Bonus Rider

                                 ("this Rider")

BONUS RIDER FOR VARIABLE ANNUITY

This Rider is part of the Contract to which it is attached and is effective upon
issue. In the case of a conflict with any provision of the Contract, the
provisions of this Rider will control. This Rider will terminate on the Annuity
Commencement Date. This Rider amends the Contract as follows:

The NOTICE OF RIGHT TO EXAMINE CONTRACT provision on the front cover will be
amended to read as follows:

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 3.04)
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.

The following definition in ARTICLE 1 will be amended to read as follows:

EARNINGS -- The excess of the Contract Value over the sum of Bonus Credits and
Purchase Payments which have not yet been withdrawn from this Contract.

The following definitions will be added to ARTICLE 1.

BONUS CREDIT -- The additional amount credited to this Contract by LNY for each
Purchase Payment. Bonus Credits are not considered Purchase Payments. The Bonus
Credit is an amount guaranteed above the sum of the Minimum Guaranteed Interest
Rate and any additional amounts that are guaranteed under the Contract.

The following will be added to ARTICLE 2.

BONUS CREDIT

A Bonus Credit is paid into this Contract by LNY for the initial and all
subsequent Purchase Payments made to this Contract. In consideration of the
Bonus Credit, this Contract has a higher Mortality and Expense Risk and
Administrative Charge as well as a higher Contingent Deferred Sales Charge that
also has a longer duration than a contract that does not offer this credit.

The amount of the Bonus Credit is calculated as a percentage of the Purchase
Payment. The Bonus Credit percentage is based upon the amount of the Owner's
Investment. The Bonus Credit percentage is set forth on the Contract
Specifications.

If a subsequent Purchase Payment is made on or before the first anniversary of
the Contract Date and that Purchase Payment increases the Owner's Investment to
a level that qualifies the Purchase Payment for a Bonus Credit percentage which
is higher than the Bonus Credit percentage paid on prior Purchase



Payments, then an additional Bonus Credit will be paid into the Contract at the
time the subsequent Purchase Payment is made. The additional Bonus Credit will
be determined by multiplying the sum of the prior Purchase Payments by the
additional Bonus Credit percentage. The additional Bonus Credit percentage will
be the difference between the percentage applicable to the subsequent Purchase
Payment and the percentage applied to the prior Purchase Payments. This
additional Bonus Credit will be paid into the Contract on the same date the
subsequent Purchase Payment is allocated, and will not be applied to the
Contract retroactively to the dates of prior Purchase Payments. This additional
Bonus Credit will not be applicable after the first anniversary of the Contract
Date.

Bonus Credits will be allocated to any Fixed Account, if any and/or the Variable
Subaccounts of the Contract at the same time and at the same percentages as the
Purchase Payment to which they correspond.

                   The Lincoln National Life Insurance Company


                   /s/ Mark E. Reynolds
                   -------------------------------
                       Mark E. Reynolds
                       SVP & Chief Administrative Officer