1. ©2006 ING North America Insurance Corporation Seminar provided by ING Financial Advisers, LLC (member SIPC). C07-0613-011 (07/07) Amanda Devilbiss Deferred Comp May 28, 2009

2. ©2006 ING North America Insurance Corporation How to get back in the game. 3 Get moving. Get it together.

3. ©2006 ING North America Insurance Corporation Step 1: Get it together. 4 It’s not about you. Stress can be bad and good. Take a lemon and make lemonade.

4. ©2006 ING North America Insurance Corporation Know the game plan. 5 Special requirements? Action required? Last day? Review with advisor? What’s included?

5. ©2006 ING North America Insurance Corporation Run down the checklist. 6

6. ©2006 ING North America Insurance Corporation Run down the checklist. 7

7. ©2006 ING North America Insurance Corporation You make the call. 8 Decide what to do with employer-sponsored retirement savings. Cash out Stay putTake along

8. ©2006 ING North America Insurance Corporation Cash out and strike out. 9 Cash in hand, but at a hefty price Why? 20% federal income tax Additional taxes, based on tax bracket Loss of potential growth Can’t put it back Why not?

9. ©2006 ING North America Insurance Corporation 10 Should money stay put? It’s allowed Maintains tax deferral Investment options Low Fees Access, with out penalties if needed Why? Simple, do nothing Contributions have stopped Why not?

10. ©2006 ING North America Insurance Corporation 11 Points for taking money along. Consolidate all your assets Investment choices Other attractive options Maintain tax deferral Why? May not be able to consolidate your assets Possible higher costs More paperwork Possible limited options, choices Possibly lose 457 (b) status Why not?

11. ©2006 ING North America Insurance Corporation How to manage in the stretch. 12 Use severance, unemployment benefits Look for other sources of money Restructure debt

12. ©2006 ING North America Insurance Corporation Step 2: Get moving. 13 Keep same career? Upgrade your career? Go back to school? Start your own business?

13. ©2006 ING North America Insurance Corporation Get valuable coaching. 14 Presenting your work history Seek advice on: Interview skills How to meet employers Where to find out about jobs

14. ©2006 ING North America Insurance Corporation Keep swinging… 15 Looking for work is your new full-time job With these job search tips. Network Join professional groups, volunteer Always follow up Stay connected

15. ©2006 ING North America Insurance Corporation Talk a good game – and mean it… 16 Practice with a friend or career coach With these interview tips. Know what points you want to make Be prepared for tough questions Use examples Ask good questions

16. ©2006 ING North America Insurance Corporation Touch all bases by using resources. 17 Internet – user groups, job sites, company sites Job fairs Search firm, recruiter State dislocated workers units, unemployment office Who you know

17. ©2006 ING North America Insurance Corporation Go the distance. 18 Understand your benefits and use them. Be a job search pro.

18. ©2006 ING North America Insurance Corporation 19 What’s next? Time to take action. Read on the topic. Contact your Benefits Manager. Check the Internet. Consult your Deferred Compensation Representative.

19. ©2006 ING North America Insurance Corporation