ING Direct 2009 Annual Report Download - page 310

ING PUBLICATIONS
– Annual Report, in Dutch and English
– Annual Report on Form 20-F, in English
(in accordance with SEC guidelines)
These publications are available on www.ing.com.
The publications can be ordered on the internet:
www.ing.com, button ‘Publications’,
by fax: [phone], or
by mail: P.O. Box 258, 5280 AG Boxtel, the Netherlands.
This Annual Report contains the Reports of the Executive Board
and Supervisory Board as well as the Annual Accounts and
Other information for the financial year 2009 in their original
language (English).
ING Groep N.V.
Amstelveenseweg 500, 1081 KL Amsterdam
P.O. Box 810, 1000 AV Amsterdam
The Netherlands
Telephone [phone]
Fax [phone]
Commercial Register of Amsterdam, no. 33231073
WRITTEN AND PRODUCED BY
ING Groep N.V.
Corporate Communications, Amsterdam
DESIGNED BY
Addison Corporate Marketing, London
PRINTED BY
Drukkerij Tesink, Zutphen
Disclaimer
Certain of the statements contained in this Annual Report that are
not historical facts, including, without limitation, certain statements
made 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) changes in general economic conditions, in
particular economic conditions in ING’s core markets, (2) changes in
performance of financial markets, including developing markets,
(3) the implementation of ING’s restructuring plan to separate
banking and insurance operations, (4) 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,
(5) the frequency and severity of insured loss events, (6) changes
affecting mortality and morbidity levels and trends, (7) changes
affecting persistency levels, (8) changes affecting interest rate levels,
(9) changes affecting currency exchange rates, (10) changes in
general competitive factors, (11) changes in laws and regulations,
(12) changes in the policies of governments and/or regulatory
authorities, (13) conclusions with regard to purchase accounting
assumptions and methodologies, (14) changes in ownership that
could affect the future availability to us of net operating loss, net
capital and built-in loss carry forwards, and (15) ING’s ability to
achieve projected operational synergies. ING assumes no obligation
to publicly update or revise any forward-looking statements, whether
as a result of new information or for any other reason.
General Information
2.4 Additional information
ING Group Annual Report 2009
308