About Your Investments – Investment Options

The DCPLUS allows you to choose from a menu of 22 investment options, which include twenty variable investment options and one stable asset fund. These options cover the risk/reward spectrum allowing you to select from conservative choices, moderate growth and income funds, or aggressive growth opportunities in both U.S. and international markets.

The chart below shows the investment options available under DCPLUS Plan. By clicking on the fund names listed, you can view one-page fact sheets for each option. Fund expenses are also included.

To better understand the investment option information provided to you, please carefully review this additional information about types of investment risks and glossary of terms and statistics found on the fund fact sheets. Documentation will also provide instructions about how to obtain any underlying fund prospectuses. Please click here.

Investment Option / Asset Class	Fund Code	Fund Expense
Stability of Principal
DCPLUS Stable Value Portfolio1	9912	0.95%
Blackrock Liquidity Federal Trust Fund – Institutional Shares	2574	0.22%
Bonds
PIMCO Total Return Fund - Institutional Class 3	544	0.66%
DCPLUS Fixed Income Portfolio2	2535	0.34%
ING GNMA Income Fund – Class I	0240	0.65%
Asset Allocation
Vanguard® Target Retirement 2025 Fund- Investor Shares 3	0926	0.38%
Vanguard® Target Retirement Income Fund - Investor Shares 3	0795	0.39%
Vanguard® Target Retirement 2045 Fund - Investor Shares 3	0794	0.38%
Vanguard® Target Retirement 2035 Fund - Investor Shares 3	0793	0.38%
Vanguard® Target Retirement 2015 Fund - Investor Shares 3	0791	0.38%
Balanced
Pax World Balanced Fund - Institutional Class	1454	0.70%
ING T. Rowe Price Capital Appreciation Portfolio - Institutional Class	1257	0.65%
Large Cap Value
Vanguard® Institutional Index Fund - Institutional Shares	0566	0.05%
DCPLUS Large Cap Value Portfolio	2537	0.69%
ING Janus Contrarian Portfolio - Institutional Class	2071	0.75%
Large Cap Growth
DCPLUS Large Cap Growth Portfolio	2536	0.78%
Small / Mid / Specialty
Fidelity® VIP Mid Cap Portfolio - Initial Class	0822	0.68%
ING Clarion Real Estate Portfolio - Institutional Class	0682	0.64%
The Brown Capital Management Small Company Fund	0395	1.24%
Ariel Fund	0187	1.07%
Vanguard® Small Cap Index Fund - Investor Shares	1519	0.28%
Small / Mid / Specialty
EuroPacific Growth Fund® - Class R-5	0817	0.54%

1 The Credited Rate of the DCPLUS Stable Value Portfolio (9912) for the period April 1, 2010 through June 30, 2010 is 2.25%. This rate is net of all ING expenses and will apply to all new contributions and existing account balances for the specified period. Guarantees are based on the claims-paying ability of ING Life Insurance and Annuity Company and do not apply to the variable investment options held in the Separate Account. Please refer to the Participant Information Booklet for a description of this investment option and applicable restrictions.

2 The expense shown includes an ING administrative expense of 0.15%.

3 The expense shown includes an ING administrative expense of 0.20%.

More information about the investment options or to obtain fund prospectuses you may call ING directly at 800-584-6001 and speak to a Customer Service Associate. Read carefully before you invest.

Fund Performance is available by selecting the fund performance tab from the side bar menu under the About Your Investments section of this web site. In addition, fund performance summaries will be included with your quarterly statements and can be obtained from our local office.

Transfer Rules

Amounts must be transferred in whole percentages. There are no fees or charges for investment option transfers.

Please CLICK HERE to review ING's Excessive Trading Policy.

Group annuities offered through a retirement plan are long-term investments designed for retirement purposes. Money distributed will be taxed as ordinary income in the year received. Account values fluctuate with market conditions and, when surrendered, the principal may be worth more or less than the original amount invested. You should consider the investment objectives, risks, and charges, and expenses of the mutual funds carefully before investing. The fund prospectuses contain this and other information, and can be obtained by contacting your local representative. ING does not offer legal or tax advice. Please seek the advice of your own legal or tax advisor prior to making a tax-related investment decision.