Terms and Conditions of Use of This website: Disclaimer

General

This website is intended for general information purposes. This website does provide basic information concerning individual banking products, insurance products or asset management products or related services. However none of the information at this site should be interpreted as an offer to sell securities or as investment advice of any kind. Queries concerning these topics should be addressed to the individual business units and/or companies of ING Groep N.V. ("ING Group").

By accessing this website and the materials and information contained herein, you acknowledge that you have read, understand, accept and agree to be bound by the terms and conditions that follow.

Linked Internet Sites

ING Group comprises a broad spectrum of companies (the "ING companies"), many of them operating under their own brand names. Almost every ING company, business unit or product group, has its own website on the internet where it offers information about its products and services. Reference is made to those websites for further details and hyperlinks have been provided from this website to those ING companies, business units and product groups, if available.

Users are advised that information on hyperlinked or referred-to websites is neither investigated nor analysed by ING Group. No warranty or representation, express or implied, is given as to the accuracy or completeness of that information. In no event will ING Group, nor any of its directors, employees or advisors accept any liability with regard to the information contained in the individual ING companies', business unit or product group's websites or any other hyperlinked or referred-to websites.

ING Group is not responsible for the content of any other internet sites linked to a site. A link to another site is meant for convenience only and does not imply that ING Group endorses the site or any products or services that it describes. Your access to and use of any other internet sites linked to or from this site is at your own risk and ING Group assumes no obligation or liability in connection therewith. ING Group reserves the right to terminate any link or linking program at any time.

By accessing this site, you also agree to abide by the proprietary guidelines set forth at any website accessed or linked to through this site.

Copyright

The site content is protected by copyright. All rights in the pages, site content and arrangement are owned by ING Group or its licensors. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any site content for any other purposes than that of this site, i.e. providing information about ING Group.

Trademarks, Service Marks and Logos

The trademarks, service marks and logos ("marks") appearing on this site and/or any other ING companies' websites are the property of those ING companies. Users are prohibited from using any of the marks without the prior written consent of the relevant ING company.

No Liability

While ING Group and ING companies use reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. ING Group and ING companies expressly disclaim any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with your access to or use of this site, and/or any other ING companies' websites whether or not ING Group and/or ING companies were aware of the possibility of such damages.

All information on this site, including but not limited to graphics, text and links to other sites, is provided "as is" and is subject to change without prior notice. Such information is provided, to the fullest extent permissible pursuant to applicable law, without warranty of any kind express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices.

ING Group does not warrant the adequacy, accuracy or completeness of any information on this site and expressly disclaim any liability for errors or omissions therein. Users are responsible for evaluating the accuracy, completeness or usefulness of any information or other content available on this site.

ING Group does not warrant the error free and uninterrupted service of this website.

SEC Filings

For the convenience of visitors to the site investors.ing.com, ING is providing a link to ING's SEC filings. You can review the filings ING has made with the SEC by linking to the 'EDGAR Database' (Electronic Data Gathering, Analysis and Retrieval system) maintained by the SEC

Individual statements appearing in ING's SEC filings are intended to be read in conjunction with and in the context of the complete documents in which they appear, including any documents incorporated by reference, rather than as stand-alone statements. ING Group does not assume any responsibility for updating its SEC filings other than as required by law.