Document:

ex10a.htm

Exhibit (10)(a)

Consent of Ernst & Young LLP, Independent Registered Public Accounting Firm

We consent to the reference to our firm under the caption “Independent Registered Public Accounting Firm” in Post-Effective Amendment No. 2 to the 1933 Act Registration Statement (Form N-4 No. 333-193277) and Amendment No. 322 to the 1940 Act Registration Statement (Form N-4 No. 811-09763), and to the use therein of our reports dated (a) April 1, 2015, with respect to the financial statements of Lincoln Life & Annuity Company of New York and (b) April 8, 2015, with respect to the financial statements of Lincoln New York Account N for Variable Annuities for the registration of interests in a separate account under individual flexible payment deferred variable annuity contracts.

/s/ Ernst & Young LLP

Philadelphia, Pennsylvania

December 23, 2015ex10a.htm

Exhibit (10)(a)

Consent of Ernst & Young LLP, Independent Registered Public Accounting Firm

We consent to the reference to our firm under the caption “Independent Registered Public Accounting Firm” in Post-Effective Amendment No. 25 to the 1933 Act Registration Statement (Form N-4 No. 333-141758) and Amendment No. 272 to the 1940 Act Registration Statement (Form N-4 No. 811-08441), and to the use therein of our reports dated (a) April 1, 2015, with respect to the financial statements of Lincoln Life & Annuity Company of New York and (b) April 8, 2015, with respect to the financial statements of Lincoln Life & Annuity Variable Annuity Account H for the registration of interests in a separate account under individual flexible payment deferred variable annuity contracts.

/s/ Ernst & Young LLP

Philadelphia, Pennsylvania

December 23, 2015ex10a.htm

Exhibit (10)(a)

Consent of Ernst & Young LLP, Independent Registered Public Accounting Firm

We consent to the reference to our firm under the caption “Independent Registered Public Accounting Firm” in Post-Effective Amendment No. 14 to the 1933 Act Registration Statement (Form N-4 No. 333-171097) and Amendment No. 277 to the 1940 Act Registration Statement (Form N-4 No. 811-08441), and to the use therein of our reports dated (a) April 1, 2015, with respect to the financial statements of Lincoln Life & Annuity Company of New York and (b) April 8, 2015, with respect to the financial statements of Lincoln Life & Annuity Variable Annuity Account H for the registration of interests in a separate account under individual flexible payment deferred variable annuity contracts.

/s/ Ernst & Young LLP

Philadelphia, Pennsylvania

December 23, 2015ex10a.htm

Exhibit (10)(a)

Consent of Ernst & Young LLP, Independent Registered Public Accounting Firm

We consent to the reference to our firm under the caption “Independent Registered Public Accounting Firm” in Post-Effective Amendment No. 24 to the 1933 Act Registration Statement (Form N-4 No. 333-141762) and Amendment No. 318 to the 1940 Act Registration Statement (Form N-4 No. 811-09763), and to the use therein of our reports dated (a) April 1, 2015, with respect to the financial statements of Lincoln Life & Annuity Company of New York and (b) April 8, 2015, with respect to the financial statements of Lincoln New York Account N for Variable Annuities for the registration of interests in a separate account under individual flexible payment deferred variable annuity contracts.

/s/ Ernst & Young LLP

Philadelphia, Pennsylvania

December 23, 2015EXHIBIT (4)(c)

 CONTRACT DATA PAGE 

Contract Number: [P9999999999]        Contract Date: [May 2, 2014] 

 

							
	Owner: [JOHN DOE]	 	[Date of Birth: [March 1, 1976]	  	Age at Issue: [38]]	  	
				
	[Owner: [JANE DOE]	 	Date of Birth: [June 10, 1976]	  	Age at Issue: [37]]	  	
				
	Annuitant: [JOHN DOE]	 	Date of Birth: [March 1, 1976]	  	Age at Issue: [38]	  	
				
	[Annuitant: [JANE DOE]	 	Date of Birth: [June 10, 1976]	  	Age at Issue: [37]]	  	

 Beneficiary: As named by You 

Initial Purchase Payment: [$25,000.00] 
 Maximum
Purchase Payment Without Our Approval: [$1,000,000] 
 Purchase Payment Age Limit: [Prior to the
86th birthday] 
 Minimum Subsequent Purchase Payment: [$500] 

Fixed Account Option(s) Minimum Guaranteed Interest Rate: [1.0% - 3.0%] 

Minimum Partial Withdrawal Amount: [$1,000] 
 Maximum
Penalty-Free Withdrawal Percentage: [10%] 
 Minimum Systematic Withdrawal Amount: [$100] 

Minimum Amount Remaining After Any Partial Withdrawal: [$2,500] 

Withdrawal Charge Schedule: 
  

 
 See Page [11] for Withdrawal Provisions. 

  

					
	AG-803-CIV (7/13)	  	3	  	

 CONTRACT DATA PAGE (Cont’d.) 

[Premium Tax: None] 
 Minimum Transfer Amount:
[$100] 
 Separate Account Charge [(including guaranteed death benefit risk charge of [0.10%])]: [1.65%] 

Annual Contract Maintenance Fee: [$50] 
 Transfer
Fee: [$25] 
 Earliest Annuity Date After the Contract Date: [Two years] 

Latest Annuity Date: [1st day of the month following Your 95th Birthday] 
 Separate Account: [Variable Separate Account] 

 
 

 

  

					
	AG-803-CIV (7/13)	  	4ex10a.htm

Exhibit (10)(a)

Consent of Ernst & Young LLP, Independent Registered Public Accounting Firm

We consent to the reference to our firm under the caption “Independent Registered Public Accounting Firm” in Post-Effective Amendment No. 53 to the 1933 Act Registration Statement (Form N-4 No. 033-27783) and Amendment No. 405 to the 1940 Act Registration Statement (Form N-4 No. 811-05721), and to the use therein of our reports dated (a) April 1, 2015, with respect to the consolidated financial statements of The Lincoln National Life Insurance Company and (b) April 8, 2015, with respect to the financial statements of Lincoln National Variable Annuity Account H for the registration of interests in a separate account under individual flexible payment deferred variable annuity contracts.

/s/ Ernst & Young LLP

Philadelphia, Pennsylvania

December 23, 2015ex10a.htm

Exhibit (10)(a)

Consent of Ernst & Young LLP, Independent Registered Public Accounting Firm

We consent to the reference to our firm under the caption “Independent Registered Public Accounting Firm” in Post-Effective Amendment No. 25 to the 1933 Act Registration Statement (Form N-4 No. 333-141752) and Amendment No. 314 to the 1940 Act Registration Statement (Form N-4 No. 811-09763), and to the use therein of our reports dated (a) April 1, 2015, with respect to the financial statements of Lincoln Life & Annuity Company of New York and (b) April 8, 2015, with respect to the financial statements of Lincoln New York Account N for Variable Annuities for the registration of interests in a separate account under individual flexible payment deferred variable annuity contracts.

/s/ Ernst & Young LLP

Philadelphia, Pennsylvania

December 23, 2015Filed by OTC Filings Inc. - www.otcedgar.com - 1-866-832-FILE (3453) - CHUMA HOLDINGS, INC. - Exhibit 10.1

  
 LICENSE AGREEMENT
 Prepared by Alex Abelian an individual by Chuma Holdings Inc., on December 22
  	                 
	              

 For use of the rights to use the trademark "Bong City"
 This License Agreement (this “Agreement” of this “LicenseAgreement”) is made and effective as of December 21st, 2015 (the “Commencement Date”) by and between:
 Alex Abellan an individual organized and existing in British Columbia, with a registered address at 4570 Blenkinsop Road, Victoria, BC (“Licensor”)
 and
 Chuma Holdings Inc.,a company organized and existing in Nevada, with a registered address at 8484 Wilshire Blvd. Suite 510 (“Licensee”).
 WHEREAS:

 1.
 Licensee wishes to obtain a license to use the trademark Bong City (hereinafter, the “Asset”), and 
  
 2.          Licensor is willing to grant to the Licensee a non-exclusive, non-transferable License to use the Asset for the term and specific purpose set forth in this Agreement, NOW, THEREFORE, in consideration of the foregoing, and of the mutual promises and undertakings contained herein, and other good and valuable consideration, the parties agree as follows:
  
  
  	                 
	              

 LICENSE AGREEMENT 
 	 DEFINITIONS.
 
	 LICENSE GRANT. 
 
	 CHARGES. 
 
	 LICENSEE’S OBLIGATIONS. 
 
	 INTELLECTUAL PROPERTY RIGHTS.
 
	 LIMITATION OF LIABILITY. 
 
	 CONFIDENTIALITY. 
 
	 DISCLAIMERS & RELEASE. 
 
	 INDEMNITY. 
 
	 WAIVER. 
 
	 GOVERNING LAW. 
 
	 TERMINATION. 
 
	 LICENSE FEE. 
 
	 ASSIGNMENT.
 
	 NOTICES. 
 
	 COUNTERPARTS. 
 
	 SEVERABILITY. 
 
	 ENTIRE AGREEMENT.
 
	 SCHEDULE 

1. DEFINITIONS.

 1.1 “Agreement" means this License Agreement including the attached Schedule.
 1.2 “Confidential Information" means information that:
 a/  is by its nature confidential;
 b/  is designated in writing by Licensor as confidential;
 c/  the Licensee knows or reasonably ought to know is confidential;
 d/  Information comprised in or relating to any Intellectual Property Rights of Licensor.
 1.3 “Asset" means the Asset provided by Licensor as specified in Item 6 of the Schedule in the form as stated in Item 7 of the Schedule.
 1.4 “Intellectual Property Rights" means all rights in and to any copyright, trademark, trading name, design, patent, know how (trade secrets) and all other rights resulting from intellectual activity in the industrial, scientific, literary or artistic field and any application or right to apply for registration of any of these rights and any right to protect or enforce any of these rights, as further specified in clause 5.
 1.5 “Party" means a person or business entity who has executed this Agreement; details of the Parties are specified in Item 2 of the Schedule.
 1.6 “Term" means the term of this Agreement commencing on the Commencement Date as specified in Item 4 of the Schedule and expiring on the Expiry Date specified in Item 5 of the Schedule.
  	                 
	              

         2. LICENSE GRANT.
 

 2.1 Licensor grants to the Licensee a non-exclusive, non-transferable License for the Term to use the Asset for the specific purpose specified in this Agreement, subject to the terms and conditions set out in this Agreement.

         3. CHARGES.

3.1 In consideration of the Licensor providing the License under clause 2 of this License Agreement, the Licensee agrees to pay Licensor the amount of the License Charge as specified in Item 9 of the Schedule.

         4. LICENSEE’S OBLIGATIONS.

4.1 The Licensee cannot use the Asset, for purposes other than as specified in this Agreement and in Item 8 of the Schedule.

4.2 The Licensee may permit its employees to use the Asset for the purposes described in Item 8, provided that the Licensee takes all necessary steps and imposes the necessary conditions to ensure that all employees using the Asset do not commercialise or disclose the contents of it to any third person, or use it other than in accordance with the terms of this Agreement.

4.3 The Licensee will not distribute, sell, License or sub-License, let, trade or expose for sale the Asset to a third party.

4.4 No copies of the Asset are to be made other than as expressly approved by Licensor.

4.5 No changes to the Asset or its content may be made by Licensee.

4.6 The Licensee will provide technological and security measures to ensure that the Asset which the Licensee is responsible for is physically and electronically secure from unauthorised use or access.

4.7 Licensee shall ensure that the Asset retains all Licensor copyright notices and other proprietary legends and all trademarks or service marks of Licensor.

         5. INTELLECTUAL PROPERTY RIGHTS.

5.1 All Intellectual Property Rights over and in respect of the Asset are owned by Licensor. The Licensee does not acquire any rights of ownership in the Asset.

         6. LIMITATION OF LIABILITY.

6.1 The Licensee acknowledges and agrees that neither Licensor nor its board members, officers, employees or agents, will be liable for any loss or damage arising out of or resulting from Licensor's provision of the Asset under this Agreement, or any use of the Asset by the Licensee or its employees; and Licensee hereby releases Licensor to the fullest extent from any such liability, loss, damage or claim.

         7. CONFIDENTIALITY.

7.1 Neither Party may use, disclose or make available to any third party the other Party's Confidential Information, unless such use or disclosure is done in accordance with the terms of this Agreement.

7.2 Each Party must hold the other Party's Confidential Information secure and in confidence, except to the extent that such Confidential Information:

a. is required to be disclosed according to the requirements of any law, judicial or legislative body or government agency; or

b. was approved for release in writing by the other Party, but only to the extent of and subject to such conditions as may be imposed in such written authorisation.

7.3 This clause 7 will survive termination of this Agreement.

         8. DISCLAIMERS & RELEASE.

8.1 To the extent permitted by law, Licensor will in no way be liable to the Licensee or any third party for any loss or damage, however caused (including through negligence) which may be directly or indirectly suffered in connection with any use of the Asset.

8.2 The Asset is provided by Licensor on an “as is" basis.

8.3 Licensor will not be held liable by the Licensee in any way, for any loss, damage or injury suffered by the Licensee or by any other person related to any use of the Asset or any part thereof.

8.4 Notwithstanding anything contained in this Agreement, in no event shall Licensor be liable for any claims, damages or loss which may arise from the modification, combination, operation or use of the Asset with Licensee computer programs.

8.5 Licensor does not warrant that the Asset will function in any environment.

8.6 The Licensee acknowledges that:

a. The Asset has not been prepared to meet any specific requirements of any party, including any requirements of Licensee; and
b. it is therefore the responsibility of the Licensee to ensure that the Asset meets its own individual requirements.

8.7 To the extent permitted by law, no express or implied warranty, term, condition or undertaking is given or assumed by Licensor, including any implied warranty of merchantability or fitness for a particular purpose.

 	                 
	              

         9. INDEMNITY.

9.1 The Licensee must indemnify, defend and hold harmless Licensor, its board members, officers, employees and agents from and against any and all claims (including third party claims), demands, actions, suits, expenses (including attorney's fees) and damages (including indirect or consequential loss) resulting in any way from:

a. Licensee's and Licensee's employee's use or reliance on the Asset,
b.any breach of the terms of this License Agreement by the Licensee or any Licensee employee, and
c. any other act of Licensee.

9.2 This clause 9 will survive termination of this Agreement.

         10. WAIVER.

10.1 Any failure or delay by either Party to exercise any right, power or privilege hereunder or to insist upon observance or performance by the other of the provisions of this License Agreement shall not operate or be construed as a waiver thereof.

         11. GOVERNING LAW.

11.1 This Agreement will be construed by and governed in accordance with the laws of [COUNTRY]. The Parties submit to exclusive jurisdiction of the courts of [COUNTRY].

         12. TERMINATION.

12.1 This Agreement and the License granted herein commences upon the Commencement Date and is granted for the Term, unless otherwise terminated by Licensor in the event of any of the following:

a. if the Licensee is in breach of any term of this License Agreement and has not corrected such breach to Licensor's reasonable satisfaction within 7 days of Licensor's notice of the same;
b.if the Licensee becomes insolvent, or institutes (or there is instituted against it) proceedings in bankruptcy, insolvency, reorganization or dissolution, or makes an assignment for the benefit of creditors; or
c. the Licensee is in breach of clause 5 or 7 of this Agreement.

12.2 Termination under this clause shall not affect any other rights or remedies Licensor may have.

         13. LICENSE FEE.

13.1 In consideration for the License grant described in this License Agreement, Licensee shall pay the yearly License fee as stated in Item 9 of the Schedule immediately upon execution of this Agreement and upon each anniversary date of this Agreement.

13.2 The License fee and any other amounts payable by the Licensee to the Licensor, under this Agreement, are exclusive of any and all foreign and domestic taxes, which if found to be applicable, will be invoiced to Licensee and paid by Licensee within 30 days of such invoice.

         14. ASSIGNMENT.

14.1 Licensee shall not assign any rights of this License Agreement, without the prior written consent of Licensor.

         15. NOTICES.

15.1 All notices required under this Agreement shall be in writing and shall be deemed given (i) when delivered personally; (ii) five (5) days after mailing, when sent certified mail, return receipt requested and postage prepaid; or (iii) one (1) business day after dispatch, when sent via a commercial overnight carrier, fees prepaid. All notices given by either Party must be sent to the address of the other as first written above (unless otherwise changed by written notice).

         16. COUNTERPARTS.

16.1 This Agreement may be executed in any number of counterparts, each of which shall be deemed to be an original and all of which taken together shall constitute one instrument.

         17. SEVERABILITY.

17.1 The Parties recognize the uncertainty of the law with respect to certain provisions of this Agreement and expressly stipulate that this Agreement will be construed in a manner that renders its provisions valid and enforceable to the maximum extent possible under applicable law. To the extent that any provisions of this Agreement are determined by a court of competent jurisdiction to be invalid or unenforceable, such provisions will be deleted from this Agreement or modified so as to make them enforceable and the validity and enforceability of the remainder of such provisions and of this Agreement will be unaffected.

 	                 
	              

         18. ENTIRE AGREEMENT.

18.1 This Agreement contains the entire agreement between the Parties and supersedes any previous understanding, commitments or agreements, oral or written. Further, this Agreement may not be modified, changed, or otherwise altered in any respect except by a written agreement signed by both Parties.
 IN WITNESS WHEREOF, this Agreement, including the attached Schedule, was signed by the Parties under the hands of their duly authorized representatives and made effective as of the Commencement Date.
 

 Alex Abellan an individual

                                                                              
Alex Abellan
an individual

Chuma Holdings Inc.,

                                                                             
Paul Shively
CFO

  	                 
	              

         19. SCHEDULE

Item 1.  LicenseAgreement

THE LICENSE AGREEMENT OF WHICH THIS SCHEDULE FORMS A PART IS DATED AS OF December 22 AND IS BY AND BETWEEN THE PARTIES REFERENCED IN ITEM 2 BELOW.

Item 2.  Name and Address of Licensor and Licensee

Licensor: Alex Abellan an individual, a company organized and existing in British Columbia, with a registered address at 4570 Blenkinsop Road, Victoria, BC.

Licensee: Chuma Holdings Inc.,, a company organized and existing in Nevada, with a registered address at 8484 Wilshire Blvd. Suite 510.

Item 3. Other license terms:
1.       Chuma Holdings will have the right to use the trademark “Bong City” in California.
2.       The agreement is governed under the laws of the United States of America and Canada.
3.       Chuma will have the right to negotiate for use of the trademark in other states on the same terms.
4.       Alex Abellan will have the right to sell exclusive products acquired by Chuma.      

Item 4. Commencement Date.
1.       December 22, 2015.

Item 5. Expiry Date.
1.       December 22, 2017. 2 years.
2.       The agreement can be extended or cancelled by mutual agreement.

Item 6. Description of Asset.
1.       The trademark “Bong City”. This is approved in Canada and  the United States.

Item 7. Format of Asset.
1.       Approval and description of the trademark attached.

Item 8. Approved Purpose
1.       Sale of the products listed in the trademark application
Attached.

Item 9. License Fee.
1.       4% royalty on all sales of products under the trademark “Bong City” in California by Chuma Holdings Inc.

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