0000836687-15-000181 Sample Contracts

PARTICIPATION AGREEMENT
Participation Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co • Massachusetts

THIS AGREEMENT, dated as of the 20th day of April, 2015 by and among VOYA INSURANCE AND ANNUITY COMPANY (the "Company"), an Iowa stock life insurance company, on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A hereto as may be amended from time to time (each separate account hereinafter referred to as the "Account"), DIRECTED SERVICES, LLC (the “Company Distributor”), DEUTSCHE VARIABLE SERIES I, DEUTSCHE VARIABLE SERIES II and DEUTSCHE INVESTMENTS VIT FUNDS (individually, a "Fund"), each a Massachusetts business trust created under a Declaration of Trust, as amended, DeAWM DISTRIBUTORS, INC. (the "Underwriter"), a Delaware corporation, and DEUTSCHE INVESTMENT MANAGEMENT AMERICAS INC., a Delaware corporation (the “Adviser”). The parties agree that a single document is being used for ease of administration and that this Agreement shall be treated as if it were a separate agreement with respect to each Fund, and each series thereof, tha

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PARTICIPATION AGREEMENT Voya Insurance and Annuity Company
Participation Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co • Kansas

This Participation Agreement (“Agreement”), dated as of the 20 day of May, 2015, is made by and between Voya Insurance AND ANNUITY Company (“Company”), on behalf of itself and each of the separate accounts identified on Exhibit A, which is attached hereto, as the parties hereto may amend from time to time (“Variable Accounts”), DIRECTED SERVICES, LLC (“Company Distributor”). WADDELL & REED, INC. (“W&R”), distributor for Ivy Funds Variable Insurance Portfolios, and IVY FUNDS VARIABLE INSURANCE PORTFOLIOS (“Ivy Funds VIP”).

PARTICIPATION AGREEMENT Among PUTNAM VARIABLE TRUST PUTNAM RETAIL MANAGEMENT LIMITED PARTNERSHIP And VOYA INSURANCE AND ANNUITY COMPANY DIRECTED SERVICES, LLC
Participation Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co • Massachusetts

THIS AGREEMENT, made and entered into as of this 28th day of May, 2015, among VOYA INSURANCE AND ANNUITY COMPANY (the "Company"), an Iowa stock life insurance company, on its own behalf and on behalf of each separate account of the Company (each such account hereinafter referred to as the "Account"), DIRECTED SERVICES, LLC (“Company Distributor”), PUTNAM VARIABLE TRUST (the "Trust"), a Massachusetts business trust, and PUTNAM RETAIL MANAGEMENT LIMITED PARTNERSHIP (the "Underwriter"), a Massachusetts limited partnership.

PARTICIPATION AGREEMENT
Participation Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co • Maryland

THIS AGREEMENT, made and entered into as of this 1st day of May, 2015 by and among Voya Life and Annuity Company (hereinafter, the "Company"), an Iowa stock life insurance company, on its own behalf and on behalf of each segregated asset account of the Company(each account hereinafter referred to as the "Account"), and the undersigned funds, each, a corporation organized under the laws of Maryland (each hereinafter referred to as the "Fund") and T. Rowe Price Investment Services, Inc. (hereinafter the "Underwriter"), a Maryland corporation.

Amendment No. 2 to the Fund Participation Agreement
Fund Participation Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co

This Amendment No. 2 (“Amendment”) dated as of April 1, 2015, is to the Fund Participation Agreement dated April 30, 2003, as amended, (“Agreement”) by and among VOYA Insurance and Annuity Company (formerly known as ING USA Annuity and Life Insurance Company and Golden American Life Insurance Company), an Iowa stock life insurance company (the Company) on behalf of itself and certain of its separate accounts; (each an “Account Directed Services LLC, a Delaware limited liability corporation (“Company Distributor”); Voya Retirement Insurance and Annuity Company (formerly known as ING Life Insurance and Annuity Company), a life insurance company organized under the laws of the State of Connecticut; Reliastar Life Insurance Company, a life insurance company organized under the laws of the State of Minnesota; Reliastar Life Insurance Company of New York, a life insurance company organized under the laws of the State of New York; Security Life of Denver Insurance Company, a life insurance co

ADMINISTRATIVE SERVICES AGREEMENT
Administrative Services Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co

This Agreement (“Agreement”) is between Voya Life and Annuity Company ( “Company”) and undersigned T. Rowe Price Associate, Inc. (Price Associates”) concerning certain administration services to be provided by Company, with respect to the T. Rowe Price Equity Series, Inc., T. Rowe Price Fixed Income Series, Inc., and T. Rowe Price International Series, Inc. (the “Fund” and collectively, the “Funds”).

DISTRIBUTION SERVICES AGREEMENT
Distribution Services Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co

This Agreement (“Agreement”) between Directed Services, LLC ("Company Distributor") and T. Rowe Price Investment Services, Inc., (the "Distributor"), is intended to supplement the Participation Agreement dated May 1, 2015 by and between Voya Life and Annuity Company (the “Company”), certain portfolios of funds referred to as “Funds”, and T. Rowe Price Investment Services, Inc. (“Participation Agreement”). All terms herein, unless otherwise defined, shall have the same meaning as used in the Participation Agreement.

AMENDMENT NO. 2 TO THE BUSINESS AGREEMENT DATED April 30, 2003
Fund Participation Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co

This Amendment is entered into as of the 1st day of April, 2015 (the “Effective Date”) by and among Voya Insurance and Annuity Company (formerly known as ING USA Annuity and Life Insurance Company), an Iowa stock life insurance company (the “Company”) on behalf of itself and certain of its separate accounts, (each an “Account”); Directed Services, LLC, a Delaware limited liability company (the “Distributor”); Voya Retirement Insurance and Annuity Company (formerly ING Life Insurance and Annuity Company), a life insurance company organized under the laws of the State of Connecticut; Reliastar Life Insurance Company, a life insurance company organized under the laws of the State of Minnesota; Reliastar Life Insurance Company of New York, a life insurance company organized under the laws of the State of New York; Security Life of Denver Insurance Company, a life insurance company organized under the laws of the State of Colorado; Voya America Equities, Inc. (formerly known as ING America

VARIABLE ANNUITY FUND/SERV & NETWORKING AGREEMENT
Variable Annuity Fund/Serv & Networking Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co • New York

This Agreement is entered as of August 24, 2015 between Voya Insurance and Annuity Company (the “Firm”), an Iowa stock life insurance company, and DeAWM Service Company (“DSC”), the transfer agent or sub-transfer agent of each investment company managed by Deutsche Investment Management Americas Inc. (“DIMA”), located at 222 South Riverside Plaza, Chicago, IL 60606-5808.

PARTICIPATION AGREEMENT
Participation Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co

The Participation Agreement (the “Agreement”), dated as of July 13, 2001, by and among AIM Variable Insurance Funds, Golden American Life Insurance Company, and Directed Services, Inc., is hereby amended as follows:

AMENDMENT No. 2 TO THE ADMINISTRATIVE SERVICES AGREEMENT
Administrative Services Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co

This AMENDMENT No. 2, dated as of May 28, 2015, and effective as of April 1, 2015 (the “Effective Date”) is made to the Administrative Services Agreement dated April 25, 2008, as amended (the “Agreement”) by and between BLACKROCK ADVISORS, LLC (“BAL”) and VOYA INSURANCE AND ANNUITY COMPANY (formerly, ING USA Annuity and Life Insurance Company), RELIASTAR LIFE INSURANCE COMPANY, Reliastar Life Insurance company of New york and SECURITY LIFE OF DENVER INSURANCE COMPANY. all such entities shall be collectively known as the “Parties.”

MARKETING AND ADMINISTRATIVE SERVICES AGREEMENT
Marketing and Administrative Services Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co • Massachusetts

VOYA INSURANCE AND ANNUITY COMPANY (“Firm”), and PUTNAM RETAIL MANAGEMENT LIMITED PARTNERSHIP (“Distributor”) mutually agree to the arrangements set forth in this Marketing and Administrative Services Agreement (the “Agreement”) dated May 28, 2015. Firm and the Distributor are referred to collectively herein as the “Parties.”

JOINDER TO PARTICIPATION AGREEMENT AMONG MFS VARIABLE INSURANCE TRUST, MASSACHUSETTS FINANCIAL SERVICES COMPANY, AND Voya retirement insurance and annuity company
Participation Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co

THIS JOINDER TO PARTICIPATION AGREEMENT (“Joinder”) is entered into by MFS Variable Insurance Trust (“Trust I”), Massachusetts Financial Services Company, (“MFS”), Voya Retirement Insurance and Annuity Company ("Voya Retirement"), and Voya Insurance and Annuity Company ("Voya Insurance"), for the purpose of amending the Participation Agreement dated April 17, 1996 by and among Trust I, MFS, and Voya Retirement (the “Agreement”), as amended, to add Voya Insurance as a party thereto as of the date hereof.

AMENDMENT No. 2 TO THE FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co

This AMENDMENT No. 2, dated as of March 31, 2015, and effective as of April 1, 2015 (the “Effective Date”) is made to the Fund Participation Agreement dated April 25, 2008, as amended (the “Agreement”) by and between BLACKROCK INVESTMENTS, LLC (the “Underwriter” or “BIL”) and VOYA INSURANCE AND ANNUITY COMPANY (formerly ING USA Annuity and Life Insurance Company), RELIASTAR LIFE INSURANCE COMPANY, RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK and SECURITY LIFE OF DENVER INSURANCE COMPANY (collectively, the “Company”). BAL and the Company shall be collectively known as the “Parties.”

AMENDMENT NO. 3 TO THE INTERCOMPANY AGREEMENT
Intercompany Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co

This Amendment No. 3, effective as of May 01, 2015, amends the Intercompany Agreement, dated as of December 22, 2010, as amended (the “Agreement”), by and between Voya Investment Management LLC (“VIM”) and Voya Insurance and Annuity Company (“VIAC”).

Amendment No. 4 TO THE INTERCOMPANY AGREEMENT
Intercompany Agreement • December 7th, 2015 • SEPARATE ACCOUNT B OF VOYA INSURANCE & ANNUITY Co

This Amendment No. 4, effective as of May 01, 2015, amends the Intercompany Agreement, dated as of December 22, 2010, as amended (the “Agreement”), by and between Directed Services LLC (“DSL”) and Voya Insurance and Annuity Company (“VIAC”).

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