I want to warn everybody that this company is not in the business of being your friend. They are only about making money. I have learn that I should have listen to the advice given by the older generation.Don't allow anyone to handle your money. This company did not get where they are by being foolish. I have made it my mission to prevent this from happening to other investors.I wrote letters to the front office, they basically told me too bad, you signed the papers without reading them. Also, when I sat down with the agent at Wachovia in Conyers Georgia, she made the withdrawal process appear simple. Also, each conversation was recorded without informing me. They sent me a disc with my conversations on it. They (ING)are very slick. I will post my papers on youtube to share with others.