Exhibit 10.1

[EXECUTION COPY]

SECOND AMENDMENT TO

THE SECOND AMENDED AND RESTATED REVOLVING CREDIT AGREEMENT

This SECOND AMENDMENT TO THE SECOND AMENDED AND RESTATED REVOLVING CREDIT
AGREEMENT (this “Amendment”) is entered into as of January 24, 2018 (the
“Amendment Effective Date”), among VOYA FINANCIAL, INC., a Delaware corporation
(formerly known as ING U.S., Inc., which itself was formerly known as ING
America Insurance Holdings, Inc.) (the “Borrower”), each lender party hereto
(collectively, the “Lenders” and individually, a “Lender”), and BANK OF AMERICA,
N.A., as Administrative Agent, Swing Line Lender, a Fronting L/C Issuer and
Several L/C Agent.

R E C I T A L S

A. Reference is made to the Second Amended and Restated Revolving Credit
Agreement by and among the Borrower, the Lenders from time to time party
thereto, and Bank of America, N.A., as Administrative Agent, Swing Line Lender,
a Fronting L/C Issuer and Several L/C Agent, dated as of May 6, 2016, (as
amended by that certain Amendment to the Second Amended and Restated Revolving
Credit Agreement, dated as of March 30, 2017, and as further amended, restated,
amended and restated or otherwise modified from time to time, the “Credit
Agreement”). Unless otherwise indicated herein, all capitalized terms used
herein shall have the meanings set forth in the Credit Agreement.

B. The Borrower has notified the Administrative Agent and the Lenders that it
has entered into that certain Master Transaction Agreement, dated as of
December 20, 2017 (the “Transaction Agreement”), by and among Borrower, the
Reinsurer Parent (as defined in the Transaction Agreement) and the Buyer Parent
(as defined in the Transaction Agreement), pursuant to which the Borrower
intends to sell Voya Insurance and Annuity Company and certain other of the
Borrower’s closed block variable annuity and fixed and fixed-index annuity
businesses to the Buyer (as defined in the Transaction Agreement) (the “Sale
Transaction”).

C. In connection with the Sale Transaction, the Borrower has requested that the
Lenders and the Administrative Agent amend certain provisions of the Credit
Agreement as of the date hereof, subject to the terms and conditions set forth
in this Amendment.

In consideration of the foregoing and the mutual covenants contained herein, the
Borrower, the Lenders and the Administrative Agent agree and acknowledge as
follows:

1. Amendment to Credit Agreement.

(a) Section 1.01 of the Credit Agreement is hereby amended by inserting the
following new defined terms in the appropriate alphabetical order:

“Benefit Plan” means any of (a) an “employee benefit plan” (as defined in ERISA)
that is subject to Title I of ERISA, (b) a “plan” as defined in Section 4975 of
the Code or (c) any Person whose assets include (for purposes of ERISA
Section 3(42) or otherwise for purposes of Title I of ERISA or Section 4975 of
the Code) the assets of any such “employee benefit plan” or “plan”.

“Master Transaction Agreement” means that certain Master Transaction Agreement,
dated as of December 20, 2017, by and among Borrower, the Buyer

 

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Parent (as defined in the Master Transaction Agreement) and Reinsurer Parent (as
defined in the Master Transaction Agreement), as the same may be amended,
restated, amended and restated or otherwise modified from time to time.

“PTE” means a prohibited transaction class exemption issued by the U.S.
Department of Labor, as any such exemption may be amended from time to time.

“Sale Transaction” means the sale of Voya Insurance and Annuity Company and
certain other of the Borrower’s closed block variable annuity and fixed and
fixed-indexed annuity businesses as described in and pursuant to the Master
Transaction Agreement.

“Second Amendment” means that certain Second Amendment to the Second Amended and
Restated Revolving Credit Agreement, dated as of the Second Amendment Effective
Date, by and among the Borrower, the Lenders party thereto, and the
Administrative Agent.

“Second Amendment Effective Date” means January 24, 2018.

(b) Section 7.06 of the Credit Agreement is hereby amended by amending and
restating clause (a) in its entirety as follows:

“(a) Net Worth. Commencing on December 31, 2017, permit Net Worth, measured as
of the last day of any fiscal quarter, to be less than the sum of (i) the
greater of (a) $6,000,000,000 and (b) an amount equal to 75% of Net Worth as
reported on the financial statements delivered pursuant to Section 6.01(a) for
the fiscal year ended December 31, 2017, that are attached to the Compliance
Certificate delivered pursuant to Section 6.02(a) for the fiscal year ended
December 31, 2017, plus (ii) an amount equal to 50% of any increase in Net Worth
of the Borrower and its Subsidiaries after December 31, 2017 by reason of the
issuance of common stock or other ownership interests of the Borrower or any of
its Subsidiaries, plus (iii) in the event that either (A) the Sale Transaction
is not consummated by December 31, 2018 or (B) the Master Transaction Agreement
is terminated in writing prior to the consummation of the Sale Transaction for
any reason and Net Worth increases as a result of either subclause (A) or (B),
75% of such resulting increase in Net Worth.”

(c) Section 5.10 of the Credit Agreement is hereby amended by inserting new
clauses (d) through (f) immediately after clause (c) of such Section as follows:

“(d) The Borrower represents and warrants, as of the Second Amendment Effective
Date and throughout the term of this Agreement, at least one of the following is
and will be true with respect to the Borrower:

(i) the Borrower is not using “plan assets” (within the meaning of 29 CFR §
2510.3-101, as modified by Section 3(42) of ERISA) of one or more Benefit Plans
in connection with the Loans, the Letters of Credit or the Commitments;

 

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(ii) the transaction exemption set forth in one or more PTEs, such as PTE 84-14
(a class exemption for certain transactions determined by independent qualified
professional asset managers), PTE 95-60 (a class exemption for certain
transactions involving insurance company general accounts), PTE 90-1 (a class
exemption for certain transactions involving insurance company pooled separate
accounts), PTE 91-38 (a class exemption for certain transactions involving bank
collective investment funds) or PTE 96-23 (a class exemption for certain
transactions determined by in-house asset managers), is applicable with respect
to the Borrower’s entering into the Second Amendment and performance of this
Agreement as amended by the Second Amendment, the other Loan Documents, the
Loans, the Letters of Credit or the Commitments and each action or obligation
hereunder and thereunder; or

(iii) (A) the Borrower is an investment fund managed by a “Qualified
Professional Asset Manager” (within the meaning of Part VI of PTE 84-14), (B)
such Qualified Professional Asset Manager made the investment decision on behalf
of such Borrower to enter into the Second Amendment and perform this Agreement
as amended by the Second Amendment, the other Loan Documents, the Loans, the
Letters of Credit or the Commitments and each action or obligation hereunder and
thereunder, (C) the entering into the Second Amendment and performance of this
Agreement as amended by the Second Amendment, the other Loan Documents, the
Loans, the Letters of Credit or the Commitments and each action or obligation
hereunder and thereunder, each satisfies the requirements of sub-sections
(b) through (g) of Part I of PTE 84-14 and (D) to the best knowledge of the
Borrower, the requirements of subsection (a) of Part I of PTE 84-14 are
satisfied with respect to the Borrower’s entering into the Second Amendment and
performance of this Agreement as amended by the Second Amendment, the other Loan
Documents, the Loans, the Letters of Credit or the Commitments and each action
or obligation hereunder and thereunder; or

(iv) such other representation, warranty and covenant as may be agreed in
writing between the Administrative Agent, in its sole discretion, and the
Borrower.

(e) In addition, unless sub-clause (i) in the immediately preceding clause
(d) is true with respect to the Borrower or the Borrower has not provided
another representation, warranty and covenant as described in sub-clause (iv) in
the immediately preceding clause (d), the Borrower further represents and
warrants, as of the date hereof and throughout the term of this Agreement, that:

(i) none of the Administrative Agent, any Lender, any Arranger, or any Affiliate
of the foregoing is a fiduciary with respect to the assets of the Borrower
(including in connection with the reservation or exercise of any rights by the
Administrative Agent under this Agreement, any Loan Document or any documents
related to hereto or thereto);

 

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(ii) the Person making the investment decision on behalf of the Borrower with
respect to the entrance into the Second Amendment and performance of this
Agreement as amended by the Second Amendment, the other Loan Documents, the
Loans, the Letters of Credit or the Commitments and each action or obligation
hereunder and thereunder is independent (within the meaning of 29 CFR §
2510.3-21) and is a bank, an insurance carrier, an investment adviser, a
broker-dealer or other person that holds, or has under management or control,
total assets of at least $50 million, in each case as described in 29 CFR §
2510.3-21(c)(1)(i)(A)-(E);

(iii) the Person making the investment decision on behalf of the Borrower with
respect to the entrance into the Second Amendment and performance of this
Agreement as amended by the Second Amendment, the other Loan Documents, the
Loans, the Letters of Credit or the Commitments and each action or obligation
hereunder and thereunder is capable of evaluating investment risks
independently, both in general and with regard to particular transactions and
investment strategies (including in respect of the Obligations);

(iv) the Person making the investment decision on behalf of the Borrower with
respect to the entrance into the Second Amendment and performance of this
Agreement as amended by the Second Amendment, any documents related to this
Agreement, the other Loan Documents, the Loans, the Letters of Credit or the
Commitments and each action or obligation hereunder and thereunder is a
fiduciary under ERISA or the Code, or both, with respect to this Agreement, the
other Loan Documents, the Loans, the Letters of Credit or the Commitments and
each action or obligation hereunder and thereunder; and

(v) no fee or other compensation is being paid directly to the to the
Administrative Agent, any Arranger, or any Lender or any Affiliates of the
foregoing for investment advice (as opposed to other services) in connection
with the transactions contemplated hereby or by any Loan Document.

(f) The Administrative Agent, each Arranger, and each Lender hereby informs the
Borrower that such Person is not undertaking to provide impartial investment
advice, or to give advice in a fiduciary capacity, in connection with the
transactions contemplated hereby, and that such Person or an Affiliate has a
financial interest in the transactions contemplated hereby in that such Person
or an Affiliate thereof (i) may receive interest or other payments with respect
to the Loans, the Letters of Credit or the Commitments, (ii) may recognize a
gain if it purchased the Loans, the Letters of Credit or the Commitments for an
amount less than the par amount thereof or sells the Loans, the Letters of
Credit or the Commitments for an amount in excess of what it paid therefor or
extended to the Borrower hereunder and/or (iii) may receive fees or other
payments in connection with the transactions contemplated hereby, the Loan
Documents or otherwise, including structuring fees, commitment fees, arrangement
fees, facility fees, upfront fees, underwriting fees, ticking fees, agency fees,
administrative agent or collateral agent fees, utilization fees, minimum usage
fees, letter of credit fees,

 

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fronting fees, deal-away or alternate transaction fees, amendment fees,
processing fees, term out premiums, banker’s acceptance fees, breakage or other
early termination fees or fees similar to the foregoing.”

(d) Article 10 of the Credit Agreement is hereby amended by inserting a new
Section 10.23 immediately after Section 10.22 as follows:

“10.23 Lender ERISA Representations.

(a) Each Lender (x) represents and warrants, as of the date such Person became a
Lender party hereto, to, and (y) covenants, from the date such Person became a
Lender party hereto to the date such Person ceases being a Lender party hereto,
for the benefit of, the Administrative Agent, the Arrangers, and their
respective Affiliates, and not, for the avoidance of doubt, to or for the
benefit of the Borrower or Guarantor, that at least one of the following is and
will be true:

(i) such Lender is not using “plan assets” (within the meaning of 29 CFR §
2510.3-101, as modified by Section 3(42) of ERISA) of one or more Benefit Plans
in connection with the Loans, the Letters of Credit or the Commitments;

(ii) the transaction exemption set forth in one or more PTEs, such as PTE 84-14
(a class exemption for certain transactions determined by independent qualified
professional asset managers), PTE 95-60 (a class exemption for certain
transactions involving insurance company general accounts), PTE 90-1 (a class
exemption for certain transactions involving insurance company pooled separate
accounts), PTE 91-38 (a class exemption for certain transactions involving bank
collective investment funds) or PTE 96-23 (a class exemption for certain
transactions determined by in-house asset managers), is applicable with respect
to such Lender’s entrance into, participation in, administration of and
performance of the Loans, the Letters of Credit, the Commitments and this
Agreement;

(iii) (A) such Lender is an investment fund managed by a “Qualified Professional
Asset Manager” (within the meaning of Part VI of PTE 84-14), (B) such Qualified
Professional Asset Manager made the investment decision on behalf of such Lender
to enter into, participate in, administer and perform the Loans, the Letters of
Credit, the Commitments and this Agreement, (C) the entrance into, participation
in, administration of and performance of the Loans, the Letters of Credit, the
Commitments and this Agreement satisfies the requirements of sub-sections
(b) through (g) of Part I of PTE 84-14 and (D) to the best knowledge of such
Lender, the requirements of subsection (a) of Part I of PTE 84-14 are satisfied
with respect to such Lender’s entrance into, participation in, administration of
and performance of the Loans, the Letters of Credit, the Commitments and this
Agreement; or

 

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(iv) such other representation, warranty and covenant as may be agreed in
writing between the Administrative Agent, in its sole discretion, and such
Lender.

(b) In addition, unless sub-clause (i) in the immediately preceding clause
(a) is true with respect to a Lender or such Lender has not provided another
representation, warranty and covenant as provided in sub-clause (iv) in the
immediately preceding clause (a), such Lender further (x) represents and
warrants, as of the date such Person became a Lender party hereto, to, and
(y) covenants, from the date such Person became a Lender party hereto to the
date such Person ceases being a Lender party hereto, for the benefit of, the
Administrative Agent, the Arrangers, and their respective Affiliates, and not,
for the avoidance of doubt, to or for the benefit of the Borrower or Guarantor,
that:

(i) none of the Administrative Agent, the Arrangers, or any of their respective
Affiliates is a fiduciary with respect to the assets of such Lender (including
in connection with the reservation or exercise of any rights by the
Administrative Agent under this Agreement, any Loan Document or any documents
related to hereto or thereto);

(ii) the Person making the investment decision on behalf of such Lender with
respect to the entrance into, participation in, administration of and
performance of the Loans, the Letters of Credit, the Commitments and this
Agreement is independent (within the meaning of 29 CFR § 2510.3-21) and is a
bank, an insurance carrier, an investment adviser, a broker-dealer or other
person that holds, or has under management or control, total assets of at least
$50 million, in each case as described in 29 CFR § 2510.3-21(c)(1)(i)(A)-(E);

(iii) the Person making the investment decision on behalf of such Lender with
respect to the entrance into, participation in, administration of and
performance of the Loans, the Letters of Credit, the Commitments and this
Agreement is capable of evaluating investment risks independently, both in
general and with regard to particular transactions and investment strategies
(including in respect of the Obligations);

(iv) the Person making the investment decision on behalf of such Lender with
respect to the entrance into, participation in, administration of and
performance of the Loans, the Letters of Credit, the Commitments and this
Agreement is a fiduciary under ERISA or the Code, or both, with respect to the
Loans, the Letters of Credit, the Commitments and this Agreement and is
responsible for exercising independent judgment in evaluating the transactions
hereunder; and

(v) no fee or other compensation is being paid directly to the Administrative
Agent, the Arrangers, or any their respective Affiliates for investment advice
(as opposed to other services) in connection with the Loans, the Letters of
Credit, the Commitments or this Agreement.

 

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(c) The Administrative Agent and the Arrangers hereby inform the Lenders that
each such Person is not undertaking to provide impartial investment advice, or
to give advice in a fiduciary capacity, in connection with the transactions
contemplated hereby, and that such Person has a financial interest in the
transactions contemplated hereby in that such Person or an Affiliate thereof
(i) may receive interest or other payments with respect to the Loans, the
Letters of Credit, the Commitments and this Agreement, (ii) may recognize a gain
if it extended the Loans, the Letters of Credit or the Commitments for an amount
less than the amount being paid for an interest in the Loans, the Letters of
Credit or the Commitments by such Lender or (iii) may receive fees or other
payments in connection with the transactions contemplated hereby, the Loan
Documents or otherwise, including structuring fees, commitment fees, arrangement
fees, facility fees, upfront fees, underwriting fees, ticking fees, agency fees,
administrative agent or collateral agent fees, utilization fees, minimum usage
fees, letter of credit fees, fronting fees, deal-away or alternate transaction
fees, amendment fees, processing fees, term out premiums, banker’s acceptance
fees, breakage or other early termination fees or fees similar to the foregoing.

2. Representations. As a material inducement to the Lenders and the
Administrative Agent to execute and deliver this Amendment, the Borrower
represents and warrants to the Lenders and the Administrative Agent that on and
as of the date hereof:

(a) Borrower has all requisite corporate authority and power to execute,
deliver, and perform its obligations under this Amendment, which execution,
delivery, and performance (i) have been duly authorized by all necessary
corporate action, (ii) require no approvals from any Governmental Authority that
have not been obtained and are not in full force and effect, (iii) do not
violate its certificate of incorporation or its bylaws, and (iv) do not violate
any Law the effect of which would be both material and adverse to the Lenders;

(b) upon its execution and delivery by the Borrower, the Administrative Agent,
and the Required Lenders, this Amendment and the Credit Agreement as amended
hereby will constitute the legal and binding obligation of the Borrower,
enforceable against the Borrower in accordance with this Amendment’s terms,
except as that enforceability may be limited by general principles of equity or
by bankruptcy or insolvency laws or similar laws affecting creditors’ rights
generally;

(c) after giving effect to this Amendment, no Default or Event of Default has
occurred and is continuing; and

(d) the representations and warranties of the Borrower set forth in the Credit
Agreement are true and correct in all material respects (except that those
representations and warranties which are qualified by materiality or Material
Adverse Effect are true and correct in all respects) as of the date hereof,
except to the extent that such representations and warranties specifically refer
to an earlier date, in which case they are true and correct in all material
respects (except that those representations and warranties which are qualified
by materiality or Material Adverse Effect are true and correct in all respects)
as of such earlier date, and except that the representations and warranties
contained in subsection (a) of Section 5.05 of the Credit Agreement are deemed
to refer to the most recent statements furnished pursuant to clauses (a) and
(b), respectively, of Section 6.01 of the Credit Agreement.

 

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3. Conditions Precedent to Effectiveness of Amendment. This Amendment shall
become effective upon execution hereof by the Borrower, the Required Lenders and
the Administrative Agent.

4. Fees. The Borrower will pay to the Administrative Agent, for the account of
each Lender (including Bank of America) who executes this Amendment by 12:00
p.m. (Eastern time) on January 24, 2018 a fee in the amount of $5,000 for each
such Lender. The aggregate amount of this fee shall be due and payable on the
Amendment Effective Date

5. Reduction of Commitments. Immediately following the consummation of the Sale
Transaction, the Aggregate Commitments shall be permanently reduced to an amount
not greater than $1,250,000,000 in accordance with Section 2.06 of the Credit
Agreement, provided that, notwithstanding anything to the contrary in
Section 2.05 or Section 2.06 of the Credit Agreement, the parties hereto agree
that any notice of reduction of Aggregate Commitments delivered pursuant to this
Amendment (and any notice of prepayment of Eurodollar Rate Loans delivered in
connection with such reduction of Aggregate Commitments) (x) may be delivered by
11:00 a.m., New York time, one Business Day before the date of such proposed
reduction (and such prepayment, if any) and (y) may be made conditional on the
consummation of the Sale Transaction. The Borrower agrees that it shall provide
the Administrative Agent with notice of such reduction of the Aggregate
Commitments no later than one Business Day prior to the consummation of the Sale
Transaction. The Borrower further agrees that it shall, if necessary, reduce
Total Outstandings prior to the effectiveness of such reduction such that the
Total Outstandings would not exceed the Aggregate Commitments after giving
effect to such reduction, as required under Section 2.06 of the Credit
Agreement.

6. Expenses. The Borrower shall pay all reasonable costs, fees, and expenses of
the Administrative Agent and the Arrangers incident to this Amendment,
including, without limitation, the reasonable fees and expenses of the
Administrative Agent’s counsel in connection with the negotiation, preparation,
delivery, and execution of this Amendment and any related documents.

7. Miscellaneous. Unless stated otherwise herein, (a) the singular number
includes the plural and vice versa and words of any gender include each other
gender, in each case, as appropriate, (b) headings and captions shall not be
construed in interpreting provisions of this Amendment, (c) this Amendment shall
be governed by and construed in accordance with the laws of the State of New
York, (d) if any part of this Amendment is for any reason found to be
unenforceable, all other portions of it shall nevertheless remain enforceable,
(e) this Amendment may be executed in any number of counterparts with the same
effect as if all signatories had signed the same document, and all of those
counterparts shall be construed together to constitute the same document,
(f) delivery of an executed counterpart of a signature page to this Amendment by
telecopier, by electronic mail or by other electronic imaging shall be effective
as delivery of a manually executed counterpart of this Amendment, (g) this
Amendment, the Credit Agreement, as amended by this Amendment, and the other
Loan Documents constitute the entire agreement and understanding among the
parties hereto and supersede any and all prior

 

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agreements and understandings, oral or written, relating to the subject matter
hereof, (h) except as provided in this Amendment, the Credit Agreement, the
Notes, the Guaranty and the other Loan Documents are unchanged and are ratified
and confirmed; and (i) except as provided in this Amendment, the execution,
delivery and effectiveness of this Amendment shall not operate as a waiver of
any right, power or remedy of any Lender or the Administrative Agent under any
of the Loan Documents, nor constitute a waiver of any provision of any of the
Loan Documents.

8. Parties. This Amendment is a Loan Document. This Amendment binds and inures
to the benefit of the Borrower, the Administrative Agent, the Lenders and their
respective successors and assigns, subject to Section 10.06 of the Credit
Agreement.

The parties hereto have executed this Amendment in multiple counterparts as of
the date first above written.

[REMAINDER OF PAGE INTENTIONALLY BLANK.

SIGNATURE PAGES FOLLOW.]

 

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IN WITNESS WHEREOF, the parties have caused this Amendment to be executed
effective as of the date set forth above.

 

VOYA FINANCIAL, INC. By:  

/s/ David S. Pendergrass

Name:   David S. Pendergrass Title:   Senior VP and Treasurer By:  

/s/ Kevin J. Reimer

Name:   Kevin J. Reimer Title:   VP and Assistant Treasurer

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To induce the Credit Parties (as defined in the Guaranty) to enter into this
Amendment, the undersigned hereby (a) consents to the execution and delivery of
this Amendment and to the terms and conditions hereof, (b) agrees that such
execution and delivery in no way release, diminish, impair, reduce, or otherwise
adversely affect the obligations or undertakings of the undersigned under the
Guaranty and (c) ratifies and confirms the obligations and undertakings of the
undersigned under the Guaranty.

 

VOYA HOLDINGS INC. By:  

/s/ David S. Pendergrass

Name:   David S. Pendergrass Title:   Senior VP and Treasurer By:  

/s/ Kevin J. Reimer

Name:   Kevin J. Reimer Title:   VP and Assistant Treasurer

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BANK OF AMERICA, N.A., as the Administrative Agent, Swing Line Lender, a
Fronting L/C Issuer and Several L/C Agent By:  

/s/ Derek Miller

Name:   Derek Miller Title:   Vice President

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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Citibank, N.A., as a Lender By:  

/s/ Peter Bickford

Name:   Peter Bickford Title:   Vice President and Managing Director

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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JPMorgan Chase Bank, N.A., as a Lender By:  

/s/ Karole Dill Barkley

Name:   Karole Dill Barkley Title:   Vice President

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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ING Bank N.V., London Branch, as a Lender By:  

/s/ Alan Prosser

Name:   Alan Prosser Title:   Vice President By:  

/s/ M. Sharman

Name:   M. Sharman Title:   MD

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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Mizuho Bank, Ltd., as a Lender By:  

/s/ David Lim

Name:   David Lim Title:   Authorized Signatory

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SunTrust Bank, as a Lender

By:  

/s/ Paula Mueller

Name:   Paula Mueller Title:   Director

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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The Bank of Tokyo-Mitsubishi UFJ, Ltd., as a

Lender

By:  

/s/ Glen Schuermann

Name:   Glen Schuermann Title:   Director

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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U.S. Bank National Association, as a Lender By:  

/s/ Tenzin D. Subhar

Name:   Tenzin D. Subhar Title:   Vice President

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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Barclays Bank PLC, as a Lender By:  

/s/ Nicholas Guzzardo

Name:   Nicholas Guzzardo Title:   Assistant Vice President

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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BMO Harris Bank, N.A., as a Lender By:  

/s/ Benjamin Mlot

Name:   Benjamin Mlot Title:   Vice President

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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BNP Paribas, as a Lender By:  

/s/ Marguerite L. Lebon

Name:   Marguerite L. Lebon Title:   Vice President By:  

/s/ Hampton Smith

Name:   Hampton Smith Title:   Managing Director

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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DEUTSCHE BANK AG NEW YORK BRANCH, as a Lender By:  

/s/ Ming K. Chu

Name:   Ming K. Chu Title:   Director By:  

/s/ Virginia Cosenza

Name:   Virginia Cosenza Title:   Vice President

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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Industrial and Commercial Bank of China Limited, New York Branch, as a Lender
By:  

/s/ Jeffrey Roth

Name:   Jeffrey Roth Title:   Director By:  

/s/ Shulin Peng

Name:   Shulin Peng Title:   Managing Director

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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RBC Capital Markets, LLC, as a Lender By:   /s/ Jonathan Bayer Name:   Jonathan
Bayer Title:   Managing Director, Head of Insurance Investment Banking

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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WELLS FARGO BANK, NATIONAL ASSOCIATION, as a Lender By:  

/s/ Jocelyn Boll

Name:   Jocelyn Boll Title:   Managing Director

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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CREDIT SUISSE AG, NEW YORK BRANCH, as a Lender By:  

/s/ Doreen Barr

Name:   Doreen Barr Title:   Authorized Signatory By:  

/s/ William O’Daly

Name:   William O’Daly Title:   Authorized Signatory

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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GOLDMAN SACHS BANK USA, as a Lender By:  

/s/ Chris Lam

Name:   Chris Lam Title:   Authorized Signatory

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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MORGAN STANLEY BANK, N.A., as a Lender By:  

/s/ Cindy Tse

Name:   Cindy Tse Title:   Authorized Signatory

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NATIONAL AUSTRALIA BANK LIMITED,

as a Lender

By:  

/s/ Helen Hsu

Name:   Helen Hsu Title:   Director

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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The Bank of Nova Scotia, as a Lender By:  

/s/ Kevin Chan

Name:   Kevin Chan Title:   Director

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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UniCredit Bank AG, New York Branch, as a Lender By:  

/s/ William Orsini

Name:   William Orsini Title:   Managing Director By:  

/s/ Michael Imperiale

Name:   Michael Imperiale Title:   Director

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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COMMERZBANK AG, New York Branch, as a Lender By:  

/s/ Michael McCarthy

Name:   Michael McCarthy Title:   Managing Director By:  

/s/ Patrizia Lloyd

Name:   Patrizia Lloyd Title:   Director

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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PNC Bank, National Association, as a Lender By:  

/s/ Alaa Shraim

Name:   Alaa Shraim Title:   Vice President

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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State Street Bank & Trust Company, as a Lender By:  

/s/ Andrei Bourdine

Name:   Andrei Bourdine Title:   Vice President

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]

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THE NORTHERN TRUST COMPANY, as a Lender By:  

/s/ Joshua Metcalf

Name:   Joshua Metcalf Title:   2VP

 

[Voya - Signature Page to Amendment to the Second Amended and Restated Revolving
Credit Agreement]