1. 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)

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 www.ing-presentations.intranet 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 www.ING.com/us 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 CN0307-8477-0415 Important Information 2

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 Being Ready C12-0104-058 (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

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 Readiness is Has Many Levels C12-0104-058 (01/12)

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 Retirement Readiness C12-0104-058 (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?

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 ING Retirement Readiness Study Demographics C12-0104-058 (01/12) 1,510 full-time workers Age 25+ Household Income $40,000+ June, 2012

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 Employees Lack Financial Confidence C12-0104-058 (01/12) Only one-fifth Very confident about their financial situation Experience no financial distress Financially Confident Financially Distressed

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 Comfort Level Making Financial Decisions C12-0104-058 (01/12) Only a third are very comfortable. More than half only somewhat comfortable – 10% actively uncomfortable making financial decisions

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 Confidence in Ability to Fulfill Financial Activities C12-0104-058 (01/12) Confident (Somewhat and Very) Very Confident Not Confident Less than one fifth are very confident that they are saving enough for retirement

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 Significant Challenges for Retirees

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 Ranking of Savings Goals (#1,2,3) C12-0104-058 (01/12) Retirement is a critical savings priority. Altruistic goals of lesser importance (i.e. not MAIN savings goal).

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 Thoughts About Retirement C12-0104-058 (01/12) Worries and uncertainty about retirement savings and lifestyle more common than confidence and optimism.

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 Mixed Emotions: Words About Retirement C12-0104-058 (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.

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 Few Currently Seek Guidance C12-0104-058 (01/12) Access Dont Access

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 But, People Want Guidance C12-0104-058 (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

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 These would be useful services for an employer to make available C12-0104-058 (01/12)

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 Availability (via Employer) of Financial Guidance C12-0104-058 (01/12) Available Not Available

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 Employees Likely to Use if Offered by Employer C12-0104-058 (01/12)

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 Finances a Workplace Distraction C12-0104-058 (01/12) 34% spend five or more hours, each week, at work, preoccupied with personal finances % of workers # of hours per week

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 Hours (per week), at work, on personal finances C12-0104-058 (01/12) At least some time at work on personal finances Money Problems Retirement Worries Checking Financial Accounts Personal Bills Managing Personal Finance Life

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 How Financial Guidance would Change Work Time Spent on Personal Finances C12-0104-058 (01/12) For most, access to financial guidance would decrease or not increase impact on work-time spent on finances.

22. 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 Anticipated and Actual of Key Guidance Services C12-0104-058 (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

23. 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 If employer offered guidance, I would… C12-0104-058 (01/12) My employer currently has my best interests at heart 50% Same note about signature line

24. 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 Employee Sentiment C12-0104-058 (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 %

25. 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 C12-0104-058 (01/12)

26. 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 C12-0104-058 (01/12)