1. CN0703-3395-0814 For agent use only. Not for use with the public. ING Annuity and Asset Sales Presents: ING Performance Trigger Index Strategy – A Story for Simplicity & Diversification Available with a Fixed Index Annuity from ING USA Annuity and Life Insurance Company (ING USA)

2. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. 2 Important Disclosures Index annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and earnings potential that is linked to participation in the growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees are backed by the financial strength of the insurance company. Investors are cautioned to carefully review an index annuity for its features, costs, risk and how the variables are calculated. IRAs and other qualified plans already provide tax deferral like that provided by an annuity. For a cost, annuities provide other features and benefits such as contract guarantees, death benefits or lifetime income. If other options are available, clients should not purchase a qualified annuity unless they want these additional features and benefits taking into account their cost.

3. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. 3 Important Disclosures All guarantees are based on the financial strength and claims paying ability of ING USA Annuity and Life Insurance Company, who is solely responsible for all obligations under its policies. "Standard & Poor's", "S&P 500" and "Standard & Poor's 500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by ING USA Annuity and Life Insurance Company. This product is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of purchasing this product. Annuities are products of the insurance industry. They are not deposits in, obligations of, or guaranteed by a bank or any other financial institution and are not insured by the FDIC.

4. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. 44 Financial Products Spectrum The above illustration is meant to serve as a guide of where products may fall in the financial services product continuum. It is not a guarantee of performance or safety of the above listed vehicles. Insurance and security products are not FDIC insured and may lose value. *Securities are distributed through a Broker/Dealer. Higher Risk / Higher Return Stocks * Bonds * Mutual Funds * Variable Annuities * Fixed Index Annuities Fixed Annuities Money Market Accounts Certificates of Deposit Savings Accounts Lower Risk / Lower Return

5. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. Seeking Protection – Traditional Options * 06/05/12 Source: Bankrate.comBankrate.com Bankrate.com 06/01/12 6 Month CD -.21% 1 Year CD -.33% 5 Year CD - 1.12%.46%* Money Market & Savings Accounts

6. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. Falling Behind? 1 Source: Federal Reserve Annual Statistical Release. 2 Source: The Tax Policy Center. Highest marginal federal tax rate is based on $100,000 of taxable income for a married couple filing jointly. 3 The after-tax return is calculated by taking the rate of return and multiplying it by what’s left after taxes (100 minus the tax rate). 4 Inflation is represented by the “headline” Consumer Price Index (CPI). 5 Real return is calculated by taking the after-tax return and subtracting the inflation rate. Keep in mind that CDs may be purchased for longer periods than illustrated. CDs are FDIC insured, generally up to $250,000, and have principal and interest rate guarantees.

7. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. Simplicity 6 points What if there was a straight forward annuity strategy that was easy to explain to your clients?

8. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. A Brand New Strategy from ING Annuity and Asset Sales! ING Performance Trigger Index Strategy Now available on all of the ING Secure Index family of index annuities* *This strategy may not be available in all states. NEW!

9. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. Details of the Trigger Rate The ING Performance Trigger Index Strategy is a point to point strategy based on each contract year’s performance. The declared Trigger Rate will be credited if the index experiences zero or greater growth during the contract year. The declared Trigger rate is credited annually and guaranteed for one year. *The Trigger Rate is subject to change for each premium or re-election, and for future contracts

10. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. What is a Trigger Rate? It’s Simple to explain: If the index gains 0% or greater - a Trigger Rate is credited.

11. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. Here’s How the Trigger Strategy Works 11 *This interest-crediting strategy may not be available in all states. Contact the ING Annuity and Asset Sales Desk for information for your state – 1-800-369-5301 The Formula: Ending S&P 500 value – Starting S&P 500 value Starting S&P 500 value ≥ 0% = Declared Trigger crediting rate

12. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. How the Trigger Strategy Works 12 *This interest-crediting strategy may not be available in all states. Contact the ING Annuity and Asset Sales Desk for information for your state – 800-369-5301 S&P 500 Jan 2011: 1,286.12 S&P 500 Feb 2012: 1,312.41 Declared Trigger Rate: 3.50% Example: 1,312.41 – 1,286.12 1,286.12 = 2.04% ≥ 0% Then3.50% Interest Credited

13. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. Let’s take a look at a 1-year example… Annual Percentage Change in S&P 500 *Different rates may apply to different products and may vary based on the amount invested. The above rate is not intended to reflect any current rates. Please contact your ING representative for current rates on the Secure Index Annuity Family. The index cap is set in the company’s sole discretion. Trigger rate = 3.5%

14. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. How would the Trigger Strategy look over 5-Years? *Different rates may apply to different products and may vary based on the amount invested. The above rate is not intended to reflect any current rates. Please contact your ING representative for current rates on the Secure Index Annuity Family. The index cap is set in the company’s sole discretion. Index is below starting point

15. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. A Diversification Story “What’s the best strategy? “It Depends” ING Annuity and Asset Sales Provides A Strategy for Any Market: 1.Performance Trigger Index – No Change or Small Growth 2.Annual Point to Point Cap – Slow & Steadily Increasing Market 3.Monthly Point to Point Cap – Bull Market, Increasing each Month 4.Interest Rate Benchmark – Rising Interest Rate Environment 5.Fixed Rate Strategy – Guaranteed Rate, Regardless of Market Performance

16. Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline www.ing-presentations.intranet CN0703-3395-0814 For agent use only. Not for use with the public. 164680 07/09/2012 THANK YOU ING Annuity and Asset Sales Desk: 800-369-5301