CONTRACT SPECIFICATIONS

Contract Number:                     [XX-0123456]

Annuitant:                           [Abraham Lincoln]

Age at Issue:                        [35]

Contract Date:                       [May 1, 2001]

Initial Purchase Payment:            [$150,000]

Maturity Date:                       [May 1, 2056]

Owner(s):                            [Abraham Lincoln]
                                     [Mary Lincoln]

Beneficiary Designation:             [Refer to the Client Information Profile]

Death Benefit on Contract Date:      [Enhanced Guaranteed Minimum Death Benefit]


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 $30 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
     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.

VARIABLE ACCOUNT:

     The Variable Account for this Contract is the "Lincoln New York Separate
     Account H for Variable Annuities". There are currently [13] 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:

     [Global Discovery Fund]
     [Global Growth Fund]
     [Global Small Capitalization Fund]
     [Growth Fund]
     [International Fund]
     [New World Fund]
     [Blue-Chip Income and Growth Fund]
     [Growth-Income Fund]

Form CDNYAL3L 5/03

                                      3.1



     [Asset Allocation Fund]
     [Bond Fund]
     [High-Income Bond Fund]
     [U.S. Govt./AAA-Rated Securities Fund]
     [Cash Management Fund]

     See Section 4.01 for provisions governing any limitations, substitution or
     elimination of Funds.

DCA FIXED ACCOUNT:

         Minimum Guaranteed Interest Rate: 1.50% for all years

         [INITIAL GUARANTEED PERIOD / INTEREST RATE: [6 MONTHS]/[1.50%]]
         [INITIAL GUARANTEED PERIOD / INTEREST RATE: [12 MONTHS]/[1.50%]]
         [INITIAL GUARANTEED PERIOD / INTEREST RATE: [24 MONTHS]/[1.50%]]


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 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.

         Death Benefit Option(s):                                      Charges:

         - Guarantee of Principal Death Benefit                        1.60%
         - Enhanced Guaranteed Minimum Death Benefit                   1.70%

     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 the Death Benefit Option is changed after the Contract
     Date, 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 THE
     ANNUITY COMMENCEMENT DATE:  1.40%

     The daily charge will not exceed the percentage shown.

PERSISTENCY CREDIT:

     The amount of the Persistency Credit is calculated by multiplying the
     Contract Value, less any Purchase Payments that have not been invested in
     this Contract for a minimum of 7 years, by the quarterly Persistency Credit
     percentage of 0.075%. The amount of any Persistency Credit will never be
     less than zero.

TRANSFER REQUIREMENTS PRIOR TO THE 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

                                   3.2



     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 From a Variable Subaccount: The lesser
         of 1) $300; or 2) the remaining amount in the Variable Subaccount.
         Transfers to the DCA Fixed Account are not allowed.

         Minimum Transfer Amount To a Variable Subaccount: $300

     DCA Fixed Account:

         Minimum Single Transfer Amount From The DCA Fixed Account: The lesser
         of 1) $300; or 2) the remaining amount in the DCA Fixed Account. This
         restriction does not apply to automatic DCA transfers.

WITHDRAWAL AND SURRENDER REQUIREMENTS:

     Minimum Partial Withdrawal Amount: $300

     Contingent Deferred Sales Charge (CDSC): Withdrawals and/or Surrenders will
     be subject to the CDSC. The CDSC is calculated separately for each Purchase
     Payment to which a 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:

         Number of Contract Anniversaries            CDSC as a percentage of the
            Since a Purchase Payment was               surrendered or withdrawn
                      Invested                              Purchase Payment
                      --------                              ----------------
                        None                                      6.0%
                     At Least 1                                   5.0%
                     At Least 2                                   4.0%
                     At Least 3                                   3.0%
                     At Least 4                                   0.0%



     Waiver Of Contingent Deferred Sales Charge CDSC: The withdrawal of a
     portion of the Contract Value or the surrender of this Contract, prior to
     the Annuity Commencement Date may be subject to a CDSC, except that such
     charges do not apply to the following:

         a.   Each withdrawal of the Free Withdrawal Amount.

         b.   A surrender or withdrawal as a result of the "permanent and total
              disability" of the Owner. "Permanent and total disability" is
              disability that prevents the Owner from engaging in any occupation
              for remuneration or profit and which has existed continuously for
              a period of 12 months and begins prior to the 65th birthday of the
              disabled Owner, provided that written proof of total disability is
              sent to LNY at its Servicing Office.

         c.   A surrender or withdrawal as a result of the diagnosis of a
              terminal illness of the Owner. Diagnosis of the terminal illness
              must be subsequent to the Contract Date and result in a life
              expectancy of less than 12 months, as determined by a qualified
              professional medical practitioner.

         d.   A surrender or withdrawal as a result of the admittance of the
              Owner into an accredited nursing home or equivalent health care
              facility. Admittance in such a facility must be subsequent to the
              Contract Date and continue for 90 consecutive days prior to the
              surrender or withdrawal.

         e.   A surrender or withdrawal as a result of the death of the Owner or
              Annuitant.

         f.   The annuitization of the Contract.

                                      3.3



   If a non-natural person is the Owner of the Contract, the Annuitant or
   Joint Annuitant will be considered the Owner of the Contract for purposes
   of this provision.

   Free Withdrawal Amount: The Free Withdrawal Amount is the greater of:

         a. 10% of the Contract Value, where the percentages are based upon the
         Contract Value at the time of the current withdrawal, to the extent
         that the sum of the percentages of the Contract Value withdrawn does
         not exceed this 10% maximum; or

         b. 10% of the total Purchase Payments, where the percentages are based
         upon the total Purchase Payments to the Contract at the time of the
         current withdrawal, to the extent that the sum of the percentages of
         the Purchase Payments withdrawn does not exceed 10% maximum.

   The Free Withdrawal Amount does not apply to a surrender of this Contract.

   For purposes of calculating the CDSC on withdrawals, LNY assumes that:

         a.   The Free Withdrawal Amount will be withdrawn from Purchase
              Payments on a "first in-first out" (FIFO) basis.

         b.   Prior to the seventh anniversary of the Contract Date, any amount
              withdrawn above the Free Withdrawal Amount during a Contract Year
              will be withdrawn in the following order:
              1. from Purchase Payments (FIFO) until exhausted; then
              2. from Earnings until exhausted.

         c.   On or after the seventh anniversary of the Contract Date, any
              amount withdrawn above the Free Withdrawal Amount during the
              Contract Year will be withdrawn in the following order:
              1. from Purchase Payments (FIFO) to which a CDSC no longer applies
                 until exhausted; then
              2. from Earnings until exhausted; then
              3. from Purchase Payments (FIFO) to which a CDSC still applies
                 until exhausted.

DEATH BENEFIT REQUIREMENTS PRIOR TO THE ANNUITY COMMENCEMENT DATE:

   The Owner may select a Death Benefit Option(s) to be effective as of the
   Contract Date. If no Death Benefit Option is selected, the Guarantee of
   Principal Death Benefit will be the Death Benefit effective as of the
   Contract Date.

ANNUITY PAYMENT REQUIREMENTS:

   Determination of the First Annuity Payment Date:

         For 100% Fixed Annuity Payment, the Annuity Payment Date must be at
         least 30 days after the Annuity Commencement Date. If any portion of
         the annuity payment will be on a variable basis, the Annuity Payment
         Date will be 14 days after the Annuity Commencement Date. The Annuity
         Unit value, if applicable, and Contract Value used to effect annuity
         payments will be determined as of the Annuity Commencement Date.

   Minimum Annuity Payment Amount: $50

   Minimum Guaranteed Interest Rate for the Fixed Annuity Payment: 1.50%

   Assumed Investment Rate for the Variable Annuity Payment: Between 3.0% - 5.0%

   WITH A MORTALITY AND EXPENSE RISK AND ADMINSTRATIVE CHARGE OF 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% FOR VARIABLE ANNUITY OPTIONS BASED ON AN ASSUMED RATE OF RETURN OF
   3.0% PER YEAR; OR

                                      3.4



     5.40% FOR VARABLE ANNUITY OPTIONS BASED ON AN ASSUMED RATE OF RETURN OF
     4.0% PER YEAR; OR
     6.40% FOR VARIABLE ANNUITY OPTIONS BASED ON AN ASSUMED RATE OF RETURN OF
     5.0% PER YEAR.

                                      3.5