Effective Date: 11/12/2009 Rates in Orange indicate a change from previous rate. ING Fixed Annuities Sales Desk: 800-369-5301

ING Secure Series     ING Secure Index Opportunities Plus Annuity (Single Premium)     Immediate 5% Premium Bonus Available2 $15,000 Band   $75,000 Band     Point-to-Point Cap Index Strategy: 6.00%   7.00%     Monthly Cap Index Strategy: 2.25%   2.60%     Fixed Rate Strategy: 2.50%   2.50%     Initial Minimum Guaranteed Strategy Value Rates: 2.00% on 87.5% of the single premium3 (assumes no withdrawals or premium taxes, if any)     ING Secure Index Seven Annuity (Flexible Premium)           $15,000 Band   $75,000 Band     Point-to-Point Cap Index Strategy: 6.50%   7.50%     Monthly Cap Index Strategy: 2.35%   2.65%     Fixed Rate Strategy: 2.80%   2.80%     Initial Minimum Guaranteed Strategy Value Rates: 1.00% on 100% of premiums4 (assumes no withdrawals, surrender charges or premium taxes, if any)     ING Secure Index Five Annuity (Flexible Premium)         $15,000 Band $75,000 Band         With ROP** Without ROP With ROP Without ROP     Point-to-Point Cap Index Strategy: 5.50% 6.00% 6.50% 7.00%     Monthly Cap Index Strategy: 2.00% 2.10% 2.40% 2.50%     Fixed Rate Strategy: 2.35% 2.60% 2.35% 2.60%     NJ: Call the Sales Desk for Monthly Average Index Strategy rates Initial Minimum Guaranteed Strategy Value Rates: 1.50% on 100% of premiums4 (assumes no withdrawals, surrender charges or premium taxes, if any)     ING Secure Index Outlook Annuity (Single Premium)     Immediate 3% Premium Bonus Available2 $15,000 Band   $75,000 Band     Point-to-Point Cap Index Strategy: 6.00%   7.00%     Monthly Cap Index Strategy: 2.25%   2.60%     Fixed Rate Strategy: 2.50%   2.50%     Initial Minimum Guaranteed Strategy Value Rates: 2.00% on 87.5% of the single premium3 (assumes no withdrawals or premium taxes, if any)     ING Envoy Series     ING Envoy Fixed Index Annuity     Envoy 6   $15,000 Band   $75,000 Band     Point-to-Point Cap Index Strategy: 6.25%   7.25%     Fixed Rate Strategy: 2.80%   2.80%     Envoy 9   $15,000 Band   $75,000 Band     Point-to-Point Cap Index Strategy: 7.00%   8.00%     Fixed Rate Strategy: 3.00%   3.00%     FL & OR: Call the Sales Desk for Point-to-Point Participation Index Strategy rates Initial Minimum Guaranteed Strategy Value Rates: 1.00% on 100% of premiums1 (assumes no withdrawals, surrender charges or premium taxes, if any)     ING Guarantee Choice Annuity (Single Premium)6               $15,000 Band $75,000 Band     10 Year Guarantee Period: 3.70% 4.70% 1st Year 3.70% Years 2-10     7 Year Guarantee Period: 3.00% 4.00% 1st Year 3.00% Years 2-7     5 Year Guarantee Period: 2.25% 3.25% 1st Year 2.25% Years 2-5     ING Single Premium Immediate Annuity (Monthly installment per $1000 net proceeds)       Male Age 65   Income           Life Only $6.36           Life & 10-Year Certain $6.07           Life & 20-Year Certain $5.45         Proof of age required for life contingency options.     Classic Choice - NY5     5-Year 3.00% 6-Year 3.00% 8-Year 3.10%     Classic Flex - NY5     1-Year 3.00% 3-Year 3.00% 5-Year 3.00%

*$10,000 for qualified money ***Return of Premium Rider, IU-RA-3058. Return of Premium rider offers lower interest crediting potential in return for enhanced guarantees. 1The initial minimum guaranteed strategy value rates are set at contract issue and will not change for 9 years (subject to change annually thereafter). The Fixed Rate Strategy's minimum guaranteed interest rate is 1.5% and is not tied to the minimum guaranteed strategy value rates. See the specific product contract for details. 2Products offering a bonus may offer lower credited interest rates, index caps, monthly caps, participation rates, and/or higher index spreads than products not offering a bonus. Over time, and under certain circumstances, the amount of the bonus may be more than offset by the lower credited interest rates, index caps, monthly caps, participation rates, and/or higher index spreads. 3The initial minimum guaranteed strategy value rates are set at contract issue and will not change for 10 years (subject to change annually thereafter). The Fixed Rate Strategy's minimum guaranteed interest rate is 1.5% and is not tied to the minimum guaranteed strategy value rates. See the specific product contract for details. 4The initial minimum guaranteed strategy value rates for ING Secure Index Seven Annuity and ING Secure Index Five Annuity are set at contract issue and will not change for seven years for ING Secure Index Seven Annuity and nine years for ING Secure Index Five Annuity (subject to change annually thereafter). The initial minimum guaranteed strategy value rates for ING SimpleChoice Seven Annuity are set at contract issue and will not change for seven years. The Fixed Rate Strategy's minimum guaranteed interest rate is 1.5% and is not tied to the minimum guaranteed strategy value rates. See the specific product contract for details. 5Issued by ReliaStar Life Insurance Company of New York. 6The surrender charge on ING Guarantee Choice is waived for 30 days following the end of an interest rate guarantee period. Surrender charge will then continue, but will not reset. Contracts issued by ING USA Annuity and Life Insurance Company, 909 Locust Street, Des Moines, IA 50309. Contract Form Series: IU-IA-3067, IU-IA-3064, IU-IA-3050, IU-IA-3032, IU-IA-3034, IU-IA-3033, IU-RA-3058, IU-IA-3038, IU-IA-3054, IU-IA-3026, IU-IA-3036, 1823, NY2001, NY2000. Original applications must be received the business day prior to the rate effective date to hold previous rates. Rates are held 45 days from the effective date. Interest rates, participation rates, index caps and index spreads subject to change. Products and features not available in all states. IRAs and other qualified plans already provide tax-deferral like that provided by an annuity. Additional features and benefits such as contract guarantees, death benefits and the ability to receive a lifetime income are contained within the annuity for a cost. Please be sure the features and costs of the annuity are right for you when considering the purchase of the annuity. Withdrawals may be subject to Federal/State income tax and, if taken prior to age 59 1/2, an additional 10% Federal penalty tax. Neither the company nor its agents or representatives can provide tax, legal or accounting advice. Guarantees based on claims-paying ability of the insurer. Visit www.INGAnnuities.com for state approvals. 124375 - 11/12/2009 © 2009 ING North America Insurance Corporation For Agent Use Only.