0000837010-18-000047 Sample Contracts

DISTRIBUTION AGREEMENT
Distribution Agreement • April 2nd, 2018 • VOYA RETIREMENT INSURANCE & ANNUITY Co • Life insurance • Connecticut

This AGREEMENT is made this 2nd day of December, 2009, by and between ING Life Insurance and Annuity Company, (“ILIAC”) a Connecticut corporation, on its own behalf and on behalf of Variable Annuity Account B (the “Account”) and Directed Services LLC, (“DSL”), a Delaware limited liability company.

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ING Life Insurance and Annuity Company
VOYA RETIREMENT INSURANCE & ANNUITY Co • April 2nd, 2018 • Life insurance

[Windsor, Connecticut] [Customer Service Center P.O. Box 10450 909 Locust Street Des Moines, Iowa 50306-0450] [1-888-854-5950] Important terms and definitions used in this Contract appear on page 4.

Contract
Intercompany Agreement • April 2nd, 2018 • VOYA RETIREMENT INSURANCE & ANNUITY Co • Life insurance • Delaware

THIS AGREEMENT is executed as of the date below between Directed Services LLC (“DSL”), and ING Life Insurance and Annuity Company (“ILIAC”).

Amendment No. 5 TO THE INTERCOMPANY AGREEMENT
Intercompany Agreement • April 2nd, 2018 • VOYA RETIREMENT INSURANCE & ANNUITY Co • Life insurance

This Amendment No. 5, effective as of March 01, 2016, amends the Intercompany Agreement, dated as of December 22, 2010, as amended (the “Agreement”), by and between Directed Services LLC (“DSL”) and ING Life Insurance and Annuity Company (“ILIAC”) (now known as “Voya Retirement Insurance and Annuity Company” or “VRIAC”).

AMENDMENT TO DISTRIBUTION AGREEMENT
Distribution Agreement • April 2nd, 2018 • VOYA RETIREMENT INSURANCE & ANNUITY Co • Life insurance

This amendment is made effective September 6, 2017, and amends the Distribution Agreement (the “Agreement”) dated December 2, 2009, between Voya Retirement Insurance and Annuity Company (formerly known as ING Life Insurance and Annuity Company), a Connecticut corporation (“VRIAC”) on its own behalf and on behalf of Variable Annuity Account B (the “Account”) and Directed Services LLC (“DSL”). VRIAC, the Account and DSL shall be collectively known as the “Parties.”

Contract
The Intercompany Agreement • April 2nd, 2018 • VOYA RETIREMENT INSURANCE & ANNUITY Co • Life insurance

Exhibit 16(1)(vi) Amendment No. 3 TO THE INTERCOMPANY AGREEMENT This Amendment No. 3, effective as of April 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 Retirement Insurance and Annuity Company (“VRIAC”). W I T N E S S E T H WHEREAS, DSL is an investment adviser for certain U.S. registered investment companies (“Funds”) and a registered broker-dealer distributing variable insurance contracts; and WHEREAS, VRIAC is an insurance company which offers a variety of insurance products, including variable annuities and which also provides administrative services to various tax-advantaged plans and programs established under Section 401(a), 403(b), 457 or 408 of the Internal Revenue Code (“Code”), certain non-qualified deferred compensation arrangements, and to custodial accounts established under Code Sections 403(b)(7) or 408 (collectively “non-insurance customers”); and WHEREAS

Amendment No. 4 TO THE INTERCOMPANY AGREEMENT
Intercompany Agreement • April 2nd, 2018 • VOYA RETIREMENT INSURANCE & ANNUITY Co • Life insurance

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 Retirement Insurance and Annuity Company (“VRIAC”).

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