Welcome to ING’s Custom Web Site for the State of Iowa Retirement Investors’ Club

To help you achieve your financial and retirement goals, the State sponsors a 457(b) Deferred Compensation Plan and a 401(a) Defined Contribution Plan, referred to as the Retirement Investors’ Club. To keep you informed about the valuable benefits under these Plans, the State maintains a Web site (http://www.das.hre.iowa.gov/ric.html) that provides comprehensive Plan information including:

ING has developed this Web site to complement the State’s Web site. It is designed for participants who have selected ING as their Plan provider, and for employees who seek information about the products and services offered by ING under the State’s Plans.

Variable annuities and mutual funds offered through a retirement program are long-term investments designed for retirement purposes. Money distributed will be taxed as ordinary income in the year the money is distributed. Account values fluctuate with market conditions and, when surrendered, the principal may be worth more or less than the original amount invested. Tax deferral is provided by the plan and the annuity does not provide any additional tax deferral benefit. Annuities may be subject to additional fees and expenses to which other tax-qualified plan funding vehicles may not be subject. However, annuities provide features and benefits such as lifetime income payments and death benefits which may be valuable to you.

The Participant Information Booklet and fund prospectuses contain additional information about the expenses associated with the investment options. To obtain an Information Booklet or prospectus, contact your local representative. Please read this information carefully before you invest. Insurance products issued by ING Life Insurance and Annuity Company (ILIAC). Seminars and securities offered through ING Financial Advisers, LLC (member SIPC), or other broker-dealers with which ILIAC has selling agreement.