0000837010-16-000096 Sample Contracts

RECIPROCAL LOAN AGREEMENT
Reciprocal Loan Agreement • May 12th, 2016 • VOYA RETIREMENT INSURANCE & ANNUITY Co • Life insurance • Delaware

This RECIPROCAL LOAN AGREEMENT (this “Agreement”), dated as of April 1, 2016, between Voya Retirement Insurance and Annuity Company, a Connecticut life insurance company (“VRIAC” or “Company”), located at One Orange Way, Windsor, Connecticut 06095 and Voya Financial, Inc., a Delaware corporation (“Voya Financial” or “Company”), located at 230 Park Avenue, New York, New York 10169 (collectively referred to as the "Companies").

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AMENDED AND RESTATED SERVICES AGREEMENT
Amended and Restated Services Agreement • May 12th, 2016 • VOYA RETIREMENT INSURANCE & ANNUITY Co • Life insurance

This Amended and Restated Services Agreement ("Agreement") is made as of this 1st day of April, 2015, by and among Voya Retirement Insurance and Annuity Company (“VRIAC”), an insurance company organized and existing under the laws of the state of Connecticut, the affiliated insurance companies specified in Exhibit B hereto and certain other affiliated companies specified in Exhibit B hereto.

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