Contract

Exhibit 99-B.8.9
RULE 22C-2 AGREEMENT

This AGREEMENT, made and entered into as of this 1^stday of May, 2008, between Saturna
Brokerage Services, Inc. (the “Fund”) as principal underwriter for each of the funds listed on the
attached Schedule A (the “Amana Funds”) and ING Life Insurance and Annuity Company, ING
National Trust, ING USA Annuity and Life Insurance Company, ReliaStar Life Insurance
Company, ReliaStar Life Insurance Company of New York, and Systematized Benefits
Administrators Inc. (individually an “Intermediary” and collectively the “Intermediaries”)

WHEREAS, the Fund and the Intermediary have entered into a fund participation and/or selling
and service agreement dated May 1, 2008;

WHEREAS, the Intermediaries have adopted policies and procedures to monitor and deter
excessive trading activity within the mutual funds, including the Funds, available through the
variable annuity, variable life insurance and variable retirement plan products which they offer
(the “Variable Products”);

WHEREAS, the Intermediaries’ policies and procedures to monitor and deter excessive trading
activity within the mutual funds available through their Variable Products are attached hereto
and made part of this Agreement as Schedule B (the “Excessive Trading Policy”);

WHEREAS, the Fund desires for the Intermediaries to monitor and deter excessive trading
activity in the Funds in accordance with the Intermediaries’ Excessive Trading Policy; and

WHEREAS, the parties desire to otherwise comply with the requirements under Rule 22c-2 of
the Investment Company Act of 1940, as amended (“Rule 22c-2”).

NOW, THEREFORE, in consideration of the mutual covenants herein contained, which
consideration is full and complete, the Fund and the Intermediaries hereby agree as follows:

A. Agreement to Monitor and Deter Excessive Trading Activity.

1. The Intermediaries agree to monitor and deter excessive trading activity in the Funds which
are available through their Variable Products in accordance with the Intermediaries’ Excessive
Trading Policy. Said Excessive Trading Policy may be amended from time to time with the consent
of the parties, which consent will not be unreasonably withheld.

2. The Intermediaries agree to provide the Fund the taxpayer identification number (“TIN”), if
requested, or any other identifying factor that would provide acceptable assurances of the identity
of all shareholders that are restricted to regular U.S. mail trading under the Intermediaries’ Excessive
Trading Policy.

B. Agreement to Provide Shareholder Information.

1. Each Intermediary agrees to provide the Fund, upon written request, the following shareholder
information:

a. The taxpayer identification number (“TIN”) or any other government issued identifier, if known, that
would provide acceptable assurances of the identity of each shareholder that has purchased, redeemed,
transferred or exchanged shares of a Fund through an account directly maintained by the Intermediaries
during the period covered by the request;

b.	The amount and dates of, and the Variable Product(s) associated with, such shareholder purchases, redemptions, transfers and exchanges; and

c.	Any other data mutually agreed upon in writing.

2. Unless specifically requested by the Fund, the Intermediaries shall only be
required to provide information relating to Covered Transactions.

3. Under this Agreement the term “Covered Transactions” are those transactions
which the Intermediaries consider when determining whether trading activity is excessive as
described in their Excessive Trading Policy under paragraph 1 of said Policy.

4. Requests to provide shareholder information shall set forth the specific period for
which transaction information is sought. However, unless otherwise agreed to by the
Intermediaries, any such request will not cover a period of more than 90 consecutive calendar
days from the date of the request.

5. The Intermediaries agree to provide, promptly upon request of the Fund the
shareholder information requested. If requested by the Fund, the Intermediaries agree to use best
efforts to determine promptly whether any specific person about whom they have received
shareholder information is itself a financial intermediary (“indirect intermediary”) and, upon
further request of the Fund, promptly either (i) provide (or arrange to have provided) shareholder
information for those shareholders who hold an account with an indirect intermediary or (ii)
restrict or prohibit the indirect intermediary from purchasing shares, in nominee name on behalf
of other persons, securities issued by a Fund. Responses required by this paragraph must be
communicated in writing and in a format mutually agreed upon by the parties. To the extent
practicable, the format for any Shareholder Information provided to the Fund should be
consistent with the NSCC Standardized Data Reporting Format.

C. Agreement to Restrict Trading.

1. Each Intermediary agrees to execute written instructions from the Fund to restrict
or prohibit further Covered Transactions involving Fund shares by a shareholder who has been
identified by the Fund as having engaged in transactions in shares of a Fund (through an account
directly maintained by the Intermediary) that violate the policies and procedures established by
the Funds for the purposes of eliminating or reducing frequent trading of Fund shares. Unless
otherwise directed by the Fund, any such restrictions or prohibitions only apply to Covered
Transactions.

2(a) For those shareholders whose information is on the Intermediaries’ books and
records, the Intermediaries agree to execute or have executed the written instructions from the
Fund or its designee to restrict or prohibit trading as soon as reasonably practicable after receipt
of the instructions by the Intermediaries. The Intermediaries will provide written confirmation to
the Fund as soon as reasonably practicable after the instructions have been executed.

2(b) For those shareholders whose information is not on the Intermediaries’ books and
records the Intermediaries agree to execute or have executed the written instructions from the
Fund to restrict or prohibit trading as soon as reasonably practicable after receipt of the
instructions by the Intermediaries. The Intermediaries will provide written confirmation to the
Fund as soon as reasonably practicable that such instructions have or have not been executed. If
an indirect intermediary is unable or unwilling to restrict or prohibit trading by a Shareholder,

upon the Funds’ written request, the Intermediary will restrict or prohibit transactions in Fund
Shares by the indirect intermediary.

3. Instructions to restrict or prohibit further Covered Transactions involving Fund
shares must include:

a. The reason for requesting the restriction(s) and/or prohibition(s), supporting
details regarding the transaction activity which resulted in the restriction(s)
and/or prohibition(s)s and the applicable sections of the Fund’s frequent
trading policy and procedures that have been violated;

b. The specific restriction(s) and/or prohibition(s) to be executed, including the
length of time such restriction(s) and/or prohibition(s) shall remain in place;

c. The TIN or any other government issued identifier, if known by the Fund, that
would help the Intermediaries determine the identity of affected
shareholder(s); and

d. Whether such restriction(s) and/or prohibition(s) are to be executed in relation
to all of the affected shareholder’s Variable Products, only the type of
Variable Product(s) through which the affected shareholder engaged in
transaction activity which triggered the restriction(s) and/or prohibition(s) or
in some other respect. In absence of direction from the Fund in this regard,
restriction(s) and/or prohibition(s) shall be executed as they relate to the
Intermediary’s Variable Product(s) through which the affected shareholder
engaged in the transaction activity which triggered the restriction(s) and/or
prohibition(s).

D. Limitation on Use of Information.

The Fund agrees neither to use the information received from the Intermediary for any purpose
other than to comply with SEC Rule 22c-2 and other applicable laws, rules and regulations, nor
to share the information with anyone other than its employees who legitimately need access to it.
Neither the Fund nor any of its affiliates or subsidiaries may use any information provided
pursuant to this Agreement for marketing or solicitation purposes. The Fund will take such steps
as are reasonably necessary to ensure compliance with this obligation.

The Fund shall indemnify and hold the Intermediaries, individually and collectively, (and any of
their respective directors, officers, employees, or agents) harmless from any damages, loss, cost,
or liability (including reasonable legal fees and the cost of enforcing this indemnity) arising out
of or resulting from any unauthorized use of or disclosure by the Fund of the information
received from the Intermediaries pursuant to this Agreement. In addition, because an award of
money damages (whether pursuant to the foregoing sentence or otherwise) may be inadequate
for any breach of this provision and any such breach may cause the Intermediaries irreparable
harm, the Fund also agrees that, in the event of any breach or threatened breach of this provision,
the Intermediaries will also be entitled, without the requirement of posting a bond or other
security, to seek equitable relief, including injunctive relief and specific performance. Such
remedies will not be the exclusive remedies for any breach of this provision but will be in
addition to all other remedies available at law or in equity to the Intermediaries.

In the event that the Fund is required by legal process, law, or regulation to disclose any
information received from the Intermediaries pursuant to this Agreement, to the extent permitted

by law, the Fund shall provide Intermediaries with prompt written notice of such requirement as
far in advance of the proposed disclosure as possible so that the Intermediaries (at their expense)
may either seek a protective order or other appropriate remedy which is necessary to protect their
interests or waive compliance with this provision to the extent necessary.

E. Fund Participation and/or Selling and Service Agreements.

The terms of this Agreement supplement the fund participation and/or selling and service
agreements and to the extent the terms of this Agreement conflict with the terms of the fund
participation and/or selling and service agreements, the terms of this Agreement will control.
This Agreement will terminate upon termination of the fund participation and/or selling and
service agreements.

F. Notices.

1.	Except as otherwise provided, all notices and other communications hereunder
shall be in writing and shall be sufficient if delivered by hand or if sent by confirmed facsimile or
e-mail, or by mail, postage prepaid, addressed:

	a.	If to Intermediaries, to:

		ING U.S. Financial Services
		Attention: [Xxxxxxxxxx Xxxxxxx]
		Address:	[151 Xxxxxxxxxx Xxxxxx]
			[Xxxxxxxx, XX 00000-0000]
		Phone:	[000-000-0000]
		Fax:	[000-000-0000]
		Email:	[Xxxxxxxxxx.Xxxxxxx@xx.xxx.xxx]

	Effective December 17, 2007:

	ING U.S. Financial Services
	Xxx Xxxxxx Xxx
	Xxxxxxx, XX 00000-0000

b.	If to the Fund, to:

	Saturna Brokerage Services, Inc.
	Attention: Xxxxxx X. XxXxxxxxx
	Address:	0000 X. Xxxxx Xxxxxx,
		Xxxxxxxxxx, XX 00000
	Phone:	000-000-0000 x000
	Fax:	000-000-0000
	Email:	xxx@xxxxxxx.xxx

2.	The parties may by like notice, designate any future or different address to
which subsequent notices shall be sent. Any notice shall be deemed given when received

IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be executed
in its name and on its behalf by its duly authorized officer as of the date first written above.

ING Life Insurance and Annuity Company		Systematized Benefits Administrators Inc.
By:	/s/ Xxxxxxxxxx Xxxxxxx	By:	/s/ Xxxxxxxxxx Xxxxxxx

Name	Xxxxxxxxxx Xxxxxxx	Name and	Xxxxxxxxxx Xxxxxxx
and Title:	Authorized Representative	Title:	Authorized Representative

ING National Trust		Saturna Brokerage Services, Inc.
By:	/s/ Xxxxxxxxxx Xxxxxxx	By:	/s/ Xxxxxx X. XxXxxxxxx

Name	Xxxxxxxxxx Xxxxxxx	Name	Xxxxxx X. XxXxxxxxx
and Title:	Authorized Representative	and Title:	Chief Financial Officer

ING USA Annuity and Life Insurance
Company
By:	/s/ Xxxxxxxxxx Xxxxxxx

Name	Xxxxxxxxxx Xxxxxxx
and Title:	Authorized Representative

ReliaStar Life Insurance Company
By:	/s/ Xxxxxxxxxx Xxxxxxx

Name	Xxxxxxxxxx Xxxxxxx
and Title:	Authorized Representative

ReliaStar Life Insurance Company of New
York
By:	/s/ Xxxxxxxxxx Xxxxxxx

Name	Xxxxxxxxxx Xxxxxxx
and Title:	Authorized Representative

Schedule A

Saturna Brokerage Services (the “Fund”) is principal underwriter for each series/portfolio
of the following funds:

• Amana Mutual Funds Trust·
• Amana Growth Fund·
• Amana Income Fund

A-1

Schedule B

ING “Excessive Trading” Policy

The ING family of insurance companies (“ING”), as providers of multi-fund variable insurance and
retirement products, has adopted this Excessive Trading Policy to respond to the demands of the various
fund families which make their funds available through our variable insurance and retirement products
to restrict excessive fund trading activity and to ensure compliance with Section 22c-2 of the Investment
Company Act of 1940, as amended. ING’s current definition of Excessive Trading and our policy with
respect to such trading activity is outlined below.

1.	ING actively monitors fund transfer and reallocation activity within its variable insurance and retirement products to identify Excessive Trading.

	ING currently defines Excessive Trading as:

	a.	More than one purchase and sale of the same fund (including money market funds) within a 60 calendar day period (hereinafter, a purchase and sale of the same fund is referred to as a “round-trip”). This means two or more round-trips involving the same fund within a 60 calendar day period would meet ING’s definition of Excessive Trading; or

	b.	Six round-trips within a twelve month period.

	The following transactions are excluded when determining whether trading activity is excessive:

	a.	Purchases or sales of shares related to non-fund transfers (for example, new purchase payments, withdrawals and loans);

	b.	Transfers associated with scheduled dollar cost averaging, scheduled rebalancing or scheduled asset allocation programs;

	c.	Purchases and sales of fund shares in the amount of $5,000 or less;

	d.	Purchases and sales of funds that affirmatively permit short-term trading in their fund shares, and movement between such funds and a money market fund; and

	e.	Transactions initiated by a member of the ING family of insurance companies.

2.	If ING determines that an individual has made a purchase of a fund within 60 days of a prior round- trip involving the same fund, ING will send them a letter warning that another sale of that same fund within 60 days of the beginning of the prior round-trip will be deemed to be Excessive Trading and result in a six month suspension of their ability to initiate fund transfers or reallocations through the Internet, facsimile, Voice Response Unit (VRU), telephone calls to the ING Customer Service Center, or other electronic trading medium that ING may make available from time to time (“Electronic Trading Privileges”). Likewise, if ING determines that an individual has made five round-trips within a twelve month period, ING will send them a letter warning that another purchase and sale of that same fund within twelve months of the initial purchase in the first round-trip in the prior twelve month period will be deemed to be Excessive Trading and result in a six month suspension of their Electronic Trading Privileges. According to the needs of the various business units, a copy of the warning letters may also be sent, as applicable, to the person(s) or entity authorized to initiate fund transfers or reallocations, the agent/registered representative or investment adviser for that individual. A copy of the warning letters and details of the individual’s trading activity may also be sent to the fund whose shares were involved in the trading activity.

B-1

3.	If ING determines that an individual has used one or more of its products to engage in Excessive Trading, ING will send a second letter to the individual. This letter will state that the individual’s Electronic Trading Privileges have been suspended for a period of six months. Consequently, all fund transfers or reallocations, not just those which involve the fund whose shares were involved in the Excessive Trading activity, will then have to be initiated by providing written instructions to ING via regular U.S. mail. During the six month suspension period, electronic “inquiry only” privileges will be permitted where and when possible. A copy of the letter restricting future transfer and reallocation activity to regular U.S. mail and details of the individual’s trading activity may also be sent to the fund whose shares were involved in the Excessive Trading activity.

4.	Following the six month suspension period during which no additional Excessive Trading is identified, Electronic Trading Privileges may again be restored. ING will continue to monitor the fund transfer and reallocation activity, and any future Excessive Trading will result in an indefinite suspension of the Electronic Trading Privileges. Excessive Trading activity during the six month suspension period will also result in an indefinite suspension of the Electronic Trading Privileges.

5.	ING reserves the right to limit fund trading or reallocation privileges with respect to any individual, with or without prior notice, if ING determines that the individual’s trading activity is disruptive, regardless of whether the individual’s trading activity falls within the definition of Excessive Trading set forth above. Also, ING’s failure to send or an individual’s failure to receive any warning letter or other notice contemplated under this Policy will not prevent ING from suspending that individual’s Electronic Trading Privileges or taking any other action provided for in this Policy.

6.	Each fund available through ING’s variable insurance and retirement products, either by prospectus or stated policy, has adopted or may adopt its own excessive/frequent trading policy. ING reserves the right, without prior notice, to implement restrictions and/or block future purchases of a fund by an individual who the fund has identified as violating its excessive/frequent trading policy. All such restrictions and/or blocking of future fund purchases will be done in accordance with the directions ING receives from the fund.

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