrative Charge will be as indicated for the Death Benefit Option selected. /s/ Illegible ------------------------------- President RIGHT TO EXAMINE THIS CONTRACTDEATH BENEFIT OPTION(S): CHARGES: - CONTRACT VALUE: 1.20% - GUARANTEE OF PRINCIPAL DEATH BENEFIT: 1.25% - ENHANCED GUARANTEED MINIMUM DEATH BENEFIT: 1.40% After the Contract Date, the Owner (or a spouse who continues the Contract as the Owner) may change at any time to a Death Benefit Option with a lower charge than the Death Benefit Option in effect, but may never change to a Death Benefit Option with a higher charge (see the Death Benefit Option charges above). IF FOR ANY REASON YOU DECIDE NOT TO KEEP THIS CONTRACTIf the Death Benefit Option is changed after the Contract Date, YOU MAY RETURN IT TO US WITHIN [10] DAYS the change will be effective as of the Valuation Date the Notice to change the Death Benefit Option is received. MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE ON OR AFTER YOU RECEIVE ITTHE ANNUITY COMMENCEMENT DATE: 1.25% The daily charge will not exceed the percentage shown. IF THIS CONTRACT IS A REPLACEMENT FOR AN EXISTING CONTRACT, YOU MAY RETURN IT TO US WITHIN [30] DAYS AFTER YOU RECEIVE IT. YOU MAY RETURN IT TO EITHER OUR HOME OFFICE OR TRANSFER REQUIREMENTS PRIOR TO THE AGENT WHO SOLD IT ANNUITY COMMENCEMENT DATE: Transfers cannot be made during the first 30 days. The amount being transferred may not exceed LNY's maximum amount limit then in effect. LNY reserves the right to require a 30 day minimum time period between each transfer. MAXIMUM NUMBER OF TRANSFERS: 12 per Contract Year, excluding automatic DCA transfers. There will be no fee imposed for these 12 transfers. Transfers in excess of 12 per Contract Year must be authorized by LNY. LNY reserves the right to impose a fee for any transfer in excess of 12 per Contract Year. This fee will not exceed $25. VARIABLE ACCOUNT: MINIMUM SINGLE TRANSFER AMOUNT: The lesser of 1) $300; or 2) the remaining amount in the Variable Subaccount. MINIMUM TRANSFER AMOUNT TO YOUA VARIABLE SUBACCOUNT: $300 FIXED ACCOUNT: MINIMUM SINGLE TRANSFER TO A FIXED SUBACCOUNT: $2,000 MINIMUM SINGLE TRANSFER TO THE DCA FIXED ACCOUNT: $2,000 MINIMUM SINGLE TRANSFER AMOUNT FROM ANY FIXED ACCOUNT: The lesser of 1) $300; or 2) the remaining amount in the Fixed Subaccount. WE WILL CONSIDER IT VOID MINIMUM SINGLE TRANSFER AMOUNT FROM THE BEGINNING AND WILL PAY YOU A REFUND WITHIN 7 DAYS OF RECEIPT OF THE CONTRACT IN THE HOME OFFICEDCA FIXED ACCOUNT: The lesser of 1) $300; or 2) the remaining amount in the DCA Fixed Account. WE WILL REFUND ANY NET PURCHASE PAYMENTS ADJUSTED TO REFLECT GAIN OR LOSS FROM THE DATE OF ALLOCATION TO THE DATE OF CANCELLATION; PLUS ANY APPLICABLE PREMIUM EXPENSE CHARGES WHICH HAVE BEEN DEDUCTED PRIOR TO ALLOCATION. IF THIS CONTRACT IS AN INDIVIDUAL RETIREMENT ANNUITY, DURING THE FIRST [10] DAYS OF YOUR RIGHT TO EXAMINE PERIOD, WE WILL, INSTEAD OF THE FOREGOING, REFUND ANY PURCHASE PAYMENTS RECEIVED BY US. Flexible Purchase Payments as Described Herein Income Payments Starting on the Payout Date Death Benefit Payable at Death Prior This restriction does not apply to the Payout Date Participating Countersignature by: Not Applicable Duly Licensed Resident Agent (if required by law) CONTRACT GUIDE AND INDEX Data Page Definitions........................................................ Section 1automatic DCA transfers.

CONTRACT CAREFULLY. This is a legal contract between the owner Owner and CUNA Mutual Insurance SocietyLNY. We want to be sure you understand the features and benefits contained in this Contract. IT IS THEREFORE IMPORTANT THAT YOU READ YOUR CONTRACT CAREFULLY. If you have any questions after reading the Contract, and hereafter we hope you will be referred to as contact your representative or the contractServicing Office of LNY. This contract is issued to the owner in consideration of the application and the initial purchase paymentNOTICE OF RIGHT TO EXAMINE CONTRACT. CUNA Mutual Insurance Society will pay the benefits of this contractWITHIN 10 DAYS AFTER THIS CONTRACT IS FIRST RECEIVED, subject to its terms and conditionsIT MAY BE CANCELLED FOR ANY REASON WITHOUT PENALTY (E.G., which will never be less than the amount required by state lawNO CONTINGENT DEFERRED SALES CHARGE WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE REPRESENTATIVE THROUGH WHOM IT WAS PURCHASED OR TO THE SERVICING OFFICE OF LNY. WHEN THE DOLLAR CONTRACT IS RECEIVED AT THE SERVICING OFF ICE,LNY WILL RETURN THE CONTRACT VALUE PLUS AN AMOUNT TO REFLECT ANY DEDUCTED DAILY CHARGES (DAILY CHARGES ARE DESCRIBED IN SECTION 4.04) AS OF ANY INCOME THE DATE OF CANCELLATION WHERE PERMITTED BY LAW, ALL PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT WILL INCREASE OR DECREASE CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS SELECTEDVARIABLE ACCOUNT, ARE VARIABLE. THE AMOUNTS MAY INCREASE OR DECREASE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE ARTICLE 4 AND ARTICLE 8). PRIOR TO THE ANNUITY COMMENCEMENT DATE, THE MAXIMUM MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE IS 1.40% AND THEREAFTER IS 1.10%. THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE PROVISIONS ARE DESCRIBED IN SECTION 6ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.15% IF THE ASSUMED INTEREST RATE (AIR) IS 3.0%, 5.15% IF THE AIR IS 4.0% OR 6.20% IF THE AIR IS 5.0% Signed for Lincoln Life & Annuity Company of New York at its Home Office in Syracuse, New York. THIS ▇▇▇▇▇▇ ▇▇▇▇▇, President /s/ ▇. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ---------------------------------------- ▇. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, CORPORATE SECRETARY TABLE OF CONTENTS ARTICLE PAGE 1 DEFINITIONS 4 2 Purchase Payments 6 3 CONTRACT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH CAN RESULT IN EITHER AN UPWARD OR DOWNWARD ADJUSTMENT UPON SURRENDER OR PARTIAL WITHDRAWAL ON ANY 7 4 VARIABLE ACCOUNT 8 5 DCA FIXED ACCOUNT VALUE. SEE THE MARKET VALUE ADJUSTMENT SECTION 10 6 TRANSFERS, WITHDRAWALS AND SURRENDERS 11 7 DEATH Benefits 13 8 ANNUITY PAYMENT OPTIONS 15 9 Beneficiary 19 10 Suspension or Deferral of PAYMENTS 20 11 GENERAL PROVISIONS 21 12 ANNUITY PURCHASE RATES Under A Variable Annuity PAYMENT 24 13 ANNUITY PURCHASE Rates Under A FIXED ANNUITY PAYMENT 27 14 ADDITIONAL SERVICES 28 CONTRACT SPECIFICATIONS CONTRACT NUMBER: ▇▇-▇▇▇▇▇▇▇ ANNUITANT: ALDESIGN1 NY AGE AT ISSUE: 51 CONTRACT DATE: MARCH 24, 2008 INITIAL PURCHASE PAYMENT: $50,000.00 MATURITY DATE: JUNE 13, 2034 0 W N E R ( S ) SPECIMEN DEATH BENEFIT ON CONTRACT DATE: GUARANTEE OF THE FIXED ACCOUNT ENDORSEMENT, IF INCLUDED IN YOUR CONTRACT. Signed for CUNA Mutual Insurance Society, Waverly, Iowa, on the Contract Issue Date. /s/ Illegible ------------------------------- President RIGHT PRINCIPAL PURCHASE PAYMENT AND ALLOCATION REQUIREMENTS: MINIMUM SUBSEQUENT PURCHASE PAYMENT TRANSMITTED ELECTRONICALLY: $25 MINIMUM SUBSEQUENT PURCHASE PAYMENT TRANSMITTED OTHER THAN ELECTRONICALLY: $100 MINIMUM ALLOCATION TO EXAMINE THIS CONTRACT. IF FOR ANY REASON YOU DECIDE NOT TO KEEP THIS CONTRACT, YOU MAY RETURN IT TO US WITHIN [10] DAYS AFTER YOU RECEIVE IT. IF THIS CONTRACT IS A REPLACEMENT FOR AN EXISTING CONTRACT, YOU MAY RETURN IT TO US WITHIN [30] DAYS AFTER YOU RECEIVE IT. YOU MAY RETURN IT TO EITHER OUR HOME OFFICE OR TO THE AGENT WHO SOLD IT TO YOU. WE WILL CONSIDER IT VOID FROM THE BEGINNING AND WILL PAY YOU A REFUND WITHIN 7 DAYS OF RECEIPT OF THE CONTRACT IN THE HOME OFFICE. WE WILL REFUND ANY NET PURCHASE PAYMENTS ADJUSTED TO REFLECT GAIN OR LOSS FROM THE DATE OF ONE VARIABLE SUBACCOUNT: $20 MINIMUM ALLOCATION TO THE DATE OF CANCELLATION; PLUS ANY APPLICABLE PREMIUM DCA FIXED ACCOUNT: $300 ACCOUNT FEE: The Account Fee is $35 per Contract Year. The Account Fee will be deducted on the first Valuation Date following the last day of each Contract Year. If the Contract is surrendered prior to the last day of a Contract Year, the full Account Fee will be deducted upon the surrender. The Account Fee will be deducted from each Variable Subaccount and the DCA Fixed Account on a pro-rata basis. The Account Fee will be waived for any Contract Year in whichthe Contract Value equals or exceeds $100,000.00 as of the Valuation Date on whichthe Account Fee would otherwise be deducted. The Account Fee will be waived after 15 Contract Years. The Account Fee will also be waived on and after the Annuity Commencement Date. VARIABLE ACCOUNT: The Variable Account for this Contract is the Lincoln New York Separate Account H for Variable Annuities. DCA FIXED ACCOUNT: MINIMUM GUARANTEED INTEREST RATE: 3.00% INITIAL GUARANTEED PERIOD / INTEREST RATE: / VARIABLE ACCOUNT REQUIREMENTS: MORTALITY AND EXPENSE CHARGES WHICH HAVE BEEN DEDUCTED RISK AND ADMINISTRATIVE CHARGE PRIOR TO ALLOCATION. IF THIS CONTRACT IS AN INDIVIDUAL RETIREMENT ANNUITY, DURING THE FIRST [10] DAYS OF YOUR RIGHT TO EXAMINE PERIOD, WE WILL, INSTEAD OF THE FOREGOING, REFUND ANY PURCHASE PAYMENTS RECEIVED BY US. Flexible Purchase Payments as Described Herein Income Payments Starting on the Payout Date Death Benefit Payable at Death Prior to the Payout Date Participating Countersignature by: Not Applicable Duly Licensed Resident Agent (if required by law) CONTRACT GUIDE AND INDEX Data Page Definitions........................................................ Section 1ANNUITY COMMENCEMENT DATE:

CONTRACT CAREFULLY. This is a legal contract between the owner Owner and CUNA Mutual Insurance SocietyLNY. We want to be sure you understand the features and benefits contained in this Contract. IT IS THEREFORE IMPORTANT THAT YOU READ YOUR CONTRACT CAREFULLY. If you have any questions after reading the Contract, and hereafter we hope you will be referred to as contact your representative or the contractServicing Office of LNY. This contract is issued to the owner in consideration of the application and the initial purchase paymentNOTICE OF RIGHT TO EXAMINE CONTRACT. CUNA Mutual Insurance Society will pay the benefits of this contractWITHIN 10 DAYS AFTER THIS CONTRACT IS FIRST RECEIVED, subject to its terms and conditionsIT MAY BE CANCELLED FOR ANY REASON WITHOUT PENALTY (E.G., which will never be less than the amount required by state lawNO SALES CHARGE WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE REPRESENTATIVE THROUGH WHOM IT WAS PURCHASED OR TO THE SERVICING OFFICE OF LNY. WHEN THE DOLLAR CONTRACT IS RECEIVED AT THE SERVICING OFFICE, LNY WILL RETURN THE VARIABLE ACCOUNT PLUS AN AMOUNT TO REFLECT ANY DEDUCTED DAILY CHARGES (DAILY CHARGES ARE DESCRIBED IN SECTION 4.04) AND ANY GROSS PURCHASE PAYMENTS MADE TO ANY FIXED ACCOUNT AS OF ANY INCOME THE DATE OF CANCELLATION WHERE PERMITTED BY LAW. ALL PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT WILL INCREASE OR DECREASE CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS SELECTEDVARIABLE ACCOUNT, ARE VARIABLE. THE AMOUNTS MAY INCREASE OR DECREASE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE ARTICLE 4 AND ARTICLE 8). PRIOR TO THE ANNUITY COMMENCEMENT DATE, THE MAXIMUM MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE IS 0.90% AND THEREAFTER IS 0.60%. THE SMALLEST RATE OF INVESTMENT RETURN IS REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE PROVISIONS ARE DESCRIBED IN SECTION 6. THIS CONTRACT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH CAN RESULT IN EITHER AN UPWARD ANNUITY PAYMENTS DOES NOT DECREASE IS: 3.60% IF THE ASSUMED INTEREST RATE (AIR) IS 3.0%, 4.60% IF THE AIR IS 4.0% OR DOWNWARD ADJUSTMENT UPON SURRENDER OR PARTIAL WITHDRAWAL ON ANY FIXED ACCOUNT VALUE. SEE 5.60% IF THE MARKET VALUE ADJUSTMENT SECTION OF THE FIXED ACCOUNT ENDORSEMENT, IF INCLUDED IN YOUR CONTRACT. AIR IS 5.0% Signed for CUNA Mutual Insurance SocietyLincoln Life & Annuity Company of New York at its Home Office in Syracuse, Waverly, Iowa, on the Contract Issue DateNew York. /s/ Illegible ------------------------------- ▇▇▇▇▇▇ ▇▇▇▇▇ /s/ ▇.▇▇▇▇▇▇▇ ▇▇▇▇▇▇ --------------------------------- -------------------------------------- ▇▇▇▇▇▇ ▇▇▇▇▇, President RIGHT TO EXAMINE THIS CONTRACT. IF FOR ANY REASON YOU DECIDE NOT TO KEEP THIS CONTRACT▇.▇▇▇▇▇▇▇ ▇▇▇▇▇▇, YOU MAY RETURN IT TO US WITHIN [10] DAYS AFTER YOU RECEIVE IT. IF THIS Corporate Secretary TABLE OF CONTENTS ARTICLE PAGE 1 Definitions 4 2 Purchase Payments 6 3 Contract Value 7 4 Variable Account 8 5 DCA Fixed Account 10 6 Transfers, Withdrawals and Surrenders 11 7 Death Benefits 13 8 Annuity Payment Options 15 9 Beneficiary 19 10 Suspension or Deferral of Payments 20 11 General Provisions 21 12 Annuity Purchase Rates Under A Variable Annuity Payment 24 13 Annuity Purchase Rates Under A Fixed Annuity Payment 27 14 Additional Services 28 CONTRACT IS A REPLACEMENT FOR AN EXISTING CONTRACTSPECIFICATIONS CONTRACT NUMBER: ▇▇-▇▇▇▇▇▇▇ ANNUITANT: CPA AGE AT ISSUE: 50 CONTRACT DATE: AUGUST 14, YOU MAY RETURN IT TO US WITHIN [30] DAYS AFTER YOU RECEIVE IT. YOU MAY RETURN IT TO EITHER OUR HOME OFFICE OR 2007 INITIAL GROSS PURCHASE PAYMENT: $50,000.00 MATURITY DATE: JULY 13, 2034 OWNER(S): SPECIMEN BENEFICIARY DESIGNATION: REFER TO THE AGENT WHO SOLD IT CLIENT INFORMATION PROFILE DEATH BENEFIT ON CONTRACT DATE: ENHANCED GUARANTEED MINIMUM DEATH BENEFIT PURCHASE PAYMENT AND ALLOCATION REQUIREMENTS: MINIMUM SUBSEQUENT GROSS PURCHASE PAYMENT TRANSMITTED ELECTRONICALLY: $25 MINIMUM SUBSEQUENT GROSS PURCHASE PAYMENT TRANSMITTED OTHER THAN ELECTRONICALLY: $100 MINIMUM ALLOCATION TO YOU. WE WILL CONSIDER IT VOID FROM THE BEGINNING AND WILL PAY YOU A REFUND WITHIN 7 DAYS OF RECEIPT OF THE CONTRACT IN THE HOME OFFICE. WE WILL REFUND ANY NET PURCHASE PAYMENTS ADJUSTED TO REFLECT GAIN OR LOSS FROM THE DATE OF ONE VARIABLE SUBACCOUNT: $20 MINIMUM ALLOCATION TO THE DATE OF CANCELLATION; PLUS ANY APPLICABLE PREMIUM EXPENSE CHARGES WHICH HAVE BEEN DEDUCTED PRIOR TO ALLOCATIONDCA FIXED ACCOUNT: $1,500 ACCOUNT FEE: The Account Fee is $20 per Contract Year. IF THIS CONTRACT IS AN INDIVIDUAL RETIREMENT ANNUITYThe Account Fee will be deducted on the first Valuation Date following the last day of each Contract Year. If the Contract is surrendered prior to the last day of a Contract Year, DURING THE FIRST [10] DAYS OF YOUR RIGHT TO EXAMINE PERIOD, WE WILL, INSTEAD OF THE FOREGOING, REFUND ANY PURCHASE PAYMENTS RECEIVED BY USthe full Account Fee will be deducted upon the surrender. Flexible The Account Fee will be deducted from each Variable Subaccount and the DCA Fixed Account on a pro-rata basis. The Account Fee will be waived for any Contract Year in which the Contract Value equals or exceeds $50,000.00 as of the Valuation Date on which the Account Fee would otherwise be deducted. The Account Fee will be waived after 15 Contract Years. The Account Fee will also be waived on and after the Annuity Commencement Date. SALES CHARGE A Sales Charge will apply to all initial and subsequent Gross Purchase Payments paid into this Contract. This charge is taken as Described Herein Income Payments Starting a percentage of the Gross Purchase Payment and is based on the Payout Date Death Benefit Payable amount of the Owner's Investment at Death Prior to the Payout Date Participating Countersignature by: Not Applicable Duly Licensed Resident Agent (if required by law) CONTRACT GUIDE AND INDEX Data Page Definitions........................................................ Section 1time of each Gross Purchase Payment. For purposes of determining the Sales Charge associated with this Contract, the following table will be used. SALES CHARGE AS A PERCENTAGE OWNER'S INVESTMENT OF GROSS PURCHASE PAYMENT ------------------------------------------- ---------------------------- LESS THAN $25,000 5.75% $25,000 or greater but less than $50,000 5.00% $50,000 or greater but less than $100,000 4.50% $100,000 or greater but less than $250,000 3.50% $250,000 or greater but less than $500,000 2.50%

CONTRACT CAREFULLY. This is a legal contract between the owner Owner and CUNA Mutual Insurance SocietyLNY. We want to be sure you understand the features and benefits contained in this Contract. IT IS THEREFORE IMPORTANT THAT YOU READ YOUR CONTRACT CAREFULLY. If you have any questions after reading the Contract, and hereafter we hope you will be referred to as contact your representative or the contractServicing Office of LNY. This contract is issued to the owner in consideration of the application and the initial purchase paymentNOTICE OF RIGHT TO EXAMINE CONTRACT. CUNA Mutual Insurance Society will pay the benefits of this contractWITHIN 10 DAYS AFTER THIS CONTRACT IS FIRST RECEIVED, subject to its terms and conditionsIT MAY BE CANCELLED FOR ANY REASON WITHOUT PENALTY (E.G., which will never be less than the amount required by state lawNO CONTINGENT DEFERRED SALES CHARGE WILL BE DEDUCTED OR NO INTEREST ADJUSTMENT) BY DELIVERING OR MAILING IT TO THE REPRESENTATIVE THROUGH WHOM IT WAS PURCHASED OR TO THE SERVICING OFFICE OF LNY. WHEN THE DOLLAR CONTRACT IS RECEIVED AT THE SERVICING OFFICE, LNY WILL RETURN THE CONTRACT VALUE PLUS AN AMOUNT TO REFLECT ANY DEDUCTED DAILY CHARGES (DAILY CHARGES ARE DESCRIBED IN SECTION 3.04) AS OF ANY INCOME THE DATE OF CANCELLATION WHERE PERMITTED BY LAW. UPON A TRANSFER, WITHDRAWAL OR SURRENDER, PAYMENTS AND VALUES ALLOCATED TO THE FIXED ACCOUNT MAY BE SUBJECT TO AN INTEREST ADJUSTMENT WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS TRANSFERRED, WITHDRAWN OR SURRENDERED BY THE OWNER. CASH SURRENDER BENEFITS ARE AVAILABLE WITHOUT AN INTEREST ADJUSTMENT AT THE END OF EACH GUARANTEED PERIOD AND AT OTHER TIMES AS DESCRIBED IN SECTION 5.06. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT WILL INCREASE OR DECREASE CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS SELECTEDVARIABLE ACCOUNT, ARE VARIABLE. THE AMOUNTS MAY INCREASE OR DECREASE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE ARTICLE 3 AND ARTICLE 8). WITH A MORTALITY AND EXPENSE RISK AND ADMINSTRATIVE CHARGE OF 1.25%, THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE PROVISIONS ARE DESCRIBED IN SECTION 6. THIS CONTRACT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH CAN RESULT IN EITHER ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.25% FOR VARIABLE ANNUITY OPTIONS BASED ON AN UPWARD ASSUMED RATE OF RETURN OF 3.0% PER YEAR; OR DOWNWARD ADJUSTMENT UPON SURRENDER 5.25% FOR VARABLE ANNUITY OPTIONS BASED ON AN ASSUMED RATE OF RETURN OF 4.0% PER YEAR; OR PARTIAL WITHDRAWAL 6.25% FOR VARIABLE ANNUITY OPTIONS BASED ON ANY FIXED ACCOUNT VALUE. SEE THE MARKET VALUE ADJUSTMENT SECTION AN ASSUMED RATE OF THE FIXED ACCOUNT ENDORSEMENT, IF INCLUDED IN YOUR CONTRACTRETURN OF 5.0% PER YEAR. Signed for CUNA Mutual Insurance SocietyLincoln Life & Annuity Company of New York at its Home Office in Syracuse, WaverlyNew York. /s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ President TABLE OF CONTENTS ARTICLE PAGE 1 DEFINITIONS 4 2 PURCHASE PAYMENTS 7 3 VARIABLE ACCOUNT 8 4 DCA FIXED ACCOUNT 10 5 INTEREST ADJUSTED FIXED ACCOUNT 11 6 TRANSFERS, Iowa▇▇▇▇▇▇▇▇▇▇▇ AND SURRENDERS 14 7 DEATH BENEFITS 16 8 ANNUITY PAYMENT OPTIONS 18 9 BENEFICIARY 22 10 SUSPENSION OR DEFERRAL OF PAYMENTS 23 11 GENERAL PROVISIONS 24 12 ANNUITY PURCHASE RATES UNDER A VARIABLE ANNUITY PAYMENT 27 13 ANNUITY PURCHASE RATES UNDER A FIXED ANNUITY PAYMENT 30 14 ADDITIONAL SERVICES 31 15 GUARANTEED ACCUMULATED VALUES AND SURRENDER VALUES FOR FIXED ALLOCATIONS 32 CONTRACT SPECIFICATIONS CONTRACT NUMBER: [XX-0123456] ANNUITANT: [▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇] AGE AT ISSUE: [35] CONTRACT DATE: [May 1, 2001] INITIAL PURCHASE PAYMENT: [$150,000] MATURITY DATE: [May 1, 2056] OWNER(S): [▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇] [▇▇▇▇ ▇▇▇▇▇▇▇] BENEFICIARY DESIGNATION: [Refer to the Client Information Profile] DEATH BENEFIT ON CONTRACT DATE: [Contract Value] PURCHASE PAYMENT AND ALLOCATION REQUIREMENTS: MINIMUM SUBSEQUENT PURCHASE PAYMENT TRANSMITTED ELECTRONICALLY: $25 MINIMUM SUBSEQUENT PURCHASE PAYMENT TRANSMITTED OTHER THAN ELECTRONICALLY: $100 MINIMUM ALLOCATION TO ANY ONE VARIABLE SUBACCOUNT: $250 MINIMUM ALLOCATION TO ANY FIXED SUBACCOUNT: $2,000 MINIMUM ALLOCATION TO THE DCA FIXED ACCOUNT: $2,000 VARIABLE ACCOUNT: The Variable Account for this Contract is the "Lincoln New York Separate Account T for Variable Annuities". There are currently ten Variable Subaccounts in the Variable Account available to the Owner. The Owner may direct Purchase Payments under the Contract to any of the available Variable Subaccounts, subject to limitations. The amounts allocated to each Variable Subaccount will be invested in net asset value in the shares of one of the Funds. The Variable Subaccounts are: SEI VP Large Cap Growth Fund SEI VP Large Cap Value Fund SEI VP Small Cap Growth Fund SEI VP Small Cap Value Fund SEI VP International Equity Fund SEI VP Emerging Markets Equity Fund SEI VP Emerging Markets Debt Fund SEI VP Core Fixed Income Fund SEI VP High Yield Bond Fund SEI VP Prime Obligation Fund See Section 3.01 for provisions governing any limitations, substitution or elimination of Funds. FIXED ACCOUNT: MINIMUM GUARANTEED INTEREST RATE: 3.00% THE FIXED SUBACCOUNTS ARE: INITIAL GUARANTEED PERIOD INITIAL GUARANTEED INTEREST RATE 1-YEAR INITIAL GUARANTEED PERIOD [3.00%] INTEREST RATE 3-YEAR INITIAL GUARANTEED PERIOD [3.00%] INTEREST RATE 5-YEAR INITIAL GUARANTEED PERIOD [3.00%] INTEREST RATE DCA FIXED ACCOUNT: INITIAL GUARANTEED PERIOD / INTEREST RATE: [6 MONTHS] / [3.00%] INITIAL GUARANTEED PERIOD / INTEREST RATE: [12 MONTHS] / [3.00%] VARIABLE ACCOUNT REQUIREMENTS: MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE PRIOR TO THE ANNUITY COMMENCEMENT DATE. We assess a daily charge equal on an annual basis to the percentages shown of the average daily net asset value of each Variable Subaccount. The daily charge will not exceed the percentages shown. If, on the Contract Issue Date, one of the below listed Death Benefit Option(s) has been selected, the Mortality and Expense Risk and Administrative Charge will be as indicated for the Death Benefit Option selected. /s/ Illegible ------------------------------- President RIGHT TO EXAMINE THIS CONTRACTDEATH BENEFIT OPTION(S): CHARGES: - CONTRACT VALUE: 1.20% - GUARANTEE OF PRINCIPAL DEATH BENEFIT: 1.25% - ENHANCED GUARANTEED MINIMUM DEATH BENEFIT: 1.40% After the Contract Date, the Owner (or a spouse who continues the Contract as the Owner) may change at any time to a Death Benefit Option with a lower charge than the Death Benefit Option in effect, but may never change to a Death Benefit Option with a higher charge (see the Death Benefit Option charges above). IF FOR ANY REASON YOU DECIDE NOT TO KEEP THIS CONTRACTIf the Death Benefit Option is changed after the Contract Date, YOU MAY RETURN IT TO US WITHIN [10] DAYS the change will be effective as of the Valuation Date the Notice to change the Death Benefit Option is received. MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE ON OR AFTER YOU RECEIVE ITTHE ANNUITY COMMENCEMENT DATE: 1.25% The daily charge will not exceed the percentage shown. IF THIS CONTRACT IS A REPLACEMENT FOR AN EXISTING CONTRACT, YOU MAY RETURN IT TO US WITHIN [30] DAYS AFTER YOU RECEIVE IT. YOU MAY RETURN IT TO EITHER OUR HOME OFFICE OR TRANSFER REQUIREMENTS PRIOR TO THE AGENT WHO SOLD IT ANNUITY COMMENCEMENT DATE: Transfers cannot be made during the first 30 days. LNY reserves the right to require a 30 day minimum time period between each transfer. MAXIMUM NUMBER OF TRANSFERS: 12 per Contract Year, excluding automatic DCA transfers. There will be no fee imposed for these 12 transfers. Transfers in excess of 12 per Contract Year must be authorized by LNY. LNY reserves the right to impose a fee for any transfer in excess of 12 per Contract Year. This fee will not exceed $25. VARIABLE ACCOUNT: MINIMUM SINGLE TRANSFER AMOUNT: The lesser of 1) $300; or 2) the remaining amount in the Variable Subaccount. MINIMUM TRANSFER AMOUNT TO YOUA VARIABLE SUBACCOUNT: $300 FIXED ACCOUNT: MINIMUM SINGLE TRANSFER TO A FIXED SUBACCOUNT: $2,000 MINIMUM SINGLE TRANSFER TO THE DCA FIXED ACCOUNT: $2,000 MINIMUM SINGLE TRANSFER AMOUNT FROM ANY FIXED ACCOUNT: The lesser of 1) $300; or 2) the remaining amount in the Fixed Subaccount. WE WILL CONSIDER IT VOID MINIMUM SINGLE TRANSFER AMOUNT FROM THE BEGINNING AND WILL PAY YOU A REFUND WITHIN 7 DAYS OF RECEIPT OF THE CONTRACT IN THE HOME OFFICEDCA FIXED ACCOUNT: The lesser of 1) $300; or 2) the remaining amount in the DCA Fixed Account. WE WILL REFUND ANY NET PURCHASE PAYMENTS ADJUSTED TO REFLECT GAIN OR LOSS FROM THE DATE OF ALLOCATION TO THE DATE OF CANCELLATION; PLUS ANY APPLICABLE PREMIUM EXPENSE CHARGES WHICH HAVE BEEN DEDUCTED PRIOR TO ALLOCATION. IF THIS CONTRACT IS AN INDIVIDUAL RETIREMENT ANNUITY, DURING THE FIRST [10] DAYS OF YOUR RIGHT TO EXAMINE PERIOD, WE WILL, INSTEAD OF THE FOREGOING, REFUND ANY PURCHASE PAYMENTS RECEIVED BY US. Flexible Purchase Payments as Described Herein Income Payments Starting on the Payout Date Death Benefit Payable at Death Prior This restriction does not apply to the Payout Date Participating Countersignature by: Not Applicable Duly Licensed Resident Agent (if required by law) CONTRACT GUIDE AND INDEX Data Page Definitions........................................................ Section 1automatic DCA transfers.

CONTRACT CAREFULLY. This is a legal contract between the owner Owner and CUNA Mutual Insurance SocietyLNY. We want to be sure you understand the features and benefits contained in this Contract. IT IS THEREFORE IMPORTANT THAT YOU READ YOUR CONTRACT CAREFULLY. if you have any questions after reading the Contract, and hereafter we hope you will be referred to as contact your representative or the contractServicing Office of LNY. This contract is issued to the owner in consideration of the application and the initial purchase paymentNOTICE OF RIGHT TO EXAMINE CONTRACT. CUNA Mutual Insurance Society will pay the benefits of this contractWITHIN 10 DAYS AFTER THIS CONTRACT IS FIRST RECEIVED, subject to its terms and conditionsIT MAY BE CANCELLED FOR ANY REASON WITHOUT PENALTY (E.G., which will never be less than the amount required by state lawNO CONTINGENT DEFERRED SALES CHARGE WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE REPRESENTATIVE THROUGH WHOM IT WAS PURCHASED OR TO THE SERVICING OFFICE OF LNY. WHEN THE DOLLAR CONTRACT IS RECEIVED AT THE SERVICING OFFICE,LNY WILL RETURN THE CONTRACT VALUE PLUS AN AMOUNT TO REFLECT ANY DEDUCTED DAILY CHARGES (DAILY CHARGES ARE DESCRIBED IN SECTION 4.04) AS OF ANY INCOME THE DATE OF CANCELLATION WHERE PERMITTED BY LAW. ALL PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT WILL INCREASE OR DECREASE CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS SELECTEDVARIABLE ACCOUNT, ARE VARIABLE. THE AMOUNTS MAY INCREASE OR DECREASE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE ARTICLE 4 AND ARTICLE 8). PRIOR TO THE ANNUITY COMMENCEMENT DATE, THE MAXIMUM MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE IS 1.85% AND THEREAFTER IS 1.10%. THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE PROVISIONS ARE DESCRIBED IN SECTION 6. THIS CONTRACT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH CAN RESULT IN EITHER AN UPWARD ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.15% IF THE ASSUMED INTEREST RATE (AIR) IS 3.0%, 5.15% IF THE AIR IS 4.0% OR DOWNWARD ADJUSTMENT UPON SURRENDER OR PARTIAL WITHDRAWAL ON ANY FIXED ACCOUNT VALUE. SEE 6.20% IF THE MARKET VALUE ADJUSTMENT SECTION OF THE FIXED ACCOUNT ENDORSEMENT, IF INCLUDED IN YOUR CONTRACT. AIR IS 5.0% Signed for CUNA Mutual Insurance SocietyLincoln Life & Annuity Company of New York at its Home Office in Syracuse, WaverlyNew York. /s/ ▇▇▇▇▇▇ ▇ ▇▇▇▇▇ /s/ C. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ------------------------- -------------------------------------- ▇▇▇▇▇▇ ▇▇▇▇▇, IowaPresident C. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, Corporate Secretary TABLE OF CONTENTS CONTRACT SPECIFICATIONS CONTRACT NUMBER: ▇▇-▇▇▇▇▇▇▇ ANNUITANT: CPDESIGN2NY AGE AT ISSUE: 51 CONTRACT DATE: MARCH 24, 2008 INITIAL PURCHASE PAYMENT: $50,000.00 MATURITY DATE: JUNE 13, 2034 0WNER(S) SPECIMEN DEATH BENEFIT ON CONTRACT DATE: GUARANTEE OF PRINCIPAL PURCHASE PAYMENT AND ALLOCATION REQUIREMENTS: MINIMUM SUBSEQUENT PURCHASE PAYMENT TRANSMITTED ELECTRONICALLY: $25 MINIMUM SUBSEQUENT PURCHASE PAYMENT TRANSMITTED OTHER THAN ELECTRONICALLY: $100 MINIMUM ALLOCATION TO ANY ONE VARIABLE SUBACCOUNT: $20 MINIMUM ALLOCATION TO THE DCA FIXED ACCOUNT: $2,000 ACCOUNT FEE: The Account Fee is $35 per Contract Year. The Account Fee will be deducted on the first Valuation Date following the last day of each Contract Year. If the Contract is surrendered prior to the last day of a Contract Year, the full Account Fee will be deducted upon the surrender. The Account Fee will be deducted fromeach Variable Subaccount and the DCA Fixed Account on a pro-rata basis. The Account Fee will be waived for any Contract Year in whichthe Contract Value equals or exceeds $100,000.00 as of the Valuation Date on whichthe Account Fee would otherwise be deducted. The Account Fee will be waived after 15 Contract Years. The Account Fee will also be waived on and after the Annuity Commencement Date. VARIABLE ACCOUNT: The Variable Account for this Contract is the Lincoln New York Separate Account N for Variable Annuities. DCA FIXED ACCOUNT: MINIMUM GUARANTEED INTEREST RATE: 3.00% INITIAL GUARANTEED PERIOD / INTEREST RATE: 1 VARIABLE ACCOUNT REQUIREMENTS: MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE PRIOR TO THE ANNUITY COMMENCEMENT DATE: We assess a daily charge equal on an annual basis to the percentages shown of the average daily net asset value of each Variable Subaccount. The daily charge will not exceed the percentage(s) shown. If on the Contract Issue Date, one of the below listed Death Benefit Option(s) has been selected, the Mortality and Expense Risk and Administrative Charge will be as indicated for the Death Benefit Option selected. /s/ Illegible ------------------------------- President RIGHT TO EXAMINE THIS CONTRACTMORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE ON OR AFTER THE ANNUITY COMMENCEMENT DATE: 1.10%. IF FOR ANY REASON YOU DECIDE NOT TO KEEP THIS CONTRACTThe daily charge will not exceed the percentage shown. PERSISTENCY CREDIT: The amount of the Persistency Credit is calculated by multiplying the Contract Value, YOU MAY RETURN IT TO US WITHIN [10] DAYS AFTER YOU RECEIVE ITless any Purchase Payments that have not been invested in this Contract for a minimum of 4 years, by the quarterly Persistency Credit percentage of 0.1125%. IF THIS CONTRACT IS A REPLACEMENT FOR AN EXISTING CONTRACT, YOU MAY RETURN IT TO US WITHIN [30] DAYS AFTER YOU RECEIVE IT. YOU MAY RETURN IT TO EITHER OUR HOME OFFICE OR TRANSFER REQUIREMENTS PRIOR TO THE AGENT WHO SOLD IT ANNUITY COMMENCEMENT DATE: Transfers cannot be made during the first 30 days. LNY reserves the right to require a 30 day minimum time period between each transfer. MAXIMUM NUMBER OF TRANSFERS: 12 per Contract Year, excluding automatic DCA transfers. There will be no fee imposed for these twelve (12) transfers. Transfers in excess of 12 per Contract Year must be authorized by LNY. TRANSFER FEE: LNY reserves the right to impose a fee for any transfer in excess of 12 per Contract Year. A Transfer Fee not to exceed $50 may be assessed against each transfer after the first 12 transfers made in each Contract Year. The Transfer Fee is deducted from the Variable Subaccounts and DCA Fixed Account from which a transfer is made with each such Variable Subaccount or DCA Fixed Account bearing a pro ratashare of the Transfer Fee. A Transfer Fee will not be imposed against transfers made as a part of an automatic transfer program. VARIABLE ACCOUNT: MINIMUM SINGLE TRANSFER AMOUNT FROM A VARIABLE SUBACCOUNT: $300. Transfers to the DCA Fixed Account are not allowed. MINIMUM TRANSFER AMOUNT TO YOU. WE WILL CONSIDER IT VOID A VARIABLE SUBACCOUNT: $300 DCA FIXED ACCOUNT: MINIMUM SINGLE TRANSFER AMOUNT FROM THE BEGINNING DCA FIXED ACCOUNT: $300 WITHDRAWAL AND WILL PAY YOU A REFUND WITHIN 7 DAYS OF RECEIPT OF THE CONTRACT IN THE HOME OFFICE. WE WILL REFUND ANY NET PURCHASE PAYMENTS ADJUSTED TO REFLECT GAIN OR LOSS FROM THE DATE OF ALLOCATION TO THE DATE OF CANCELLATION; PLUS ANY APPLICABLE PREMIUM EXPENSE CHARGES WHICH HAVE BEEN DEDUCTED PRIOR TO ALLOCATION. IF THIS CONTRACT IS AN INDIVIDUAL RETIREMENT ANNUITY, DURING THE FIRST [10] DAYS OF YOUR RIGHT TO EXAMINE PERIOD, WE WILL, INSTEAD OF THE FOREGOING, REFUND ANY PURCHASE PAYMENTS RECEIVED BY US. Flexible Purchase Payments as Described Herein Income Payments Starting on the Payout Date Death Benefit Payable at Death Prior SURRENDER REQUIREMENTS: MINIMUM PARTIAL WITHDRAWAL AMOUNT: $300 CONTINGENT DEFERRED SALES CHARGE (CDSC): Withdrawals and/or Surrenders will be subject to the Payout Date Participating Countersignature by: Not Applicable Duly Licensed Resident Agent (if required by law) CONTRACT GUIDE AND INDEX Data Page Definitions........................................................ Section 1CDSC. The CDSC is calculated separately for each Purchase Payment to whicha charge applies. However the Owner may withdraw up to the Free Withdrawal Amount during a Contract Year without incurring a CDSC. The remaining value will be subject to the CDSC. CDSC applies as follows:

CONTRACT CAREFULLY. This is a legal contract between the owner Owner and CUNA Mutual Insurance SocietyLNY. We want to be sure you understand the features and benefits contained in this Contract. IT IS THEREFORE IMPORTANT THAT YOU READ YOUR CONTRACT CAREFULLY. If you have any questions after reading the Contract, and hereafter we hope you will be referred to as contact your representative or the contractServicing Office of LNY. This contract is issued to the owner in consideration of the application and the initial purchase paymentNOTICE OF RIGHT TO EXAMINE CONTRACT. CUNA Mutual Insurance Society will pay the benefits of this contractWITHIN 10 DAYS AFTER THIS CONTRACT IS FIRST RECEIVED, subject to its terms and conditionsIT MAY BE CANCELLED FOR ANY REASON WITHOUT PENALTY (E.G., which will never be less than the amount required by state lawNO CONTINGENT DEFERRED SALES CHARGE WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE REPRESENTATIVE THROUGH WHOM IT WAS PURCHASED OR TO THE SERVICING OFFICE OF LNY. WHEN THE DOLLAR CONTRACT IS RECEIVED AT THE SERVICING OFFICE,LNY WILL RETURN THE CONTRACT VALUE PLUS AN AMOUNT TO REFLECT ANY DEDUCTED DAILY CHARGES (DAILY CHARGES ARE DESCRIBED IN SECTION 4.04) AS OF THE DATE OF CANCELLATION WHEREPERMITTEDBY LAW, MINUS ANY INCOME 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 INCLUDING ANY APPLICABLE CHARGES, LNY 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. ALL PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT WILL INCREASE OR DECREASE CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS SELECTEDVARIABLE ACCOUNT, ARE VARIABLE. THE AMOUNTS MAY INCREASE OR DECREASE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE ARTICLE 4 AND ARTICLE 8). PRIOR TO THE ANNUITY COMMENCEMENT DATE, THE MAXIMUM MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE IS 1.85% AND THEREAFTER IS 1.10%. THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE PROVISIONS ARE DESCRIBED IN SECTION 6. THIS CONTRACT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH CAN RESULT IN EITHER AN UPWARD ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.15% IF THE ASSUMED INTEREST RATE (AIR) IS 3.0%, 5.15% IF THE AIR IS 4.0% OR DOWNWARD ADJUSTMENT UPON SURRENDER OR PARTIAL WITHDRAWAL ON ANY FIXED ACCOUNT VALUE. SEE 6.20% IF THE MARKET VALUE ADJUSTMENT SECTION OF THE FIXED ACCOUNT ENDORSEMENT, IF INCLUDED IN YOUR CONTRACT. AIR IS 5.0% Signed for CUNA Mutual Insurance SocietyLincoln Life & Annuity Company of New York at its Home Office in Syracuse, WaverlyNew York. /s/ ▇▇▇▇▇▇ ▇▇▇▇▇ /s/ C. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ------------------------------------- ---------------------------------------- ▇▇▇▇▇▇ ▇▇▇▇▇, IowaPresident C. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, Corporate Secretary TABLE OF CONTENTS CONTRACT SPECIFICATIONS CONTRACT NUMBER: ▇▇-▇▇▇▇▇▇▇ ANNUITANT: ALDESIGN3NY AGE AT ISSUE: 51 CONTRACT DATE: MARCH 24, 2008 INITIAL PURCHASE PAYMENT: $50,000.00 MATURITY DATE: JUNE 13, 2034 0WNER(S) SPECIMEN DEATH BENEFIT ON CONTRACT DATE: GUARANTEE OF PRINCIPAL PURCHASE PAYMENT AND ALLOCATION REQUIREMENTS: MINIMUM SUBSEQUENT PURCHASE PAYMENT TRANSMITTED ELECTRONICALLY: $25 MINIMUM SUBSEQUENT PURCHASE PAYMENT TRANSMITTED OTHER THAN ELECTRONICALLY: $100 MINIMUM ALLOCATION TO ANY ONE VARIABLE SUBACCOUNT: $20 MINIMUM ALLOCATION TO THE DCA FIXED ACCOUNT: $300 ACCOUNT FEE: The Account Fee is $35 per Contract Year. The Account Fee will be deducted on the first Valuation Date following the last day of each Contract Year. If the Contract is surrendered prior to the last day of a Contract Year, the full Account Fee will be deducted upon the surrender. The Account Fee will be deducted fromeach Variable Subaccount and the DCA Fixed Account on a pro-rata basis. The Account Fee will be waived for any Contract Year in whichthe Contract Value equals or exceeds $100,000.00 as of the Valuation Date on whichthe Account Fee would otherwise be deducted. The Account Fee will be waived after 15 Contract Years. The Account Fee will also be waived on and after the Annuity Commencement Date. VARIABLE ACCOUNT: The Variable Account for this Contract is the Lincoln New York Separate Account H for Variable Annuities. DCA FIXED ACCOUNT: MINIMUM GUARANTEED INTEREST RATE: 3.00% INITIAL GUARANTEED PERIOD / INTEREST RATE: / VARIABLE ACCOUNT REQUIREMENTS: MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE PRIOR TO THE ANNUITY COMMENCEMENT DATE: We assess a daily charge equal on an annual basis to the percentages shown of the average daily net asset value of each Variable Subaccount. The daily charge will not exceed the percentage(s) shown. If on the Contract Issue Date, one of the below listed Death Benefit Options) has been selected, the Mortality and Expense Risk and Administrative Charge will be as indicated for the Death Benefit Option selected. /s/ Illegible ------------------------------- President RIGHT TO EXAMINE THIS CONTRACTMORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE ON OR AFTER THE ANNUITY COMMENCEMENT DATE: 1.10%. IF FOR ANY REASON YOU DECIDE NOT TO KEEP THIS CONTRACTThe daily charge will not exceed the percentage shown. BONUS CREDIT: The Bonus Credit associated with each Purchase Payment to this Contract will be 3.0% PERSISTENCY CREDIT: The amount of the Persistency Credit is calculated by multiplying the Contract Value, YOU MAY RETURN IT TO US WITHIN [10] DAYS AFTER YOU RECEIVE ITless any Purchase Payments that have not been invested in this Contract for a minimum of 7 years, by the quarterly Persistency Credit percentage of 0.1125%. IF THIS CONTRACT IS A REPLACEMENT FOR AN EXISTING CONTRACT, YOU MAY RETURN IT TO US WITHIN [30] DAYS AFTER YOU RECEIVE IT. YOU MAY RETURN IT TO EITHER OUR HOME OFFICE OR TRANSFER REQUIREMENTS PRIOR TO THE AGENT WHO SOLD IT ANNUITY COMMENCEMENT DATE: Transfers cannot be made during the first 30 days. LNY reserves the right to require a 30 day minimum time period between each transfer. MAXIMUM NUMBER OF TRANSFERS: 12 per Contract Year, excluding automatic DCA transfers. There will be no fee imposed for these twelve (12) transfers. Transfers in excess of 12 per Contract Year must be authorized by LNY. TRANSFER FEE: LNY reserves the right to impose a fee for any transfer in excess of 12 per Contract Year. A Transfer Fee not to exceed $50 may be assessed against each transfer after the first 12 transfers made in each Contract Year. The Transfer Fee is deducted from the Variable Subaccounts and DCA Fixed Account from which a transfer is made with each such Variable Subaccount or DCA Fixed Account bearing a pro ratashare of the Transfer Fee. A Transfer Fee will not be imposed against transfers made as a part of an automatic transfer program. VARIABLE ACCOUNT: MINIMUM SINGLE TRANSFER AMOUNT FROM A VARIABLE SUBACCOUNT: $300. Transfers to the DCA Fixed Account are not allowed. MINIMUM TRANSFER AMOUNT TO YOU. WE WILL CONSIDER IT VOID A VARIABLE SUBACCOUNT: $300 DCA FIXED ACCOUNT: MINIMUM SINGLE TRANSFER AMOUNT FROM THE BEGINNING DCA FIXED ACCOUNT: $300 1 WITHDRAWAL AND WILL PAY YOU A REFUND WITHIN 7 DAYS OF RECEIPT OF THE CONTRACT IN THE HOME OFFICE. WE WILL REFUND ANY NET PURCHASE PAYMENTS ADJUSTED TO REFLECT GAIN OR LOSS FROM THE DATE OF ALLOCATION TO THE DATE OF CANCELLATION; PLUS ANY APPLICABLE PREMIUM EXPENSE CHARGES WHICH HAVE BEEN DEDUCTED PRIOR TO ALLOCATION. IF THIS CONTRACT IS AN INDIVIDUAL RETIREMENT ANNUITY, DURING THE FIRST [10] DAYS OF YOUR RIGHT TO EXAMINE PERIOD, WE WILL, INSTEAD OF THE FOREGOING, REFUND ANY PURCHASE PAYMENTS RECEIVED BY US. Flexible Purchase Payments as Described Herein Income Payments Starting on the Payout Date Death Benefit Payable at Death Prior SURRENDER REQUIREMENTS: MINIMUM PARTIAL WITHDRAWAL AMOUNT: $300 CONTINGENT DEFERRED SALES CHARGE (CDSC): Withdrawals and/or Surrenders will be subject to the Payout Date Participating Countersignature by: Not Applicable Duly Licensed Resident Agent (if required by law) CONTRACT GUIDE AND INDEX Data Page Definitions........................................................ Section 1CDSC. The CDSC is calculated separately for each Purchase Payment to whicha charge applies. However the Owner may withdraw up to the Free Withdrawal Amount during a Contract Year without incurring a CDSC. The remaining value will be subject to the CDSC. CDSC applies as follows:

CONTRACT CAREFULLY. This is a legal contract between the owner and CUNA Mutual Insurance Society, and hereafter will be referred to as the contract. This contract is issued to the owner in consideration of the application and the initial purchase payment. CUNA Mutual Insurance Society will pay the benefits of this contract, subject to its terms and conditions, which will never be less than the amount required by state law. THE DOLLAR AMOUNT OF ANY INCOME PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT WILL INCREASE OR DECREASE BASED ON THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS SELECTED. THE VARIABLE PROVISIONS ARE DESCRIBED IN SECTION 6. THIS CONTRACT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH CAN RESULT IN EITHER AN UPWARD OR DOWNWARD ADJUSTMENT UPON SURRENDER OR PARTIAL WITHDRAWAL ON ANY FIXED ACCOUNT VALUE. SEE THE MARKET VALUE ADJUSTMENT SECTION OF THE FIXED ACCOUNT ENDORSEMENT, IF INCLUDED IN YOUR CONTRACT. Signed for CUNA Mutual Insurance Society, Waverly, Iowa, on the Contract Issue Date. /s/ Illegible ▇▇▇▇ ▇▇▇▇ ------------------------------- President RIGHT TO EXAMINE THIS CONTRACT. IF FOR ANY REASON YOU DECIDE NOT TO KEEP THIS CONTRACT, YOU MAY RETURN IT TO US WITHIN [10] DAYS AFTER YOU RECEIVE IT. IF THIS CONTRACT IS A REPLACEMENT FOR AN EXISTING CONTRACT, YOU MAY RETURN IT TO US WITHIN [30] DAYS AFTER YOU RECEIVE IT. YOU MAY RETURN IT TO EITHER OUR HOME OFFICE OR TO THE AGENT WHO SOLD IT TO YOU. WE WILL CONSIDER IT VOID FROM THE BEGINNING AND WILL PAY YOU A REFUND WITHIN 7 DAYS OF RECEIPT OF THE CONTRACT IN THE HOME OFFICE. WE WILL REFUND ANY NET PURCHASE PAYMENTS ADJUSTED TO REFLECT GAIN OR LOSS FROM THE DATE OF ALLOCATION TO THE DATE OF CANCELLATION; PLUS ANY APPLICABLE PREMIUM EXPENSE CHARGES WHICH HAVE BEEN DEDUCTED PRIOR TO ALLOCATION. IF THIS CONTRACT IS AN INDIVIDUAL RETIREMENT ANNUITY, DURING THE FIRST [10] DAYS OF YOUR RIGHT TO EXAMINE PERIOD, WE WILL, INSTEAD OF THE FOREGOING, REFUND ANY PURCHASE PAYMENTS RECEIVED BY US. Flexible Purchase Payments as Described Herein Income Payments Starting on the Payout Date Death Benefit Payable at Death Prior to the Payout Date Participating Countersignature by: Not Applicable Duly Licensed Resident Agent (if required by law) CONTRACT GUIDE AND INDEX Data Page Definitions........................................................ Section 1

CONTRACT CAREFULLY. This is a legal contract between the owner Owner and CUNA Mutual Insurance SocietyLNY. We want to be sure you understand the features and benefits contained in this Contract. IT IS THEREFORE IMPORTANT THAT YOU READ YOUR CONTRACT CAREFULLY. If you have any questions after reading the Contract, and hereafter we hope you will be referred to as contact your representative or the contractServicing Office of LNY. This contract is issued to the owner in consideration of the application and the initial purchase paymentNOTICE OF RIGHT TO EXAMINE CONTRACT. CUNA Mutual Insurance Society will pay the benefits of this contractWITHIN 10 DAYS AFTER THIS CONTRACT IS FIRST RECEIVED, subject to its terms and conditionsIT MAY BE CANCELLED FOR ANY REASON WITHOUT PENALTY (E.G., which will never be less than the amount required by state lawNO CONTINGENT DEFERRED SALES CHARGE WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE REPRESENTATIVE THROUGH WHOM IT WAS PURCHASED OR TO THE SERVICING OFFICE OF LNY. WHEN THE DOLLAR CONTRACT IS RECEIVED AT THE SERVICING OFF ICE,LNY WILL RETURN THE CONTRACT VALUE PLUS AN AMOUNT TO REFLECT ANY DEDUCTED DAILY CHARGES (DAILY CHARGES ARE DESCRIBED IN SECTION 4.04) AS OF THE DATE OF CANCELLATION WHEREPERMITTEDBY LAW, MINUS ANY INCOME 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 INCLUDING ANY APPLICABLE CHARGES, LNY 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. ALL PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT WILL INCREASE OR DECREASE CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS SELECTEDVARIABLE ACCOUNT, ARE VARIABLE. THE AMOUNTS MAY INCREASE OR DECREASE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE ARTICLE 4 AND ARTICLE 8). PRIOR TO THE ANNUITY COMMENCEMENT DATE, THE MAXIMUM MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE IS 1.85% AND THEREAFTER IS 1.10%. THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE PROVISIONS ARE DESCRIBED IN SECTION 6. THIS CONTRACT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH CAN RESULT IN EITHER AN UPWARD ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.15% IF THE ASSUMED INTEREST RATE (AIR) IS 3.0%, 5.15% IF THE AIR IS 4.0% OR DOWNWARD ADJUSTMENT UPON SURRENDER OR PARTIAL WITHDRAWAL ON ANY FIXED ACCOUNT VALUE. SEE 6.20% IF THE MARKET VALUE ADJUSTMENT SECTION OF THE FIXED ACCOUNT ENDORSEMENT, IF INCLUDED IN YOUR CONTRACT. AIR IS 5.0% Signed for CUNA Mutual Insurance SocietyLincoln Life & Annuity Company of New York at its Home Office in Syracuse, Waverly, Iowa, on the Contract Issue DateNew York. /s/ Illegible ------------------------------- ▇▇▇▇▇▇ ▇ ▇▇▇▇▇ /s/ C. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ------------------------------------- ---------------------------------------- ▇▇▇▇▇▇ ▇▇▇▇▇, President RIGHT C. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, Corporate Secretary TABLE OF CONTENTS CONTRACT SPECIFICATIONS CONTRACT NUMBER: ▇▇-▇▇▇▇▇▇▇ ANNUITANT: CPDESIGN3NY AGE AT ISSUE: 51 CONTRACT DATE: MARCH 24, 2008 INITIAL PURCHASE PAYMENT: $50,000.00 MATURITY DATE: JUNE 13, 2034 0WNER(S) SPECIMEN DEATH BENEFIT ON CONTRACT DATE: GUARANTEE OF PRINCIPAL PURCHASE PAYMENT AND ALLOCATION REQUIREMENTS: MINIMUM SUBSEQUENT PURCHASE PAYMENT TRANSMITTED ELECTRONICALLY: $25 MINIMUM SUBSEQUENT PURCHASE PAYMENT TRANSMITTED OTHER THAN ELECTRONICALLY: $100 MINIMUM ALLOCATION TO EXAMINE THIS CONTRACT. IF FOR ANY REASON YOU DECIDE NOT TO KEEP THIS CONTRACT, YOU MAY RETURN IT TO US WITHIN [10] DAYS AFTER YOU RECEIVE IT. IF THIS CONTRACT IS A REPLACEMENT FOR AN EXISTING CONTRACT, YOU MAY RETURN IT TO US WITHIN [30] DAYS AFTER YOU RECEIVE IT. YOU MAY RETURN IT TO EITHER OUR HOME OFFICE OR TO THE AGENT WHO SOLD IT TO YOU. WE WILL CONSIDER IT VOID FROM THE BEGINNING AND WILL PAY YOU A REFUND WITHIN 7 DAYS OF RECEIPT OF THE CONTRACT IN THE HOME OFFICE. WE WILL REFUND ANY NET PURCHASE PAYMENTS ADJUSTED TO REFLECT GAIN OR LOSS FROM THE DATE OF ONE VARIABLE SUBACCOUNT: $20 MINIMUM ALLOCATION TO THE DATE OF CANCELLATION; PLUS ANY APPLICABLE PREMIUM DCA FIXED ACCOUNT: $2,000 ACCOUNT FEE: The Account Fee is $35 per Contract Year. The Account Fee will be deducted on the first Valuation Date following the last day of each Contract Year. if the Contract is surrendered prior to the last day of a Contract Year, the full Account Fee will be deducted upon the surrender. The Account Fee will be deducted fromeach Variable Subaccount and the DCA Fixed Account on a pro-rata basis. The Account Fee will be waived for any Contract Year in whichthe Contract Value equals or exceeds $100,000.00 as of the Valuation Date on whichthe Account Fee would otherwise be deducted. The Account Fee will be waived after 15 Contract Years. The Account Fee will also be waived on and after the Annuity Commencement Date. VARIABLE ACCOUNT: The Variable Account for this Contract is the Lincoln New York Separate Account N for Variable Annuities. DCA FIXED ACCOUNT: MINIMUM GUARANTEED INTEREST RATE: 3.00% INITIAL GUARANTEED PERIOD / INTEREST RATE: / VARIABLE ACCOUNT REQUIREMENTS: MORTALITY AND EXPENSE CHARGES WHICH HAVE BEEN DEDUCTED RISK AND ADMINISTRATIVE CHARGE PRIOR TO ALLOCATION. IF THIS CONTRACT IS AN INDIVIDUAL RETIREMENT ANNUITY, DURING THE FIRST [10] DAYS OF YOUR RIGHT TO EXAMINE PERIOD, WE WILL, INSTEAD OF THE FOREGOING, REFUND ANY PURCHASE PAYMENTS RECEIVED BY US. Flexible Purchase Payments as Described Herein Income Payments Starting on the Payout Date Death Benefit Payable at Death Prior to the Payout Date Participating Countersignature by: Not Applicable Duly Licensed Resident Agent (if required by law) CONTRACT GUIDE AND INDEX Data Page Definitions........................................................ Section 1ANNUITY COMMENCEMENT DATE:

CONTRACT CAREFULLY. This is a legal contract between the owner Owner and CUNA Mutual Insurance SocietyLNY. We want to be sure you understand the features and benefits contained in this Contract. IT IS THEREFORE IMPORTANT THAT YOU READ YOUR CONTRACT CAREFULLY. If you have any questions after reading the Contract, and hereafter we hope you will be referred to as contact your representative or the contractServicing Office of LNY. This contract is issued to the owner in consideration of the application and the initial purchase paymentNOTICE OF RIGHT TO EXAMINE CONTRACT. CUNA Mutual Insurance Society will pay the benefits of this contractWITHIN 10 DAYS AFTER THIS CONTRACT IS FIRST RECEIVED, subject to its terms and conditionsIT MAY BE CANCELLED FOR ANY REASON WITHOUT PENALTY (E.G., which will never be less than the amount required by state lawNO CONTINGENT DEFERRED SALES CHARGE WILL BE DEDUCTED) BY DELIVERING OR MAILING IT TO THE REPRESENTATIVE THROUGH WHOM IT WAS PURCHASED OR TO THE SERVICING OFFICE OF LNY. WHEN THE DOLLAR CONTRACT IS RECEIVED AT THE SERVICING OFF ICE,LNY WILL RETURN THE CONTRACT VALUE PLUS AN AMOUNT TO REFLECT ANY DEDUCTED DAILY CHARGES (DAILY CHARGES ARE DESCRIBED IN SECTION 4.04) AS OF ANY INCOME THE DATE OF CANCELLATION WHERE PERMITTED BY LAW. ALL PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT WILL INCREASE OR DECREASE CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS SELECTEDVARIABLE ACCOUNT, ARE VARIABLE. THE AMOUNTS MAY INCREASE OR DECREASE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE ARTICLE 4 AND ARTICLE 8). PRIOR TO THE ANNUITY COMMENCEMENT DATE, THE MAXIMUM MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE IS 1.40% AND THEREAFTER IS 1.10%. THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE PROVISIONS ARE DESCRIBED IN SECTION 6. THIS CONTRACT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH CAN RESULT IN EITHER AN UPWARD ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.15% IF THE ASSUMED INTEREST RATE (AIR) IS 3.0%, 5.15% IF THE AIR IS 4.0% OR DOWNWARD ADJUSTMENT UPON SURRENDER OR PARTIAL WITHDRAWAL ON ANY FIXED ACCOUNT VALUE. SEE 6.20% IF THE MARKET VALUE ADJUSTMENT SECTION OF THE FIXED ACCOUNT ENDORSEMENT, IF INCLUDED IN YOUR CONTRACT. AIR IS 5.0% Signed for CUNA Mutual Insurance SocietyLincoln Life & Annuity Company of New York at its Home Office in Syracuse, Waverly, Iowa, on the Contract Issue DateNew York. /s/ Illegible ------------------------------- ▇. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ---------------------------------------- ▇▇▇▇▇▇ ▇▇▇▇▇, President RIGHT TO EXAMINE THIS CONTRACT▇. IF FOR ANY REASON YOU DECIDE NOT TO KEEP THIS CONTRACT▇▇▇▇▇▇▇ ▇▇▇▇▇▇, YOU MAY RETURN IT TO US WITHIN [10] DAYS AFTER YOU RECEIVE IT. IF THIS CONTRACT IS A REPLACEMENT FOR AN EXISTING CONTRACT, YOU MAY RETURN IT TO US WITHIN [30] DAYS AFTER YOU RECEIVE IT. YOU MAY RETURN IT TO EITHER OUR HOME OFFICE OR TO THE AGENT WHO SOLD IT TO YOU. WE WILL CONSIDER IT VOID FROM THE BEGINNING AND WILL PAY YOU A REFUND WITHIN 7 DAYS Corporate Secretary TABLE OF RECEIPT OF THE CONTRACT IN THE HOME OFFICE. WE WILL REFUND ANY NET PURCHASE PAYMENTS ADJUSTED TO REFLECT GAIN OR LOSS FROM THE DATE OF ALLOCATION TO THE DATE OF CANCELLATION; PLUS ANY APPLICABLE PREMIUM EXPENSE CHARGES WHICH HAVE BEEN DEDUCTED PRIOR TO ALLOCATION. IF THIS CONTRACT IS AN INDIVIDUAL RETIREMENT ANNUITY, DURING THE FIRST [10] DAYS OF YOUR RIGHT TO EXAMINE PERIOD, WE WILL, INSTEAD OF THE FOREGOING, REFUND ANY PURCHASE PAYMENTS RECEIVED BY US. Flexible Purchase Payments as Described Herein Income Payments Starting on the Payout Date Death Benefit Payable at Death Prior to the Payout Date Participating Countersignature by: Not Applicable Duly Licensed Resident Agent (if required by law) CONTRACT GUIDE AND INDEX Data Page Definitions........................................................ Section 1CONTENTS