0000836658-18-000007 Sample Contracts

AMENDMENT TO AND RESTATEMENT OF DISTRIBUTION AGREEMENT
Distribution Agreement • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance • Pennsylvania

AMENDMENT TO AND RESTATEMENT OF DISTRIBUTION AGREEMENT originally dated December 27, 1988, by and between Golden American Life Insurance Company, ("Golden American") a Minnesota corporation, on its own behalf and on behalf of the Western Capital Specialty Managers Separate Account B ("Account") and Directed Services, Inc., ("DSI"), a New York corporation.

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CONTRACTHOLDER: GROUP CONTRACT NUMBER: ISSUED IN: CONTRACT ISSUE DATE:
Entire Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

In consideration of application for this Contract and the payment of premiums, we agree, subject to the terms and conditions of this Contract, to provide the benefits described in this Contract to the persons eligible (herein called "Annuitant[s]") under the terms of this Contract.

Annuitant Owner [THOMAS J. DOE] [JOHN Q. DOE] Initial Premium Annuity Option Annuity Commencement Date [$10,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 2026] Separate Account(s) [SEPARATE ACCOUNT B] Contract Number [123456]
Important Terms • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

When a distribution is made from an investment portfolio underlying a Separate Account Division in which reinvestment is not available, we will allocate the amount of the distribution to the [Liquid Asset Division] unless you specify otherwise.

Offices: 1475 Dunwoody Drive, West Chester, Pennsylvania 19380 CONTRACTHOLDER: [Golden Investor Trust, Inc.] GROUP CONTRACT NUMBER:[12345]
Entire Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

In consideration of application for this Contract and the payment of premiums, we agree, subject to the terms and conditions of this Contract, to provide the benefits described in this Contract to the persons eligible (herein called "Annuitant[s]") under the terms of this Contract.

GOLDEN FLEXIBLE PREMIUM -------- AMERICAN DEFERRED COMBINATION -------------- LIFE INSURANCE VARIABLE AND FIXED ------- COMPANY ANNUITY CONTRACT
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

MORTALITY AND EXPENSE RISK CHARGE - We deduct a charge from the assets in each Variable Separate Account Division on a daily basis for mortality and expense risks. The charge is not deducted from the Fixed Account or General Account values. Prior to the Annuity Commencement Date, the Mortality and Expense Risk Charge varies by Benefit Option Package selected by you, as follows:

Annuitant Owner [THOMAS J. DOE] [JOHN Q. DOE] Initial Premium Annuity Option Annuity Commencement Date [$10,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 2053] Separate Account(s) Contract Number [SEPARATE ACCOUNT B AND THE FIXED ACCOUNT] [123456]
Exhibit 16 • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

When a distribution is made from an investment portfolio underlying a Variable Separate Account Division in which reinvestment is not available, we will allocate the amount of the distribution to the [Liquid Asset Division] unless you specify otherwise.

GOLDEN AMERICAN DEFERRED VARIABLE LIFE INSURANCE ANNUITY CONTRACT COMPANY Golden American is a stock company domiciled in Delaware. -------------------------------------------------------------------------------
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Divisions of the Variable Separate Account and the General Account shown in the Schedule.

Annuitant Owner | | [THOMAS J. DOE] [JOHN Q. DOE] | | Initial Premium Annuity Option Annuity Commencement Date | | [$10,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 2026] | | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B] [123456] |
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Divisions of the Variable Separate Account and the General Account shown in the Schedule.

GOLDEN --------AMERICAN ----------LIFE INSURANCE -------COMPANY DEFERRED COMBINATION VARIABLE AND FIXED ANNUITY CONTRACT
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Variable Separate Account, the General Account and the Fixed Account shown in the Schedule.

GOLDEN -------- AMERICAN ---------- LIFE INSURANCE ------- COMPANY DEFERRED COMBINATION VARIABLE AND FIXED ANNUITY GROUP MASTER CONTRACT
Entire Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

In consideration of application for this Contract and the payment of premiums, we agree, subject to the terms and conditions of this Contract, to provide the benefits described in this Contract to the persons eligible (herein called "Annuitant[s]") under the terms of this Contract.

GOLDEN FLEXIBLE PREMIUM -------- AMERICAN DEFERRED COMBINATION -------------- LIFE INSURANCE VARIABLE AND FIXED ------- COMPANY ANNUITY CONTRACT
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Variable Separate Account, the General Account and the Fixed Account shown in the Schedule.

Annuitant Owner | |[THOMAS J. DOE] [JOHN Q. DOE] | |Initial Premium Annuity Option Annuity Commencement Date| |[$10,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 2026] | |Separate Account(s) Contract Number | |[SEPARATE ACCOUNT B AND THE FIXED ACCOUNT]...
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Variable Separate Account, the General Account and the Fixed Account shown in the Schedule.

Offices: 1475 Dunwoody Drive, West Chester, Pennsylvania 19380
VOYA INSURANCE & ANNUITY Co • February 5th, 2018 • Life insurance

In consideration of application for this Contract and the payment of premiums, we agree, subject to the terms and conditions of this Contract, to provide the benefits described in this Contract to the persons eligible (herein called "Annuitant[s]") under the terms of this Contract.

Annuitant Owner | | [THOMAS J. DOE] [JOHN Q. DOE] | | Initial Premium Annuity Option Annuity Commencement Date | | [$10,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 2026] | | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B AND THE FIXED...
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Variable Separate Account, the General Account and the Fixed Account shown in the Schedule.

Thomas J. Doe] [John Q. Doe] Initial Premium Payment Annuity Option Annuity Commencement Date [$10,000] [Life 10-Year Fixed Period] [January 1, 2036] Separate Account(s) Contract Number [Separate Account B of ING USA and Fixed Account II] [123456]
VOYA INSURANCE & ANNUITY Co • February 5th, 2018 • Life insurance

This is a legal Contract between its Owner(s) and us. In this Contract you or your refers to the Owner(s) shown above. We, our or us refers to ING USA Annuity and Life Insurance Company. You may allocate this Contract s Accumulation Value between the Variable Separate Account and the Fixed Account.

Offices: 1475 Dunwoody Drive, West Chester, Pennsylvania 19380
Entire Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

In consideration of application for this Contract and the payment of premiums, we agree, subject to the terms and conditions of this Contract, to provide the benefits described in this Contract to the persons eligible (herein called "Annuitant[s]") under the terms of this Contract.

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