AXA Equitable

A.M. Best

A.M. Best rates ING USA Annuity & Life A (Excellent), the third highest of 16 ratings for financial strength, operating performance, and market profile.

A+

Standard & Poor's

Standard & Poor's assigns financial strength ratings to life and health insurance companies. ING USA Annuity & Life has been assigned A+ for Strong financial security characteristics, the fifth highest of 21 ratings.

Moody's

Moody's ratings are opinions of the ability of the insurance companies to repay punctually senior policyholder claims and obligations. The A2 rating represents the sixth highest among 21 ratings.

A-

Fitch

Fitch Credit Rating Company, a top analyst judging insurers' financial strength, rates ING USA Life & Annuity A- for Strong insurer financial strength, the seventh highest of 21 ratings.

Comdex

The Comdex rating is a composite of all the ratings that a company has received. ING ranks 81 on a scale of 1 (lowest) to 100 (highest) in relationship to other companies that have been rated by the services.

ING was founded in 1991 by a merger between Nationale-Nederlanden and NMB Postbank Group. ING is a global financial institution of Dutch origin, currently offering banking, investments, life insurance and retirement services to meet the needs of a broad customer base. Going forward, we will concentrate on our position as an international retail, direct and commercial bank, while creating an optimal base for an independent future for our insurance operations (including investment management).