Changes to the investment menu at ING
Dear UT System Retirement Program participant:
You are receiving this letter because you are either currently contributing to, or you have
assets with, a UT Retirement Program fund that will be changing effective November 15, 2011.
The University of Texas System Retirement Program and ING Life Insurance and Annuity
Company (ING) are dedicated to helping you plan for the future you want. As part of that
commitment, the investment funds are regularly monitored according to established criteria
that includes (but is not limited to) overall performance, objective, fees, fund management,
and fit within the line-up. The goal is to maintain an array of investments to help diversify
your account according to your individual retirement planning needs, while offering an
appropriate number that can be effectively monitored.
As a result of the latest review, we are pleased to announce the introduction of a streamlined
fund line-up with competitively performing funds and competitive fees. This streamlined fund
line-up provides you an array of high quality funds across the risk spectrum while making it
easier for you to select the investment options that best fit your individual situation. These
changes will occur on November 15, 2011.
The details of the changes are outlined in the follow pages. Not all investments listed in the
charts will apply to you. To review your exact investment holdings, log in to your ING account
at www.ingretirementplans.com or call 1-866-506-2199.
IMPORTANT: Actions to Consider

If you are satisfied with how your current contributions will be redirected, then you do
not need to take any action. However, if you would like to change how your future
contributions will be redirected prior to the fund change occurring, then you must
update your asset allocation no later than November 14, 2011 by 4:00 p.m. Eastern
Time. After this date and time you will still have the ability to change the direction of
your future contributions, but it will be for a future effective date.
 Any assets that you currently have in any fund that will no longer be available after
November 15, 2011, will remain in that fund unless you take action to transfer those
assets to another investment fund offered after November 15, 2011.
 You may wish to take this opportunity to contact ING at 1.800.525.4225 or your ING
representative in order to review your overall retirement plan investments and goals.
For additional information about your retirement fund offerings or for assistance with making
any fund changes, please contact ING at 1.800.525.4225 or logon to
www.ingretirementplans.com.
Dear UT System Retirement Program Participant,
As you may know, ING Life Insurance and Annuity Company (ING) and the University of Texas
Retirement Program are introducing a streamlined line-up of investment options designed to
offer you an array of funds across the risk spectrum while making it easier for you to select the
investment options that best fit your individual situation. To support this effort, ING is
notifying you of changes to the investment options available through the Variable Annuity
contracts and Mutual Fund programs offered by ING Life Insurance and Annuity Company
(ILIAC), a member of the ING family of companies.
Highlights of the changes to the University of Texas plans with ING:

Effective November 15, 2011, A new, streamlined menu of investment options will be
available for contributions going forward to the variable annuity contracts and mutual
fund programs. The new menu will allow future contributions be directed to the new
investment option menu. If you are satisfied with how your current contributions will be
redirected, then you do not need to take any action.
What Actions do you need to consider?
Effective November 15, 2011, the current menu of investment options is being discontinued
for new contributions. Any assets that you have in a discontinued investment option will
remain in the discontinued option, unless you take action to transfer those assets to one of the
new investment options. New contributions made after the effective date cannot be made to
the discontinued investment options.
You can choose how to redirect your future contributions to the new investment options prior
to the fund change. You would need to update your asset allocation no later than 4:00 p.m. ET
on November 14, 2011.
If you choose to take no action prior to 4:00 p.m. ET on November 14, 2011, then you are
agreeing that your future contributions will be redirected to the new investment options as
shown in the charts that accompany this letter. Your future contributions, based on your
future contributions on record with ING as of November 14, 2011, will be redirected from the
current (discontinued) investment option to a similar investment option in the new menu,
based on fund strategy and objectives, underlying investments, and long-term performance
potential. These allocations will remain in place unless and until you make an alternate
investment direction. Please refer to Investment Options charts for details.
You should consider the investment objectives, risks, and charges and expenses of the
variable product and its underlying fund options; or mutual funds offered through a
retirement plan, carefully before investing. The prospectuses/prospectus
summaries/information booklets containing this and other information can be obtained by
contacting your local representative. Please read the information carefully before investing.
2
We appreciate the trust and confidence you have placed in ING, and look forward to
continuing to work with you to help you plan for your financial future. You may wish to take
this opportunity to contact your local ING representative to review your overall retirement
plan investments and goals. In addition, if you have any questions regarding these investment
option changes, please contact your ING representative or our toll free Customer Service line
at 1-866-506-2199.
IMPORTANT INFORMATION
Variable annuities and mutual funds under a retirement plan are long-term investments designed for retirement
purposes. If withdrawals are taken prior to age 59 ½, an IRS 10% premature distribution penalty tax may apply.
Money taken 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. An annuity does not provide any additional tax deferral benefit, as tax deferral is provided by the
plan. Annuities may be subject to additional fees and expenses to which other tax-qualified funding vehicles may
not be subject. However, an annuity does provide other features and benefits, such as lifetime income payments
and death benefits, which may be valuable to you.
For 403(b)(1) fixed or variable annuities, employee deferrals (including earnings) may generally be distributed only
upon your: attainment of age 59½, severance from employment, death, disability, or hardship. Note: Hardship
withdrawals are limited to employee deferrals made after 12/31/88. Exceptions to the distribution rules: No
Internal Revenue Code withdrawal restrictions apply to ’88 cash value (employee deferrals (including earnings) as of
12/31/88) and employer contributions (including earnings). However, employer contributions made to an annuity
contract issued after December 31, 2008 may not be paid or made available before a distributable event occurs.
Such amounts may be distributed to a participant or if applicable, the beneficiary: upon the participant's severance
from employment or upon the occurrence of an event, such as after a fixed number of years, the attainment of a
stated age, or disability. For 403(b)(7) custodial accounts, Employee deferrals and employer contributions (including
earnings) may only be distributed upon your: attainment of age 59½, severance from employment, death, disability,
or hardship. Note: hardship withdrawals are limited to: employee deferrals and ’88 cash value (earnings on
employee deferrals and employer contributions (including earnings) as of 12/31/88).
Insurance products, annuities and retirement plan funding are issued by ING Life Insurance and Annuity Company.
Securities are offered through ING Financial Advisers, LLC (Member SIPC), One Orange Way, Windsor, CT, 060954774. All companies are members of the ING family of companies. Securities may also be distributed through other
broker-dealers with which ING Financial Advisers, LLC has selling agreements. Insurance obligations are the sole
responsibility of each issuing company. Products and services may not be available in all states. Products and
services offered through the ING family of companies. C11-0822-009R (08/2011)
3
Discontinued and New Investment Option Charts
for the
University of Texas Retirement Programs offered by ING
If you choose to take no action prior to 4:00 p.m. ET on November 14, 2011, then your future
contributions will be redirected to the new investment options as shown in the Charts below.
There are two charts. Please refer to the chart that applies to you.
1. Investment Options for the Variable Annuity contracts
2. Investment Options for the Mutual Fund program
Effective November 14, 2011, at the market close, generally 4:00 p.m. Eastern Time (ET) the
investment options shown below under Existing Fund Names will no longer be available to
new contributions, fund transfers or allocation changes under the University of Texas plans
with ING.
You should consider the investment objectives, risks and charges, and expenses of the
variable product and its underlying fund options, or mutual funds offered through a
retirement plan carefully before investing. The prospectuses/prospectus
summaries/information booklets containing this and other information can be obtained by
contacting ING at 1-866-506-2199or your local representative. Please read the information
carefully before investing.
Investment Options – Variable Annuity Contracts
(includes Mentor, Direct and Legacy ING contracts)
The options listed in Discontinued Investment Option column on the left will no longer be
available for new contributions. If you take no action, new contributions to the Discontinued
Investment Options will instead be directed to the options listed in the New Investment
Options column on the right. The chart also shows the fund number for each new investment
options.
Fund #
Discontinued Investment
Option
To:
New Investment Option
Fund #
Asset Allocation
ING Strategic Allocation
Growth Portfolio - Class I
33
ING Strategic Allocation
Conservative Portfolio - Class I
32
ING Strategic Allocation
Moderate Portfolio - Class I
193
Pax World Balanced Fund Individual Investor Class
Global/International

ING T. Rowe Price Capital
Appreciation Port - Serv Class
788
779

Oppenheimer Developing
Markets Fund - Class A
190

EuroPacific Growth Fund® Class R-4
573
31
ING JPMorgan Emerging
Markets Equity PortfolioService
1331
830
Pioneer Emerging Markets
VCT Portfolio - Class I
ING Artio Foreign Portfolio Service Class
1551
ING International Index
Portfolio - Class I
770
ING T Rowe Price
International Stock Portfolio
4
Fund #
Discontinued Investment
Option
Global/International
To:
New Investment Option
107
Fidelity VIP Overseas Portfolio
- Initial Class
228
ING International Value
Portfolio - Class I
Small/Mid/Specialty

EuroPacific Growth Fund® Class R-4
ING Templeton Foreign Equity
Portfolio - Initial Class
573
53
ING Index Plus MidCap
Portfolio - Class I
ING Fidelity® VIP Mid Cap
Portfolio - Service Class
ING T. Rowe Price Diversified
Mid Cap Growth Port - Initial
Wanger Select
ING Russell™ Mid Cap Growth
Index Portfolio - Class S

ING Russell™ Mid Cap Index
Portfolio - Class I
ING FMR Diversified Mid Cap
Portfolio - Service Class
1560
Lord Abbett Series Fund Mid
Cap Value Portfolio - Cl VC
ING Pioneer Mid Cap Value
Portfolio - Institutional Class

Lazard U.S. Mid Cap Portfolio Open Shares
1315
ING Clarion Real Estate
Portfolio - Service Class
ING Index Plus SmallCap
Portfolio - Class I
ING Baron Small Cap Growth
Portfolio - Service Class

ING Clarion Global Real Estate
Portfolio - Inst Class
ING Russell™ Small Cap Index
Portfolio - Class I
Wanger USA
1613
Franklin Small Cap Value
Securities Fund - Class 2
Wells Fargo Advantage
Special Small Cap Value Fund
- Class A

ING American Century SmallMid Cap Value Portfolio Service
440
50
ING BlackRock Science and
Technology Opp Port - Class I

ING T. Rowe Price Growth
Equity Portfolio - Initial Class
111
771
ING MFS Utilities Portfolio Service Class

789
432
ING Oppenheimer Global
Portfolio - Initial Class
ING Global Resources
Portfolio - Service Class
USAA Precious Metals and
Minerals Fund - Adviser
Shares

ING Van Kampen Growth and
Income Portfolio - Service
Class
New Perspective Fund® - Class
R-4
ING Russell™ Large Cap Index
Portfolio - Class I
ING Small Company Portfolio
- Class I

407
449
820
2718
75
1214
1019
52
436
73
191
2040
2656
42





ING JPMorgan Small Cap Core
Equity Portfolio - Service Class
Fund #
1586
778
1563
821
818
1557
752
5
Fund #
Discontinued Investment
Option
Ariel Fund
To:
New Investment Option

1560
Oppenheimer Main Street
Small- & Mid-Cap Fund/VA
ING Wells Fargo HealthCare
Portfolio - Service Class

ING Russell™ Mid Cap Index
Portfolio - Class I
ING JPMorgan Small Cap Core
Equity Portfolio - Service Class
Fidelity® VIP Contrafund®
Portfolio - Initial Class
ING PIMCO Total Return
Portfolio- Service Class
American Funds The Bond
Fund of AmericaSM - Class R4
ING Pioneer High Yield
Portfolio - Initial Class

ING Intermediate Bond
Portfolio - Class
004

ING PIMCO High Yield Portfolio
- Service Class
787
ING Growth and Income
Portfolio - Class I
Invesco V.I. Core Equity Fund Series I Shares
ING Thornburg Value Portfolio Initial Class
ING UBS U.S. Large Cap Equity
Portfolio - Initial Class
ING Davis New York Venture
Portfolio - Service Class
ING Pioneer Fund PortfolioInstitutional Class
American Funds Fundamental
InvestorsSM - Class R-4
ING Growth and Income
Portfolio - Class S
ING Janus Contrarian PortfolioService Class
Amana Income Fund

Fidelity® VIP Contrafund®
Portfolio - Initial Class
133
ING Index Plus LargeCap
Portfolio - Class I
ING U.S. Stock Index Portfolio Institutional Class

ING Russell™ Large Cap Index
Portfolio - Class I
1557
Fidelity® VIP Equity-Income
Portfolio - Initial Class
ING Van Kampen Comstock
Portfolio - Service Class
ING T. Rowe Price Equity Income
Portfolio - Service Class
ING Pioneer Equity Income
Portfolio - Institutional Class
ING Russell Large Cap Value
Index Portfolio - Class S

ING Van Kampen Growth and
Income Portfolio - Service Class
789
American Funds Washington
Mutual Investors FundSM - R-4

ING Van Kampen Growth and
Income Portfolio - Service Class
789
187
832
776

Fund #
752
133
Bonds
439
1003
1220
Large Cap Value
1
79
100
105
264
772
1208
1290
1307
1595
35
829
108
437
617
1213
2711
819
6
Fund #
Discontinued Investment
Option
Large Cap Growth
76
106
109
572
783
1413
1612
2015
2713
2714
Invesco V.I. Capital
Appreciation Fund - Series I
Shares
ING Legg Mason ClearBridge
Aggressive Growth Port Initial
Fidelity VIP Growth Portfolio Initial Class
The Growth Fund of America®
- Class R-4
ING BlackRock Large Cap
Growth Portfolio - Service
Class
ING Marsico Growth Portfolio
- Institutional Class
Amana Growth Fund
ING BlackRock Large Cap
Growth Portfolio –
Institutional
ING Russell Large Cap Growth
Index Portfolio - Class I
ING Russell™ Large Cap
Growth Index Portfolio - Class
S
To:

New Investment Option
Fund #
ING Large Cap Growth
Portfolio- Institutional Class
742
Balanced
ING Invesco Van Kampen
Equity and Income Portfolio Initial
101
Calvert VP SRI Balanced
Portfolio
Stability of Principal

ING T. Rowe Price Capital
Appreciation Port - Serv Class
788
005

ING Fixed Account
002
ING Fixed Account
002
452
006
ING Guaranteed
Accumulation Accounts- Short
Term
ING Guaranteed
Accumulation Account-Long
Term
7
Investment Options – Mutual Fund Program
The options listed in Discontinued Investment Option column on the left will no longer be
available for new contributions. If you take no action, new contributions to the Discontinued
Investment Options will instead be directed to the options listed in the New Investment
Options column on the right. The chart also shows the fund number for each new investment
options.
Fund#
Discontinued Investment Option
Stability of Principal
3
ING Money Market Portfolio - Class I *
To

New Investment Options
ING Money Market Portfolio - Class I *
Fund#
003
Bonds
1035
ING Limited Maturity Bond Portfolio 
ING Money Market Portfolio - Class I *
Service Class
*An investment in a money market fund is not insured or guaranteed by the Federal Deposit
Insurance Corporation or any other government agency. Although 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.
Franklin High Income Fund - Class A

ING PIMCO High Yield Portfolio - Service
Class
Vanguard® Inflation-Protected Securities

American Century Inflation-Adjusted
Fund - Investor Shares
Bond Fund - Investor Class
American Century Inflation-Adjusted Bond
Fund - Investor Class
PIMCO Real Return Fund - Class A
1031
PIMCO GNMA Fund - Class A

1036
PIMCO Total Return Fund - Class A

1041
TCW Total Return Bond Fund - Class N

1044

1003
Vanguard® Intermediate-Term Bond Index
Fund - Investor Shares
The Bond Fund of AmericaSM - Class R-4
178
Templeton Global Bond Fund - Class A
781
1012
801
1001
003
787
1001
ING PIMCO Total Return Portfolio Service Class
439
ING U.S. Bond Index Portfolio - Class S
1555

Templeton Global Bond Fund - Class A
178

1026
Oppenheimer International Bond Fund Class A
Asset Allocation
032
767
ING Strategic Allocation Moderate Portfolio Class I
ING Solution Income Portfolio - Initial Class

ING Solution Income Portfolio - Initial
Class
767
746
ING Solution 2015 Portfolio - Initial Class

ING Solution 2015 Portfolio - Initial Class
746
790
ING Solution 2025 Portfolio - Initial Class

ING Solution 2025 Portfolio - Initial Class
790
761
ING Solution 2035 Portfolio - Initial Class

ING Solution 2035 Portfolio - Initial Class
761
764
ING Solution 2045 Portfolio - Initial Class

ING Solution 2045 Portfolio - Initial Class
764
8
There is no guarantee that any investment option will achieve its stated objective. Principal value
fluctuates and there is no guarantee of value at any time, including the target date. The "target
date" is the approximate date when you plan to start withdrawing your money. When your target
date is reached, you may have more or less than the original amount invested. For each target
date Portfolio, until the day prior to its Target Date, the Portfolio will seek to provide total returns
consistent with an asset allocation targeted for an investor who is retiring in approximately each
Portfolio's designation Target Year. The Target Year is specified in the Portfolio's name. For
example, the ING Solutions 2045 Portfolio bears an asset allocation that the investment adviser
believes balances the risk and return objectives of the "average" investor who will be retiring in
the year 2045. With the exception of ING Solution Growth and Income Portfolio, ING Solution
Growth Portfolio, ING Solution Income Portfolio and ING Index Solution Income Portfolio, each
Portfolio is structured and managed around a specific target retirement or financial goal date
(”Target Date”) as follows: 2055, 2045, 2035, 2025 and 2015. The ING Solution Growth and
Income Portfolio, ING Solution Growth Portfolio, ING Solution Income Portfolio and ING Index
Solution Income Portfolio are for those who are retired, nearing retirement or in need of drawing
down income from their Portfolio soon. Prior to choosing a Target Date Portfolio, investors are
strongly encouraged to review and understand the Portfolio's objectives and its composition of
stocks and bonds, and how the asset allocation will change over time as the target date nears. No
two investors are alike and one should not assume that just because they intend to retire in the
year corresponding to the Target Date that that specific Portfolio is appropriate and suitable to
their risk tolerance. It is recommended that an investor consider carefully the possibility of capital
loss in each of the target date Portfolios, the likelihood and magnitude of which will be
dependent upon the Portfolio's asset allocation.
On the Target Date, the Portfolio's investment objective will be to seek to provide a combination
of total return and stability of principal consistent with a low to moderate risk asset allocation
which is targeted to the "average" retiree.
Stocks are more volatile than bonds, and portfolios with a higher concentration of stocks are
more likely to experience greater fluctuations in value than portfolios with a higher concentration
in bonds. Foreign stocks and small and midcap stocks may be more volatile than large cap stocks.
Investing in bonds also entails credit risk and interest rate risk. Generally investors with longer
timeframes can consider assuming more risk in their investment portfolio. The ING Solution
PortfoliosSM are actively managed and the asset allocation adjusted over time. The portfolios may
merge with or change to other portfolios over time. Refer to the prospectus for more information
about the specific risks of investing in the various assets classes included in the ING Solution
Portfolios.
Balanced
1013
Franklin Income Fund - Class A
788
ING T. Rowe Price Capital Appreciation
Portfolio - Service Class
The Income Fund of America® - Class R-4
1005
616
823
452

ING T. Rowe Price Capital Appreciation
Portfolio - Service Class
788

Neuberger Berman Socially Responsive
Fund® - Trust Class
1120
ING RussellTM Large Cap Index Portfolio Class S
1558
Fundamental InvestorsSM - Class R-4
1208
ING MFS Total Return Portfolio - Service
Class
American Balanced Fund® - Class R-4
193
ING Van Kampen Equity and Income
Portfolio - Initial Class
Pax World Balanced Fund
915
Oppenheimer Capital Income Fund - Class A
Large Cap Value
1027
923
Oppenheimer Main Street Opportunity
Fund® - Class A
Pioneer Fund - Class A
1010
Evergreen Enhanced S&P 500® Fund - Class
IS
1040
T. Rowe Price Dividend Growth Fund
1024
Neuberger Berman Partners Fund® - Trust
Class
ING Growth and Income Portfolio - Class I
1
105

ING UBS U.S. Large Cap Equity Portfolio Initial Class
9
Fund#
Large Cap Value
Discontinued Fund
To
New Investment Option
Fund#

ING Van Kampen Growth and Income
Portfolio - Service Class
789
ING T. Rowe Price Equity Income Portfolio Service Class
819
Washington Mutual Investors FundSM Class R-4
Large Cap Growth

ING T. Rowe Price Equity Income
Portfolio - Service Class
617
572
The Growth Fund of America® - Class R-4

American Funds AMCAP Fund® - Class R4
1002
1002
AMCAP Fund® - Class R-4
1006
The New Economy Fund® - Class R-4
2714

ING T. Rowe Price Growth Equity
Portfolio - Initial Class
111
593
ING RussellTM Large Cap Growth Index
Portfolio - Class S
Franklin DynaTech Fund - Class A
Allianz CCM Capital Appreciation Fund Administrative Class
ING BlackRock Large Cap Growth Portfolio Service Class
ING Marsico Growth Portfolio - Service Class
1007
Calvert Social Index Fund - Class A

Neuberger Berman Socially Responsive
Fund® - Trust Class
1120

ING RussellTM Mid Cap Index Portfolio Class S
AIM Mid Cap Core Equity Fund - Class A
1561
789
371
ING Van Kampen Growth and Income
Portfolio - Service Class
Van Kampen Comstock Fund - Class A
617
905
1029
783
Small/Mid/Specialty
1046
187
Vanguard® Strategic Equity Fund - Investor
Shares
Ariel Fund
456
Ariel Appreciation Fund
778
ING FMR SM Diversified Mid Cap Portfolio Service Class
Morgan Stanley Institutional Fund Trust Mid
Cap Growth Portfolio - Class P
ING MidCap Opportunities Fund - Class A
Managers Cadence Mid-Cap Fund - Class A
ING T. Rowe Price Diversified Mid Cap
Growth Portfolio - Initial Class

ING FMR SM Diversified Mid Cap
Portfolio - Service Class
778
1008
1032
Columbia Mid Cap Value Fund - Class A
Allianz OCC Renaissance Fund - Class A

ING Pioneer Mid Cap Value Portfolio Institutional Class
1214
752
ING JPMorgan Small Cap Core Equity
Portfolio - Service Class
Oppenheimer Main Street Small Cap Fund® Class A
Legg Mason Partners Small Cap Growth Fund
- Class A
Vanguard® Explorer Fund - Investor Shares

ING JPMorgan Small Cap Core Equity
Portfolio - Service Class
ING RussellTM Small Cap Index Portfolio
- Class S
ING SmallCap Opportunities Portfolio Class I
752


ING American Century Small-Mid Cap
Value Portfolio - Service Class
Amana Growth Fund
440
2532
Vanguard® Small-Cap Value Index Fund Investor Shares
Allianz RCM Wellness Fund - Class A
1000
Invesco Leisure Fund - Class A

Fundamental InvestorsSM - Class R-4
1208
1023
428
1030
449
1028
1038
1042
1045



290
1564
080
1612
10
Fund#
Small/Mid/Specialty
Discontinued Fund
1011
Evergreen Precious Metals Fund - Class I
1039
DWS Gold & Precious Metals Fund - Class A
776
1034
Wells Fargo Health Care Portfolio - Service
Class
Allianz RCM Technology Fund - Class A
1009
Columbia Technology Fund - Class A
1016
ING Global Real Estate Fund - Class A
1019
292
ING Clarion Real Estate Portfolio - Service
Class*
ING Real Estate Fund - Class A
1014
Franklin Utilities Fund - Class A
To
New Investment Option
Fund#

American Funds AMCAP Fund® - Class R4
1002

ING Clarion Global Real Estate Portfolio Institutional Class*
1613

ING Van Kampen Growth and Income
Portfolio - Service Class
789

EuroPacific Growth Fund® - Class R-4
573
ING Templeton Foreign Equity Portfolio Initial Class
New Perspective Fund® - Class R-4
1586
ING International Index Portfolio - Class
S
1552
Global/International
573
EuroPacific Growth Fund® - Class R-4
830
ING Artio Foreign Portfolio - Service Class
176
Templeton Foreign Fund - Class A

1004
Capital World Growth and Income FundSM Class R-4
New Perspective Fund® - Class R-4

818
432
177
818
ING Oppenheimer Global Portfolio - Initial
Class
Templeton Growth Fund, Inc. - Class A

Insurance products, annuities and retirement plan funding are issued by ING Life Insurance and Annuity
Company. Securities are offered through ING Financial Advisers, LLC (Member SIPC), One Orange Way,
Windsor, CT, 06095-4774. All companies are members of the ING family of companies. Securities may
also be distributed through other broker-dealers with which ING Financial Advisers, LLC has selling
agreements. Insurance obligations are the sole responsibility of each issuing company. Products and
services may not be available in all states. Products and services offered through the ING family of
companies. C11-0822-009R (08/2011)
11