About Your Investments – Investment Options

You can choose from a menu of investment options that cover the potential 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. Remember, international investing involves special risks such as currency fluctuation, lower liquidity, political and economic uncertainties, and differences in accounting standards.

The chart below shows the investment options available under the Plan. By clicking on the fund names listed, you can view one-page fact sheets for each option. Fund expenses are also included. The 3 or 4-digit fund code included in the third column of this chart is required for you to access your account on-line or via the VRU (800 number).

For more information on Expenses, Transfer Rules and Self-Directed Brokerage Account please click on each topic.

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	Asset Class
Stable Value Option	9916	Stability of Principal
Vanguard Total Bond Market Index Fund – Signal Shares	1408	Bonds
Fidelity Freedom 2015 Fund	2599	Asset Allocation
Fidelity Freedom 2025 Fund	2601	Asset Allocation
Fidelity Freedom 2035 Fund	2603	Asset Allocation
Fidelity Freedom 2045 Fund	2605	Asset Allocation
Fidelity Freedom Income Fund	2607	Asset Allocation
ING T. Rowe Price Capital Appreciation Portfolio – Service Class	788	Balanced
ING Van Kampen Equity and Income Portfolio – Adviser Class	269	Balanced
Blackrock Large Cap Value – Class A	1356	Large Cap Value
Allianz NFJ Dividend Value Fund – Class A	1355	Large Cap Value
Fundamental Investors SM – Class R-3	1251	Large Cap Value
Vanguard ® 500 Index Fund – Signal Shares	1404	Large Cap Value
The Growth Fund of America® - Class R-3	487	Large Cap Growth
ING T. Rowe Price Growth Equity Portfolio – Service Class	251	Large Cap Growth
Fidelity Contrafund	524	Large Cap Growth
CRM Mid Cap Value Fund – Investor Shares	457	Small/Mid/ Specialty
ING JPMorgan Mid Cap Value Portfolio – Initial Class	429	Small/Mid/ Specialty
Vanguard® Mid-Cap Index Fund – Signal Shares	1406	Small/Mid/ Specialty
Vanguard® Small-Cap Index Fund – Signal Shares	1407	Small/Mid/ Specialty
Franklin Small Cap Value Securities Fund – Class 2	073	Small/Mid/ Specialty
ING Baron Small Cap Growth Portfolio – Service Class	436	Small/Mid/ Specialty
T. Rowe Price Mid-Cap Growth Fund – R Class	345	Small/Mid/ Specialty
EuroPacific Growth Fund® - Class R-4	573	Global/International
New Perspective Fund – Class R-3®	339	Global/International

You should consider the investment objectives, risks, and charges and expenses of the variable product and its underlying fund options carefully before investing. Fund prospectuses containing this and other information can be obtained by contacting your local representative. Please read this information carefully before investing.

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 the Customer Service Center.

Expenses

There is an annual administrative fee of 0.20% for the Vanguard family of funds, the Franklin Small Cap Value Securities fund and there is an annual administrative fee of 0.30% for the Fidelity Freedom funds under the Program.

Investment management expenses apply to each of the variable investment options and to the Stable Value Option. The interest rate quoted on the Stable Value Option is the actual interest rate credited after deduction of the 1.00% expense. Please refer to the fund one-page fact sheets (by clicking on the fund name above) for the expenses applicable to each option.

Fund Expenses

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Transfer Rules

Unlimited transfers, (subject to ING’s Excessive Trading Policy), are allowed among all investment options with the exception of the Stable Value Option and the Self-Directed Brokerage Account (SDBA).

The product includes a limiting provision, called an “equity wash,” that applies to transfers between the Stable Value Option and the SDBA. These two options are considered to be competing investment options.

When this provision applies:

You can transfer from either one of these investment options directly into other investment options offered under the Plan.

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

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Self-Directed Brokerage Account (SDBA)

For those participants desiring more choice beyond the choices in the core program, the West Virginia Retirement Plus Deferred Compensation Plan includes a SDBA, offered through TD AMERITRADE, Inc..

TD Ameritrade provides an expanded choice of investments for your retirement plan. You have access to an even wider range of mutual funds across the potential risk and reward spectrum, ranging from aggressive funds to conservative funds, to help further diversify your portfolio. Whether your objective is long-term growth of capital or stability of principal, there is an option to help meet your need, including:

*These figures can change at any time. Please check the TD AMERITRADE Web site www.tdameritraderetirement.com for current number of funds available under the program

This option is designed for the experienced investor who wants to independently and actively manage an even greater choice of investment options and is willing to pay additional fees and accept full responsibility for researching, selecting, monitoring and managing their investments. An annual $50 fee is charged for participants who select the SDBA.

You should consider the investment objectives, risks, and charges and expenses of the investment company carefully before investing. Prospectuses containing this and other information about the investment company can be ordered online at www.tdameritraderetirement.com. Please read the information carefully before investing.

Learn More:

For additional information or to apply for an SDBA, please contact ING’s Customer Service Center at (800) 584-6001.

Special transfer rules apply to the SDBA that include:

Brokerage services provided by TD AMERITRADE, Division of TD AMERITRADE, Inc., member NASD/SIPC. TD AMERITRADE is a trademark jointly owned by TD AMERITRADE IP Company, Inc. and The Toronto-Dominion Bank. TD AMERITRADE is an independent entity and not a corporate affiliate of ING Financial Advisers, LLC (Member SIPC).

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