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                                                                       Exhibit A

                   AMENDMENT TO INVESTMENT ADVISORY AGREEMENT

This Amendment to Investment Advisory Agreement (this "Amendment") amends the
Investment Advisory Agreement between ING Investment Management LLC ("IIM") and
ING Insurance Company of America, formerly known as Aetna Insurance Company of
America ("Client"). This Amendment is dated as of August 26, 2003.

   1. BACKGROUND. IIM and Client are parties to an Investment Advisory
      Agreement, dated March 31, 2001, as amended (the "Agreement"), pursuant to
      which IIM provides Client with certain investment advisory services. IIM
      and Client wish to clarify the limited circumstances under which IIM may
      have custody of Client funds or securities under the Agreement. Although
      the parties do not intend by this Amendment to address whether or not
      Original Mortgage Documents (as defined below) are in fact securities, it
      is the intention of IIM and Client that, except as may be otherwise agreed
      from time to time, IIM will not have actual or constructive custody of
      Client funds or securities other than Original Mortgage Documents.

   2. AMENDMENT TO SECTION 3 OF THE AGREEMENT. Section 3 of the Agreement is
      hereby amended to add the following to the end of such Section:

      "Notwithstanding anything to the contrary in this Section 3, except with
      regard such Original Mortgage Documents as are selected by IIM from time
      to time, and as may otherwise be agreed between IIM and Client:

      (a) IIM shall not maintain physical custody of Client funds or securities;
          and

      (b) IIM shall not have the power to direct any custodian or other third
          party to transfer Client funds or securities, except in the case of
          (i) transactions involving a delivery vs. payment or vice versa, (ii)
          free receipts into Client Accounts, (iii) transfers between Client's
          own accounts, (iv) transfers to satisfy margin or collateral calls by
          brokers or other counterparties, and (v) other transactions that would
          not reasonably be considered to result in actual or constructive
          custody of Client funds or securities.

      "Original Mortgage Documents" means original (a) mortgage notes, (b)
      certificates of participation where more than one entity has invested in
      the mortgage via a participation agreement, and (c) letters of credit, as
      applicable, that are provided from time to time by borrowers as additional
      security."

   3. AMENDMENT TO SECTION 6 OF THE AGREEMENT. The second sentence of Section 6
      of the Agreement is hereby amended to add the language highlighted in
      italics below:

      "EXCEPT AS SPECIALLY CONTEMPLATED BY SECTION 3, IIM shall not MAINTAIN
      CUSTODY OF CLIENT FUNDS OR SECURITIES OR OTHERWISE act as custodian for
      the Account."

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   4. AMENDMENT TO SECTION 9 OF THE AGREEMENT. Section 9 of the Agreement is
      hereby amended to read as follows:

      SECTION 9. LIMITATION OF LIABILITY - In rendering services under this
      Agreement, IIM will not be subject to any liability to Client or to any
      other party for any act or omission of IIM except as a result of IIM's
      negligence, misconduct or violation of applicable law. Nothing herein
      shall in any way constitute a waiver or limitation of any rights of any
      party under applicable Federal or State law.

   5. AMENDED AGREEMENT. Except as specifically amended by this Amendment, each
      and every term of this Agreement remains in full force and effect.


          CLIENT:                    ING INSURANCE COMPANY OF AMERICA


                                     By: /s/ Paula Cludray-Eengelke
                                         --------------------------------
                                         Name: Paula Cludray-Engelke
                                         Title: Secretary


          IIM:                       ING INVESTMENT MANAGEMENT LLC


                                     By: /s/ Fred C. Smith
                                         --------------------------------
                                         Name: Fred C. Smith
                                         Title: Executive Vice President