Disclaimer
Certain of the statements contained herein 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) performance of financial
markets, including developing markets, (iii) the implementation
of ING’s restructuring plan to separate banking and insurance operations,
(iv) 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, (v) the frequency and severity of
insured loss events, (vi) mortality and morbidity levels and trends,
(vii) persistency levels, (viii) interest rate levels, (ix) currency
exchange rates, (x) general competitive factors, (xi) changes in
laws and regulations, (xii) changes in the policies of governments
and/or regulatory authorities, (xiii) conclusions with regard to
purchase accounting assumptions and methodologies, (xiv) changes
in ownership that could affect the future availability to us of
net operating loss, net capital loss and built-in loss carryforwards,
and (xv) ING's ability to achieve projected operational synergies.
ING assumes no obligation to update any forward-looking information
contained in this document.