Exhibit 24(b)(8.6)
THIRD AMENDMENT
TO FUND PARTICIPATION AGREEMENT
	THIS THIRD AMENDMENT dated as of February 1, 2013, by and between
AllianceBernstein Investments, Inc. (the “Distributor”) and ING Life Insurance and Annuity
Company (“ING Life”), and ING Financial Advisers, LLC (“ING Financial”) (collectively,
“ING”), is made to the Fund Participation Agreement dated as of October 26, 2000. Terms
defined in the Agreement are used herein as therein defined.
	WHEREAS, the parties desire to amend that Agreement to make the AllianceBernstein
Exchange Reserves Fund available to clients of ING.
	NOW, THEREFORE, in consideration of the mutual benefits and promises contained
herein, the parties hereby amend the Agreement as follows:
	Schedule B to the Agreement — List of Available Funds and Fee Schedule — is deleted
	in its entirety and replaced with the Schedule B attached hereto.
	Except as provided herein, the terms and conditions contained in the Agreement, shall
remain in full force and effect.
	IN WITNESS WHEREOF, the parties hereto have caused this amendment to be
executed in their names and on their behalf by and through their duly authorized officers as of
the day and year set forth above.
ING LIFE INSURANCE AND		ALLIANCEBERNSTEIN
ANNUITY COMPANY		INVESTMENTS, INC.
By:	/s/ Michelle Sheiowitz	By:	/s/ Daniel A. Notto
Name: Michelle Sheiowitz		Name: Daniel A. Notto
Title: Vice President		Title: Assistant Secretary
ING FINANCIAL ADVISERS, LLC
By:	/s/ David Kelsey
Name: David Kelsey
Title: Vice President
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Schedule B

List of Available Funds

All Class A shares of AllianceBernstein Funds, including the AllianceBernstein Exchange Reserves Fund

All Class R shares of AllianceBernstein Funds, including the AllianceBernstein Exchange Reserves Fund

All Class K shares of AllianceBernstein Funds, including the AllianceBernstein Exchange Reserves Fund

All Class I shares of AllianceBernstein Funds, including the AllianceBernstein Exchange Reserves Fund

Fee Schedule

As compensation for the services ING renders under the Agreement, Distributor will pay a fee to

ING equal to on an annual basis the rate set forth below multiplied by the average daily value of

the assets in ING accounts in the Funds.

Share Class	A	R	K	I
12b-1 Fees	___%	___%	___%	___%
Service	___%	___%	___%	___%
Fees*
Total Fees	___%	___%	___%	___%

* No Service Fees shall be payable under the Agreement with respect to the AllianceBernstein

Exchange Reserves Fund.

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