Do not put content on the brand signature area RETIREMENT INVESTMENTS INSURANCE Retirement Readiness begins in the workplace… and employers play an increasingly important role. DRAFT Redefining Retirement Readiness Speaker Name and Registered Representative Status Date (Location)

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 Being Ready C (01/12) read i ness (n.) The state of quality of being ready; preparation; promptness; aptitude; willingness - Websters Dictionary Note: when full photos downloaded, the tags wont be in the signature line

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 Readiness is Has Many Levels C (01/12)

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 Readiness C (01/12) How should I invest? How do I preserve my savings? Am I saving enough? Will I have enough? How do I manage different accounts? What about my other goals? Where can I go for 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 ING Retirement Readiness Study Demographics C (01/12) 1,510 full-time workers Age 25+ Household Income $40,000+ June, 2012

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 Employees Lack Financial Confidence C (01/12) Only one-fifth Very confident about their financial situation Experience no financial distress Financially Confident Financially Distressed

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 Comfort Level Making Financial Decisions C (01/12) Only a third are very comfortable. More than half only somewhat comfortable – 10% actively uncomfortable making financial decisions

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 Confidence in Ability to Fulfill Financial Activities C (01/12) Confident (Somewhat and Very) Very Confident Not Confident Less than one fifth are very confident that they are saving enough for retirement

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 10 Significant Challenges for Retirees

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 Ranking of Savings Goals (#1,2,3) C (01/12) Retirement is a critical savings priority. Altruistic goals of lesser importance (i.e. not MAIN savings goal).

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 Thoughts About Retirement C (01/12) Worries and uncertainty about retirement savings and lifestyle more common than confidence and optimism.

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 Mixed Emotions: Words About Retirement C (01/12) Confidence / Optimism Uncertainty / Pessimism Same not about signature line Note to Compliance: Not all exhibits from the study / data set are in the White Paper. There are some in this presentation, and on the infographics, that are not in the white paper.

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 Few Currently Seek Guidance C (01/12) Access Dont Access

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 But, People Want Guidance C (01/12) 87% I think about retirement investment and savings as part of my overall financial picture 74% I would like help managing all of my retirement accounts and options 75% I welcome any help managing my life that my employer offers 74% I would use a phone or internet based financial guidance resource my employer made 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 These would be useful services for an employer to make available C (01/12)

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 Availability (via Employer) of Financial Guidance C (01/12) Available Not 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 Employees Likely to Use if Offered by Employer C (01/12)

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 Finances a Workplace Distraction C (01/12) 34% spend five or more hours, each week, at work, preoccupied with personal finances % of workers # of hours per week

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 Hours (per week), at work, on personal finances C (01/12) At least some time at work on personal finances Money Problems Retirement Worries Checking Financial Accounts Personal Bills Managing Personal Finance Life

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 How Financial Guidance would Change Work Time Spent on Personal Finances C (01/12) For most, access to financial guidance would decrease or not increase impact on work-time spent on finances.

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 Anticipated and Actual of Key Guidance Services C (01/12) Respondents were also given the option would decrease satisfaction or has a negative impact, and in no instance did more than 4% select the negative impact. Average of negative impact responses: 2.5% Would improve my satisfaction with my employer My employer offers it and I appreciate it

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 If employer offered guidance, I would… C (01/12) My employer currently has my best interests at heart 50% Same note about signature line

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 Employee Sentiment C (01/12) I would have a more positive impression of my employer if they offered a more comprehensive set of retirement and financial services benefits and options A workplace retirement savings plan is one of my top considerations when reviewing an employer's benefit plan 75% 81 %

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 C (01/12)

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 C (01/12)