Exhibit 24(b)(8.103)

RULE 22C-2 AGREEMENT

This AGREEMENT, made and entered into as of this 17^th day of January, 2011, between USAA

Mutual Funds Trust (“Trust”), a registered investment company, acting on behalf of each of the

USSA Mutual Funds series (each a “Fund” or collectively the “Funds”). and ING Life Insurance

and Annuity Company, ING National Trust, ING USA Annuity and Life Insurance Company,

ReliaStar Life Insurance Company, ReliaStar Life Insurance Company of New York, Security

Life of Denver Insurance Company and Systematized Benefits Administrators Inc. (individually

an “Intermediary” and collectively the “Intermediaries”)

WHEREAS, the Fund and the Intermediary have entered into a fund participation and/or selling

and service agreement dated 17^th day of January, 2011;

WHEREAS, the Intermediaries have adopted policies and procedures to monitor and deter

excessive trading activity within the mutual funds, including the Funds, available through the

variable annuity, variable life insurance and variable retirement plan products which they offer

(the “Variable Products”);

WHEREAS, the Intermediaries’ policies and procedures to monitor and deter excessive trading

activity within the mutual funds available through their Variable Products are attached hereto

and made part of this Agreement as Schedule A (the “Excessive Trading Policy”);

WHEREAS, the Fund desires for the Intermediaries to monitor and deter excessive trading

activity in the Funds in accordance with the Intermediaries’ Excessive Trading Policy; and

WHEREAS, the parties desire to otherwise comply with the requirements under Rule 22c-2 of

the Investment Company Act of 1940, as amended (“Rule 22c-2”).

NOW, THEREFORE, in consideration of the mutual covenants herein contained, which

consideration is full and complete, the Fund and the Intermediaries hereby agree as follows:

A. Agreement to Monitor and Deter Excessive Trading Activity.

1. The Intermediaries agree to monitor and deter excessive trading activity in the Funds

which are available through their Variable Products in accordance with the Intermediaries’

Excessive Trading Policy. Said Excessive Trading Policy may be amended from time to time

with the consent of the parties, which consent will not be unreasonably withheld.

2. The Intermediaries agree to provide the Fund the taxpayer identification number (“TIN”),

if requested, or any other identifying factor that would provide acceptable assurances of the

identity of all shareholders that are restricted in the Fund to regular U.S. mail trading under the

Intermediaries’ Excessive Trading Policy.

B. Agreement to Provide Shareholder Information.

1. Each Intermediary agrees to provide the Fund, upon written request, the following

shareholder information:

a. The taxpayer identification number (“TIN”) or any other government issued

identifier, if known, that would provide acceptable assurances of the identity of each

shareholder that has purchased, redeemed, transferred or exchanged shares of a Fund

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		through an account directly maintained by the Intermediaries during the period
		covered by the request;
b.		The amount and dates of, and the Variable Product(s) associated with, such
		shareholder purchases, redemptions, transfers and exchanges; and
c.		Any other data mutually agreed upon in writing.
2. Unless specifically requested by the Fund, the Intermediaries shall only be required to
provide information relating to Covered Transactions.
3. Under this Agreement the term “Covered Transactions” are those transactions which the
Intermediaries consider when determining whether trading activity is excessive as described in
their Excessive Trading Policy under paragraph 1 of said Policy.
4. Requests to provide shareholder information shall set forth the specific period for which
transaction information is sought. However, unless otherwise agreed to by the Intermediaries,
any such request will not cover a period of more than 90 consecutive calendar days from the date
of the request.
5. The Intermediaries agree to provide, promptly upon request of the Fund the shareholder
information requested. If requested by the Fund, the Intermediaries agree to use best efforts to
determine promptly whether any specific person about whom they have received shareholder
information is itself a financial intermediary (“indirect intermediary”) and, upon further request
of the Fund, promptly either (i) provide (or arrange to have provided) shareholder information
for those shareholders who hold an account with an indirect intermediary or (ii) restrict or
prohibit the indirect intermediary from purchasing shares, in nominee name on behalf of other
persons, securities issued by a Fund. Responses required by this paragraph must be
communicated in writing and in a format mutually agreed upon by the parties. To the extent
practicable, the format for any Shareholder Information provided to the Fund should be
consistent with the NSCC Standardized Data Reporting Format.
6. The Fund agrees to reimburse the Intermediaries for costs that are reasonable and
necessary, and incurred with complying with extraordinary requests (e.g., transaction
information older than one year).
C. Agreement to Restrict Trading.
1. Each Intermediary agrees to execute written instructions from the Fund to restrict or
prohibit further Covered Transactions involving Fund shares by a shareholder who has been
identified by the Fund as having engaged in transactions in shares of a Fund (through an account
directly maintained by the Intermediary) that violate the policies and procedures established by
the Funds for the purposes of eliminating or reducing frequent trading of Fund shares. Unless
otherwise directed by the Fund, any such restrictions or prohibitions only apply to Covered
Transactions.
2	. a.	For those shareholders whose information is on the Intermediaries’ books and
		records, the Intermediaries agree to execute or have executed the written instructions
		from the Fund or its designee to restrict or prohibit trading as soon as reasonably
		practicable after receipt of the instructions by the Intermediaries. The Intermediaries
		will provide written confirmation to the Fund as soon as reasonably practicable after
		the instructions have been executed.
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b.	For those shareholders whose information is not on the Intermediaries’ books and
	records the Intermediaries agree to execute or have executed the written instructions
	from the Fund to restrict or prohibit trading as soon as reasonably practicable after
	receipt of the instructions by the Intermediaries. The Intermediaries will provide
written confirmation to the Fund as soon as reasonably practicable that such
	instructions have or have not been executed. If an indirect intermediary is unable or
	unwilling to restrict or prohibit trading by a Shareholder, upon the Funds’ written
	request, the Intermediary will restrict or prohibit transactions in Fund Shares by the
	indirect intermediary.
3. Instructions to restrict or prohibit further Covered Transactions involving Fund shares
must include:
a.	The reason for requesting the restriction(s) and/or prohibition(s), supporting details
regarding the transaction activity which resulted in the restriction(s) and/or
	prohibition(s)s and the applicable sections of the Fund’s frequent trading policy and
	procedures that have been violated;
b.	The specific restriction(s) and/or prohibition(s) to be executed, including the length of
	time such restriction(s) and/or prohibition(s) shall remain in place;
c.	The TIN or any other government issued identifier, if known by the Fund, that would
help the Intermediaries determine the identity of affected shareholder(s); and
d.	Whether such restriction(s) and/or prohibition(s) are to be executed in relation to all
	of the affected shareholder’s Variable Products, only the type of Variable Product(s)
	through which the affected shareholder engaged in transaction activity which
	triggered the restriction(s) and/or prohibition(s) or in some other respect. In absence
	of direction from the Fund in this regard, restriction(s) and/or prohibition(s) shall be
	executed as they relate to the Intermediary’s Variable Product(s) through which the
affected shareholder engaged in the transaction activity which triggered the
	restriction(s) and/or prohibition(s).
4. The Fund agrees to reimburse the Intermediaries for reasonable costs they incur directly
resulting from requests by the Fund or its designee to implement non-routine purchase
restrictions such as blocking new money through payroll/ACH deposits.
D. Limitation on Use of Information.
The Fund agrees neither to use the information received from the Intermediary for any purpose
other than to comply with SEC Rule 22c-2 and other applicable laws, rules and regulations, nor
to share the information with anyone other than its employees who legitimately need access to it.
Neither the Fund nor any of its affiliates or subsidiaries may use any information provided
pursuant to this Agreement for marketing or solicitation purposes. The Fund will take such steps
as are reasonably necessary to ensure compliance with this obligation.
The Fund shall indemnify and hold the Intermediaries, individually and collectively, (and any of
their respective directors, officers, employees, or agents) harmless from any damages, loss, cost,
or liability (including reasonable legal fees and the cost of enforcing this indemnity) arising out
of or resulting from any unauthorized use of or disclosure by the Fund of the information
received from the Intermediaries pursuant to this Agreement. In addition, because an award of
money damages (whether pursuant to the foregoing sentence or otherwise) may be inadequate
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for any breach of this provision and any such breach may cause the Intermediaries irreparable
harm, the Fund also agrees that, in the event of any breach or threatened breach of this provision,
the Intermediaries will also be entitled, without the requirement of posting a bond or other
security, to seek equitable relief, including injunctive relief and specific performance. Such
remedies will not be the exclusive remedies for any breach of this provision but will be in
addition to all other remedies available at law or in equity to the Intermediaries.
In the event that the Fund is required by legal process, law, or regulation to disclose any
information received from the Intermediaries pursuant to this Agreement, the Fund shall provide
Intermediaries with prompt written notice of such requirement as far in advance of the proposed
disclosure as possible so that the Intermediaries (at their expense) may either seek a protective
order or other appropriate remedy which is necessary to protect their interests or waive
compliance with this provision to the extent necessary.
E. Prior Agreements.
The parties acknowledge that prior to the effective date of this Agreement efforts to monitor and
deter excessive trading activity within the Variable Products were governed by whatever
practices the Fund and the Intermediaries agreed to follow in the absence of any formal
agreement. The parties also acknowledge having previously entered into fund participation
and/or selling and service agreements concerning the purchase and redemption of shares of
Funds through the Variable Products. The terms of this Agreement supplement the fund
participation and/or selling and service agreements and to the extent the terms of this Agreement
conflict with the terms of the fund participation and/or selling and service agreements, the terms
of this Agreement will control. This Agreement will terminate upon termination of the fund
participation and/or selling and service agreements.
F. Notices.
1. Except as otherwise provided, all notices and other communications hereunder shall be in
writing and shall be sufficient if delivered by hand or if sent by confirmed facsimile or e-mail, or
by mail, postage prepaid, addressed:
a.	If to Intermediaries, to:
	ING U.S. Financial Services
	Attention: Jacqueline Salamon
	Address:	One Orange Way
	Windsor, CT 06095-4774
	Phone:	860-580-2841
	Fax:	860-580-4897
	Email:	Jacqueline.Salamon@us.ing.com
b.	If to the Fund, to:
	Attention: Javier Morales
	Address: USAA Investment Management Company
		9800 Fredericksburg Road
		San Antonio, TX 78288
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	Attention: Operational Integrity (A-01-W)
	Phone:	210.913.8279
	Fax:	210.498.2889
	Email:	javier.morales@usaa.com
2. The parties may by like notice, designate any future or different address to which
subsequent notices shall be sent. Any notice shall be deemed given when received.
IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be executed
in its name and on its behalf by its duly authorized officer as of the date first written above.
ING Life Insurance and Annuity Company			Systematized Benefits Administrators Inc.
By:	/s/ Jacqueline Salamon		By:	/s/ Jacqueline Salamon
Name	Jacqueline Salamon		Name and	Jacqueline Salamon
and Title:	Authorized Representative		Title:	Authorized Representative
ING National Trust			Security Life of Denver Insurance Company
By:	/s/ Jacqueline Salamon		By:	/s/ Jacqueline Salamon
Name	Jacqueline Salamon		Name	Jacqueline Salamon
and Title:	Authorized Representative		and Title:	Authorized Representative
ING USA Annuity and Life Insurance			ReliaStar Life Insurance Company of New
Company			York
By:	/s/ Jacqueline Salamon		By:	/s/ Jacqueline Salamon
Name	Jacqueline Salamon		Name and	Jacqueline Salamon
and Title:	Authorized Representative		Title:	Authorized Representative
ReliaStar Life Insurance Company			USAA Mutual Funds
By:	/s/ Jacqueline Salamon		By:	/s/ Wayne Ezell
Name	Jacqueline Salamon		Name	Wayne Ezell	1/29/11
and Title:	Authorized Representative		and Title:	Exec. Director
				Authorized Signatory
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Schedule A
ING “Excessive Trading” Policy
The ING family of companies (“ING”), as providers of multi-fund variable insurance and retirement
products, has adopted this Excessive Trading Policy to respond to the demands of the various fund
families which make their funds available through our variable insurance and retirement products to
restrict excessive fund trading activity and to ensure compliance with Section 22c-2 of the Investment
Company Act of 1940, as amended. ING’s current definition of Excessive Trading and our policy with
respect to such trading activity is outlined below.
1	.	ING actively monitors fund transfer and reallocation activity within its variable insurance and
		retirement products to identify Excessive Trading.
		ING currently defines Excessive Trading as:
		a.	More than one purchase and sale of the same fund (including money market funds) within a
			60 calendar day period (hereinafter, a purchase and sale of the same fund is referred to as a
			“round-trip”). This means two or more round-trips involving the same fund within a 60
			calendar day period would meet ING’s definition of Excessive Trading; or
		b.	Six round-trips within a twelve month period.
		The following transactions are excluded when determining whether trading activity is excessive:
		a.	Purchases or sales of shares related to non-fund transfers (for example, new purchase
			payments, withdrawals and loans);
		b.	Transfers associated with scheduled dollar cost averaging, scheduled rebalancing or
			scheduled asset allocation programs;
		c.	Purchases and sales of fund shares in the amount of $5,000 or less;
		d.	Purchases and sales of funds that affirmatively permit short-term trading in their fund shares,
			and movement between such funds and a money market fund; and
		e.	Transactions initiated by a member of the ING family of insurance companies.
2	.	If ING determines that an individual has made a purchase of a fund within 60 days of a prior round-
		trip involving the same fund, ING will send them a letter warning that another sale of that same fund
		within 60 days of the beginning of the prior round-trip will be deemed to be Excessive Trading and
		result in a six month suspension of their ability to initiate fund transfers or reallocations through the
		Internet, facsimile, Voice Response Unit (VRU), telephone calls to the ING Customer Service
		Center, or other electronic trading medium that ING may make available from time to time
		(“Electronic Trading Privileges”). Likewise, if ING determines that an individual has made five
		round-trips within a twelve month period, ING will send them a letter warning that another purchase
		and sale of that same fund within twelve months of the initial purchase in the first round-trip in the
		prior twelve month period will be deemed to be Excessive Trading and result in a six month
		suspension of their Electronic Trading Privileges. According to the needs of the various business
		units, a copy of the warning letters may also be sent, as applicable, to the person(s) or entity
		authorized to initiate fund transfers or reallocations, the agent/registered representative or investment
		adviser for that individual. A copy of the warning letters and details of the individual’s trading
		activity may also be sent to the fund whose shares were involved in the trading activity.
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3	.	If ING determines that an individual has used one or more of its products to engage in Excessive
		Trading, ING will send a second letter to the individual. This letter will state that the individual’s
		Electronic Trading Privileges have been suspended for a period of six months. Consequently, all
		fund transfers or reallocations, not just those which involve the fund whose shares were involved in
		the Excessive Trading activity, will then have to be initiated by providing written instructions to ING
		via regular U.S. mail. During the six month suspension period, electronic “inquiry only” privileges
		will be permitted where and when possible. A copy of the letter restricting future transfer and
		reallocation activity to regular U.S. mail and details of the individual’s trading activity may also be
		sent to the fund whose shares were involved in the Excessive Trading activity.
4	.	Following the six month suspension period during which no additional Excessive Trading is
		identified, Electronic Trading Privileges may again be restored. ING will continue to monitor the
		fund transfer and reallocation activity, and any future Excessive Trading will result in an indefinite
		suspension of the Electronic Trading Privileges. Excessive Trading activity during the six month
		suspension period will also result in an indefinite suspension of the Electronic Trading Privileges.
5	.	ING reserves the right to limit fund trading or reallocation privileges with respect to any individual,
		with or without prior notice, if ING determines that the individual’s trading activity is disruptive,
		regardless of whether the individual’s trading activity falls within the definition of Excessive
		Trading set forth above. Also, ING’s failure to send or an individual’s failure to receive any
		warning letter or other notice contemplated under this Policy will not prevent ING from suspending
		that individual’s Electronic Trading Privileges or taking any other action provided for in this Policy.
6	.	Each fund available through ING’s variable insurance and retirement products, either by prospectus
		or stated policy, has adopted or may adopt its own excessive/frequent trading policy. ING reserves
		the right, without prior notice, to implement restrictions and/or block future purchases of a fund by
		an individual who the fund has identified as violating its excessive/frequent trading policy. All such
		restrictions and/or blocking of future fund purchases will be done in accordance with the directions
		ING receives from the fund.
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