Exhibit 24(b)(8.81)
Fourth Amendment to the Selling and Services Agreement and Fund Participation
Agreement
This Fourth Amendment dated as of February 1, 2013 is made by and between ING
Life Insurance and Annuity Company (“ING Life”), ING Institutional Plan Services, LLC
(“ING Institutional”), ING Financial Advisers, LLC (“ING Financial”) (collectively
“ING”), NYLIFE Distributors LLC (“NYLIFE Distributors”), and NYLIM Service
Company LLC (“NSC”)(NYLIFE Distributors and NSC are collectively referred to herein
as “Fund Service Provider”) ”), is made to the Selling and Services Agreement and Fund
Participation Agreement dated as of November 8, 2007 (the “Agreement”), as amended on
September 30, 2008, April 24, 2009 and November 16, 2009. Terms defined in the Agreement are
used herein as therein defined.
.
W I T N E S S E T H:
WHEREAS, ING and Fund Service Provider are parties to that certain Selling
and Services Agreement and Fund Participation Agreement, which was effective as of
November 8, 2007, and any Amendments thereto (the “Agreement”); and
WHEREAS, ING and Fund Service Provider wish to update the schedule of
Funds serviced under the Agreement (“Schedule C”);
NOW, THEREFORE, in consideration of the premises and mutual covenants
herein contained, and intending to be legally bound hereby, the parties hereto agree as
follows:
1. Schedule C of the Agreement is hereby deleted in its entirety and replaced
with the attached.
Except as provided herein, the terms and conditions contained in the Agreement
shall remain in full force and effect.
*	*	*
1

	IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed by their duly authorized officers effective as of the date first above written.
ING Life Insurance and Annuity		NYLIM Service Company LLC
Company
By:	/s/Lisa Gilarde	By:	/s/ Brian D. Wickwire
Name: Lisa Gilarde		Name: Brian D. Wickwire
Title:	Vice President	Title: President
ING Financial Advisers, LLC		NYLIFE Distributors LLC
By:	/s/David Kelsey	By:	/s/Stephen P. Fisher
Name: David Kelsey		Name: Stephen P. Fisher
Title:	Vice President	Title: President
ING Institutional Plan Services, LLC
By:	/s/Lisa Gilarde
Name: Lisa Gilarde
Title:	Vice President
2

	Schedule C
MainStay Funds Investor Class Shares
Service Organization’s compensation shall be an annual sub-transfer agency fee of
____% of the average daily net assets held in the account, calculated and payable
quarterly for the funds listed below:
Fund Name	TICKER
MainStay 130/30 Core Fund	MYCNX
MainStay Balanced Fund	MBINX
MainStay Cornerstone Growth Fund (Expected
Launch Date on or about 1/11/13)	KLGNX
MainStay Epoch Global Choice Fund	EPAIX
MainStay Epoch Global Equity Yield Fund	EPSIX
MainStay Epoch International Small Cap Fund	EPIIX
MainStay Epoch U.S. All Cap Fund	MAWNX
MainStay Epoch U.S. Equity Yield Fund	EPLIX
MainStay Growth Equity Fund	MRINX
MainStay High Yield Corp. Bond Fund	MHHIX
MainStay ICAP Equity Fund	ICANX
MainStay ICAP Global	ICGNX
MainStay ICAP International Fund	ICELX
MainStay ICAP Select Equity Fund	ICSOX
MainStay International Equity Fund	MINNX
MainStay Large Cap Growth Fund	MLINX
MainStay Map Fund	MSMIX
MainStay Marketfield Fund	MFNDX
MainStay U.S. Small Cap Fund	MOINX
Service Organization’s compensation shall be an annual sub-transfer agency fee of
____% of the average daily net assets held in the account, calculated and payable
quarterly for the funds listed below:
Fund Name	TICKER
MainStay Common Stock Fund	MCSSX
MainStay Conservative Allocation Fund	MCKNX
MainStay Convertible Fund	MCINX
MainStay Flexible Bond Opportunities	MSYDX
MainStay Floating Rate Fund	MXFNX
MainStay Global High Inc Fund	MGHHX
MainStay Government Fund	MGVNX
MainStay Growth Allocation Fund	MGXNX
MainStay Income Builder Fund	MTINX
MainStay Indexed Bond Fund	MIXNX
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MainStay Intermediate Bond Fund	MTMNX
MainStay Moderate Allocation Fund	MMRDX
MainStay Moderate Growth Allocation Fund	MGDNX
MainStay Retirement 2010 Fund	MYRDX
MainStay Retirement 2020 Fund	MYRYX
MainStay Retirement 2030 Fund	MRTFX
MainStay Retirement 2040 Fund	MSRUX
MainStay Retirement 2050 Fund	MSRVX
MainStay S&P 500 Index Fund	MYSPX
MainStay Short Term Bond Fund	MYTBX
MainStay Tax Free Bond Fund	MKINX
MainStay Funds Class A Shares
(For those existing Plans whose Fund Schedules included Class A Shares prior to
September 30, 2008.)
Service Organization’s compensation shall be an annual sub-transfer agency fee of
____% of the average daily net assets held in the account, calculated and payable
quarterly for the funds listed below:
Fund Name	TICKER
MainStay 130/30 Core Fund	MYCTX
MainStay Balanced Fund	MBNAX
MainStay Cornerstone Growth Fund (Expected
Launch Date on or about 1/11/13)	KLGAX
MainStay Epoch Global Choice Fund	EPAPX
MainStay Epoch Global Equity Yield Fund	EPSPX
MainStay Epoch International Small Cap Fund	EPIPX
MainStay Epoch U.S. All Cap Fund	MAAAX
MainStay Epoch U.S. Equity Yield Fund	EPLPX
MainStay Growth Equity Fund	MREAX
MainStay High Yield Corporate Bond Fund	MHCAX
MainStay ICAP Equity Fund	ICAUX
MainStay ICAP Global	ICGLX
MainStay ICAP International Fund	ICEVX
MainStay ICAP Select Equity	ICSRX
MainStay International Equity Fund	MSEAX
MainStay Large Cap Growth Fund	MLAAX
MainStay MAP Fund	MAPAX
MainStay Marketfield Fund	MFADX
MainStay U.S. Small Cap Fund	MOPAX
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Service Organization’s compensation shall be an annual sub-transfer agency fee of
____% of the average daily net assets held in the account, calculated and payable
quarterly for the funds listed below:
Fund Name	TICKER
MainStay Common Stock Fund	MSOAX
MainStay Conservative Allocation	MCKAX
MainStay Convertible Fund	MCOAX
MainStay Flexible Bond Opportunities	MASAX
MainStay Floating Rate Fund	MXFAX
MainStay Global High Income Fund	MGHAX
MainStay Government Fund	MGVAX
MainStay Growth Allocation	MGXAX
MainStay Income Builder Fund	MTRAX
MainStay Indexed Bond Fund	MIXAX
MainStay Intermediate Term Bond Fund	MTMAX
MainStay Moderate Allocation	MMRAX
MainStay Moderate Growth Allocation	MGDAX
MainStay Retirement 2010 Fund	MYRAX
MainStay Retirement 2020 Fund	MYROX
MainStay Retirement 2030 Fund	MRTTX
MainStay Retirement 2040 Fund	MSRTX
MainStay Retirement 2050 Fund	MSRLX
MainStay S&P 500 Index Fund	MSXAX
MainStay Short Term Bond Fund	MSTAX
MainStay Tax Free Bond Fund	MTBAX
Service Organization’s compensation shall be an annual sub-transfer agency fee of
0.00% of the average daily net assets held in the account, calculated and payable
quarterly for the funds listed below:
Fund Name	TICKER
MainStay Money Market Fund	MMAAX
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MainStay Funds Class I Shares
Service Organization’s compensation shall be an annual sub-transfer agency fee of
____% of the average daily net assets held in the account, calculated and payable
quarterly for the funds listed below:
Fund Name	TICKER
MainStay 130/30 Core Fund	MYCIX
MainStay Balanced Fund	MBAIX
MainStay Cornerstone Growth Fund (Expected
Launch Date on or about 1/11/13)	KLGIX
MainStay Epoch Global Choice Fund	EPACX
MainStay Epoch Global Equity Yield Fund	EPSYX
MainStay Epoch International Small Cap Fund	EPIEX
MainStay Epoch U.S. All Cap Fund	MATIX
MainStay Epoch U.S. Equity Yield Fund	EPLCX
MainStay Growth Equity Fund	MRIEX
MainStay High Yield Corporate Bond Fund	MHYIX
MainStay ICAP Equity Fund	ICAEX
MainStay ICAP Global	ICGRX
MainStay ICAP International Fund	ICEUX
MainStay ICAP Select Equity Fund	ICSLX
MainStay International Equity Fund	MSIIX
MainStay Large Cap Growth Fund	MLAIX
MainStay MAP Fund	MUBFX
MainStay Marketfield Fund	MFLDX
MainStay U.S. Small Cap Fund	MOPIX
Service Organization’s compensation shall be an annual sub-transfer agency fee of
____% of the average daily net assets held in the account, calculated and payable
quarterly for the funds listed below:
Fund Name	TICKER
MainStay Common Stock Fund	MSOIX
MainStay Conservative Allocation	MCKIX
MainStay Flexible Bond Opportunities	MSDIX
MainStay Floating Rate Fund	MXFIX
MainStay Government Fund	MGOIX
MainStay Growth Allocation	MGXIX
MainStay Income Builder Fund	MTOIX
MainStay Indexed Bond Fund	MIXIX
MainStay Intermediate Term Bond Fund	MTMIX
MainStay Moderate Allocation	MMRIX
MainStay Moderate Growth Allocation	MGDIX
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MainStay Retirement 2010 Fund	MYRIX
MainStay Retirement 2020 Fund	MYRTX
MainStay Retirement 2030 Fund	MRTIX
MainStay Retirement 2040 Fund	MSRYX
MainStay Retirement 2050 Fund	MSRMX
MainStay S&P 500 Index Fund	MSPIX
MainStay Short Term Bond Fund	MSTIX
MainStay Funds Class R1 Shares
Service Organization’s compensation shall be a combination of an annual shareholder
service fee of ____% and a sub-transfer agency fee of ____% of the average daily net
assets held in the account, calculated and payable quarterly for the funds listed below:
Fund Name	TICKER
MainStay Balanced Fund	MBNRX
MainStay High Yield Corporate Bond Fund	MHHRX
MainStay ICAP Equity Fund	ICAWX
MainStay ICAP International Fund	ICETX
MainStay ICAP Select Equity Fund	ICSWX
MainStay Intermediate Term Bond Fund	MTMRX
MainStay International Equity	MIERX
MainStay Large Cap Growth Fund	MLRRX
MainStay MAP Fund	MAPRX
MainStay Retirement 2010 Fund	MYRRX
MainStay Retirement 2020 Fund	MYRUX
MainStay Retirement 2030 Fund	MRTOX
MainStay Retirement 2040 Fund	MSREX
MainStay Retirement 2050 Fund	MSROX
MainStay U.S. Small Cap Fund	MOPRX
MainStay Funds Class R2 Shares
Service Organization’s compensation shall be a combination of an annual shareholder
service fee of ____% and a sub-transfer agency fee of ____% of the average daily net
assets held in the account, calculated and payable quarterly for the funds listed below
Fund Name	TICKER
MainStay Balanced Fund	MBCRX
MainStay Common Stock Fund	MSORX
MainStay Cornerstone Growth Fund (Expected
Launch Date on or about 1/11/13)	KLGRX
MainStay High Yield Corporate Bond Fund	MHYRX
MainStay ICAP Equity Fund	ICAYX
MainStay ICAP International Fund	ICEYX
7

MainStay ICAP Select Equity Fund	ICSYX
MainStay Intermediate Term Bond Fund	MTRTX
MainStay International Equity	MIRRX
MainStay Large Cap Growth Fund	MLRTX
MainStay MAP Fund	MPRRX
MainStay Marketfield Fund	MFRDX
MainStay Retirement 2010 Fund	MYRWX
MainStay Retirement 2020 Fund	MYRVX
MainStay Retirement 2030 Fund	MRTUX
MainStay Retirement 2040 Fund	MSRQX
MainStay Retirement 2050 Fund	MSRPX
MainStay U.S. Small Cap Fund	MOTRX
MainStay Funds Class R3 Shares
Service Organization’s compensation shall be a combination of an annual shareholder
service fee of ____% and a sub-transfer agency fee of ____% of the average daily net
assets held in the account, calculated and payable quarterly for the funds listed below:
Fund Name	TICKER
MainStay Balanced Fund	MBDRX
MainStay ICAP Equity Fund	ICAZX
MainStay ICAP International Fund	ICEZX
MainStay ICAP Select Equity Fund	ICSZX
MainStay International Equity	MIFRX
MainStay Large Cap Growth Fund	MLGRX
MainStay MAP Fund	MMAPX
MainStay Retirement 2010 Fund	MYREX
MainStay Retirement 2020 Fund	MYRZX
MainStay Retirement 2030 Fund	MRTVX
MainStay Retirement 2040 Fund	MSRZX
MainStay Retirement 2050 Fund	MSRWX
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