Class A Shares

Minimum Investment Amount: $1,000 ^[4]

Maximum Investment Amount: None ^[3]

Key Features:

• Lower ongoing fund expense
• Quantity discounts (breakpoints)
• Traditional up-front sales charge at time of purchase
• Load waivers available for certain groups of investors
• NAV breakpoint at $1 million

Investor Profile

• Long term investors who are comfortable with traditional front-end loads
• Large-volume purchasers who want to take advantage of quantity discounts
• Investors concerned with higher ongoing fees

Class B Shares*

Minimum Investment Amount: $1,000 ^[4]

Maximum Investment Amount: $100,000 ^[3]

Key Features:

• No front-end sales charge
• Full investment begins working immediately
• Six-year declining contingent deferred sales charge ^[1]
• Automatic conversion to Class A Shares after year eight
• Systematic withdrawal plan available ^[2]

Investor Profile

• Clients opposed to front-end sales loads
• Investors who want to spread the sales charge payment over time
• Investors who are not planning to redeem shares in the short-term

*Class B shares for all funds are closed to purchase.

Class C Shares*

Minimum Investment Amount: $1,000 ^[4]

Maximum Investment Amount: $1,000,000 ^[3]

Key Features:

• No front-end sales charge
• Full investment begins working immediately
• One-year contingent deferred sales charge
• Systematic withdrawal plan available ^[2]

Investor Profile

• Clients opposed to front-end sales loads
• Investors who want to spread the sales charge payment over time
• Investors in a managed account wrap program
• Investors who have a shorter or uncertain time horizon

*Class C shares are not available for ING Russia Fund and ING Global Natural Resources Fund

Class I Shares (Institutional)

No loads. No 12b-1 Fees. Available through certain eligible intermediaries (defined benefit plans, insurance companies, wrap programs, retirement programs).

Minimum Investment Amount: $250,000

Class Q Shares (Institutional)

No loads. 0.25% 12b-1 Fees. 0.25% trail may be paid on Class Q. Available through qualified retirement plans.

Minimum Investment Amount: $100,000

Class R Shares (Retirement)

No loads. 0.50% 12b-1 Fees. 0.50% trail starting the 13th month. No dealer reallowance. Available through qualified retirement plans.

The ING Diversified International Fund, ING Intermediate Bond Fund, ING Index Plus LargeCap Fund, ING Index Plus MidCap Fund, and ING Index Plus SmallCap Fund offer R shares.

Minimum Investment Amount: $250,000

Class W Shares (Institutional)

The “W” share is an institutional share class designed specifically for wrap programs and retirement programs. “W” shares are available for a low minimum investment of $1,000. On some platforms, they are available with no minimum requirements.

Fund Features Across Share Classes Table

Download: ING Funds Commission and Pricing Guide [PDF]

• [1] The ING Principal Protection Funds has a five year declining contingent deferred sales charge.
• [2] Minimum account balance for the Systematic Withdrawal Program (SWP) is $10,000. Class B and Class C SWP's are processed free of CDSC if 12% or less of account value is redeemed on an annual basis provided all distributions and dividends are reinvested. The ING Principal Protection Funds only offer a SWP during the Index Plus Large Cap period. The ING Senior Income Fund and the ING Prime Rate Trust do not offer a SWP.
• [3] Orders for Class B shares and Class C shares in excess of $100,000 and $1,000,000, respectively, will be declined.
• [4] $250 for IRA Accounts.
• [5] For Pre-Authorized Investment Plans, minimum initial investment is $1,000 with a $100 subsequent investment minimum.
• [6] When exchanging from a Money Market Class A into Class A of another ING Fund (except a Money Market Fund) there will be a front-end load. No exchanges into ING Corporate Leaders Trust.
• [7] ING Money Market and ING Classic Money Market do not offer Rights of Accumulation or Letter of Intent.
• [8] Shares held by investors in ING Funds that impose a CDSC may be combined with Class A or Class M shares for a reduced sales charge.
• [9] Allowed within 90 days. For Class B and Class C the CDSC charge will be reinstated. The Class B and Class C shares will retain their original cost and purchase date for the CDSC. This privilege can only be used once per calendar year. This privilege is not available during ING Principal Protection Funds Offering Phase or Guarantee Period.

• [1] Shareholders that purchased funds that were a part of the Lexington family of funds at the time of purchase are not subject to sales charges for the life of their account.
• [2] Shareholders that purchased funds that were part of the Aetna family of funds prior to February 2, 1998 at the time of purchase are not subject to sales charges for the life of their account.
• [3] The term “offering price” includes the front-end sales charge.
• [4] The ING Senior Income Fund reallowance is as follows: Investments less than $99,999 = 2.50%; $100,000–$499,999 = 2.00%; $500,000–$999,999 = 1.25%. The ING Senior Income Fund has a 0.25% trail starting in the 1st month.
• [5] Excludes the ING Index Plus International Equity Fund.
  A 2.00% redemption fee applies only to Class A shares held less than 365 days for the ING Russia Fund. Redemption includes shares sold or exchanged into another fund. There is no sales charge for purchase of Class A shares of ING Classic Money Market Fund and ING Money Market Fund. However, if Class A shares are exchanged for shares of another ING Fund, there will be a charge for the applicable sales load for that fund upon the exchange.
  Former shareholders of Class M shares of ING Emerging Countries Fund and ING GNMA Income Fund are not subject to sales charges on purchases of Class A shares of the Fund for the life of their account.

• [6] The ING Senior Income Fund has a reallowance of 1.00% for all transactions over $1 million.
• [7] There is no front-end sales charge for purchases of ING Senior Income Fund Class A common shares in an amount of $1 million or more. However the shares will be subject to a 1.00% Early Withdrawal Charge (EWC) if they are repurchased by the Fund within one year of purchase.

• [8] The ING Senior Income Fund has a Early Withdrawal Charge (“EWC”) of 3%, 2.5%, 2%, 1.5%, 1.0%, for the 1st, 2nd, 3rd, 4th & 5th year, respectively. After the 5th year there is no EWC. After the 8th year Class B shares convert to Class A shares. Class B shares are closed to new investments. Please refer to the prospectus for details. The ING Senior Income Fund has a 0.25% trail starting in the 1st month. The ING Senior Income Fund has a 0.75% 12b-1 fee.
  Class B shares that were purchased through funds that were part of the Nicholas-Applegate Mutual family of funds at the time of purchase are subject to a different contingent deferred sales charge. Class B shares convert to Class A shares at the end of eight years and trail payments convert to Class A amounts.
• [9] Investors who exchange shares from other ING Funds will be subject to the other Fund's CDSC Schedule, which may mean that their CDSC will extend beyond the Guarantee Maturity date.
• [10] Class B shares for the ING Emerging Markets Fixed Income Fund, ING Global Bond Fund, ING GNMA Income Fund, ING High Yield Bond Fund and ING Intermediate Bond Fund are closed to new investments. See prospectus for details.
• 11] Class B shares in the ING Index Plus LargeCap Fund, ING Index Plus MidCap Fund and ING Index Plus SmallCap Fund are closed to new investments. See prospectus for details. Excludes the ING Index Plus International Equity Fund.

• [12] Excludes the ING Index Plus International Equity Fund.
  A 2.00% redemption fee applies only to Class A shares held less than 365 days for the ING Russia Fund. Redemption includes shares sold or exchanged into another fund. There is no sales charge for purchase of Class A shares of ING Classic Money Market Fund and ING Money Market Fund. However, if Class A shares are exchanged for shares of another ING Fund, there will be a charge for the applicable sales load for that fund upon the exchange.
  Former shareholders of Class M shares of ING Emerging Countries Fund and ING GNMA Income Fund are not subject to sales charges on purchases of Class A shares of the Fund for the life of their account.
• [13] The ING Senior Income Fund has a 1.00% EWC for the first year, 1% dealer reallowance, a 0.50% distribution fee, and 0.50% trail starting in the 13th month.