ING Direct 2008 Annual Report Download - page 283

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 2008 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
PlantijnCasparie Capelle a/d IJssel
Disclaimer
Certain of the statements contained in this Annual Report
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.
General Information
281
ING Group Annual Report 2008