Amendment Number 11

to the

Second Amended and Restated Automatic Indemnity Reinsurance Agreement

This Amendment between The Lincoln National Life Insurance Company of Fort Wayne, Indiana (the “Ceding Company”) and Lincoln National Reinsurance Company (Barbados) Limited, a Barbados Corporation (“the Reinsurer”) is effective September 14, 2020.

RECITALS

1. The Ceding Company and the Reinsurer entered into an Automatic Indemnity Reinsurance Agreement effective July 1, 2003, as amended and restated effective November 1, 2013, and as further amended by amendments executed June 9, 2016, and effective August 29, 2016, January 9, 2017, May 22, 2017, February 20, 2018, May 21, 2018, January 14, 2019, September 16, 2019,  January 21, 2020, and June 1, 2020 (“the Agreement”).

2. Article XVII, Section 8 of this Agreement permits amendments as long as they are made in writing and signed by duly authorized officers of both parties.

3. The Ceding Company and the Reinsurer wish to make such an amendment to add a new product to the contracts with accepted coverages listed in Schedule B.

AGREEMENT

NOWTHEREFORE, in consideration of these premises and the mutual covenants contained herein, the Ceding Company and the Reinsurer agree to amend the Agreement as follows:

1. Effective September 14, 2020, Lincoln Investor Advantage^® Advisory Choice product shall be added to Schedule B.

2. The Ceding Company and the Reinsurer agree that Schedule B of the Agreement shall be replaced in its entirety with Schedule B attached hereto.

All terms, provisions and conditions of this Agreement will continue unchanged except as specifically revised in this Amendment.

In WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed by their duly authorized representatives.

LINCOLN NATIONAL REINSURANCETHE LINCOLN NATIONAL LIFE   COMPANY (BARBADOS) LIMITEDINSURANCE COMPANY

By: /s/ Kristine M. KattmanBy: /s/ William A. Panyard

Name: __Kristine M. Kattmann_____________Name: __William A. Panyard______________

Title: ___Vice President ___________________Title: ___Assistant Vice President___________

Date: 5 Nov. 2020Date: November 5, 2020

SCHEDULE B

CONTRACTS WITH ACCEPTED COVERAGES

Contracts covered by this Agreement include all Contracts either issued by the Ceding Company directly or issued by Lincoln Life & Annuity Company of New York and reinsured with the Ceding Company and included in the following list:

ChoicePlus Variable Annuity

ChoicePlus Access Variable Annuity

ChoicePlus Bonus Variable Annuity (issued by the Ceding Company only)

ChoicePlus II Variable Annuity

ChoicePlus II Access Variable Annuity

ChoicePlus II Bonus Variable Annuity

ChoicePlus II Advance Variable Annuity

ChoicePlus Assurance (A Share) (includes wrap fee version)

ChoicePlus Assurance (B Share)

ChoicePlus Assurance (C Share)

ChoicePlus Assurance (Bonus)

ChoicePlus Assurance (L Share)

ChoicePlus Momentum Income Option

ChoicePlus Design (includes all share classes)

American Legacy I (issued by the Ceding Company only)

American Legacy II (issued by the Ceding Company only)

American Legacy III

American Legacy III Plus

American Legacy III View

American Legacy III C-Share

Shareholders Advantage (includes wrap fee version)

American Legacy Design (includes all share classes)

Multi-Fund 1 (issued by the Ceding Company only)

Multi-Fund 2 (issued by the Ceding Company only)

Multi-Fund 3 (issued by the Ceding Company only)

Multi-Fund 4 (issued by the Ceding Company only)

Multi-Fund 5 (issued by the Ceding Company only)

Multi-Fund Select (issued by the Ceding Company only)

Accru Variable Annuity (issued by the Ceding Company only)

Accru ChoicePlus (issued by the Ceding Company only)

Lincoln Investor Advantage^® B-Share

Lincoln Investor Advantage^® C-Share

Lincoln Investor Advantage^® Fee Based

Lincoln Investor Advantage^® RIA

American Legacy Series B-Share

American Legacy Series L-Share

American Legacy Series C-Share

American Legacy Signature 1

American Legacy Signature 2

American Legacy Fusion

Shareholder’s Advantage A-Class

American Legacy III^®B-Class

Lincoln Choice Plus^SM Fusion

Lincoln Choice Plus^SM Signature 1

Lincoln Choice Plus^SM Signature 2

Lincoln Choice Plus Assurance^SM Series B-Share

Lincoln Choice Plus Assurance^SM Series L-Share

Lincoln Choice Plus Assurance^SM Series C-Share

Lincoln Choice Plus Assurance^SM Series B-Class

Lincoln Choice Plus Assurance^SM (Prime)

Lincoln Choice Plus Assurance^SM Rollover

Lincoln Choice Plus Assurance^SM A-Class

Lincoln InvestmentSolutions^SM

Lincoln Choice Plus^SM Advisory

American Legacy^® Advisory

Lincoln Investor Advantage^® Advisory

Lincoln Investor Advantage^® RIA Class

Lincoln Investment Solutions^® RIA

Lincoln Core Income^SM

American Legacy^® Target Date Income B-Share

American Legacy^® Target Date Income Advisory

Lincoln Choice Plus^SM Select B-Share

Lincoln Investor Advantage^® Advisory Choice