Shares Acquired On or Before July 15, 2009

ING Class O mutual funds acquired on or before July 15, 2009, are only subject to a charge of $19.95 for the redemption or exchange of funds that are held less than 90 days. This charge is in addition to any applicable charges or expenses described in the fund’s prospectus.

Securities products are: Not FDIC insured • Not Bank guaranteed • May lose value