Voice of the Customer Insight: Now that Healthcare Reform has passed, do you think you need to save more or less for retirement? Research in Action: Study Summary Articles / Text Graphics Talking Points Use this information in proposals, sales material, collateral, etc. Lift and Load text and graphics to support sales and marketing initiatives. Compliance approval of this source document does not imply approval of other materials that use this information. Products and services offered through the ING family of companies C R (04/2010) ingretirementresearch.com ING Call Center Customer Question Summary Question # 1, March 23 – 26, 2010

Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline Summary Survey conducted March 23-26, 2010 by ING Customer Service Representatives Summary Text for Articles, s, Collateral Health and wealth decisions have much in common. Both are heavily influenced by similar psychological factors. For example, people put off saving for the same reason they put off starting a diet, because the short-term sacrifice seems so much more real than the longer-term benefits (Thats called hyperbolic discounting.) Similarly, healthcare and retirement reform are two of the most prominent issues facing America today. The recent passage of Patient Protection and Affordable Care Act sets the stage for fundamental change in the ways Americans may have access to – and pay for – health care and health care insurance. How do people think that this will affect their need to plan and prepare for their retirement years – particularly with respect to how they save? Participants are not optimistic about how the passage of Healthcare Reform impacts their need to save for retirement. Close to half – 46% -- say they think they should save more in a post-Healthcare Reform world, while nearly as many – 36% say that they are unsure about how their retirement savings needs might be changed. Only 7% say that they think they can now save less, and only 11% feel that their savings needs are unchanged. N = 572 3/23/10 – 3/26/10 Calls to Windsor & DesMoines Call Centers Talking Points for Plan Sponsors / Employers Many of your employees are concerned that they will need to save more in light of Healthcare Reform – your plan is the logical place / vehicle to help them; your plan is more important than ever! (ING research (Hearts and Minds) demonstrates that an employer plan is a critical part of retirement investing! 36% of your employees dont know what the effect will be on their retirement savings; they may need guidance and education. ING, in bringing you this information, also gives you the tools to help communicate and educate your employees to better use your plan and make good plan decisions; 2

Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline Demographic Discussion (Lift and Load) Survey conducted March 23-26, 2010 by ING Customer Service Representatives 3 No Gender Divide There is no real difference in how men vs. women perceive the effects of Healthcare Reform on their need to save for retirement. Slightly fewer women think they should save more, while slightly more men feel that their retirement savings should not change as a result of Healthcare Reform. Trends in general, however, hold up between the genders -- more women and men feel that they will need to save more, while a significant amount are unsure of the effects on their retirement savings needs. Need to save? Percentage

Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline Survey conducted March 23-26, 2010 by ING Customer Service Representatives 4 Age Abyss… Gap Grows for Younger Investors Older investors more confident in their post- Healthcare Reform financial picture – they are less likely to think that Healthcare Reform means they need to save more Still, the level of uncertainty about the effects of Healthcare Reform on retirement savings remains high at all ages. This effect is more pronounced for younger investors, especially those younger than 40, who think that Healthcare Reform does increase the need for their own retirement saving – with the youngest cohort (of younger than 30) being the most convinced that they should save more… whether or not they do remains to be seen! Demographic Discussion (Lift and Load) Age Percentage

Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline Survey conducted March 23-26, 2010 by ING Customer Service Representatives 5 Employer Type… Healthcare Reform and Healthcare Workers (and others!) While the overall trends hold up, workers in the Healthcare industry itself – employees of healthcare-providers (both for- and not-for-profit) do foresee a greater effect on their need to save for retirement! There is a slight inclination among healthcare workers to believe that Healthcare Reform increases their own retirement savings needs. By the same token, these workers are slightly less likely to think that they should reduce or not alter their savings amount in a post-Healthcare Reform environment. They also demonstrate – but only slightly, especially when compared to government workers – less uncertainty about the impact on their savings needs. They are more convinced that they will need to save more! Demographic Discussion (Lift and Load) Employer Type Percentage

Do not put content on the brand signature area Orange RGB= 255,102,000 Light blue RGB= 180,195,225 Dark blue RGB= 000,000,102 Grey RGB= 150,150,150 ING colour balance Guideline Methodology ING Call Center Customer Question Survey March 23-26, total survey participants + / - 4.4% confidence at 95% level (based on average 5,000 service center calls on days when survey was in effect) This survey summary has been prepared by the ING Institute for Retirement Research for informational purposes. Nothing contained herein should be construed as (i) an offer to sell or solicitation of an offer to buy any security or (ii) a recommendation as to the advisability of investing in, purchasing or selling any security. Any opinions expressed herein reflect our judgment and are subject to change. Certain of the statements contained herein are statements of future expectations and other forward-looking statements that are based on management's current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Actual results, performance or events may differ materially from those in such statements due to, without limitation, (1) general economic conditions, (2) performance of financial markets, (3) interest rate levels, (4) increasing levels of loan defaults (5) changes in laws and regulations and (6) changes in the policies of governments and/or regulatory authorities. The opinions, views and information expressed in this commentary are subject to change without notice based on market conditions and other factors. The information provided is not a recommendation to buy or sell any security. Products and services are offered through ING family of companies. Please log on to for information regarding other products and services offered through ING family of companies. Not all products are available in all states. Survey conducted March 23-26, 2010 by ING Customer Service Representatives 6