1. 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 www.ing-presentations.intranet 1

2. Do not put content on the brand signature area Arts & Culture; A Unique Sellingpoint drs Annabelle BirnieING Art Management24 October 2012

3. 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 www.ing-presentations.intranet 3 ING Art Management In house specialists Modern and Contemporary Art Investment in Art Art Funds Fiscal & Legal Aspects of Collecting State acknowledged Valuations and Appraisals Insurance Annabelle Birnie Director Corporate Sponsoring, Art & Events Certified Valuer Modern and Contemporary Art

4. 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 www.ing-presentations.intranet 4 Enjoyment Decoration Cultural stimulus Education Public Relations Responsibility to society A Unique Sellingpoint ING Collection; Why? Matthijs Röling (1943) De vier jaargetijden 1975/1976 oil on canvas 91 x 80 cm

5. 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 www.ing-presentations.intranet 55 ING Collection: Focus Contemporary PaintingsSculpturesPrintsPhotography

6. 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 www.ing-presentations.intranet 6 Art Management activities ING Collection Decoration ING Offices Exhibitions Art Projects Arts & Culture sponsoring Corporate responsibility Symposia, conferences & events Publication and advertising Guided tours for clients and prospects Charity Art Management Services

7. 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 www.ing-presentations.intranet 7 Decoration ING Offices Art in the Office “What art offers is space - a certain breathing room for the spirit”

8. 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 www.ing-presentations.intranet 8 ING Exhibitions 2011-2012 Art Space to be determined, November 2011, Seoul, Korea Drents Museum Assen, Opening exhibition Tang November- December 2011 Museum Henriette Polak, Oktober–December 2011, The Netherlands, Zutphen University Museum, Seoul Korea, Spring 2012 Museum of Modern Art, Autumn 2012 Sao Paulo, Brazil More information about activities concerning the ING Collection: www.ingartcollection.com www.artmanagement.intranet

9. 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 www.ing-presentations.intranet 9 Sponsorship Arts & Culture (selection) Rijksmuseum Amsterdam Moma New York Carré theatre Royal Concertgebouw Orchestra TEFAF; The European Fine Art Fair

10. 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 www.ing-presentations.intranet 10 Corporate Responsiblity through Art & Culture Chances for Children (eBay, calender, christmas card) Auctions (tours, artworks) Jury’s and fundraisers Donation of 273 artworks to Drents Museum Assen Donation of 2500 artworks to 64 healthcare institutions in the Netherlands

11. 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 www.ing-presentations.intranet 11 Art Symposia, conferences and events - Artists and entrepeneurship, - Great Expectations Art & Opportunities in the United Arab Emirates, ING House - Social Media, ING House

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 www.ing-presentations.intranet 12 Publications and advertising Catalogues and books Calendar, art diaries Articles in magazines & newspapers Promotional movies

13. 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 www.ing-presentations.intranet 13 Guided tours for clients and prospects > At various Art Museums > In our own offices

14. 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 www.ing-presentations.intranet 14 Sharing Knowledge and advise ING Art Management advises customers and prospects of ING on collecting art Art Management Services is developed in cooperation with ING Private Banking Jonathan Lasker (1948), Real imaginary, 1994, oil on canvas, 163 x 213 cm.

15. 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 www.ing-presentations.intranet 15 The Art Market Primairy market Starting and unknown artists Small galleries Local art markets Secundairy market Renowned artists Private and museum collections Known galleries and auctionhouses Tertiairy market International renowned artists publications International collections International auctionhouses

16. 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 www.ing-presentations.intranet 16 The Art Market Hype art market because of art investment funds Decreased sales value in art of 30-40% in 2009 vs. August 2008 Worldwide turnover in Art in 2009 decreased from $42 to $30 billion Fast market recovery in 2010- 2012 An art work can never go bankrupt Source: Art Market Trends 2011

17. 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 www.ing-presentations.intranet 17 Art Investment; general remarks Buy countercyclical Spread risks Long term Expertise Do not buy emotional Chávez Morado José (1909-2002) El adobera, 1980 Oil on canvas, 99 x 118 cm ING Mexico

18. 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 www.ing-presentations.intranet Arts & Culture; A Unique Sellingpoint You can only be Unique if you know what others are doing Your branding Strategy or Company- Private Image is leading Arts & Culture builds bridges across cultures Arts & Culture make us look at the world differently Arts & Culture address sensitive topics Artists cannot be influenced by business people in the creativity process Arts & Culture are non- profit Arts & Culture connect Your effort makes or brakes the success 18 Jan van Munster, Ich im Dialog I, 2005, Unna Germany

19. 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 www.ing-presentations.intranet

20. 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 www.ing-presentations.intranet 20 Disclaimer Certain of the statements contained in this release are statements of future expectations and other forward-looking statements. These expectations are based on management’s current views and assumptions and involve known and unknown risks and uncertainties. Actual results, performance or events may differ materially from those in such statements due to, among other things, (i) general economic conditions, in particular economic conditions in ING’s core markets, (ii) changes in the availability of, and costs associated with, sources of liquidity such as interbank funding, as well as conditions in the credit markets generally, including changes in borrower and counterparty creditworthiness, (iii) the frequency and severity of insured loss events, (iv) mortality and morbidity levels and trends, (v) persistency levels, (vi) interest rate levels, (vii) currency exchange rates, (viii) general competitive factors, (ix) changes in laws and regulations, and (x) changes in the policies of governments and/or regulatory authorities. ING assumes no obligation to update any forward-looking information contained in this document.

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 www.ing-presentations.intranet 21