Common Contracts

ING GROEP N.V. (a public limited liability company with corporate seat in Amsterdam, The Netherlands) UNDERWRITING AGREEMENT DATED: June 10, 2008

Underwriting Agreement • June 17th, 2008 • Ing Groep Nv • Life insurance • New York

• Contract Type
  Underwriting Agreement
• Filed
  June 17th, 2008
• Company
  Ing Groep Nv
• Industry
  Life insurance
• Jurisdiction
  New York

Merrill Lynch, Pierce, Fenner & Smith Incorporated Citigroup Global Markets Inc. ING Financial Markets LLC Morgan Stanley & Co. Incorporated

ING GROEP N.V. (a public limited liability company with corporate seat in Amsterdam, The Netherlands) UNDERWRITING AGREEMENT DATED: September 27, 2007

Underwriting Agreement • October 3rd, 2007 • Ing Groep Nv • Life insurance • New York

• Contract Type
  Underwriting Agreement
• Filed
  October 3rd, 2007
• Company
  Ing Groep Nv
• Industry
  Life insurance
• Jurisdiction
  New York

ING Groep N.V., a public limited liability company incorporated under the laws of The Netherlands (the “Company”), confirms its agreement (this “Agreement”) with Citigroup Global Markets Inc. (“Citigroup”), ING Financial Markets LLC (“ING Financial”) and Wachovia Capital Markets, LLC (“Wachovia”) and each of the other Underwriters named in Schedule A hereto (collectively, the “Underwriters,” which term shall also include any underwriter substituted as provided in Section 10 hereof), for whom Citigroup, ING Financial and Wachovia are acting as representatives (in such capacity, hereinafter referred to as the “Representatives”), with respect to the sale by the Company and the purchase by the Underwriters, acting severally and not jointly, of the respective principal amount of the Company’s 7.375% Perpetual Hybrid Capital Securities (the “Securities”) set forth opposite their names in Schedule A hereto.

ING GROEP N.V. (a public limited liability company with corporate seat in Amsterdam, The Netherlands) UNDERWRITING AGREEMENT DATED: June 6, 2007

Underwriting Agreement • June 12th, 2007 • Ing Groep Nv • Life insurance • New York

• Contract Type
  Underwriting Agreement
• Filed
  June 12th, 2007
• Company
  Ing Groep Nv
• Industry
  Life insurance
• Jurisdiction
  New York

ING Groep N.V., a public limited liability company incorporated under the laws of The Netherlands (the “Company”), confirms its agreement (this “Agreement”) with Citigroup Global Markets Inc. (“Citigroup”), ING Financial Markets LLC (“ING Financial”) and Morgan Stanley & Co. Incorporated (“Morgan Stanley”) and each of the other Underwriters named in Schedule A hereto (collectively, the “Underwriters,” which term shall also include any underwriter substituted as provided in Section 10 hereof), for whom ING Financial, Morgan Stanley and Citigroup are acting as representatives (in such capacity, hereinafter referred to as the “Representatives”), with respect to the sale by the Company and the purchase by the Underwriters, acting severally and not jointly, of (i) the respective principal amount of the Company’s 6.375% ING Perpetual Hybrid Capital Securities (the “Initial Underwritten Securities”) set forth opposite their names in Schedule A hereto and (ii) the granting of an option to the