EX. 99-B.4.12
ING LIFE INSURANCE AND ANNUITY COMPANY
ENDORSEMENT
This Contract is hereby endorsed to add the following new provision to
INDIVIDUAL ANNUITY PLAN, Section 6.02, SURRENDER FEE:
(c) In an amount equal to or less than 10% of the current Contract Cash
Value, as part of the first partial surrender request in a calendar
year. The Contract Cash Value is calculated as of the date the partial
surrender request is received in good order at the Company's Home
Office. This provision does not apply to full surrender requests.
Endorsed and made a part of this Contract effective September 1, 1989.
/s/ Xxxxxx X. XxXxxxxxx
President
ING Life Insurance and Annuity Company
