Common use of NOTICE OF RIGHT TO EXAMINE CONTRACT Clause in Contracts

NOTICE OF RIGHT TO EXAMINE CONTRACT. Within 10 days after this Contract is first received, it may be cancelled for any reason without penalty (e.g., no 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 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 where permitted by law, minus any 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 VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE 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 1.60% AND THEREAFTER IS 1.40%. THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.40% IF THE ASSUMED INTEREST RATE (AIR) IS 3.0%, 5.40% IF THE AIR IS 4.0%, OR 6.40% IF THE AIR IS 5.0%. Signed for Lincoln Life & Annuity Company of New York at its Home Office in Syracuse, New York. /s/ Xxxxx X. Xxxxxxxx Xxxxx X. Xxxxxxxx, President Form 30070BNYN 5/03 Table of Contents Article Page 2 Purchase Payments 6 3 Contract Value 7

NOTICE OF RIGHT TO EXAMINE CONTRACT. Within 10 days after this Contract is first received, it may be cancelled for any reason without penalty (e.g., no 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 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 where permitted by law, minus any 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 VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE 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 1.601.70% AND THEREAFTER IS 1.40%. THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.40% IF THE ASSUMED INTEREST RATE (AIR) IS 3.0%, 5.40% IF THE AIR IS 4.0%, OR 6.40% IF THE AIR IS 5.0%. Signed for Lincoln Life & Annuity Company of New York at its Home Office in Syracuse, New York. /s/ Xxxxx X. Xxxxxxxx Xxxxx X. Xxxxxxxx, President Form 30070BNYN 30070BNYL 5/03 Table of Contents Article Page 1 Definitions 4 2 Purchase Payments 6 3 Contract Value 76

NOTICE OF RIGHT TO EXAMINE CONTRACT. Within 10 days after this Contract is first received, it may be cancelled for any reason without penalty (e.g., no 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 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 where permitted by law, minus any 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 VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE 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 1.601.70% AND THEREAFTER IS 1.40%. THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.40% IF THE ASSUMED INTEREST RATE (AIR) IS 3.0%, 5.40% IF THE AIR IS 4.0%, OR 6.40% IF THE AIR IS 5.0%. Signed for Lincoln Life & Annuity Company of New York at its Home Office in Syracuse, New York. /s/ Xxxxx X. Xxxxxxxx X.Xxxxxxxx Xxxxx X. XxxxxxxxX.Xxxxxxxx, President Form 30070BNYN 30070BNYL 5/03 Table of Contents Article Page 2 Purchase Payments 6 3 Contract Value 7

NOTICE OF RIGHT TO EXAMINE CONTRACT. Within 10 days after this Contract is first received, it may be cancelled for any reason without penalty (e.g., no 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 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 4.043.04) as of the date of cancellation where permitted by law, minus any 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 VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE ACCOUNT, ARE VARIABLE. THE AMOUNTS MAY INCREASE OR DECREASE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE ARTICLE 4 3 AND ARTICLE 8). PRIOR TO THE ANNUITY COMMENCEMENT DATE, THE MAXIMUM MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE IS 1.60% AND THEREAFTER IS 1.40%. THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.40% IF THE ASSUMED INTEREST RATE (AIR) IS 3.0%, 5.40% IF THE AIR IS 4.0%, OR 6.40% IF THE AIR IS 5.0%. Signed for Lincoln Life & Annuity Company of New York at its Home Office in Syracuse, New York. /s/ /S/ Xxxxx X. Xxxxxxxx Xxxxx X. Xxxxxxxx, President Form 30070BNYN 5/03 30070BNYFA3 Table of Contents Article Page 2 Purchase Payments 7 3 Variable Account 8 4 DCA Fixed Account 9 5 Fixed Account 10 6 3 Contract Value 7Transfers, Withdrawals and Surrenders 11 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 15 Guaranteed Accumulated Values and Surrender Values For Fixed Allocations CONTRACT SPECIFICATIONS

NOTICE OF RIGHT TO EXAMINE CONTRACT. Within 10 days after this Contract is first received, it may be cancelled for any reason without penalty (e.g., no 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 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 where permitted by law, minus any 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 VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE 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 1.601.40% AND THEREAFTER IS 1.40%. THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.40% IF THE ASSUMED INTEREST RATE (AIR) IS 3.0%, 5.40% IF THE AIR IS 4.0%, OR 6.40% IF THE AIR IS 5.0%. Signed for Lincoln Life & Annuity Company of New York at its Home Office in Syracuse, New York. /s/ Xxxxx Xxxx X. Xxxxxxxx Xxxxx Gotta Xxxx X. Xxxxxxxx, Gotta President Form 30070BNYN 30070BNY 5/03 Table of Contents Article Page 2 Purchase Payments 6 3 Contract Value 7

NOTICE OF RIGHT TO EXAMINE CONTRACT. Within 10 days after this Contract is first received, it may be cancelled for any reason without penalty (e.g., no 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 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 where permitted by law, minus any 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 VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE 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 1.601.45% AND THEREAFTER IS 1.40%. THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.40% IF THE ASSUMED INTEREST RATE (AIR) IS 3.0%, 5.40% IF THE AIR IS 4.0%, OR 6.40% IF THE AIR IS 5.0%. Signed for Lincoln Life & Annuity Company of New York at its Home Office in Syracuse, New York. /s/ Xxxxx X. Xxxxxxxx Xxxxx X. Xxxxxxxx, President Form 30070BNYN 30070BNYA 5/03 Table of Contents Article Page 2 Purchase Payments 6 3 Contract Value 7

NOTICE OF RIGHT TO EXAMINE CONTRACT. Within 10 days after this Contract is first received, it may be cancelled for any reason without penalty (e.g., no 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 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 where permitted by law, minus any 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 VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE ACCOUNT, ARE VARIABLE. THE AMOUNTS MAY INCREASE OR DECREASE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE ARTICLE 4 AND ARTICLE 8)7). PRIOR TO THE ANNUITY COMMENCEMENT DATE, THE MAXIMUM MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE IS 1.601.65% AND THEREAFTER IS 1.40%. THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.40% IF THE ASSUMED INTEREST RATE (AIR) IS 3.0%, 5.40% IF THE AIR IS 4.0%, OR 6.40% IF THE AIR IS 5.0%. Signed for Lincoln Life & Annuity Company of New York at its Home Office in Syracuse, New York. /s/ Xxxxx X. Xxxxxxxx Xxxxx X. Xxxxxxxx, President Form 30070BNYN 30070BNYC 5/03 Table of Contents Article Page 2 Purchase Payments 6 3 Contract Value 77 4 Variable Account 8 5 Transfers, Withdrawals and Surrenders 10 7 Annuity Payment Options 14 8 Beneficiary 18 9 Suspension or Deferral of Payments 19 10 General Provisions 20 11 Annuity Purchase Rates Under A Variable Annuity Payment 23 12 Annuity Purchase Rates Under A Fixed Annuity Payment 26 13 Additional Services 27

NOTICE OF RIGHT TO EXAMINE CONTRACT. Within 10 days after this Contract is first received, it may be cancelled for any reason without penalty (e.g., no 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 Contract is received at the Servicing Office, LNY will return the Contract Value 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 the date of cancellation where permitted by law, minus any 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 VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE 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 1.600.72% AND THEREAFTER IS 1.40.60%. THE SMALLEST RATE OF INVESTMENT RETURN REQUIRED TO ENSURE THAT THE DOLLAR AMOUNT OF VARIABLE ANNUITY PAYMENTS DOES NOT DECREASE IS: 4.403.60% IF THE ASSUMED INTEREST RATE (AIR) IS 3.0%, 5.404.60% IF THE AIR IS 4.0%, OR 6.405.60% IF THE AIR IS 5.0%. Signed for Lincoln Life & Annuity Company of New York at its Home Office in Syracuse, New York. /s/ Xxxxx X. Xxxxxxxx Xxxxx X. XxxxxxxxLorry J. Stensrud Lorry J. Stensrud, President Form 30070BNYN 5/03 30070ANX 0/00 Table of Contents Article Page 2 Purchase Payments 6 3 Contract Value 7