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LEGAL INFORMATION

Please review the following terms and conditions carefully. By accessing this web site (the "Site") and the materials and information contained herein, you acknowledge that you have read, understand, accept and agree to be bound by the terms and conditions below. The specific conditions of the products and services provided by the relevant issuer prevail over these terms and conditions when conflicting.

No Liability

The information contained herein has been produced by ING Bank (Australia) Limited (ABN 024 000 893 292) ("ING Bank") with utmost care and while obtained from sources believed to be reliable, ING Bank makes no guarantee, warranty or representation, express or implied, as to its accuracy or completeness. Neither ING Bank nor any of its affiliates, accepts any liability whatsoever (including, without limitation, any liability arising from any fault or negligence on the part of ING Bank) for any loss arising from the use of this material or otherwise arising in connection with the contents or use of this Site. The exclusion of liability is also made for the benefit of directors, employees, agents and advisors of ING Bank and its affiliates. All information on this Site, including but not limited to graphics, text and links to other sites, is provided "as is" and "as available" and is subject to change without prior notice. Such information is provided, to the fullest extent permissible pursuant to applicable law, without warranty of any kind express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices. ING Bank does not warrant the error free and uninterrupted service of this Site.

Legal information

The use of this Site may be subject to legislation other than Australian legislation. Users should ensure for their own benefit if use of this Site does not contradict any such legislation.

This Site is solely intended for informational purposes and does not constitute an offer, an invitation, inducement, solicitation or recommendation to subscribe for or purchase any security (including, without limitation, any of those terms defined or used in the U.S. Securities Act of 1933, as amended, (the "Securities Act"), the UK Financial Services and Markets Act 2000 or the Corporations Act 2001 (Commonwealth of Australia) ("Corporations Act")). This Site does not constitute any form of (individual) advice or investment advertisement nor does it determine the suitability of any investment for any particular investor or visitor of this web site. Any use of the contents on this Site without verification and further advice will be for your own account and risk. The Site shall not form the basis of any contract or commitment whatsoever. No sale of any securities described on this Site will occur in any jurisdiction in which such offer, invitation, inducement, solicitation, recommendation or sale would be unlawful.

This Site is maintained in Australia by ING Bank. Information on this Site may not be suitable for use outside Australia.

Viewing the information on this Site may not be lawful in certain jurisdictions. In other jurisdictions only certain categories of persons may be allowed to view this information. Any person that resides outside of Australia who wishes to view this site must first satisfy themselves that they are not subject to any local requirements which prohibit or restrict them from doing so.

In particular, this Site is not directed at or intended for use by:

  1. any party in the United States or 'U.S. Persons' (as defined in Regulation S under the Securities Act);
  2. any person in the United Kingdom other than persons who are qualifying high net worth companies, unincorporated associations, trustees and other persons who fall within the exemption in article 49 of the UK Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 ("FPO") and within article 19 of the FPO; or
  3. any person in any other jurisdiction that does not permit the viewing of materials on this Site.

This exclusion also applies to persons acting on behalf of persons from the above jurisdictions.

No securities of ING Bank have been or will be registered under the Securities Act, or under applicable securities laws of any state of the United States. As a result, no securities of ING Bank will be offered or sold within the United States or to 'U.S. Persons' (as defined in Regulation S under the Securities Act), except pursuant to an exemption from the registration requirements of the Securities Act.

ING Bank is a company incorporated under the Corporations Act.

Linked Internet Sites

ING Groep N.V. comprises a broad spectrum of companies, including its subsidiary ING Bank (hereinafter: the "ING companies"). Many of the ING companies operate under their own brand names. Almost every ING company, business unit or product group, has its own web site on the internet where it offers information about its products and services. On this Site reference may be made to a number of those web sites for further details by providing hyperlinks from this Site to those ING companies, business units and product groups.

Users are advised that information on hyperlinked or referred-to web sites is neither investigated nor endorsed by the ING companies. No warranty or representation, express or implied, is given as to the accuracy or completeness of that information. In no event will ING Bank accept any liability with regard to the information contained in the individual ING companies', business unit or product group's web sites or any other hyperlinked or referred-to web sites.

The ING companies are not responsible for the content of any other internet sites linked to a site. A link to another site is meant for convenience only and does not imply that the ING companies endorse the Site or any products or services that it describes. Your access to and use of any other internet sites linked to or from this site is at your own risk and the ING companies assume no obligation or liability in connection therewith. The ING companies reserve the right to terminate any link or linking program at any time.

By accessing this Site, you also agree to abide by the proprietary guidelines set forth at any web site accessed or linked to through this Site.

Copyright

Copyright in the content of this Site is owned by ING Bank unless otherwise indicated. This Site also contains a number of registered trade marks which are either owned by ING Bank or used with the permission of the registered trade mark owners.

When you use the Site, we grant you a limited licence to display on your computer, print, down load and use the underlying HTML, text, hyperlinks, information, content and transaction facilities made available on the site for your personal use and records only and in consulting with your advisers.

You are not authorised or permitted to modify, alter, transfer, transmit, distribute, reproduce, interfere with the working, reverse engineer, remove, create, distribute, paste onto, link to or from another web site any part of the Site.

Privacy

At ING Bank, we are committed to ensuring the confidentiality and security of your personal information. We are bound by the Australian Privacy Act and the National Privacy Principles regulated by the Federal Privacy Commissioner to guide us in our responsible handling of personal information.

You can view ING Bank's Privacy Policy. You can also request a copy by either calling or writing to us.

ING Bank collects and stores some visitor information regarding the usage of this Site, such as date and time of day you access this Site, browser type, browser language, the Internet Protocol (IP) address of the computer you are using, number of hits, the pages visited, previous/subsequent sites visited and length of user session. ING Bank does not collect any unique information about you (such as your name, e-mail address, etc.) except when you specifically and knowingly provide such information.

The information mentioned above is gathered by using a cookie. A cookie is a small line of text that is stored by your browser on your computer's hard drive. Our cookies do not contain any personally identifiable information.

Most web browsers automatically accept cookies, but you can usually alter the setting of your browser to prevent that. If you do not wish to receive cookies, please refer to the "help" file of your Internet browser to learn how to either block all cookies or receive a warning before a cookie is stored.

This Privacy Statement may be modified from time to time to comply with applicable laws or to reflect our updated business practices, without prior notice. Please check this page from time to time for any changes.

Disclosure of interests

ING Bank or its employees may, from time to time, maintain a long or short position in securities referred to on this Site or other securities of issuers referred to on this Site or in related futures or options; purchase or sell, make a market in, or engage in any other transactions involving such securities or issuers, earn brokerage or other compensation in respect of the foregoing; and provide investment banking, credit or other services to any issuer named on this Site. ING Bank may have acted as manager or co-manager of a public offering of securities discussed on this Site.

Governing Law and Jurisdiction

Your access to, visit and use of this Site and the disclaimer are governed by and shall be construed in accordance with the law of New South Wales and the Commonwealth of Australia. The Courts of New South Wales or the Commonwealth of Australia shall have exclusive jurisdiction over any dispute relating thereto.

Confirmation of understanding and acceptance of disclaimer

This website is not targeted to persons in the United States or "U.S. persons" as defined in Rule 902(k) of Regulation S under the Securities Act), the United Kingdom or any other jurisdiction that does not permit you to view materials on this Site.

Therefore, in order to view these materials on this Site you must make the following certification:

I certify that I am not located in the United States and am not a 'U.S. Person' (as defined in Regulation S under the Securities Act) , the United Kingdom, or any other jurisdiction that restricts or prohibits me from accessing the information contained on this Site.

I certify that I will not make a copy of any document or any other material contained in this Site available to, or distribute a copy of such documents or other material to such persons mentioned above.

Country selection

Please enter the country where you reside or are accessing this Site:


I certify that the country selected by me in order to access this Site is true and accurate.

User acknowledgement

I acknowledge that I have read the above disclaimer and understand and agree with its contents.