EX-4.I
from S-3/A
~50
pages
If You Take a Withdrawal From or Surrender the Contract, Surrender Charges May Apply. Surrender Charges, When Applied, Will Reduce the Amount Paid to You. Surrender Charges Will Not Apply Under Certain Conditions. Payments and Values, When Based Upon the Investment Experience of the Variable Subaccounts, Are Variable and Not Guaranteed as to a Fixed Dollar Amount. Contract Values Allocated to Indexed Segments May Be Affected by an External Index; However, Such Contract Values Do Not Directly Participate in Any Equity Investments. This Contract Is Non-Participating Which Means It Will Not Pay Dividends Resulting From Any of the Surplus or Earnings of VOYA INSURANCE and Annuity Company
12/34/56