Investment Options

Under the ABP, ACTS, and Supplemental Savings Plan/403(b), you have a variety of investment options from some of the country's well-known money managers. Each option is designed to achieve a different investment objective, allowing you to tailor a portfolio to help meet your objectives.

From the day you enroll, you have the flexibility to allocate your assets and future contributions among the various options, subject to ING’s policy on market timing and excessive trading. This applies not only to current contributions, but to past contributions as well.

Below is a chart of the investment options from which you may build your portfolio. Just click on the links to find out more about each of the fund options.

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	Fund code
Stability of Principal
ING Fixed Plus Account II	039
ING Guaranteed Accumulation Account	GAA
ING VP Money Market Portfolio An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although effective October 7, 2008, the fund seeks to preserve the value of your investment at $1.00 per share, there is no assurance it will be able to do so. While the fund's objective includes the preservation of capital, it is possible to lose money by investing in the fund.	003
Bonds
ING VP Intermediate Bond Portfolio	004
Balanced
ING VP Balanced Portfolio	008
Large Cap Value
ING T. Rowe Price Equity Income Portfolio – Service Class	617
Large Cap Growth
Fidelity® VIP Contrafund® Portfolio – Initial Class *	133
ING T. Rowe Price Growth Equity Portfolio – Initial Class**	111
Small/Mid/Specialty
ING American Century Small-Mid Cap Value Portfolio – Service Class**	440
ING Baron Small Cap Growth Portfolio – Service Class**	436
ING VP Index Plus MidCap Portfolio	053
Lord Abbett Series Fund – Mid-Cap Value Portfolio – Class VC Shares	075
Global/International
ING VP International Value Portfolio	228

Note: VP refers to Variable Product and VIP refers to Variable Insurance Products Fund.

* Fidelity Investments and Pyramid Design are registered trademarks of FMR Corp.

** Part of the ING Partners, Inc. funds. Directed Services, LLC is the investment adviser for these funds.

You should consider the investment objectives, risks, charges, and expenses of the variable product and its underlying fund options carefully before investing. The prospectus contains this and other information. You may obtain a prospectus by contacting your ING representative or the Company at the address listed below. Please read the prospectus carefully before investing.

Variable annuities offered through a retirement plan are long-term investments designed for retirement purposes. Early withdrawals taken prior to age 59½ may be subject to an IRS 10% premature distribution penalty tax. Money distributed from the annuity 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 its original amount invested. Tax deferral is provided by your employer’s 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.

Neither ING or its affiliated companies or representatives provide tax or legal advice. Please consult a tax adviser or attorney before making a tax-related investment/insurance decision.