1 ING Serves Universities and Colleges to a Higher Degree Your future. Made easier.
2 ING has a local presence in more than 1,361 Higher Education plans. We provide retirement plans to more than 126,974 participants (as of 3/31/11). We are a provider in 15 State Optional Retirement Plans across the country and serve the needs of Higher Education plans in all 50 states. For over 40 years, ING has been committed to the Higher Education market. ING s dedicated Institutional Business Development Team is focused on working with colleges and universities to ensure solutions are designed to streamline administration of their retirement programs. ING has Client Service teams that are focused on assisting your participants as they prepare for a successful retirement transition. We are pleased to sponsor a variety of initiatives with top industry organizations: College University Professional Association of Human Resources (CUPA-HR) National Association of College and University Board Officials (NACUBO) American Council on Education (ACE) Historically Black Colleges and Universities (HBCU) Thurgood Marshall College Fund
3 Dedicated to higher education ING serves universities and colleges to a higher degree. Drawing on our long tenure in this market, we deliver retirement programs designed to increase participation by your employees and reduce plan management burden for your staff. We respect the relationships your employees have with existing providers, while delivering superior service, financial education and investment choice customized for your diverse employee population. EXPLORE ING S RETIREMENT SOLUTION FOR HIGHER EDUCATION AND TAKE YOUR PLAN TO A HIGHER DEGREE.
4 DEDICATED TO HIGHER EDUCATION More Choice in Plan Design We help you design a plan that fits the unique goals of your institution or we can work with your existing plan design. We can work cohesively with other financial services companies in a multi-vendor program or excel as your sole provider. To maintain continuity of investments for your employees, yet offer more choice, ING can also serve as your exclusive provider yet incorporate investment options from well-known, non-ing fund companies into your fund menu. Product Flexibility ING has the product flexibility and breadth to deliver the right product solution to meet your needs, whether you have 403(b), 401(a) or 457 plans, or want an integrated solution across a combination of internal revenue codes. Our product line-up features mutual fund programs or variable annuity products with investment options from well-known fund companies. Your investment option menu is designed based on your requirements to appeal to your unique employee population. In addition, actively managed funds, enhanced index funds, and asset allocation (lifestyle) funds are also available. We can deliver services on either a bundled or unbundled basis, depending on your preferences. Best-in-Class Plan Support for You ING understands the nuances of higher education retirement plans, including the need for your defined contribution plan to compliment your defined benefit plan, employer match and other features. In addition, we draw on our experience servicing retirement plans across all public and private market sectors to customize solutions to meet your unique needs. Local Support Your ING regional manager works closely with you to identify your goals and objectives and develop the best product and service platform to meet the needs of your plan and your employees. He or she serves as your primary contact, marshaling resources within ING to meet your goals and objectives. In addition, your dedicated plan manager will oversee the setup and day-to-day administration of plan. These professionals work with you to ensure that your plan is set up and maintained for success. Fiduciary Support Through a strategic relationship with Morningstar Associates, LLC the Portfolio Blueprint * service is available to defined contribution plans that have selected ING as their service provider (underwriting rules apply). With Portfolio Blueprint, Morningstar Associates signs a written agreement with plan sponsors and acknowledges its status as a fiduciary to the plan with respect to the selection and ongoing monitoring of the plan s investment options. Technical Expertise Our technical services and legal experts keep you informed of legislative and regulatory developments concerning retirement benefits and deferred compensation issues that could impact your plan. The Technical Services team has the resources and knowledge to give you up-to-the minute information on 403(b) annuities, Roth 403(b), other 403(b) programs, 457(b) and Roth 457(b) plans, 401(a) qualified plans, portability of retirement plans, Special Pay plans and more to help address your plan design and administration questions. 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 containing this and other information, can be obtained by contacting your local representative. Please read the information carefully before investing. Important Information: Variable annuities and Mutual Funds offered under a custodial agreement or through a retirement plan are long term investment vehicles designed for retirement purposes which allow you to allocate contributions among variable investment options that have the potential to grow tax deferred, or in the case of Roth contributions, tax free, with an option to receive a stream of income at a later date. Taxes are due upon withdrawal of tax deferred assets; withdrawals will also reduce the applicable death benefit and cash surrender value. Investments are not guaranteed and are subject to investment risk including the possible loss of principal. Account values fluctuate with market conditions, and when redeemed 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 are subject to additional fees and expenses of which other tax qualified funding vehicles may not be subject. For 401(a), 401(k) and 403(b) plans, early withdrawals taken prior to 59 ½, an IRS 10% premature distribution penalty tax may apply. * Through a strategic relationship with Morningstar Associates, LLC, a registered investment advisor and wholly owned subsidiary of Morningstar, Inc., ING makes available Portfolio Blueprint, a service offering investment solutions and fiduciary support from Morningstar Associates for plan sponsors. Morningstar Associates makes its fund selections from the fund platform that is available under the applicable ING product, which is a subset of the broad fund universe, and which consists of ING proprietary funds and unaffiliated funds that may have agreed to pay ING compensation in connection with sales of those funds and/or payments for services provided by ING or its affiliates on behalf of the funds. ING may at times request that Morningstar Associates reconsider specific fund selections but the final decision on which funds are selected for Portfolio Blueprint is Morningstar Associates. Morningstar Associates has no ability to choose the funds that are made available under ING s products and contracts. The Morningstar name and logo are registered marks of Morningstar, Inc. All other logos and marks are the property of their respective owners. ING and its companies are not affiliated with the Morningstar family of companies and receive no fee or other direct financial benefits from Morningstar in connection with the use of its services. ING and its companies are not affiliated with the Morningstar family of companies and receive no fee or other direct financial benefits from Morningstar in connection with the use of its services.
5 Seamless Transition Whenever you make a change in your plan, you want it to be seamless. Our approach starts with a detailed transition implementation schedule so you know what to expect at each stage of the process. Our dedicated registered representatives conduct group educational meetings to help employees understand their options, as well as one-on-one meetings to address their specific needs. Our superior participant communications campaign includes transition mailings and web-based communications. Personalized Service for Your Employees Serving your employees well is a key to your plan success. ING s consultative approach includes face-to-face service from our team of experienced representatives, as well as 24 hour service via state-of-the-art customer service centers and a robust participant web site. Face-to-Face Service Our representatives average 20 years serving higher education customers. Their experience ranges from Series 6 registration to Investment licensing. These professionals assist employees throughout your organization to: Identify retirement objectives and develop a long-term retirement savings strategy. Asset allocation assistance based on lifestyle changes, age, years to retirement and market conditions. Prepare for retirement Transition from accumulating assets to withdrawing income in retirement. Securities are offered by Registered Representatives of ING Financial Partners, member SIPC. In addition to face-to-face service, ING makes available Morningstar Retirement Manager SM * service should you choose to offer it to your employees (additional fees may apply). Top Notch Education Our representatives use tailor-made customer seminars to assist employees at every stage of retirement planning. With ING s Educator s Financial Analysis (and its online counterpart My Retirement Outlook), employees will be given plan-specific defined benefit and social security information to help determine how much savings is required through their defined contribution plan. Working with the ING professional, employees can test out different savings scenarios and rates of return to understand what they need to save to reach their objectives. Information on catch-up provisions is also provided for those employees nearing retirement. With INGCompareMe.com, you can offer your employees an easier way to see how their current spending, saving and investing measure up to thousands of their peers. They simply visit ingcompareme.com, answer a few questions and compare their progress to other people with similar traits, hobbies and habits. Account Assistance TAILOR-MADE SEMINARS Day-to-day account help is just a phone call away. Our two customer service centers are staffed by more than 200 employees and can support 170 languages and service hearing- or visually-impaired employees. All employees servicing registered products have successfully completed FINRA registrations and receive continuing education to ensure the highest quality service. Your employees also have 24-hour online account access to view balances, transaction history, online statements, and personal rate of return. Fund transfers and allocation changes, rebalancing, and beneficiary updates can be conducted online at any time. In addition, employees have access to the latest investment information, investment option fact sheets, financial calculators and financial newsletters/reports. Your employees can also integrate their retirement account information into Quicken to make it easier for them to manage their investments and potentially improve their future savings. With the Quicken Download Tool **, participants are able to download and import their account balance and transaction data into their personal financial management software. This simple process makes it easier for participants to monitor their retirement strategy. Plan Branding for * Morningstar Retirement Manager is provided by Morningstar Associates, LLC ( Morningstar Associates ), a registered investment advisor and a wholly owned subsidiary of Morningstar, Inc., and is intended for citizens and legal residents of the United States and its territories. Morningstar Associates advisory service relates solely to the investment options offered under the plan. Retirement plan funding products are offered through ING Financial Advisers, LLC (member SIPC) or other broker dealers with which it has selling agreements. ING provides Morningstar Associates with the plan s investment options and information about participants but the decisions regarding the advice provided are made by Morningstar Associates. ING and its companies are not affiliated with Morningstar Associates or its affiliates, and receive no fee or other direct financial benefits from Morningstar Associates in connection with the use of its services. The Morningstar name and trademarks are used under license from Morningstar Associates. ** 2011 Intuit, Inc. All rights reserved. Intuit and Quicken are registered trademarks of Intuit, Inc.
6 DEDICATED TO HIGHER EDUCATION Maximum Impact Once we ve helped you design and implement your retirement plan, we help you communicate it to your employees. Our industry-leading plan branding, communications and education help you promote this important benefit to your employees and increase enrollment and contributions. ING can work with you to develop a branding strategy to generate awareness of this benefit among your employees. We have developed behavior-based, multi-media communications campaigns with a variety of financial messages to help promote your plan to employees to help: increase participation among those not in the plan and increase contributions among employees already participating. Your regional ING team works with you to build a campaign that suits the needs of your institution. Plan Administration CONTRIBUTION CAMPAIGNS PLAN SPONSOR WEBSITE Made Easier While your plan management requirements are more complex, your administration is now easier. You can delegate some of the time-consuming administrative tasks to ING. Our standard recordkeeping services ensure that we set up your plan information precisely; that we reconcile plan and accounts accurately; and that we process contributions, transfers, rollovers, distributions and in-service withdrawals correctly and at a frequency you require. With the 403(b) regulations, data aggregation and management are more important than ever. We have the capability to help satisfy your data aggregation and remitting needs to help you comply. And for ERISA plans, we can help you satisfy the ERISA recordkeeping requirements. You can get a complete picture of your employee s participation and trends with On-demand reporting through our plan-specific Sponsor Website. Information available includes: Total assets, year-to-date contributions, activity summaries, and more. Payroll Feedback File/Report containing individual participant transaction data. Participant account access, distribution requests, auto enrollment and excessive trading. Fund fact sheets, fund performance and fund evaluation scorecard for your plan. Regulatory updates, administrative guides, ING publications. Documents and manuals for you, and signature ready forms for your employees
7 ING in the Community ING is committed to serving the communities where we work and live. Through our ING foundation, we support programs that promote fitness, both physical and financial, and assist organizations through sponsorships and grants. ING Run for Something Better helps fund running and fitness education programs in schools to show kids how exercise can empower them to achieve good health. ING Unsung Heroes encourages classroom innovation through an annual grant program for public school educators. ING is a sponsor of the following programs: National Teacher of the Year Committee Encouraging Corporate Philanthropy Amigos together for kids, Inc. Ron Clark Academy American Heart Association Go Red for Women ING is Green ING is committed to being an environmentally friendly company. Our retirement services corporate office in Windsor CT features energy-saving, daylight-control system that dims or turns off lights depending on the levels of natural daylight. We re buying 70 million kilowatt-hours of clean, wind-generated electricity to power major sites for 10,000 U.S.-based employees. ING s use of recycled paper in its US offices: Saves 1,399,156 gallons of water and 3,838 trees Reduces CO2 emissions (greenhouse gases) by 337,083 pounds Removes 31 cars from the road and powers 29 homes for a year ING already offsets all of its global business travel by supporting the planting and rehabilitation of 300 hectares of degraded tropical rainforest in Malaysia. IMPORTANT INFORMATION: 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). These materials are not intended to be used to avoid tax penalties, and were prepared to support the promotion or marketing of the matter addressed in this document. The taxpayer should seek advice from an independent tax advisor.
8 Products and services are offered through the ING family of companies. Insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided by) ING Life Insurance and Annuity Company, Windsor, CT. Securities are distributed by ING Financial Advisers, LLC (member SIPC), Windsor, CT. Annuities may also be issued by ReliaStar Life Insurance Company, Minneapolis, MN. Variable annuities issued by ReliaStar Life Insurance Company are distributed by ING Financial Advisers, LLC. Within the state of New York, only ING Life Insurance and Annuity Company is admitted and issues products. 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 vary by state and may not be available in all states E.S-2 (10 /11) 2011 ING North America Insurance Corporation C (5/11)
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