0000836687-06-000327 Sample Contracts

ING USA ANNUITY AND LIFE INSURANCE COMPANY ING USA is a stock company domiciled in Iowa (HEREINAFTER CALLED WE, US AND OUR)
Separate Account B of Ing Usa Annuity Life Insurance Co • May 9th, 2006

The Contract to which this Minimum Guaranteed Withdrawal Benefit Rider (this “Rider”) is attached is hereby modified by the provisions of this Rider. The Rider's provisions shall control when there is a conflict between this Rider and the Contract. Any capitalized terms not defined in this Rider shall have the meaning given to them in the Contract.

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ING USA ANNUITY AND LIFE INSURANCE COMPANY
Separate Account B of Ing Usa Annuity Life Insurance Co • May 9th, 2006

In consideration of application for this Contract and the payment of premiums, we agree, subject to the terms and conditions of this Contract, to provide the benefits described on this and the following pages.

ING USA AND LIFE INSURANCE COMPANY
Separate Account B of Ing Usa Annuity Life Insurance Co • May 9th, 2006

This is a legal Contract between its Owner(s) and us. In this Contract you or your refers to the Owner(s) shown above. We, our or us refers to ING USA Annuity and Life Insurance Company. You may allocate this Contract’s Accumulation Value between the Variable Separate Account and the Fixed Account.

ING USA ANNUITY AND LIFE INSURANCE COMPANY ING USA is a stock company domiciled in Iowa (HEREINAFTER CALLED WE, US AND OUR)
Separate Account B of Ing Usa Annuity Life Insurance Co • May 9th, 2006

The Contract to which this Minimum Guaranteed Income Benefit Rider (this “Rider”) is attached is hereby modified by the provisions of this Rider. The Rider's provisions shall control when there is a conflict between this Rider and the Contract. Any capitalized terms not defined in this Rider shall have the meaning given to them in the Contract.

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