Group Combination Deferred Annuity Contract (Nonparticipating) Voya Retirement Insurance and Annuity Company (VRIAC), a stock company, will pay benefits according to the terms

If you have questions about the Contract, call the toll-free number shown above.
Group Combination Deferred Annuity Contract (Nonparticipating)
Voya Retirement Insurance and Annuity Company (VRIAC), a stock company, will pay benefits according to the terms
and conditions set forth in this Contract. This Contract is delivered in Florida and is subject to the laws of that jurisdiction.
Please read this Contract carefully. It states the Company's contractual rights and obligations as well as the rights and
obligations of the Contract Holder and Participants.
Specifications
Plan
Type of Plan
VOYA RETIREMENT PLUS II
Contract Holder
Group Annuity Contract Number
Contract Effective Date
Right to Cancel
The Contract Holder may cancel this Contract within twenty-one (21) calendar days of receiving it by returning it to the
Company at the address shown above, or to the agent from whom it was purchased. Within seven calendar days of
receiving the cancellation request at its Home Office, the Company will return the Individual Account value as of the next
Valuation Date, plus any fees or charges deducted from Contributions received or from the Individual Account value.
Upon written request, the Company will provide the Contract Holder with additional information regarding the benefits and
provisions of this Contract, or the Contract Holder may call the Contact Center at 0-000-000-0000 or the Florida
Department of Financial Services Consumer Services at 0-000-000-0000. The Contract Holder may also contact the
agent using the information shown above.
Signed at the Home Office on the Effective Date.
/s/Xxxxx X. Xxxxxxxxx                                                                                          /s/Xxxxxxxx X. Xxxxx
President	Secretary
THE VARIABLE FEATURES OF THIS CONTRACT ARE DESCRIBED IN SECTIONS 3 AND 9.
Benefits may vary according to contractual terms.
All payments and values provided by the group Contract, when based on the investment experience of the
Separate Account, are variable and are not guaranteed as to fixed dollar amount. Amounts allocated to the
Guaranteed Accumulation Account, if withdrawn before a guaranteed term maturity date, may be subject to a
market value adjustment. The market value adjustment may result in an increase, or a decrease, in the Individual
Account value.
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Table of Contents
					Page
	Contract Schedule I. Accumulation Phase			S I	- 1
	Contract Schedule II. Annuity Phase			S II	- 1
	Definitions				1
	Section 1. General Contract Provisions				3
	1.01	Entire Contract			3
	1.02	Nonparticipating Contract			3
	1.03	Control of Contract			3
	1.04	Certificate			3
	1.05	Incontestability			3
	1.06	Grace Period			3
	1.07	Change of Contract			3
	1.08	Payments			4
	1.09	Deferral of Payment			4
	1.10	Proof of Age			4
	1.11	Evidence of Survival			4
	1.12	Misstatements and Adjustments			4
	1.13	Reports			5
	1.14	State Laws			5
	1.15	Claims of Creditors			5
	1.16	Maintenance Fee			5
	1.17	Charges for Additional Services			5
	1.18	Charges Subject to Change			5
	1.19	Deduction of Plan Fees			5
	1.20	Plan Administration Subsidy			6
	1.21	Recodification ¯			6
	1.22	Termination ¯			6
	Part I. Accumulation Phase				6
	Section 2. Contributions and Individual Account Value				6
	2.01	Contributions ¯			6
	2.02	Premium Tax			6
	2.03	Individual Account			6
	2.04	Experience Credit			6
	2.05	Individual Account Value			7
	2.06	Rollovers			7
	Section 3. Separate Account				7
	3.01	General			7
	3.02	Funds Available			7
	3.03	Change or Substitution of Funds			7
	3.04	Accumulation Units			7
	3.05	Accumulation Unit Value			7
	3.06	Net Investment Factor			8
	3.07	Charges to the Separate Account			8
	3.08	Fund Transfers			8
	3.09	Withdrawals from the Separate Account			8
G	-CDA(FL)-10		i

			Page
	Section 4. Fixed Plus Account II		8
	4.01	Fixed Plus Account II Minimum Guaranteed Interest Rate	8
	4.02	Transfers from the Fixed Plus Account II	8
	4.03	Partial Withdrawals from the Fixed Plus Account II	9
	4.04	Full Withdrawal of the Total Amount in the Fixed Plus Account II	9
	4.05	Waiver of Fixed Plus Account II Full Withdrawal Provision	10
	Section 5. Guaranteed Accumulation Account (GAA)		10
	5.01	Nonunitized Separate Account	10
	5.02	GAA Minimum Guaranteed Interest Rate	10
	5.03	Deposit Period	11
	5.04	Guaranteed Term	11
	5.05	Guaranteed Term Groups	11
	5.06	Maturity Date, Maturity Value and Reinvestment	11
	5.07	Transfers and Withdrawals from the GAA	11
	5.08	Application of the Market Value Adjustment	11
	5.09	GAA Market Value Adjustment (MVA)	12
	Section 6. Transfers, Withdrawals and Distributions		12
	6.01	Transfers	12
	6.02	Withdrawals	12
	6.03	Withdrawal Restrictions Under the Code	13
	6.04	Withdrawal Charge	13
	6.05	Waiver of Withdrawal Charge	13
	6.06	Reinstatement	13
	6.07	Required Distributions	14
	6.08	Systematic Distribution Options (SDOs)	14
	6.09	Individual Account Termination	14
	Section 7. Loans		14
	7.01	Loan Availability	14
	Section 8. Death Benefit During the Accumulation Phase		14
	8.01	Death Benefit	14
	8.02	Contract Beneficiary	14
	8.03	Distribution of Death Benefit	14
	Part II. Annuity Phase		15
	Section 9. General Provisions		15
	9.01	Election	15
	9.02	Annuity Options	15
	9.03	Mortality Table	16
	9.04	Payments	16
	9.05	Investment Options	16
	9.06	Fixed Annuity Minimum Guaranteed Interest Rate	16
	9.07	Variable Annuity Assumed Annual Net Return Rate Election	17
	9.08	Variable Annuity Transfers	17
	9.09	Fund Annuity Units	17
	9.10	Fund Annuity Unit Value	17
	9.11	Fund Annuity Net Return Factor	17
	9.12	Death Benefit During the Annuity Phase	18
	9.13	Charges to the Separate Account	18
	Annuity Tables		19
G	-CDA(FL)-10	ii

Contract Schedule I
Accumulation Phase
Control of Contract (see 1.03)
The Contract is established under a Plan of the Contract Holder pursuant to Section 403(b) of the Code (the
Plan).
The Contract Holder controls this Contract. By notifying us in writing, the Contract Holder may allow
Participants to choose Investment Options under the Contract for an Individual Account. The Contract
Holder may, however, retain the right to choose Investment Options under the Contract to the extent
allowed under applicable law. Unless otherwise provided by the Plan, we will make payments only at the
written direction of the Contract Holder and a Participant. This Contract is subject to the terms of the Plan,
provided that the terms of the Plan do not expand the terms of this Contract and do not impose any
responsibilities or duties on the Company greater than those set forth in this Contract.
The Company shall rely upon the Contract Holder's representations regarding the contents of the applicable
Plan document, except as otherwise agreed to by the Company. The Company shall rely upon instructions
of the Contract Holder and/or its designee in permitting Contributions to and making distributions from this
Contract (including distributions due to loans, annuity payouts, qualified domestic relations orders, hardship
Withdrawals and systematic distributions options) in accordance with the terms of the Plan.
Subject to the terms of the Plan, tax-free exchanges within the Plan and plan-to-plan transfers involving this
Contract, including transfers to a governmental defined benefit plan to purchase permissive service credits
within the meaning of Code Section 415(n), may be allowed to the extent permitted by law.
To the extent provided for in the Treasury Regulations, the Contract Holder and/or its designee is
responsible for sharing with the Company information that is necessary for the Company to administer this
Contract in accordance with the terms of the Plan, Code and the Treasury Regulations, including
information necessary for the Company to satisfy its withholding and information reporting obligations under
the Code with respect to this Contract. Except to the extent otherwise agreed between the Company and
the Contract Holder and/or its designee, the Company shall share with the Contract Holder and/or its
designee information regarding this Contract that the Contract Holder and/or its designee requests for
purposes of ensuring adherence to the terms of the Plan.
The Contract and Individual Accounts are nontransferable and nonassignable except to us in the event of a
loan (if allowed under the Contract) or in the event of a qualified domestic relations order as allowed under
the Retirement Equity Act of 1984 (REA).
Participants have a nonforfeitable right to the value of employer Contributions made to their Individual
Accounts subject to any Plan vesting limits as determined by the Contract Holder. Participants have a
nonforfeitable right to the value of employee Contributions made to their Individual Accounts as provided by
Code Section 403(b) and subject to the terms of the Plan.
The Contract Holder must notify us in writing if the Plan is, or becomes, subject to the Employee
Retirement Income Security Act of 1974 (ERISA) and/or related law or regulations including REA. We will
rely on the Contract Xxxxxx's determination and representation of the applicability of such laws. If the Plan is
subject to ERISA, before we will make a distribution from an Individual Account, the Contract Holder must
certify in writing that all applicable REA requirements have been met and that the distribution complies with
the Plan.
Claims of Creditors (see 1.15)
Individual Accounts are not subject to the claim of any creditor of the Contract Holder, a Participant or a
beneficiary, except to the extent permitted by law.
G-CDA(FL)-10	S I - 1

Maintenance Fee (see 1.16)
The maintenance fee for each Participant under the Contract is $75.00 as of the Effective Date of
the Contract and is subject to change. The fee will never exceed $75 per year.
The maintenance fee may vary (increase, decrease, or be eliminated) based on the total assets held in all
Individual Accounts under the Contract. In determining total assets, we may aggregate Individual Accounts
established under different Company Contracts. The aggregate amount is equal to the sum of assets in all
Individual Accounts under the Contract, plus the value of Individual Accounts under other Company
Contracts of the same class issued to the Contract Holder. We may determine the amount of the
maintenance fee based on total assets on an annual basis. The maintenance fee may also vary if the
Company's administrative costs associated with the Plan, or Plan administration costs that the Company
agreed to pay, increase or decrease after the Contract has been issued. The maximum fee will not exceed
that allowed under the Contract. We will determine the initial maintenance fee based on our estimate of the
amount that will be allocated to the Contract during a period mutually agreed upon by the Contract Xxxxxx
and us and based on our estimate of the Company's administrative costs in connection with the Plan.
Contribution Limits (see 2.01)
Except in the case of a rollover Contribution (as permitted by Code Sections 402(c), 402(e)(6), 403(a)(4),
403(b)(8), 403(b)(10), 408(d)(3), 457(e)(16)) and 402A(e)(1), or as a result of an intra-plan exchange or
plan-to-plan transfer described in under Control of Contract above, Contributions to the Contract must be
made by the Contract Holder (or employer if different). The Contract Holder (or employer if different) may
not make Contributions after the Participant's death, except as permitted under Section 1.403(b)-4(d) of the
Treasury Regulations.
Contributions may not exceed the applicable limits under Code Sections 415 and 402(g).
Code Section 415 contains the maximum annual contribution limit for a Participant under a Code Section
403(b) plan and includes employer nonelective contributions (including matching contributions), Code
Section 403(b) elective deferrals, and after-tax contributions. Any amounts identified to be in excess of this
limit that remain in the Contract shall be separately accounted for by the Company in accordance with Code
Section 403(c).
Code Section 403(b) elective deferrals include employee pre-tax contributions and, to the extent permitted
by the Plan and this Contract, any employee designated Xxxx contributions.
Elective deferral Contributions made to this Contract and any other plans, contracts or arrangements of the
Contract Holder on behalf of the Participant may not exceed the limits of Code Section 402(g). If the
Company is notified that a Contribution to the Contract has exceeded the limits of Code Section 402(g) or
any other applicable Code section, the Company will, upon receipt of appropriate instruction, distribute such
Contribution plus any earnings or interest and less any losses to the Participant no later than April 15 of the
year following the year of the excess Contribution or as otherwise permitted under the Code.
Rollovers (see 2.06)
To the extent allowed by the Plan, this Contract shall accept Contributions that are considered rollover
eligible amounts in accordance with Code Sections 402(c), 402(e)(6), 403(a)(4), 403(b)(8), 403(b)(10),
408(d)(3), 457(e)(16) and 402A(e)(1).
Separate Account (see 3.01)
Variable Annuity Account C
G-CDA(FL)-10	S I - 2

	Daily Charges to the Separate Account (see 3.07)
	Charges to the Separate Account are subject to change (see 1.18). The charges as of the Effective Date of
	the Contract are as follows:
	Mortality and Expense Risk Charge: 0.00% (annual basis)
		This charge will never exceed 1.50% (annual basis).
	Administrative Charge: 0.00% (annual basis)
		This charge will never exceed 0.25% (annual basis).
	Fixed Interest Options Available (see Section 4 and Section 5)
	Fixed Plus Account II
	Fixed Plus Account II Minimum Guaranteed Interest Rate (see 4.01)
	(a)	We will add interest daily to amounts held in the Fixed Plus Account II at a guaranteed annual rate of
		no less than 1.00%.
	(b)	For each calendar year, we will also set a one-year minimum guaranteed interest rate which will
		apply to all amounts held in the Fixed Plus Account II during that calendar year. This one-year
		minimum guaranteed interest rate will never be less than the annual rate described above. It will be
		established prior to each calendar year and will be made available to the Contract Holder or
		Participants, as applicable, in advance of the calendar year.
	(c)	The Company at its discretion, may credit interest during the calendar year at a rate greater than
		those rates established pursuant to paragraphs (a) and (b) above. We will make available to the
		Contract Holder or Participants, as applicable, the rate currently being credited to amounts held in
		the Fixed Plus Account II.
	Fixed Plus Account II Annual Transfer and Partial Withdrawal Limit (see 4.02)
	20		%
	Waiver of Fixed Plus Account II Transfer Limit (see 4.02)
$	5,000
	Waiver of Fixed Plus Account II Partial Withdrawal Provision (see 4.03)
	When a partial Withdrawal is requested by a Participant, the partial Withdrawal limit does not apply when the
	Withdrawal is:
	(a)	Due to a Participant's death during the Accumulation Phase and is made within six months of the
		date of death (this exception applies to only one partial Withdrawal);
	(b)	Used to purchase Annuity payments on a life-contingent basis or payments for a stated period on a
		fixed-only basis.
	(c)	Due to other conditions as we may allow without discrimination, including:
		(1) Due to a Participant's separation from service, (provided, however, that such waiver shall not
		apply due to a Participant's severance from employment that would not otherwise qualify as a
		separation from service), and when:
		(i)		Separation from service is documented in a form acceptable to us;
		(ii)		The amount is paid directly to the Participant or as a direct rollover to another Code
				Section 403(b), 401 or governmental 457(b) plan or an Individual Retirement Account or
				Individual Retirement Annuity designated by the Participant; and
		(iii)		The amount paid for all Withdrawals due to separation from service during the previous
				12 months does not exceed 20% of the average value of all Individual Accounts under
				the Contract during that period; or
G	-CDA(FL)-10			S I - 3

	(2	)	Due to a Participant's financial hardship as defined in the Code, and when:
			(i)	If applicable, certified by the employer;
			(ii)	The amount is paid directly to the Participant; and
			(iii)	The amount paid for all Withdrawals due to financial hardship during the previous 12
				months does not exceed 20% of the average value of all Individual Accounts under the
				Contract during that period.
Waiver of Fixed Plus Account II Full Withdrawal Provision (see 4.05)
When a full Withdrawal is requested, payment from the Fixed Plus Account II is not limited as described in
4.04 when the Withdrawal is made:
(a)	When the amount in the Fixed Plus Account II is $5,000 or less (or, if applicable, as otherwise
	allowed by the Plan for a lump-sum cash-out without Participant consent) and during the previous 12
	months no amounts have been withdrawn, transferred, taken as a loan (if allowed under the
	Contract), or used to purchase Annuity payments;
(b)	Due to a Participant's death before Annuity payments begin and paid within six months of the
	Participant's death;
(c)	As provided in Section 6.09;
(d)	To purchase Annuity payments on a life-contingent basis or payments for a stated period on a
	fixed-only basis.
(e)	Due to a Participant's separation from service (provided, however, that such waiver shall not apply
	due to a Participant's severance from employment that would not otherwise qualify as a separation
	from service), and when:
	(1	)	Separation from service is documented in a form acceptable to us;
	(2	)	The amount is paid directly to the Participant or as a direct rollover to another Code Section
			403(b), 401 or governmental 457(b) plan or an Individual Retirement Account or Individual
			Retirement Annuity designated by the Participant; and
	(3	)	The amount paid for all Withdrawals due to separation from service during the previous 12
			months does not exceed 20% of the average value of all Individual Accounts under the
			Contract during that period; or
(f)
	Due to a Participant's financial hardship as defined in the Code, and when:
	(1	)	If applicable, certified by the employer;
	(2	)	The amount is paid directly to the Participant; and
	(3	)	The amount paid for all Withdrawals due to financial hardship during the previous 12 months
			does not exceed 20% of the average value of all Individual Accounts under the Contract
			during that period.
Guaranteed Accumulation Account (GAA) Market Value Adjustment (MVA) Formula (see 5.08)
Not Applicable
G-CDA(FL)-10				S I - 4

Withdrawal Restrictions Under the Code (see 6.03)
(a)	In General. Distributions from this Contract shall be made only in accordance with the requirements
	of Code Section 403(b), the Treasury Regulations, and the Plan. The Company has no responsibility
	to make any distribution (including distributions due to loans, Annuity payments, qualified domestic
	relations orders, hardship withdrawals and systematic distributions options) from this Contract until it
	has received instructions or information from the Contract Holder and/or its designee in a form
	acceptable to the Company and necessary for the Company to administer this Contract in
	accordance with Code Section 403(b) the Treasury Regulations, and the Plan.
(b)	Restricted Elective Deferrals. Restricted Elective Deferrals means elective deferral contributions
	made pursuant to a salary reduction agreement and the earnings on such contributions. However, if
	separately accounted for by the Company, Restricted Elective Deferrals do not include amounts held
	under a Section 403(b)(1) annuity contract as of December 31, 1988 provided such amounts were
	never transferred or exchanged into a Section 403(b)(7) custodial account. Unless otherwise
	indicated, Restricted Elective Deferrals include employee designated Xxxx contributions within the
	meaning of Code Section 402A(c)(1). Withdrawals and other distributions attributable to Restricted
	Elective Deferrals shall not be paid from this Contract unless The Participant has (1) reached age 59
	1/2, (2) had a severance from employment, (3) died, (4) become disabled (within the meaning of
	Code Section 72(m)(7)), or (5) incurred a hardship (in which case such amounts shall be limited to
	actual salary deferral contributions, excluding earnings thereon).
(c)	Employer Xxxxxxx Xxxxxxx. Employer Annuity Amounts means amounts attributable to
	contributions made to an annuity contract under Code Section 403(b)(1) (including earnings thereon)
	that are not elective deferrals. Employer Annuity Amounts do not include after-tax employee
	contributions or earnings thereon. Withdrawals and other distributions attributable to Employer Annuity
	Amounts shall not be paid from this Contract earlier than the Participant's severance from
	employment or upon the prior occurrence of some event, such as after a fixed number of years, the
	attainment of a stated age, or disability, as provided in the Plan.
(d)	Employer Custodial Amounts. Employer Custodial Amounts means amounts attributable to
	contributions made to a custodial account under Code Section 403(b)(7) (including earnings thereon)
	that are not elective deferrals, and which are contributed to this Contract pursuant to an intra-plan
	exchange or plan-to-plan transfer described under Control of Contract above. Withdrawals and other
	distributions attributable to Employer Custodial Amounts that are transferred or exchanged into this
	Contract shall not be paid from this Contract unless The Participant has (1) reached age 59 1/2, (2)
	had a severance from employment, (3) died, (4) become disabled (within the meaning of Code
	Section 72(m)(7)), or (5) incurred a hardship (in which case the portion of the Employer Custodial
	Amounts available for hardship shall be limited to the Employer Custodial Amount balance held as of
	December 31, 1988.)
(e)	Separate Accounting. If this Contract includes both Restricted Elective Deferrals and other
	Contributions and the Restricted Elective Deferrals are not separately accounted for by the Company,
	distributions may not be made earlier than the later of (1) any date permitted under paragraph b, and
	(2) any date permitted under paragraph c or paragraph d, whichever is applicable, with respect to
	Contributions that are not Restricted Elective Deferrals.
(f)	Exchanges and Transfers. With respect to amounts exchanged or transferred to this Contract as
	described in the Control of Contract provision, this Contract imposes distribution restrictions that are
	not less stringent than those imposed under the contract being exchanged or under the transfer or
	plan, whichever is applicable, in accordance with Section 1.403(b)-10(b)(2) of the Treasury
	Regulations.
(g)	Exceptions
	(1) Notwithstanding any other provision in this section, Withdrawals and other distributions are
	permitted to be paid from this Contract to the extent (a) allowed by applicable law, (b) described
	under Contribution Limits, (c) required by a qualified domestic relations order within the meaning
	of Section 414(p), or (d) the Withdrawal is a qualified reservist distribution described in Code
	Section 72(t)(2)(G).
G-CDA(FL)-10	S I - 5

	(2	)	If the Contract Holder informs the Company that the Plan has been terminated in accordance
			with Section 1.403(b)-10(a) of the Treasury Regulations, the Company shall distribute this
			Contract or the accumulated benefits thereunder in accordance with the requirements of Code
			Section 403(b) and the Treasury Regulations.
	(3	)	The Withdrawal restrictions described in this section do not apply to amounts attributable to
			Contributions that are eligible rollover distributions as described in Section 1.403(b)-10(d) of the
			Treasury Regulations and that have been separately accounted for by the Company.
(h)	Withdrawals from Designated Xxxx Accounts - Exclusion from Income. A partial or full
	Withdrawal from a designated Xxxx account will be excluded from income if it is a qualified
	distribution which means:
	(1	)	the Withdrawal occurs after the 5-taxable year period measured from the earlier of:
			(i)	the first taxable year the Participant made a designated Xxxx Contribution to any
				designated Xxxx account established for the Participant under the same applicable
				retirement plan as defined in Code Section 402A, or
			(ii)	if a rollover Contribution was made from a designated Xxxx account previously established
				for the Participant under another applicable retirement plan, the first taxable year for which
				the Participant made a designated Xxxx Contribution to such previously established
				account; and
	(2	)	the Withdrawal occurs due to a death benefit distribution to a beneficiary, disability as defined
			by the Code, or after attainment of age 59 1/2.
Withdrawal Charge (see 6.04)
A withdrawal charge does not apply.
Waiver of Withdrawal Charge (see 6.05)
Waivers are not applicable; a withdrawal charge does not apply.
Required Distributions (see 6.07)
Distributions from this Contract must be made in accordance with the required minimum distribution rules of
Code Sections 403(b)(10) and 401(a)(9) and may be taken in the form of an Annuity option or other method
permitted by the Contract and the Plan. Distributions from and benefits under this Contract also must satisfy
the requirements relating to incidental benefits under Section 1.401-1(b)(1)(ii) of the Treasury Regulations.
All such rules are incorporated herein by reference.
Loans (see 7.01)
Loans are available under this Contract, subject to the terms of the Plan.
Contract Beneficiary (see 8.02)
The Contract Holder is the Contract beneficiary. A Participant may designate a beneficiary under the Plan
(Plan beneficiary).
G-CDA(FL)-10				S I - 6

Contract Schedule II
Annuity Phase
Payment Period (see 9.02)
When the Contract Holder, a Participant, or a Contract or Plan beneficiary, as applicable, elects an Annuity
payment option under Section 9.02 pursuant to which we guarantee Annuity payments for a fixed period of
years, the period of years for which we will make guaranteed Annuity payments must be within the range of
at least five years and no more than 30 years.
Mortality Table (see 9.03)
Society of Actuaries' Annuity 2000 Table
Maximum Number of Funds (see 9.05)
The maximum number of Funds is four.
Fixed Annuity Minimum Guaranteed Interest Rate (see 9.06)
The guaranteed annual interest rate for a fixed annuity will never be less than 1% (annual basis)
Number of Annual Transfers Among Funds (see 9.08)
Each calendar year, we allow five Transfers among Funds.
Daily Charges to the Separate Account (see 9.13)
Charges to the Separate Account will never be more than the following:
Mortality and Expense Risk Charge: 1.25% (annual basis)
Administrative Charge: 0.25% (annual basis)
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Definitions
Accumulation Phase
The time between an Individual Account Effective Date and the date on which the entire Individual Account value is
used to purchase Annuity payments, or otherwise distributed.
Annuitant
The person whose life expectancy determines the amount and/or duration of the payments under a life-contingent
Annuity option.
Annuity
Payment of an income:
(a)	For a stated period;
(b)	For the life of one or two people; or
(c)	Some combination of (a) and (b).
A fixed Annuity is one in which the payment amount does not vary. A variable Annuity is one in which the payment
amount may vary based on the net investment results of the Funds.
Annuity Phase
The time during which we make Annuity payments.
Business Day
Each day our Home Office is open for business.
Code
The Internal Revenue Code of 1986, as it is amended from time to time.
Contract
This agreement between the Company and the Contract Holder.
Contract Holder
The entity, or person, named in the specifications section on the face page, to which the Contract is issued.
Contribution(s)
The payment(s) made to us during the Accumulation Phase. The Contribution(s) may be reduced by any applicable
Premium Tax due.
Effective Date
The date, shown in the specifications section on the face page, as of which we issue the Contract or establish an
Individual Account.
Fixed Interest Options
Investment options that credit interest. The Fixed Interest Options, if any, available during the Accumulation Phase are
shown on Contract Schedule I under Fixed Interest Options Available.
Fixed Plus Account II
A Fixed Interest Option. The Fixed Plus Account II is an obligation of our General Account. If the Fixed Plus Account II is
not selected as an Investment Option under the Contract as of the Contract Effective Date, the Fixed Plus Account II
may not be added after issue without the agreement of the Company.
Fund
A variable Investment Option available under this Contract. The Funds are open-end registered investment management
companies (mutual funds) in which the Separate Account invests.
General Account
The account that holds our assets other than those held in the Separate Account or Nonunitized Separate Account.
Guaranteed Accumulation Account (GAA)
A Fixed Interest Option that may be available during the Accumulation Phase. Under this option, we guarantee specified
rates of interest for specified periods of time. Amounts allocated to the Guaranteed Accumulation Account are held in
the Nonunitized Separate Account.
G-CDA(FL)-10		1

Good Order
Instructions that are complete and clear enough to allow us to act without exercising discretion.
Home Office
Our main office located at Xxx Xxxxxx Xxx, Xxxxxxx, Xxxxxxxxxxx 00000-0000.
Individual Account
An account, or accounts (including, if applicable, accounts for employer Contributions, employee pre-tax Contributions
and employee designated Xxxx Contributions, if allowed under the Plan) established for each Participant to maintain a
record of transactions and the value of Contributions as invested.
Voya Retirement Insurance and Annuity Company (VRIAC)
Voya Retirement Insurance and Annuity Company ("we," and "our," and "us," and "the Company" refer to VRIAC).
Investment Options
The Funds and Fixed Interest Options available under this Contract.
Maturity Date
The last day of a GAA guaranteed term.
Nonunitized Separate Account
A separate account that holds assets allocated to the Guaranteed Accumulation Account.
Participant
A person who is covered under the retirement Plan or program for which this Contract is issued and who has an interest
in this Contract.
Plan
The retirement plan or program for which this Contract is issued.
Premium Tax
Any tax assessed by any governmental entity on Contributions or amounts used to purchase Annuity payments.
Separate Account
An account that buys and holds shares of the Funds through its subaccounts. The account name appears on Contract
Schedule I.
Transfer
The movement of funds between Investment Options offered under the Contract.
Valuation Date
The date and time at which accumulation unit values and Annuity unit values are calculated. Currently, this calculation is
made after the close of business of the New York Stock Exchange on any normal business day, Monday through
Friday, that the New York Stock Exchange is open.
Withdrawal
The movement of funds from the Fixed Plus Account II or any Investment Option offered under the Contract that is not
a Transfer, including the movement of funds to investment options offered by an investment provider other than the
Company or a company affiliated with the Company.
G-CDA(FL)-10	2

	Section 1. General Contract Provisions
	1.01	Entire Contract
		The entire Contract consists of this document, any attachments, the application and any endorsements
		incorporated.
		The Plan, if applicable, is not part of the Contract and the Company is not bound by its terms.
	1.02	Nonparticipating Contract
		This Contract is nonparticipating. The Contract Holder, a Participant or a Contract beneficiary has no right to
		share in our earnings.
	1.03	Control of Contract
		Control of the Contract is as shown on Contract Schedule I under Control of Contract.
	1.04	Certificate
		Any certificate provided to a Participant summarizes Contract provisions; it is for information only and is not
		part of the Contract. We will provide certificates as required by state law in the state where the Contract is
		delivered and as allowed under the Plan.
	1.05	Incontestability
		We will not cancel this Contract because of any error of fact.
	1.06	Grace Period
		Except as provided in 6.09, this Contract and all Individual Accounts will remain in effect even if
		Contributions are not continued.
	1.07	Change of Contract
		Only a Company officer at the level of Vice President or higher, or an officer with written delegation of
		authority from a Vice President or higher officer, may change the terms of this Contract. No other Company
		officer, employee, agent or representative can change this Contract.
		Except as noted below, this Contract may be changed at any time by written mutual agreement between the
		Contract Holder and the Company. For changes we initiate requiring Contract Holder consent, we notify the
		Contract Holder 60 calendar days in advance of the change and consider that the Contract Holder has
		agreed to the change unless we receive written notice that the Contract Xxxxxx does not agree to the
		change at least 30 calendar days before the date the change becomes effective.
		If we propose a change requiring Contract Holder consent and the Contract Holder does not agree to the
		change, we have the right to not establish new Individual Accounts and to stop accepting Contributions to
		existing Individual Accounts.
		We will not change, unilaterally or pursuant to mutual agreement, the provisions of Section 4.01 (Fixed Plus
		Account II Minimum Guaranteed Interest Rate) or the Fixed Plus Account II Minimum Guaranteed Interest
		Rate provisions in Contract Schedule I.
		We have the right to change the following without Contract Holder consent:
		(a)	Net Investment Factor (see 3.06)
			We may change the net investment factor by notifying the Contract Holder in writing at least 30
			calendar days before the change becomes effective. If we do this, (other than a change to the net
			investment factor in accordance with Section 1.18), the change will apply only to Individual Accounts
			established, and Contributions received, after the date the change becomes effective.
G	-CDA(FL)-10		3

		(b)	Guaranteed Accumulation Account (GAA) market value adjustment (see 5.09)
			We may change the GAA market value adjustment by notifying the Contract Holder in writing at least
			90 calendar days before the change becomes effective. If we do this, the change will apply only to
			guaranteed terms offered in deposit periods after the date the change becomes effective.
		(c)	Systematic Distribution Options (see 6.08)
			We may change systematic distribution options by notifying the Contract Holder in writing at least 30
			calendar days before the change becomes effective. If we do this, the change will not apply to
			Participants or beneficiaries receiving payments under an option before the date the change
			becomes effective.
		(d)	Annuity Options (see 9.02) and the mortality table (see 9.03)
			The company may change or eliminate Annuity options, the attached Annuity options tables and the
			mortality table we use to calculate payment rates for life-contingent Annuity payments. If we do this,
			the change will be effective no earlier than 12 months after the Effective Date of the Contract and no
			earlier than 12 months after the date on which any such prior change was effective. Any change will
			not apply to Individual Accounts under the Contract established before the effective date of the
			change, but will apply to new Individual Accounts covered on or after the date any change is
			effective. Any change will not affect the amount or terms of any Annuity beginning before the change
			is effective.
		In addition, we may change this Contract as required to comply with state and federal law without Contract
		Holder consent by notifying the Contract Holder before the date the change becomes effective.
		Any unilateral change, other than changes required to comply with state or federal law, will not apply to
		Individual Accounts established before the date the change becomes effective, but will apply to Individual
		Accounts established on or after the date the change becomes effective. If we make a unilateral change,
		the Contract Holder or Participants, as applicable, are permitted to terminate participation in the Contract
		before the date the change becomes effective under the terms of the Contract in effect prior to the date the
		change becomes effective.
		As required by law, we will make any change of Contract by endorsement, which may be subject to
		regulatory approval in the state where the Contract is delivered.
	1.08	Payments
		We make payments as directed by the Contract Holder or a Participant, as applicable. Payment requests
		must be in writing or as we otherwise allow in our administrative practice. We determine the amount of any
		payment based on the Individual Account value as of the next Valuation Date following our receipt of a
		payment request in Good Order at our Home Office. Generally, we make payments within seven calendar
		days.
	1.09	Deferral of Payment
		By law, we have the right to defer payment of Withdrawals for up to six (6) months from the date we receive
		the request after making written request and receiving written approval of the Insurance Commissioner. The
		request shall address the necessity and equitability to all Contract Owners of the deferral.
	1.10	Proof of Age
		If a life-contingent Annuity option is elected, we may require proof of the age of an Annuitant.
	1.11	Evidence of Survival
		We may require proof that any Annuitant under a life-contingent Annuity option is living.
	1.12	Misstatements and Adjustments
		If we learn that the age of any Annuitant or second Annuitant is misstated, we will use the correct age to
		adjust payments. We reserve the right to obtain reimbursement, or to adjust future payments for any
		amount we overpaid. We will pay the amount of any underpayment.
G	-CDA(FL)-10		4

	1.13	Reports
		Each calendar year we provide the Contract Holder or a Participant, as applicable, with a report of the
		Individual Account value. We also provide an annual report for the Separate Account.
	1.14	State Laws
		This Contract complies with the laws of the state in which it is delivered. Any cash, death or Xxxxxxx
		payments are equal to or greater than the minimum required. To determine legal reserve valuation, we use
		Annuity tables as required by law; such tables may be different from those we use to determine Annuity
		payments.
	1.15	Claims of Creditors
Individual Accounts are subject to the claims of creditors of the Contract Holder, a Participant or a
		beneficiary as shown on Contract Schedule I under Claims of Creditors.
	1.16	Maintenance Fee
		We may deduct an annual maintenance fee during the Accumulation Phase.
		The amount of the maintenance fee, if any, for this Contract will never be more than the amount shown on
		Contract Schedule I under Maintenance Fee.
		The fee, if any, is deducted proportionately from each Investment Option under the Contract in which an
		Individual Account is invested at the time the fee is deducted.
	1.17	Charges for Additional Services
		We, or our authorized representatives, may provide administrative services to the Plan under a separate
		administrative services agreement with the Contract Holder. We may charge for the services described in
		the separate agreement, and the costs of such services may be periodically deducted directly from
		Individual Accounts (see 2.05). The amount of such fees, and the frequency at which they may be paid
		from Individual Accounts, will be specified in the separate agreement between us and the Contract Holder,
		and will be approved by the Contract Holder.
	1.18	Charges Subject to Change
		The charges to the Separate Account during the Accumulation Phase (see 3.07) may vary (increase,
		decrease, or be eliminated) based on the total assets held in all Individual Accounts under the Contract. In
		determining total assets, we may aggregate Individual Accounts established under different Company
		Contracts. The aggregate amount is equal to the sum of assets in all Individual Accounts under this
		Contract, plus the value of Individual Accounts under other Company Contracts of the same class issued to
		the Contract Holder. We may determine the amount of the charges to the Separate Account based on total
		assets on an annual basis. We will determine initial charges based on our estimate of the amount that will
be allocated to the Contract during a period mutually agreed upon by the Contract Xxxxxx and us.
	1.19	Deduction of Plan Fees
		Upon written direction from a Contract Holder sponsoring a Plan, and upon confirmation from the Contract
		Holder that such deduction is permitted under the terms of its Plan, the Company will deduct from account
		values of Participants under the Contract Holder's Plan the amounts specified by the Contract Holder to pay
		costs associated with the administration of the Plan in accordance with its terms, the Code and the
		Treasury Regulations. The Company will deduct such amounts at the frequency specified by the Contract
		Holder, provided such frequency is agreed to by the Company. The Company will not retain any such
		amounts deducted but will pay them as directed by the Contract Xxxxxx.
		If a Contract Holder does not direct such deductions, the Company may in its discretion elect to pay all or
		part of the administration expenses of the Contract Holder's Plan in accordance with Section 1.20 (Plan
		Administration Subsidy).
G	-CDA(FL)-10		5

	1.20	Plan Administration Subsidy
		The Company and/or its affiliates may provide Plan administration services to the Contract Holder. Such
		services may be offered at no or reduced cost. Also, the Company may subsidize all or a portion of the
		Contract Holder's Plan administration expenses by paying certain costs associated with the Contract
		Xxxxxx's Plan administration personnel and/or certain costs associated with a third party administrator
		engaged by the Contract Holder to administer the Plan in accordance with its terms, the Code and the
		Treasury Regulations. The Company shall have no obligation to agree to Plan administration subsidy
		requests, and unless otherwise agreed to in advance by the Company and the Contract Holder, the
		Company may limit or terminate the subsidy with respect to a Contract Xxxxxx's Plan at the Company's sole
		discretion. Plan administration subsidies will be paid only to the extent requested by the Contract Holder and
		agreed to by the Company in writing. The Company will determine the availability of a Plan administration
		subsidy on a basis that is not unfairly discriminatory.
	1.21	Recodification
		In the event of any recodification of the Code Section references contained herein, the Contract shall be
		construed to refer to the original Code Sections as recodified.
	1.22	Termination
		Termination of the Contract will be in accordance with the terms of the Contract. No additional fees or
		charges not mentioned in the Contract will apply to the Individual Account value at termination.
Part I. Accumulation Phase
	Section 2. Contributions and Individual Account Value
	2.01	Contributions
		We allocate Contributions in whole percentages among the available Investment Options under the Contract
		as directed by the Contract Holder or a Participant, as applicable. Changes in future Contribution allocation
		may be made at any time without charge. The Contract Holder or a Participant, as applicable, may also
		establish an Individual Account with one lump sum Contribution.
		We reserve the right to establish minimum Contribution amounts and to refuse to accept any Contribution.
		Contributions to Individual Accounts may be limited as provided in the Code. The limits, if any, are shown
		on Contract Schedule I under Contribution Limits.
	2.02	Premium Tax
		We pay any applicable Premium Tax when it is due. We will deduct the amount of any applicable Premium
		Tax from the Individual Account value no earlier than when there is a tax liability. We reserve the right to
		deduct any Premium Tax due before a Contribution is allocated to an Individual Account.
	2.03	Individual Account
		We will establish an Individual Account for each Participant.
		If required, we will provide accounts that distinguish between employer Contributions, employee pre-tax
		Contributions and employee designated Xxxx Contributions for each Participant.
	2.04	Experience Credit
		We may apply experience credits (investment, administrative, mortality or other) under this Contract and
		may apply such credits as:
		(a)	A reduction in the maintenance fee;
		(b)	A reduction in the mortality and expense risk charge to the Separate Account;
		(c)	A reduction in the administrative charge to the Separate Account; and
G	-CDA(FL)-10		6

		(d)	An increase in a Fixed Interest Option interest rate.
		We will apply experience credits at our sole discretion as we deem appropriate for the class of contracts to
		which the Contract is issued.
	2.05	Individual Account Value
		As of the most recent Valuation Date, the Individual Account value is equal to the total of all Contributions:
		(a)	Plus any interest added on the amount, if any, allocated to a Fixed Interest Option(s);
		(b)	Plus or minus the investment experience on the amount, if any, held in the Separate Account;
		(c)	Minus any applicable maintenance fees, any amounts withdrawn, or used to purchase Annuity
			payments, or any applicable Premium Tax; and
		(d)	Minus any applicable fees or charges deducted.
	2.06	Rollovers
		Rollovers of amounts from other retirement plans or arrangements are accepted as provided for on Contract
		Schedule I under Rollovers.
	Section 3. Separate Account
	3.01	General
		The Separate Account, established under Title 38a, Section 38a-433 of the Connecticut General Statutes,
		buys and holds shares of the Funds available under the Contract. The Separate Account is registered as a
		unit investment trust under the Investment Company Act of 1940.
		We own the assets held in the Separate Account; we are not a trustee of those assets. Income, gains or
		losses, realized or unrealized, are credited to or charged against the Separate Account without regard to our
		other income, gains or losses. Separate Account assets, to the extent of reserves and other Contract
		liabilities, cannot be charged with liabilities arising out of any other business we conduct.
	3.02	Funds Available
		We reserve the right to limit the number of Funds in which an Individual Account may be invested, at one
		time or cumulatively, during the Accumulation Phase and/or Annuity Phase.
	3.03	Change or Substitution of Funds
		We reserve the right to stop offering any Fund or to add Funds. We may substitute shares of a Fund for
		shares of another Fund. We will provide the Contract Holder with reasonable advance notice of any
		elimination, addition or substitution of a Fund. If the Plan is subject to ERISA, we will seek Contract Holder
		consent in advance of any Fund substitution. Consent will be deemed given unless, following notice of
		substitution and within a prescribed time period, the Contract Holder notifies us in writing that it does not
		consent and provides us with alternative investment instructions for the shares that would otherwise be
		affected by the substitution.
	3.04	Accumulation Units
		Each Contribution allocated to one or more of the Funds is credited to an Individual Account as
		accumulation units. The number of accumulation units is calculated by dividing the amount of the
		Contribution allocated to the Fund by the accumulation unit value (see 3.05) as of the next Valuation Date
		following our receipt of the Contribution in Good Order at our Home Office.
	3.05	Accumulation Unit Value
		The value of each accumulation unit for any Fund for each Valuation Date is computed by multiplying the
		net investment factor (see 3.06) by the accumulation unit value for the prior Valuation Date.
		Accumulation unit values may increase or decrease from Valuation Date to Valuation Date.
G	-CDA(FL)-10		7

	3.06	Net Investment Factor
		The net investment factor is used to compute the accumulation unit value for any Fund.
		For each Valuation Date, for each Fund, the net investment factor is equal to 1.0000000, plus the net return
		rate.
		The net return rate equals:
			[a - b - c]
			------------- - e
			d
		Where:
		a is	the value of the shares of the Fund held by the Separate Account on the current Valuation Date;
		b is	the value of the shares of the Fund held by the Separate Account on the prior Valuation Date;
		c is	taxes or provisions for taxes, if any, on the Separate Account (with any federal income tax liability
			offset by foreign tax credits to the extent allowed);
		d is	the total value of the accumulation units and Annuity units of the Separate Account on the prior
			Valuation Date; and
		e is	Separate Account daily charges for mortality and expense risk and a daily administrative charge as
			shown on Contract Schedule I under Daily Charges to the Separate Account.
		The net return rate may be greater or less than zero percent.
	3.07	Charges to the Separate Account
		During the Accumulation Phase, we may deduct a mortality and expense risk charge from the Individual
		Account value invested in the Separate Account. In addition, we reserve the right to impose an
		administrative charge.
		The charges to the Separate Account are shown on Contract Schedule I under Daily Charges to the
		Separate Account and are deducted daily.
	3.08	Fund Transfers
		During the Accumulation Phase, any portion or all of the Individual Account value held in a Fund may be
		transferred to any other Fund or any available Fixed Interest Option. The Individual Account value will be
		based on the Fund's accumulation unit value next determined after we receive a Transfer request in Good
		Order.
	3.09	Withdrawals from the Separate Account
		If the Contract Holder or a Participant, as applicable, requests a partial or full Withdrawal (see 6.02) from the
		Funds, a Withdrawal Charge may apply (see 6.04).
	Section 4. Fixed Plus Account II
	The following provisions apply if the Fixed Plus Account II is available as shown on Contract Schedule I under Fixed
	Interest Options Available.
	4.01	Fixed Plus Account II Minimum Guaranteed Interest Rate
		We will credit interest to the Fixed Plus Account II at annual effective yields that are at least equal to the
		Fixed Plus Account II Minimum Guaranteed Interest Rates shown on Contract Schedule I.
	4.02	Transfers from the Fixed Plus Account II
		During each rolling 12-month period, the percentage shown on Contract Schedule I under Fixed Plus
		Account II Annual Transfer and Partial Withdrawal Limit may be transferred from the Fixed Plus Account II to
		another Investment Option offered under the Contract.
G	-CDA(FL)-10		8

		The amount available for Transfer is based on the Individual Account value in the Fixed Plus Account II on
		the Business Day we receive the Transfer request in Good Order at our Home Office, reduced by any
		amount withdrawn, transferred, taken as a loan (if allowed under the Contract), or used to purchase Annuity
		payments during the 12 months prior to the Transfer request. In addition, we reserve the right to reduce the
		amount available for Transfer by amounts withdrawn under a systematic distribution option and the right to
		establish a minimum transfer amount.
		Twenty percent of the amount in the Fixed Plus Account II may be transferred in each of four consecutive
		12 months and the balance transferred in the fifth year subject to the following conditions:
		(a)	During the five-year period, no additional amounts are allocated to or transferred from the Fixed Plus
			Account II;
		(b)	We will include any amount transferred, taken as a loan (if allowed under the Contract) or used to
			purchase Annuity payments during the prior 12-month period when calculating the amount which equals
			20%; and
		(c)	We reserve the right to include amounts paid under a systematic distribution option when calculating the
			amount which equals 20%.
		The Transfer limit referenced above does not apply when:
			The amount in the Fixed Plus Account II is less than or equal to the amount shown on Contract
			Schedule I under Waiver of Fixed Plus Account II Transfer Limit.
		The Contract Holder or a Participant, as applicable, may request a Transfer by properly completing a
Transfer request form and forwarding it to our Home Office, or by otherwise complying with our
		administrative procedures.
	4.03	Partial Withdrawals from the Fixed Plus Account II
		During each rolling 12-month period, the percentage shown on Contract Schedule I under Fixed Plus
		Account II Annual Transfer and Partial Withdrawal Limit may be withdrawn by a Participant from the Fixed
		Plus Account II.
		The amount available for Withdrawal is based on the Individual Account value in the Fixed Plus Account II
		on the Business Day we receive the Withdrawal request in Good Order at our Home Office, reduced by any
		amount withdrawn, transferred, taken as a loan (if allowed under the Contract), or used to purchase Annuity
		payments during the 12 months prior to the request. We also reserve the right to reduce the amount
		available by deducting any amount withdrawn under an SDO (see 6.08).
		The partial Withdrawal limit previously referenced does not apply when the Withdrawal is as noted on
		Contract Schedule I under Waiver of Fixed Plus Account II Partial Withdrawal Provision.
	4.04	Full Withdrawal of the Total Amount in the Fixed Plus Account II
		The Contract Holder or a Participant, as applicable, may make a full Withdrawal from the Fixed Plus
		Account II as follows:
		(a)	The Contract Holder may withdraw the sum of the value of all Individual Accounts under the Contract
			provided the Contract Holder controls the Contract (see Contract Schedule I under Control of
			Contract); and
		(b)	A Participant or the Contract Holder, as applicable, may withdraw the entire value of the Individual
			Account(s) established for that Participant under the terms of this provision.
		Once we receive a full Withdrawal request in Good Order at our Home Office, no additional Transfers,
		partial Withdrawals, or loans (if allowed under the Contract) are allowed.
G	-CDA(FL)-10		9

		For a full Withdrawal to a Contract Holder or to a Participant, we will pay the applicable amount, with interest
		determined in a manner consistent with 4.01, in five payments as follows, unless, for Withdrawals requested by
		a Participant, the waiver described in 4.05 applies:
		(1	)	One-fifth of the following amount: The Individual Account value, or the value of the sum of all
				Individual Accounts, as applicable, in the Fixed Plus Account II as of the Business Day we receive the
				Withdrawal request in Good Order at our Home Office reduced by the amount, if any, transferred,
				taken as a loan (if allowed under the Contract) or withdrawn either by the Contract Holder or
				Participant, or used to purchase Annuity payments during the prior 12 months. We also reserve the
				right to reduce the amount available by deducting any amount withdrawn under an SDO (see 6.08);
				then
		(2	)	One-fourth of the remaining amount 12 months later reduced by the amount, if any, transferred, taken
				as a loan (if allowed under the Contract), or withdrawn either by the Contract Holder or Participant, or
				used to purchase Annuity payments during the prior 12 months; then
		(3	)	One-third of the remaining amount 12 months later reduced by the amount, if any, transferred, taken
				as a loan (if allowed under the Contract), or withdrawn either by the Contract Holder or Participant, or
				used to purchase Annuity payments during the prior 12 months; then
		(4	)	One-half of the remaining amount 12 months later reduced by the amount, if any, transferred, taken
				as a loan (if allowed under the Contract), or withdrawn either by the Contract Holder or Participant, or
				used to purchase Annuity payments during the prior 12 months; then
		(5	)	The balance of the Individual Account value, or the balance of the value of the sum of all Individual
				Accounts, as applicable in the Fixed Plus Account II, 12 months later.
		No Withdrawal Charge applies to amounts withdrawn from the Fixed Plus Account II.
		The Contract Holder or Participant, as applicable, may cancel a full Withdrawal request from the Fixed Plus
		Account II at any time.
	4.05	Waiver of Fixed Plus Account II Full Withdrawal Provision
		When a full Withdrawal is requested by a Participant, payment from the Fixed Plus Account II is not limited as
		described in 4.04 when the Withdrawal is as noted on Contract Schedule I under Waiver of Fixed Plus Account
		II Full Withdrawal Provision.
	Section 5. Guaranteed Accumulation Account (GAA)
	The following provisions apply if the Guaranteed Accumulation Account is available as shown on Contract Schedule I under
	Fixed Interest Options Available.
	5.01	Nonunitized Separate Account
		The Nonunitized Separate Account is established under Title 38a, Section 38a-433 of the Connecticut General
		Statutes. There are no discrete units for this account. We own the assets held in the Nonunitized Separate
		Account; we are not a trustee of those assets. The Contract Holder or Participant does not participate in the
		investment gain or loss from assets held in the Nonunitized Separate Account. We assume any such gain or
		loss. Xxxxxx, gains or losses, realized or unrealized, are credited to or charged against the Nonunitized
		Separate Account without regard to our other income, gains or losses. Nonunitized Separate Account assets,
		to the extent of reserves and other Contract liabilities, cannot be charged with liabilities arising out of any other
		business we conduct.
	5.02	GAA Minimum Guaranteed Interest Rate
		We will declare all interest rate(s) applicable to a specific term prior to the start of the deposit period. The
		rate(s) are guaranteed by us for that deposit period and the ensuing term and are not based on the actual
		investment experience of the underlying assets in GAA. The guaranteed rates are annual effective yields. The
		interest is credited at a rate that will produce the guaranteed annual effective yield over the period of a year.
		The rate credited will never be less than 0.25%.
G	-CDA(FL)-10			10

		For guaranteed terms of one year or less, one guaranteed rate is credited for the full guaranteed term. For
		longer guaranteed terms, we may credit an initial guaranteed interest rate from the date of deposit to the
		end of a specified period within the guaranteed term. We may credit different interest rates for subsequent
		specified periods throughout the guaranteed term.
	5.03	Deposit Period
		A deposit period is the period of time we determine during which we accept allocations (Contributions,
		Transfers, or reinvestments) to one or more guaranteed terms. We reserve the right to extend the deposit
		period.
	5.04	Guaranteed Term
		A guaranteed term is the period of time for which we guarantee the declared interest rate for allocations
		(Contributions, Transfers, or reinvestments) to GAA guaranteed terms. We may offer guaranteed terms
		ranging in duration from one to ten years. During each deposit period, we may offer more than one
		guaranteed term of varying lengths. The guaranteed term begins the day after the deposit period ends. The
		Contract Holder or a Participant, as applicable, may allocate Contributions or Transfers to any or all
		guaranteed terms available in the current deposit period.
	5.05	Guaranteed Term Groups
		A guaranteed term group is comprised of all GAA guaranteed terms of the same duration.
	5.06	Maturity Date, Maturity Value and Reinvestment
		The Maturity Date is the last day of a guaranteed term. The maturity value is the amount we pay at the end
		of a guaranteed term. At least 18 calendar days before any guaranteed term Maturity Date, we notify the
		Contract Holder or a Participant, as applicable, of the projected maturity value and the guaranteed terms
		(and the guaranteed interest rates for each) available during the then-current deposit period. The Contract
		Holder, or a Participant, as applicable, may then tell us how to allocate the maturity value.
		If the Contract Holder or a Participant, as applicable, does not tell us how to reinvest the maturity value, we
		reinvest it in a guaranteed term of the same duration if one is available. If no guaranteed term of the same
		duration is available, we reinvest the maturity value in the guaranteed term with the next shortest duration. If
		no shorter guaranteed term is available, we reinvest the maturity value in the next longest term. We mail a
		confirmation of reinvestment. The confirmation includes the guaranteed term in which we have reinvested
		the maturity value and the guaranteed interest rate for that term.
		If we have reinvested the maturity value, during the month following the Maturity Date, the Contract Holder
		or a Participant, as applicable, may Transfer or Withdraw the reinvested amount, with interest earned (as of
		the date we receive the request) without incurring a market value adjustment (see 5.08).
	5.07	Transfers and Withdrawals from the GAA
		Except as noted below, the Contract Holder or a Participant, as applicable, may Transfer any portion or all
		of the amount held in the GAA. Transfers or Withdrawals before the Maturity Date may be subject to a
		market value adjustment (see 5.08). Amounts invested in a guaranteed term may not be transferred during
		the deposit period or for a period of 90 calendar days after the close of the deposit period.
		Unless directed otherwise, when the Contract Holder or a Participant, as applicable, requests a Transfer or
		Withdrawal from the GAA, we withdraw amounts proportionately from each guaranteed term in which the
		Individual Account is invested. Within a guaranteed term group, we withdraw first from the oldest deposit
		period and then from the next oldest and so on until the amount requested is withdrawn.
	5.08	Application of the Market Value Adjustment
		Transfers or Withdrawals from the GAA before the Maturity Date are subject to a market value adjustment,
		except for:
		(a)	A one-month period following the Maturity Date on which we have automatically reinvested the value
			on the Maturity Date;
G	-CDA(FL)-10		11

		(b)	Distributions under certain systematic distribution options; and
		(c)	When the Withdrawal is equal to the minimum distribution amount required under the Code, using a
			method permitted by the Code and which we offer.
		For Withdrawals and Transfers from the GAA made (1) within six months of a Participant's death; or (2) to
		purchase Annuity payments under a life-contingent Annuity option, the amount withdrawn from the GAA is
		the greater of:
		(a)	The aggregate market value adjustment amount which is the sum of all market value adjusted
			amounts calculated due to a Withdrawal before the Maturity Date (which may be positive or
			negative); or
		(b)	The amount in the GAA.
		For Xxxxxxxxxxx made after the six month period following death, the Withdrawal or Transfer amount is the
		aggregate MVA amount.
		A MVA applies to amounts withdrawn to purchase Annuity payment under a period certain Annuity option.
		We may change the GAA market value adjustment by notifying the Contract Holder in writing at least 90
		calendar days before the change becomes effective. Any such change will apply only to guaranteed terms
		offered in deposit periods after the date the change becomes effective and will apply to existing and new
		Individual Accounts.
	5.09	GAA Market Value Adjustment (MVA)
		The market value adjustment is calculated using the GAA Market Value Adjustment (MVA) formula on
		Contract Schedule I.
	Section 6. Transfers, Withdrawals and Distributions
	6.01	Transfers
		During the Accumulation Phase, the Contract Holder or a Participant, as applicable, may Transfer all or any
		portion of the Individual Account value among the available Investment Options under the Contract. The
		Individual Account value on any amount transferred from a Fund will be based on the Fund's accumulation
		unit value next determined after we receive the Transfer request in Good Order at our Home Office.
		The Contract Holder or a Participant, as applicable, may request a Transfer by properly completing a
		Transfer request form and sending it to our Home Office, or by otherwise complying with our administrative
		procedures. We reserve the right to establish a minimum Transfer amount.
	6.02	Withdrawals
		As allowed by the Plan and any restrictions, limitations, or charges provided for under this Contract, if
		applicable, and subject to provisions of the Code (see 6.03), during the Accumulation Phase, the Contract
		Holder or a Participant, as applicable, may withdraw any portion or all of the Individual Account value. For
		Code Section 403(b) Plans, 401 and governmental 457 Plans, a Participant or the surviving spousal
		beneficiary of a deceased Participant (or a Participant's spouse or former spouse who is an alternate payee
		under a domestic relations order, as defined in Section 414(p) of the Code) who is entitled to an eligible
		rollover distribution may elect to have any portion of an eligible rollover distribution (as defined in Section
		402(c)(4) of the Code) from the Plan paid directly to an eligible retirement plan (as defined in Section
		402(c)(8)(B) of the Code) or paid directly to a Xxxx individual retirement annuity or a Xxxx individual
		retirement account as a qualified rollover contribution (as defined in Section 408A(e) of the Code), as
		specified by the Participant, beneficiary or spouse in a direct rollover. A beneficiary who at the time of the
		Participant's death was neither the spouse of the Participant nor the spouse or former spouse of the
		Participant who is an alternate payee under a qualified domestic relations order may elect to have any
		portion of an eligible rollover distribution directly rolled over only to an individual retirement account or
		individual retirement annuity (IRA) that has been established on behalf of the beneficiary as an inherited IRA
		(within the meaning of Section 408(d)(3)(C) of the Code), to the extent permitted under the Plan.
G	-CDA(FL)-10		12

		The Individual Account value of any amount withdrawn from a Fund will be based on the Fund's
		accumulation unit value next determined after we receive the Transfer request in Good Order.
		The Contract Holder or a Participant, as applicable, may request a Withdrawal by properly completing a
		Withdrawal request form and forwarding it to our Home Office, or by otherwise complying with our
		administrative procedures. Unless the Contract Holder or a Participant, as applicable, requests otherwise,
		the Withdrawal will be made proportionately from the Investment Options under the Contract in which the
		Individual Account is invested.
		A Withdrawal Charge may apply to amounts withdrawn (see 6.04). In addition, a market value adjustment
		may apply to amounts withdrawn from the GAA (see 5.08 and 5.09) and limitations may apply to
		Withdrawals from the Fixed Plus Account II (see 4.04).
	6.03	Withdrawal Restrictions Under the Code
		The Code may impose restrictions on the amount and timing of Withdrawals. The restrictions applicable to
		this Contract are shown on Contract Schedule I under Withdrawal Restrictions Under the Code. Withdrawals
		that do not comply with the Code may be subject to tax penalties.
	6.04	Withdrawal Charge
		During the Accumulation Phase, we may deduct a Withdrawal Charge from the Individual Account value
		withdrawn. The charge, if any, is a percentage of the amount withdrawn from the Funds and/or Fixed
		Interest Options (except, if applicable, the Fixed Plus Account II).
		The Withdrawal Charge, if any, is shown on Contract Schedule I under Withdrawal Charge.
	6.05	Waiver of Withdrawal Charge
		The Withdrawal Charge (see 6.04) does not apply in any of the circumstances shown on Contract Schedule
		I under Waiver of Withdrawal Charge.
		In addition, we reserve the right to reduce, waive or eliminate the Withdrawal Charge.
	6.06	Reinstatement
		Within 30 calendar days after a Withdrawal, the Contract Holder or a Participant, as applicable may elect to
		reinstate all or a portion of the proceeds of a full Withdrawal if allowed by applicable law. We must receive
		the reinstated amount within 60 calendar days of the Withdrawal.
		Any maintenance fee and Withdrawal Charge imposed at the time of the Withdrawal is included in the
		reinstatement. If only a portion of the amount withdrawn is reinstated, the amount of any maintenance fee
		and Withdrawal Charge deducted will be restored proportionally. Any maintenance fee which falls due after
		the Withdrawal and before reinstatement is deducted from the amount reinstated.
		The amount of any market value adjustment deducted from any amount withdrawn from GAA is not included
		in the amount reinstated. Any amount reinstated to the GAA will be credited to guaranteed terms available in
		the current deposit period and will be reinvested in a guaranteed term of the same duration if one is
		available. If no guaranteed term of the same duration is available, we reinvest the maturity value in the
		guaranteed term with the next shortest duration. If no shorter guaranteed term is available, we reinvest the
		maturity value in the next longest term.
		Amounts are reinstated among the Investment Options under the Contract in the same proportion as they
		were held at the time of Withdrawal.
		The number of accumulation units reinstated to any Fund is based on the accumulation unit values next
		computed after we receive the reinstatement request in Good Order at our Home Office.
		Reinstatement is permitted only once.
G	-CDA(FL)-10		13

	6.07	Required Distributions
		While an Individual Account remains in the Accumulation Phase, the Code may require distribution of all or a
		portion of the Individual Account value. The Contract Holder, a Participant or Contract beneficiary, as
		applicable, must tell us when to begin distributions. We have no responsibility for adverse tax consequences
		as the result of the Contract Holder, Participant or Contract beneficiary, as applicable, not complying with
		minimum distribution requirements.
		The distribution requirements, if any, are shown on Contract Schedule I under Required Distributions.
		Generally, to meet distribution requirements, the Contract Holder, a Participant or Contract beneficiary, as
		applicable, may request partial Withdrawals, a systematic distribution option (see 6.08) or an Annuity option.
	6.08	Systematic Distribution Options (SDOs)
		During the Accumulation Phase, we may offer one or more distribution options under which we make
		regularly scheduled automatic partial distributions of the Individual Account value. To request an SDO, the
		Contract Holder, a Participant or Contract beneficiary, as applicable, must complete an SDO election form
		and forward it to our Home Office.
		Each option is available without discrimination to any class of contracts. The availability of any specific
		option may be subject to terms and conditions applicable to that option. We may discontinue the availability
		of an SDO option for future election. Payments will, however, continue to Participants who elected the
		option before the date it is no longer available.
	6.09	Individual Account Termination
		If Contributions have not been made for a period of two full years and the guaranteed monthly benefit under
		the Annuity options would be less than $20 per month, then we may terminate an Individual Account by
		payment of the Individual Account value. Before we do this, we notify the Contract Holder or Participant, as
		applicable, 90 calendar days in advance.
	Section 7. Loans
	7.01	Loan Availability
		Contract Schedule I indicates whether loans are available under this Contract. If available, a loan
		endorsement is included as part of this Contract.
	Section 8. Death Benefit During the Accumulation Phase
	8.01	Death Benefit
		If a Participant dies during the Accumulation Phase, we pay a death benefit. The amount of the death
		benefit is the Individual Account value as of the next Valuation Date following our receipt of acceptable proof
		of death at our Home Office (see 5.08 for amounts in the GAA).
	8.02	Contract Beneficiary
		The Contract beneficiary is shown on Contract Schedule I under Contract beneficiary. Generally, the
		Participant may name a beneficiary under the Plan (the Plan beneficiary). If allowed by the Plan, when
		designating the beneficiary, the Contract Holder or a Participant, as applicable, may specify, the form of
		payment as permitted by the Code. The Contract beneficiary and the form of payment, if applicable, may be
		designated or changed in writing or as we may otherwise allow in our administrative procedures.
	8.03	Distribution of Death Benefit
		Generally, if the Plan beneficiary is the Participant's surviving spouse, distribution of the death benefit must
		begin no later than the year the Participant would have attained age 70 1/2 or any other date allowed under
		federal law or regulations.
G	-CDA(FL)-10		14

		If the Plan beneficiary is not the Participant's surviving spouse, generally, the death benefit must be used to
		purchase Annuity payments within one year of the year of the Participant's death or otherwise paid within
		five years of the year of the Participant's death.
		Annuity payments to a Plan beneficiary may not extend beyond the period specified in the Code.
Part II. Annuity Phase
	Section 9. General Provisions
	9.01	Election
		The Contract Holder, a Participant, or Contract or Plan beneficiary, as applicable, may elect an Annuity
		option by properly completing an election form and forwarding it to our Home Office no later than 30
		calendar days before the desired first Annuity payment date. All Annuity option elections must comply with
		any Plan requirements and regulatory requirements including the Code minimum distribution requirements.
		All or any portion of the Individual Account value (after the deduction of any applicable Premium Tax) may
		be used to purchase Annuity payments (for amounts from the GAA, see 5.08).
		The Contract Holder, a Participant, or Contract or Plan beneficiary, as applicable, must also select the
		Investment Options under the Contract (see 9.05).
		Once payments begin, an Annuity option may not be revoked, nor may any amount be withdrawn except as
		noted below.
	9.02	Annuity Options
		The Contract Holder, a Participant, or Contract or Plan beneficiary, as applicable, must elect one of the
		following Annuity options. The attached Annuity purchase rate tables provide our current guaranteed Annuity
		purchase rates with respect to each option.
		Option 1: Payments for a Stated Period
		This option provides payments for a stated period. The number of years in the stated period must fall within
		the range shown on Contract Schedule II under Payment Period.
		If payments for this option are under a Variable Annuity, the present value of any remaining payments may
		be withdrawn at any time. If a Withdrawal is requested within five years of the first payment, the lump-sum
		payment is treated as a Withdrawal during the Accumulation Phase and any applicable Withdrawal Charge
		applies (see 6.04).
		If the payments are fixed-only, an annual increase of one, two or three percent (compounded annually) may
		be elected at the time the Annuity option is chosen (if permitted by the Code).
		Option 2: Life Income for One Annuitant
		This option provides payments for the life of the Annuitant. If this option is elected, the Contract Holder, a
		Participant, or Contract or Plan beneficiary, as applicable, must also choose one of the following:
		(a)	Payments cease at the death of the Annuitant; or
		(b)	Payments are guaranteed for a period within the range shown on Contract Schedule II under
			Payment Period.
		If the payments are fixed-only, an annual increase of one, two or three percent (compounded annually) may
		be elected at the time the Annuity option is chosen (if permitted by the Code).
		Option 3: Life Income for Two Annuitants
		This option provides payments for the lives of the Annuitant and a second Annuitant. Payments continue
		until both Annuitants have died. If this option is elected, the Contract Holder, a Participant, or Contract or
		Plan beneficiary as applicable, must also choose one of the following:
		(a)	100% of the payment amount to continue after the first death; or
		(b)	66 2/3% of the payment amount to continue after the first death; or
G	-CDA(FL)-10		15

		(c)	50% of the payment amount to continue after the first death; or
		(d)	100% of the payment amount to continue after the first death with payments guaranteed to the
			beneficiary after the second death for a period within the range shown on Contract Schedule II under
			Payment Period; or
		(e)	100% of the payment amount to continue at the death of the specified second Annuitant and 50% of
			the payment amount to continue at the death of the specified Annuitant.
		Under (a) or (d), if the payments are fixed-only, an annual increase of one, two or three percent
		(compounded annually) may be elected at the time the Annuity option is chosen (if permitted by the Code).
		Other Options
		As allowed under applicable state law, we reserve the right to make other options available.
	9.03	Mortality Table
		The mortality table for this Contract is shown on Contract Schedule II under Mortality Table.
	9.04	Payments
		The first payment amount must be at least $100 per month or $500 per year. We reserve the right to
		increase the minimum first payment amount, if allowed by state law, based on increases reflected in the
		Consumer Price Index-Urban (CPI-U) since January 1, 2009.
		To calculate the first payment of a variable Annuity or the guaranteed payments for a fixed Annuity, we will
		use the Annuitant's adjusted age and, if applicable, the second Annuitant's adjusted age. The Annuitant's
		adjusted age and, if applicable, the second Annuitant's adjusted age is the person's age as of the birthday
		closest to the day Annuity payments begin, reduced as follows:
		(a)	Reduced by one year for payments beginning before January 1, 2014;
		(b)	Reduced by two years for payments beginning during the period from January 1, 2014 through
			December 31, 2023;
		(c)	Starting on January 1, 2024, reduced by one additional year for payments beginning in each
			succeeding ten year period.
		If a fixed Annuity is elected, we will use the applicable current settlement option rates if they will provide
		higher fixed Annuity payments.
	9.05	Investment Options
		When an Annuity option is elected, the Contract Holder, a Participant, or Contract or Plan beneficiary, as
		applicable, must elect:
		(a)	A fixed Annuity for which the underlying investment is our General Account;
		(b)	A variable Annuity for which the underlying investment is one or more of the available Funds; or
		(c)	A combination of (a) and (b).
		For a variable Annuity, the maximum number of Funds available during the Annuity Phase is shown on
		Contract Schedule II under Maximum Number of Funds. The Funds available during the Annuity Phase
		might not be the same as those available during the Accumulation Phase.
	9.06	Fixed Annuity Minimum Guaranteed Interest Rate
		For a fixed Annuity, the interest rate will never be less than the minimum guaranteed rate shown on
		Contract Schedule II under Fixed Annuity Minimum Guaranteed Interest Rate.
G	-CDA(FL)-10		16

	9.07	Variable Annuity Assumed Annual Net Return Rate Election
		If a variable Annuity is elected, the initial Annuity payment for the option elected will reflect the assumed
		annual net return rate of 3.5%. If subsequent Annuity payments are to remain level, the Separate Account
		must earn this rate, plus enough to cover the mortality and expense risk charge shown on Contract
		Schedule II under Daily Charges to the Separate Account plus any applicable administrative charge.
	9.08	Variable Annuity Transfers
		If a variable Annuity is elected, the Contract Holder, a Participant, or Contract or Plan beneficiary, as
		applicable, may request that we Transfer all or a portion of the amount allocated to a Fund to any other
		available Fund. Transfer requests must be expressed as a percentage of the allocation among the Funds on
		which the variable payment is based. The number of Transfers allowed each calendar year is shown on
		Contract Schedule II under Number of Annual Transfers Among Funds. We reserve the right to allow
		additional Transfers. Transfers are effective as of the next Valuation Date following our receipt of a Transfer
		request in Good Order at our Home Office.
	9.09	Fund Annuity Units
		The number of Fund Annuity units is based on the amount of the first variable Annuity payment which is
		equal to:
		(a)	The portion of the Individual Account value (minus any applicable Premium Tax) used to purchase a
			variable Annuity; divided by
		(b)	One thousand; multiplied by
		(c)	The payment rate for the option chosen.
		Such amount, or portion of the variable payment, will be divided by the appropriate Fund's, or Funds',
		Annuity unit value (see 9.10) on the tenth Valuation Date before the due date of the first payment to
		determine the number of Fund Annuity units. The number of each Fund's Annuity units remains fixed unless
		changed by a subsequent Fund Transfer or if the Annuity option provides for a change in units (i.e., under
		life income for two annuitants option after the first death). Each future payment is equal to the sum of the
		products of each Fund's Annuity unit value multiplied by the appropriate number of units. The Fund Annuity
		unit value on the tenth Valuation Date before the payment due date is used.
	9.10	Fund Annuity Unit Value
		For any Valuation Date, a Fund's Annuity unit value is equal to:
		(a)	The Annuity unit value for the prior Valuation Date; multiplied by
		(b)	The Annuity net return factor (see 9.11) for the current Valuation Date; multiplied by
		(c)	The factor for an assumed annual net return rate of 3.5% which is 0.9999058.
		The dollar value of a Fund Annuity unit and the amount of a variable Annuity payment may increase or
		decrease due to investment gain or loss. We will not change the payment amount due to changes in
		mortality, expense results, or the administrative charge.
	9.11	Fund Annuity Net Return Factor
		The Annuity net return factor is used to compute all variable Annuity payments for any Fund.
		The net return factor(s) for each Fund is equal to 1.0000000 plus the net return rate.
		The net return rate equals:
			[a - b - c]
			------------- - e
			d
G	-CDA(FL)-10		17

		Where:
		a is	the value of the shares of the Fund held by the Separate Account on the current Valuation Date;
		b is	the value of the shares of the Fund held by the Separate Account on the prior Valuation Date;
		c is	taxes or provisions for taxes, if any, on the Separate Account (with any federal income tax liability
			offset by foreign tax credits to the extent allowed);
		d is	the total value of the accumulation units and Annuity units of the Separate Account on the prior
			Valuation Date;
		e is	Separate Account daily charges for mortality and expense risk and a daily administrative charge as
			shown on Contract Schedule II under Daily Charges to the Separate Account.
		A net return rate may be more or less than 0%. The value of a share of a Fund is equal to the net assets of
		the Fund divided by the number of shares outstanding.
	9.12	Death Benefit During the Annuity Phase
		The Contract Holder or a Participant, as applicable, must name a beneficiary for the Annuity Phase. Unless
		not allowed by the Plan, or restricted by the Contract Holder, or a Participant, as applicable, the beneficiary
		may name a beneficiary.
		If an Annuitant(s) dies, any remaining guaranteed payments continue to the beneficiary. Payments are made
		at least as rapidly as provided by the option in effect at the death of the Annuitant. Annuity payments to a
		beneficiary may not extend beyond (1) the life of the beneficiary, or (2) any period certain greater than the
		beneficiary's life expectancy as determined by the Code.
		The beneficiary may also elect a lump-sum payment equal to the present value of any remaining payments.
		The interest rate used to determine the first Annuity payment is used to calculate the present value. The
		present value is determined as of the next Valuation Date following our receipt of acceptable proof of death
		and a written claim for the death benefit.
		Unless not allowed by the Plan or restricted by the Contract Holder, or a Participant, as applicable, if the
		beneficiary dies while receiving payments, the present value of any remaining guaranteed payments is paid
		in a lump-sum to the beneficiary's beneficiary or to the beneficiary's estate.
	9.13	Charges to the Separate Account
		During the Annuity Phase, we may deduct a mortality and expense risk charge from the Individual Account
		value invested in the Separate Account. In addition, we reserve the right to impose an administrative
		charge.
		The maximum charges to the Separate Account are shown on Contract Schedule II under Daily Charges to
		the Separate Account. If applicable, the charges are deducted daily.
G	-CDA(FL)-10		18

			OPTION 1: Payments for a Stated Period
			Monthly Amount for Each $1,000*
	Rates for a Fixed Annuity with a 1% Guaranteed Interest Rate
	Years		Payment	Years		Payment
	5	$	17.08	20	$	4.59
	10		8.75	25		3.76
	15		5.98	30		3.21
			First Monthly Amount for Each $1,000*
	Rates for a Variable Annuity with a 3.5% Assumed Interest Rate (AIR)
	Years		Payment	Years		Payment
	5	$	18.12	20	$	5.75
	10		9.83	25		4.96
	15		7.10	30		4.45
			* Net of any applicable Premium Tax deduction
G-CDA(FL)-10				19

					Option 2: Life Income for One Annuitant**
					Monthly Payment Amount for Each $1,000*
			Rates for a Fixed Annuity Payment with 1% Guaranteed Interest Rate
			Option 2(a):		Option 2(b):		Option 2(b):		Option 2(b):		Option 2(b):
	Adjusted		payments for		payments		payments		payments		payments
	Age of		life		guaranteed		guaranteed		guaranteed		guaranteed
	Annuitant				5 years		10 years		15 years		20 years
	55	$	3.20	$	3.19	$	3.18	$	3.14	$	3.08
	60		3.67		3.66		3.62		3.55		3.43
	65		4.30		4.27		4.19		4.04		3.80
	66		4.45		4.42		4.33		4.15		3.87
	70		5.17		5.12		4.93		4.60		4.14
	75		6.41		6.27		5.83		5.15		4.40
First Monthly Payment Amount for each $1,000*
Rates for a Variable Annuity Payment with 3.5% Assumed Interest Rate
			Option 2(a):		Option 2(b):		Option 2(b):		Option 2(b):		Option 2(b):
	Adjusted		payments for		payments		payments		payments		payments
	Age of		life		guaranteed		guaranteed		guaranteed		guaranteed
	Annuitant				5 years		10 years		15 years		20 years
	55		4.57		4.56		4.53		4.47		4.40
	60		5.03		5.01		4.96		4.86		4.71
	65		5.67		5.63		5.52		5.32		5.04
	66		5.82		5.78		5.65		5.42		5.11
	70		6.56		6.48		6.23		5.84		5.35
	75		7.83		7.64		7.10		6.35		5.58
					* Net of any applicable Premium Tax deduction
	**Rates are based on mortality from Annuity 2000 Table. The rates do not differ by sex.
			Rates for ages not shown will be provided on request and will be computed
			on a basis consistent with the rates in the above tables.
G	-CDA(FL)-10						20

				Option 3: Life Income for Two Annuitants**
First Monthly Payment Amount for Each $1,000*
Rates for a Fixed Annuity Payment with 1.0% Guaranteed Interest Rate
	Adjusted Ages									Payments
										guaranteed
	Primary	Secondary								10 years
	Annuitant	Annuitant		Option 3(a)		Option 3(b)		Option 3(c)		Option 3(d)		Option 3(e)
	55	50	$	2.57	$	2.85	$	3.01	$	2.57	$	2.85
	55	60		2.87		3.21		3.42		2.86		3.02
	65	60		3.25		3.69		3.96		3.25		3.70
	65	70		3.76		4.34		4.69		3.75		4.01
	75	70		4.46		5.23		5.73		4.43		5.26
	75	80		5.45		6.50		7.20		5.31		5.90
First Monthly Payment Amount for Each $1,000*
Rates for a Variable Annuity Payment with 3.5% Assumed Interest Rate
	Adjusted Ages									payments
										guaranteed
	Primary	Secondary								10 years
	Annuitant	Annuitant		Option 3(a)		Option 3(b)		Option 3(c)		Option 3(d)		Option 3(e)
	55	50	$	3.91	$	4.22	$	4.39	$	3.91	$	4.21
	55	60	$	4.18	$	4.57	$	4.79	$	4.18	$	4.37
	65	60	$	4.55	$	5.04	$	5.33	$	4.54	$	5.05
	65	70	$	5.05	$	5.69	$	6.08	$	5.03	$	5.34
	75	70	$	5.74	$	6.60	$	7.14	$	5.69	$	6.63
	75	80	$	6.74	$	7.90	$	8.65	$	6.56	$	7.24
				* Net of any applicable Premium Tax deduction
	**Rates are based on mortality from Annuity 2000 Table. The rates do not differ by sex.
		Rates for ages not shown will be provided on request and will be computed
				on a basis consistent with the rates in the above tables.
G	-CDA(FL)-10					21

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Voya Retirement Insurance and Annuity Company
ENDORSEMENT
	The Contract or Certificate, if applicable, is hereby endorsed as follows:
	1	.	The Loan Account provision is added to the Section entitled Definitions:
			Loan Account: An accounting device used to keep a record of loan activity. For each loan, an amount equal to
			the loan amount is transferred from the Investment Options in which the Individual Account is invested and is
			credited to the Loan Account. The Loan Account is then credited with interest at a rate which is not less than the
			Loan Interest Rate, less 2.5%, on an annual basis.
			These provisions become effective:
			.	For all loans issued on or after January 1, 2002.
			.	For all loans which provide for reamortization and were issued prior to January 1, 2002, on the first loan
				anniversary occurring in 2002.
	2	.	For all loans which are effective on or after January 1, 2002, the following loan provisions apply:
			Loan Effective Date: The date the Company's Home Office has received a loan request form and any other
			required forms in good order. However, for loan requests received on the 29th, 30th or 31st of any calendar
			month that are otherwise in good order, the Loan Effective Date will be the first business day of the following
			month.
			Loan Interest Rate: The interest rate the Company charges on a loan.
			Monthly Average Corporates: Moody's Corporate Bond Yield Average-Monthly Average Corporates published
			by Xxxxx'x Investor Service, or its successor, or a substantially similar average as may be allowed by law or
			regulation.
			Loans: During the Accumulation Phase, loans are granted (1) as permitted under applicable law; (2) subject to
			the terms and conditions of the loan agreement; and (3) in accordance with the following provisions:
			(a) Amount available for loan: The amount available for loan is limited to the vested Individual Account
				Value attributable to Participant contributions subject to any Plan vesting limits as determined by the
				Contract Holder , plus any additional amounts allowed by the Plan as determined by the Contract Holder.
				Amounts available from some Investment Options may be subject to limitations specified in the loan
				agreement. To obtain the requested loan amount, these limitations may require a transfer of Funds from
				certain Investment Options. A Market Value Adjustment may apply to amounts transferred from the
				Guaranteed Accumulation Account (if applicable). The amount, if any, from the Fixed Plus Account II (if
				applicable) may be subject to a default charge if the Participant defaults on the loan.
				For plans subject to ERISA, the minimum loan amount is $1,000. For plans not subject to ERISA, the
				minimum loan amount is defined in the loan agreement.
				A loan is not available from an Individual Account established for employee designated Xxxx contributions
				("Participant Xxxx Account"). The Participant Xxxx Account is excluded from the calculation of the amount
				available for loan. The amount available for a full or partial withdrawal from a Participant Xxxx Account will
				not be reduced by any outstanding loan balance.
				The maximum loan amount is the lesser of:
				(1	)	Fifty percent (50%) of the vested Individual Account Value, including the amount, if any, in the Loan
						Account, reduced by the amount of any outstanding loan balance on the Loan Effective Date; or
				(2	)	Fifty thousand dollars ($50,000) reduced by the highest outstanding loan balance for the preceding 12
						months.
				The total amount of all outstanding loans cannot exceed $50,000.
E	-MMLOAN(FL)-10

(b)	Loan Interest Rate:
	(1	)	For plans subject to ERISA: The Company will set a Loan Interest Rate on the first business day of
			each month. The interest rate will be equal to the Monthly Average Corporates for the calendar month
			beginning two months before the Loan Interest Rate is effective. The initial interest rate for each loan
			is the rate for the calendar month in which the Loan Effective Date occurs. The initial interest rate is
			effective for a period of time not less than three months and not more than one year. The period is
			specified in the loan agreement. For each subsequent period, the interest rate is adjusted if the new
			rate is at least 0.5% higher or lower than the current interest rate. The Company will provide written
			notification of any change to the Loan Interest Rate.
	(2	)	For plans not subject to ERISA: The Loan Interest Rate will not be greater than 8% on an annual
			basis.
(c)	Loan Repayment: A loan may be repaid as described in the loan agreement, or paid in full at any time.
(d)	Partial Withdrawal(s) While A Loan Is Outstanding: The amount available for partial Withdrawal while a
	loan is outstanding is equal to the vested Individual Account Value, including the Loan Account, minus
	125% of the outstanding loan balance.
(e)	Full Withdrawal While A Loan Is Outstanding: When a full Withdrawal is requested while a loan is
	outstanding, one of the following occurs:
	(1	)	If the vested Individual Account Value available for distribution is sufficient to repay (a) the
			outstanding loan balance plus (b) any applicable Fixed Plus Account II default charge, and (c) any
			applicable Withdrawal Charge due on the outstanding loan balance, that amount (the total of (a), (b),
			and (c)) minus the Loan Account balance, is deducted from the vested Individual Account Value, and
			the loan is canceled. The outstanding loan balance, if not previously reported, will be reported to the
			Internal Revenue Service as a distribution.
	(2	)	If the vested Individual Account Value available for distribution is not sufficient to repay (a) the
			outstanding loan balance plus (b) any applicable Fixed Plus Account II default charge, and (c) any
			applicable Withdrawal Charge due on the outstanding loan balance, the Withdrawal amount cannot
			exceed the vested Individual Account Value, including the Loan Account, minus 125% of the
			outstanding loan balance and a full Withdrawal cannot be made until the loan is repaid in full.
(f)	Electing An Annuity Option While a Loan Is Outstanding: Before all or any portion of the vested
	Individual Account Value is used to purchase Annuity payments, the Participant may repay any outstanding
	loan balance. Otherwise, the vested Individual Account Value is adjusted to cancel the loan as described in
	"Full Withdrawal While A Loan Is Outstanding" above.
(g)	Death Of The Participant While A Loan Is Outstanding: If a death benefit claim is submitted for an
	Individual Account with an outstanding loan, the vested Individual Account Value, including the amount of
	the Loan Account, is reduced by the amount of the outstanding loan balance before the death benefit
	amount is determined.
(h)	Loan Default: If the Company does not receive a loan payment when due, the entire outstanding loan
	balance will be in default, will be reported to the IRS on IRS Form 1099-R for the year that the default
	occurred and will be treated as follows:
	(1	)	If the amount of the vested Individual Account Value available for distribution is sufficient to repay (a)
			the outstanding loan balance plus (b) any applicable Fixed Plus Account II default charge, plus (c) any
			Withdrawal Charge due on the outstanding loan balance, that amount is deducted from the vested
			Individual Account Value; or
E-MMLOAN(FL)-10				2

	(2	)	If the amount of the vested Individual Account Value available for distribution is not sufficient to repay
			(a) the outstanding loan balance plus (b) any applicable Fixed Plus Account II default charge, plus (c)
			any Withdrawal Charge due on the outstanding loan balance, the Loan Account will continue to earn
			interest, and interest will continue to be charged on the defaulted amount until it is repaid in its
			entirety or until there is a sufficient amount in the Individual Account to repay the total amount due in
			(a), (b), and (c) above. This will generally be when the Participant reaches age 59 1/2 or separates
			from service.
	(3	)	For all loans effective on and after January 1, 2004, we reserve the right not to grant a loan request if
			the Participant has an outstanding loan in default.
	(4	)	In the event of a loan default, no amount of the outstanding loan balance, Fixed Plus Account II
			default charge or Withdrawal Charge due on the outstanding loan balance will be deducted from the
			Participant Xxxx Account.
	Endorsed and made a part of the Contract and Certificate, if applicable, on the Effective Date of the Contract and
	Certificate.
	You may call the following toll-free number with inquiries, to obtain information regarding coverage, or receive
	assistance in resolving complaints: 0-000-000-0000.
				/s/Xxxxx X. Xxxxxxxxx President
				Voya Retirement Insurance and Annuity Company
E	-MMLOAN(FL)-10			3

Voya Retirement Insurance and Annuity Company
ENDORSEMENT
This Contract, and the Certificate, if applicable, are endorsed as follows.
1	.	Delete the Loan Account provision and replace with the following:
		The Loan Account: An accounting device used to keep a record of loan activity. For each loan, an amount
		equal to the loan amount is transferred from the Investment Options in which the Individual Account is invested
		and is credited to the Loan Account. The Loan Account is then credited with interest at a rate equal to the Loan
		Interest Rate.
2	.	The Loan Interest Rate provision is deleted and replaced with the following:
		Loan Interest Rate: The Company will set a Loan Interest Rate on the first business day of each month. The
		interest rate will be equal to the Moody's Average Corporates for the calendar month beginning two months
		before the Loan Interest Rate is effective.
		If the interest rate is 8% or less, the rate will be fixed for the term of the loan.
		An adjustable interest rate will be applied if the initial interest rate exceeds 8%. The initial interest rate will be
		effective for a period of not less than three months and not more than one year. The initial interest rate and the
		period for which it will apply will be specified in the loan agreement. For each subsequent period, the interest
		rate is adjusted if the new rate is at least 0.5% higher or lower than the current rate. We will provide Participants
		with reasonable notification of any change in the Loan Interest Rate.
3	.	Add the following:
		Loan Initiation Fee: Loans which are effective on and after the effective date of this endorsement will be
		subject to a fee for loan initiation. This fee will not exceed $100 per loan. The initiation fee will be deducted from
		the vested Individual Account value during the first month of the loan period.
		The Company reserves the right to change the fees charged for loan initiation, but not to exceed $100 per loan.
Endorsed and made a part of the Contract, and the Certificate, if applicable, on the Effective Date of the Contract and
Certificate.
You may call the following toll-free number with inquiries, to obtain information regarding coverage, or receive
assistance in resolving complaints: 0-000-000-0000.
		/s/Xxxxx X. Xxxxxxxxx                                                                                        President
		Voya Retirement Insurance and Annuity Company
E-LIF-10(XC)(FL)

Voya Retirement Insurance and Annuity Company
ENDORSEMENT
	The Contract or Certificate, whichever is applicable is hereby endorsed as follows:
	For purposes of this Endorsement only, partial surrenders are defined as any amounts surrendered, including any loans
	taken, any amounts surrendered to satisfy any outstanding interest due associated with a defaulted loan, and any
	amounts applied to an income phase payment option.
	1	.	Delete Section 8.01, Death Benefit, and replace it with the following:
			(I)	The Company will pay any portion of the Individual Account Value to the beneficiary when:
				(a)	The Participant dies before Annuity payments start; and
				(b)	The certified copy of the death certificate and a completed and signed election form is received in
					Good Order at the Home Office.
			(II)	For each Individual Account, the death benefit is guaranteed to be the greater of (a) or (b) below,
				calculated as of the close of the New York Stock Exchange on the date the certified copy of the death
				certificate and a completed and signed election form is received in Good Order at the Home Office:
				(a)	The Adjusted Contribution Total, which is the sum of all net Contribution(s) to the Individual Account,
					adjusted for partial surrender amount(s) (this amount will never be less than zero); or
				(b)	The Individual Account Value, excluding the Loan Account, plus aggregate positive MVA, as
					applicable.
			(III)	The Adjusted Contribution Total in (II)(a) is initially equal to the first net Contribution. The Adjusted
				Contribution Total is then adjusted upon each subsequent net Contribution, loan repayment, or partial
				surrender. The adjustment for subsequent net Contribution and loan repayments made will be dollar for
dollar. The adjustment for partial surrender amounts will be proportionate, reducing the Adjusted
				Contribution Total in the same proportion that the Individual Account Value, excluding the Loan Account,
was reduced on the date of the partial surrender. The proportionate adjustment on the Adjusted
				Contribution Total for each partial surrender is defined as the Adjusted Contribution Total at the time
				multiplied by the fraction A divided by B (A/B), where:
					A is the Individual Account Value, excluding the Loan Account, immediately after a partial surrender;
					and
					B is the Individual Account Value, excluding the Loan Account, immediately before a partial surrender.
			(IV)	If the amount of the death benefit in (II)(a) is greater than the amount in (II)(b), the Company will deposit
				the difference to the Individual Account. The amount, if any, will be deposited no later than the business
				day following the date the certified copy of the death certificate and a completed and signed election form
				is received in Good Order at the Home Office. If the beneficiary in that situation requests an immediate
				surrender or annuitization of the account, the amount paid will be the Individual Account Value excluding
				the Loan Account, valued no later than the next business day following the date of deposit of the
				difference to the Individual Account.
				If the amount of the death benefit in (II)(a) is less than the amount in (II)(b) and the beneficiary requests an
				immediate surrender or annuitization of the account, the amount paid will be the Individual Account Value
				excluding the Loan Account valued no later than the next business day following the business day the
notice of death and the request for payment are received in Good Order at the Home Office.
				A beneficiary may alternatively elect to defer distribution of the Individual Account Value as permitted by
				the Code. In that situation, the amount paid to the beneficiary upon the actual date of surrender or
				annuitization will equal the Individual Account Value, excluding the Loan Account, on the date the payment
				request is processed, and the amount paid may be more or less than the amount of the death benefit
				determined in (II) above when the notice of death and election of the payment method was received. No
				additional death benefit is payable upon the beneficiary's death.
E	-MMGDBP(FL)-10					1

	2	.	Delete Section 8.03, Distribution of Death Benefit, and replace it with the following:
			If the Participant dies before distributions begin in accordance with the provisions of Code Section
			401(a) (9), the entire value of the Individual Account must be distributed by December 31 of the calendar
			year containing the fifth anniversary of the date of the Participant's death. Alternatively, if the Participant
			has a designated beneficiary, payments may be made over the life of the beneficiary or over a period not
			extending beyond the life expectancy of the beneficiary provided distribution to a non-spouse beneficiary
			begins by December 31 of the calendar year following the calendar year of the Participant's death. If the
			beneficiary is the Participant's spouse, the distribution is not required to begin earlier than December 31 of
			the calendar year in which the Participant would have attained age 70 1/2, or such later date as may be
			allowed under Federal law or regulations.
			If the Participant dies after distributions begin in accordance with the provisions of Code Section 401(a)(9),
			payments to the beneficiary must be made at least as rapidly as the method of distribution in effect at the
			time of the Participant's death or such other method of distribution as may be allowed under Federal law or
			regulations.
			If no beneficiary exists, the payment will be made to the Participant's estate.
	Endorsed and made part of the Contract and the Certificate, if applicable, on the Effective Date of the Contract and
	Certificate, and upon approval.
	You may call the following toll-free number with inquiries, to obtain information regarding coverage, or receive
	assistance in resolving complaints: 0-000-000-0000.
				/s/Xxxxx X. Xxxxxxxxx President
				Voya Retirement Insurance and Annuity Company
E	-MMGDBP(FL)-10			2

Voya Retirement Insurance and Annuity Company

 
ENDORSEMENT

The Contract and the Certificate, if any, is endorsed as follows:
 

The first paragraph of Section 1.16, Maintenance Fee is deleted and replaced with the following:
  

We may deduct a maintenance fee during the Accumulation Phase on a quarterly basis. We reserve the right to

change the frequency of the maintenance fee deductions.

The total amount of the maintenance fee per year, if any, for this Contract will never be more than the amount

shown on Contract Schedule I under Maintenance Fee. The fee, if any, is deducted proportionately from each

Investment Option under the Contract in which an Individual Account is invested at the time the fee is deducted.
  

Endorsed and made part of this Contract and the Certificate, if any, on the Effective Date of the Contract.
  

You may call the following toll-free number with inquiries, to obtain information regarding coverage, or receive

assistance in resolving complaints: 0-000-000-0000.

/s/Xxxxx X. Xxxxxxxxx
                                                                                            President

Voya Retirement Insurance and Annuity Company

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[Voya logo]

Voya Retirement Insurance and Annuity Company

Home Office: Xxx Xxxxxx Xxx

Windsor, Connecticut 06095-4774

PO Box 990065

Hartford, CT 06199-0065

000-000-0000

Group Combination, Deferred Annuity Contract

(Nonparticipating)

G-CDA(FL)-10