EX. 99-B.4.13
ING LIFE INSURANCE AND ANNUITY COMPANY
ENDORSEMENT
This Contract is hereby endorsed to add the following new provisions to the end
of Section 6.02 - SURRENDER FEE:
No Surrender Fee is deducted from any portion of the Individual Account
which is paid:
On and after the tenth anniversary of the Effective Date of the Individual
Account; or
When the Individual Account Cash Value is $2,500 or less and no surrenders
have been taken from the Individual Account within the prior 12 months. If
there is more than one Individual Account under the Contract for a
Participant, then this provision will only apply when the total in all of
the Participant's Individual Accounts is $2,500 or less.
Endorsed and made a part of this Contract on May 1, 1989 or the Effective Date
of the Contract whichever is later.
/s/ Xxxxxx X. XxXxxxxxx
President
ING Life Insurance and Annuity Company
