RETIREMENT LIFE INSURANCE INVESTMENTS Advisor Examining how working with an advisor can help lead to improved savings and (hopefully) retirement results Presenter Name Registration (if relevant) Location and Date

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 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 presentation 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 in the U.S. Please log on to for information regarding other products and services offered through ING family of companies in the U.S. Not all products are available in all states. © 2012 ING North America Insurance Corporation CN Important Information 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 Study Details 3 4,050 adults age 25-69,full-time workers with household income of $40k+, ages Survey conducted October, Data have been weighted to be representative of the U.S. population overall. Generally results are statistically significant at the 95% confidence level. Not all percentages will add up to 100 due to rounding, weighting and multiple response options. Survey was executed for the ING Retirement Research Institute by ORC International, an independent research firm (not a member of the ING family of companies in the U.S.) All data reported in this presentation is sourced to this study / survey.

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 Things That are Good for Us 4 Vegetables Checkups Exercise ReadingBalance Consulting a financial advisor

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 Key 5 Less (likely to) More (likely to) = About the same (likelihood)

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 Who uses Financial Advisors? 6 Married / Divorced No Children Older / Mature White Higher Income Women

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 Currently contribute to an employer retirement plan Retirement Savings: Employer Plans 7 80% who use an advisor 74% who dont use an advisor % of pay No advisor : 8% Advisor: 10% Average employer plan contribution

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 Retirement Savings: Deciding How Much to Save 8 Using an advisor Likely to contribute only whats affordable Contribute the maximum allowed = Anchor at auto enroll

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 Retirement Savings: Employer Plan Account Balance 9 No advisor Lowest balance Advisor Highest balance % of respondents Employer Plan Balance

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 Total Retirement Savings 10 Have additional savings dedicated for retirement 90% who use an advisor 70% who dont use an advisor Using an Advisor = $62,000 more in total retirement savings

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 Investment Style 11 Using an advisor Conservative Moderate = Aggressive

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 Employer Plans: Education and Control 12 Using an advisor Education burden on employers Employee feelings of control

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 Reasons Not to Save 13 Say that something gets in the way of saving enough 60% who use an advisor 78% who dont use an advisor

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 Knowledge and Expectations of Education 14 Working with an Advisor Calculated what Ill need to retire Have a plan to get there

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 Rainy Day Fund / Emergency Reserve 15 Have an emergency cash reserve 89% who use an advisor 78% who dont use an advisor

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 Worries About Retirement 16 Advisor Clients Worry about needing to return to work Conscious and cautious about healthcare costs

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 Feeling Prepared 17 Using an advisor Feeling prepared for retirement Feeling unprepared for retirement Feeling on track for retirement goals

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 Information Resources 18 People who use an advisor value the personal contact and guidance.

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 Credit Habits 19 No advisor Need to build credit Use credit to buy what they cant afford Advisor Use credit for regular activities Use credit to accumulate

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 Credit Card Payment 20 Using an advisor = better credit behavior Pay it in full every month Pay over months Always carry balance

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 Life Insurance 21

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 Use of Discretionary Income 22 SAVING SPENDING

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 Financial Goals 23 Using an advisor: Debt as an issue Focus on retirement Able to focus on leisure

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 Wrap Up: Key Themes 24 Regularly using a financial advisor or professional has many and strong benefits in helping people manage their financial lives and prepare for retirement Ironic that – across the board – not even half of people regularly consult and advisor. Consulting an advisor can Increase employer plan participation Increase overall savings & ability to save Increase feelings of confidence and control Increase formal planning and calculating future needs Improve general financial management and health How do we encourage more people to seek financial advice and guidance / make the benefits of advice and guidance more broadly available?

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 25 Thank you! ? Questions… ! Comments…