EX. 99-B.4.7
ING LIFE INSURANCE AND ANNUITY COMPANY
ENDORSEMENT
This Contract is hereby endorsed. ▇▇▇▇▇▇ and replace subsection (c) of Section
6.02 entitled SURRENDER FEE for INDIVIDUAL ANNUITY plans with the following
statement.
(c) In an amount equal to or less than 10% of the Current Value, as part of the
first partial surrender request in a calendar year. The Current 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. This waiver is not available to the Contract Holder
while the Systematic Withdrawal Option (SWO) is in effect.
Endorsed and made a part of this Contract on the Contract's effective date.
/s/ ▇▇▇▇▇ ▇▇▇▇▇▇
President
ING Life Insurance and Annuity Company