Legal information Please review the following terms and conditions carefully which apply to all persons who proceed to access and view this website. The terms and conditions may be altered or updated. You should read them in full each time you visit this website. By accessing this website and the materials and information contained herein and on other pages accessed through this page (together the "Site"), you acknowledge that you have read, understand, accept and agree to be bound by the terms and conditions below. If you do not agree to these terms and conditions, do not access this Site. The specific terms and conditions of the products and services provided by the relevant issuer prevail over these terms and conditions when conflicting. No liability The information made available on the Site has been produced by ING Bank (Australia) Limited (ABN 024 000 893 292) ("ING Bank") from its offices in Australia 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 accuracy or completeness of the information made available on the Site. 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 in connection with the contents or use of the 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", is subject to change and its provision may be discontinued 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 Site is maintained in Australia by ING Bank. Information on the Site may include information about securities which may from time to time be issued by ING Bank or its related entities, or by trusts managed by ING Bank or its related entities. The information available on this Site may not be suitable for use outside Australia, and the accessibility or distribution of the documents or information available on the Site may be restricted or prohibited by law in certain jurisdictions. Except as may from time to time be expressly stated in this Site, ING Bank has not taken any action in any jurisdiction outside Australia which may be required by law in any such jurisdiction to permit: any information on this Site to be accessed by or on behalf of any person in any such jurisdiction; or the securities referred to on this Site to be offered (directly or indirectly) to prospective investors in any such jurisdiction. By proceeding to access this Site, you agree that: You are responsible for ensuring that in viewing, downloading or distributing any information on this Site, you will comply with all applicable laws; You will not distribute or release any information on this Site in the United States, to any person who is a 'U.S. person' (as defined in Regulation S under the U.S. Securities Act of 1933 (the "Securities Act")) or to any person who is acting for the account or benefit of a U.S. person; and You are responsible for ensuring that any information accessed on or downloaded from this Site is: free of viruses and other destructive items; and in the case of a document, is complete by reference to the number of pages indicated on this Site as constituting a complete version of the document which you view. The information contained in or referred to in the material on this Site is given at the date of such information and should not be taken to be accurate at any other time. No representation or warranty, express or implied, is or will be made that the information and documents contained in or referred to in the material on this Site is necessarily complete or up to date and the information and documents on this Site may not have been updated since they were first prepared, and may not be accurate or up to date by reference to facts or circumstances arising or coming into existence after that time. ING Bank has no responsibility to update the information and documents on this Site having regard to information which becomes available, or facts or circumstances arising or coming into existence after that time or otherwise. Unless it is explicitly stated in relation to a particular document in respect of the AUD 7,500,000,000 Covered Bond Programme of ING Bank (the “Covered Bond Programme”), no information on this Site (i) is incorporated by reference into any prospectus or other offering document relating to the Covered Bond Programme or (ii) supplements any prospectus or other offering document in relation to the Covered Bond Programme. Any transactional summary or pool performance information in relation to securities issued in respect of the Covered Bond Programme does not replace, supplement, form part of or update any prospectus or other offering document in respect of such programme. Except as may from time to time be expressly stated, nothing in this Site constitutes or shall be considered: an offer of securities for issue or sale; or an invitation for applications for securities for issue or purchase; or a solicitation of offers to buy securities; or a recommendation to subscribe for or purchase securities; or any form of (individual) advice or investment advertisement, or any indication as to the suitability of any investment for any particular investor or visitor to this Site. The information on this site does not take into account the investment objectives, financial situation and particular needs of any investor. Before making an investment decision on the basis of the information on the Site, you should consider whether it is appropriate in light of your particular investment needs, objectives and financial circumstance. ING Bank recommends that you seek professional advice before making any form investment decision. The material on this Site is provided in electronic form. Information transmitted via this medium may be altered or changed during the process of transmission and ING Bank accepts no liability or responsibility whatsoever in the event of any such alteration or change during transmission. Unauthorised use of this Site or the material on this Site, including (without limitation) unauthorised access or misuse of any information posted to this Site, is strictly prohibited. The material on this site is for distribution only to persons who are not a "retail client" within the meaning of section 761G of the Corporations Act 2001 (Cth) ("Corporations Act") and are also sophisticated investors, professional investors or other investors in respect of whom disclosure is not required under Part 6D.2 of the Corporations Act and, in all cases, in such circumstances as may be permitted by applicable law in any jurisdiction in which an investor may be located. Each person accessing this site confirms that they are a person who is entitled to do so under all applicable laws, regulations and directives in all applicable jurisdictions. Except as may from time to time be expressly referred to in this site, securities referred to in this Site (whether issued by ING Bank or any of its related entities or by any trust managed by ING Bank or any of its related entities) have not been and will not be registered under the Securities Act or under any other applicable securities laws of any state, province, territory or jurisdiction of the United States. As a result, except as may from time to time be expressly referred to in this Site, no securities referred to in this Site will be offered or sold within the United States or to, or for the account or benefit of, 'U.S. Persons' (as defined in Regulation S under the Securities Act) except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act or the securities laws of any state or other jurisdiction of the United States. In the United Kingdom (the "UK"), the information contained on this Site is addressed to and directed only at (i) persons who have professional experience in matters relating to investments falling within Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, as amended (the "Order"), or (ii) other persons to whom they may otherwise lawfully be communicated (all such persons together being referred to as “relevant persons”). The information contained on this Site must not be acted on or relied on in the United Kingdom, by persons who are not relevant persons. Any investment or investment activity to which the information contained on this Site relates is available only to relevant persons in the United Kingdom and will be engaged in only with such persons. The information on this Site should not be made available to any retail investor in the UK. For these purposes, a "retail investor" means a person who is one (or more) of: (i) a retail client, as defined in point (8) of Article 2 of Regulation (EU) No 2017/565 as it forms part of domestic law by virtue of the European Union (Withdrawal) Act 2018 (the "EUWA"); (ii) a customer within the meaning of the provisions of the Financial Services and Markets Act 2000 (the “FSMA”) and any rules or regulations made under the FSMA to implement Directive (EU) 2016/97, where that customer would not qualify as a professional client, as defined in point (8) of Article 2(1) of Regulation (EU) No 600/2014 as it forms part of domestic law by virtue of the EUWA. No key information document required by Regulation (EU) No 1286/2014 as it forms part of domestic law by virtue of the EUWA (the "UK PRIIPs Regulation") for offering or selling securities or otherwise making them available to retail investors in the UK has been prepared and therefore offering or selling securities or otherwise making them available to any retail investor in the UK may be unlawful under the UK PRIIPs Regulation. The information on this Site should not be made available to any retail investor in the European Economic Area (the "EEA"). For these purposes, a "retail investor" means a person who is one (or more) of: (i) a retail client as defined in point (11) of Article 4(1) of Directive 2014/65/EU (as amended, "MiFID II"); (ii) a customer within the meaning of Directive (EU) 2016/97 (as amended, the "Insurance Distribution Directive"), where that customer would not qualify as a professional client as defined in point (10) of Article 4(1) of MiFID II; or (iii) not a qualified investor as defined in Regulation (EU) 2017/1129 (as amended, the "Prospectus Regulation"). No key information document required by Regulation (EU) No 1286/2014 (the "PRIIPs Regulation") for offering or selling securities or otherwise making them available to retail investors in the EEA has been or will be prepared and therefore offering or selling securities or otherwise making them available to any retail investor in the EEA may be unlawful under the PRIIPs Regulation. ING Bank is a company incorporated under the Corporations Act. Linked internet sites ING Group N.V. comprises a broad group of companies, including its subsidiary ING Bank (hereinafter: the "ING companies"). Many of the ING companies operate under their own brand names. Each ING company, business unit or product group, may have its own website on the internet where it offers information about its products and services. On this Site reference may be made to a number of those websites by providing hyperlinks from this Site to a website maintained by another ING company, business unit or product group. Users are advised that information on hyperlinked or referred-to websites is neither investigated nor endorsed by any of 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 on the websites maintained by other ING companies, business units or product groups websites or any other hyperlinked or referred-to websites. The ING companies are not responsible for the content of any other internet websites linked to a website maintained by any of them. A link to another website is meant for convenience only and does not imply that any ING company (including ING Bank) endorses the website or any products or services that it describes. Your access to and use of any other internet websites 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 website 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 trademarks which are either owned by ING Bank or used with the permission of the registered trade mark owners. When you use this Site, we grant you a limited licence to display on your computer, print, download 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 website any part of this 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 Australian Privacy Principles regulated by the Australian Information 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 Companies may have various potential or actual conflicts of interest arising in the course of their business. These may conflict with the interests of a potential investor and a potential investor may suffer loss as a result. To the maximum extent permitted by law, no ING Company or any of their directors, employees, agents and advisors is restricted from entering into, performing or enforcing their rights with respect to any transaction or dealing referred to in the materials available on this Site and may otherwise continue to take steps to further or protect any of their interests and their business (even where to do so may be in conflict with the interests of a potential investor or another party to any such transaction) and may do so without notice to, or regard to, the interests of any such person. Credit rating Reference may be made on the Site to ratings issued by a ratings agency. A credit rating is not a recommendation to buy, sell or hold securities and may be subject to revision, suspension or withdrawal at any time by the relevant rating agency. Accordingly, any user of credit ratings issued by any such rating agency should not rely on any such ratings or other opinion issued by the rating agencies in making any investment decision. Credit ratings are for distribution only to a person (a) who is not a retail client within the meaning of the Corporations Act and is also a sophisticated investor, professional investor or other investor in respect of whom disclosure is not required under Part 6D.2 or Part 7.9 of the Corporations Act, and (b) who is otherwise permitted to receive credit ratings in accordance with applicable law in any jurisdiction in which the person may be located. Anyone who is not such a person is not entitled to receive this document or any Information and anyone who receives this document, or any Information must not distribute it to any person who is not entitled to receive it. Governing law and jurisdiction Your access to, visit and use of this Site and this 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, "U.S. persons" as defined in Rule 902(k) of Regulation S under the Securities Act, any person acting for the account or benefit of a U.S. person, persons who are "Retail Clients" within the meaning of section 761G of the Corporations Act, or any person in any other jurisdiction whose laws restrict or prohibit a person from accessing the information contained in this Site. Therefore, without limiting anything above, in order to view the materials on this Site you must make the following certifications: I certify that: I am NOT: a 'U.S. Person' (as defined in Regulation S under the Securities Act) or acting for the account or benefit of a 'U.S. person'; located in the United States located in the United Kingdom, or otherwise I am a "relevant person", being a person who (i) has professional experience in matters relating to investments falling within Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, as amended (the "Order"); or (ii) otherwise a person to whom the information contained on this Site may otherwise lawfully be communicated; and located in any other jurisdiction whose laws restrict or prohibit me from accessing the information contained on this Site; I am NOT a "retail client" within the meaning of section 761G of the Corporations Act; I am NOT a "retail investor" meaning a person who is one (or more) of the following: a retail client as defined in point (11) of Article 4(1) of Directive 2014/65/EU (as amended, "MiFID II"); or a customer within the meaning of Directive (EU) 2016/97 (as amended, the "Insurance Distribution Directive"), where that customer would not qualify as a professional client as defined in point (10) of Article 4(1) of MiFID II; and I am NOT a "retail investor" meaning a person who is one (or more) of the following: a retail client, as defined in point (8) of Article 2 of Regulation (EU) No 2017/565 as it forms part of domestic law by virtue of the European Union (Withdrawal) Act 2018 ("EUWA"); and a customer within the meaning of the provisions of the FSMA and any rules or regulations made under the FSMA to implement Directive (EU) 2016/97, where that customer would not qualify as a professional client, as defined in point (8) of Article 2(1) of Regulation (EU) No 600/2014 as it forms part of domestic law by virtue of the EUWA; 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 or to any person in circumstances where the provision of the document or material would not comply with all laws and regulations in any applicable jurisdiction; and I am a "qualified investor" within the meaning of Regulation (EU) 2017/1129; and I am a "qualified investor" within the meaning of Article 2 of Regulation (EU) 2017/1129 as it forms part of domestic law by virtue of the EUWA. 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Legal information Please review the following terms and conditions carefully which apply to all persons who proceed to access and view this website. The terms and conditions may be altered or updated. You should read them in full each time you visit this website. By accessing this website and the materials and information contained herein and on other pages accessed through this page (together the "Site"), you acknowledge that you have read, understand, accept and agree to be bound by the terms and conditions below. If you do not agree to these terms and conditions, do not access this Site. The specific terms and conditions of the products and services provided by the relevant issuer prevail over these terms and conditions when conflicting. No liability The information made available on the Site has been produced by ING Bank (Australia) Limited (ABN 024 000 893 292) ("ING Bank") from its offices in Australia 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 accuracy or completeness of the information made available on the Site. 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 in connection with the contents or use of the 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", is subject to change and its provision may be discontinued 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 Site is maintained in Australia by ING Bank. Information on the Site may include information about securities which may from time to time be issued by ING Bank or its related entities, or by trusts managed by ING Bank or its related entities. The information available on this Site may not be suitable for use outside Australia, and the accessibility or distribution of the documents or information available on the Site may be restricted or prohibited by law in certain jurisdictions. Except as may from time to time be expressly stated in this Site, ING Bank has not taken any action in any jurisdiction outside Australia which may be required by law in any such jurisdiction to permit: any information on this Site to be accessed by or on behalf of any person in any such jurisdiction; or the securities referred to on this Site to be offered (directly or indirectly) to prospective investors in any such jurisdiction. By proceeding to access this Site, you agree that: You are responsible for ensuring that in viewing, downloading or distributing any information on this Site, you will comply with all applicable laws; You will not distribute or release any information on this Site in the United States, to any person who is a 'U.S. person' (as defined in Regulation S under the U.S. Securities Act of 1933 (the "Securities Act")) or to any person who is acting for the account or benefit of a U.S. person; and You are responsible for ensuring that any information accessed on or downloaded from this Site is: free of viruses and other destructive items; and in the case of a document, is complete by reference to the number of pages indicated on this Site as constituting a complete version of the document which you view. The information contained in or referred to in the material on this Site is given at the date of such information and should not be taken to be accurate at any other time. No representation or warranty, express or implied, is or will be made that the information and documents contained in or referred to in the material on this Site is necessarily complete or up to date and the information and documents on this Site may not have been updated since they were first prepared, and may not be accurate or up to date by reference to facts or circumstances arising or coming into existence after that time. ING Bank has no responsibility to update the information and documents on this Site having regard to information which becomes available, or facts or circumstances arising or coming into existence after that time or otherwise. Unless it is explicitly stated in relation to a particular document in respect of the AUD 7,500,000,000 Covered Bond Programme of ING Bank (the “Covered Bond Programme”), no information on this Site (i) is incorporated by reference into any prospectus or other offering document relating to the Covered Bond Programme or (ii) supplements any prospectus or other offering document in relation to the Covered Bond Programme. Any transactional summary or pool performance information in relation to securities issued in respect of the Covered Bond Programme does not replace, supplement, form part of or update any prospectus or other offering document in respect of such programme. Except as may from time to time be expressly stated, nothing in this Site constitutes or shall be considered: an offer of securities for issue or sale; or an invitation for applications for securities for issue or purchase; or a solicitation of offers to buy securities; or a recommendation to subscribe for or purchase securities; or any form of (individual) advice or investment advertisement, or any indication as to the suitability of any investment for any particular investor or visitor to this Site. The information on this site does not take into account the investment objectives, financial situation and particular needs of any investor. Before making an investment decision on the basis of the information on the Site, you should consider whether it is appropriate in light of your particular investment needs, objectives and financial circumstance. ING Bank recommends that you seek professional advice before making any form investment decision. The material on this Site is provided in electronic form. Information transmitted via this medium may be altered or changed during the process of transmission and ING Bank accepts no liability or responsibility whatsoever in the event of any such alteration or change during transmission. Unauthorised use of this Site or the material on this Site, including (without limitation) unauthorised access or misuse of any information posted to this Site, is strictly prohibited. The material on this site is for distribution only to persons who are not a "retail client" within the meaning of section 761G of the Corporations Act 2001 (Cth) ("Corporations Act") and are also sophisticated investors, professional investors or other investors in respect of whom disclosure is not required under Part 6D.2 of the Corporations Act and, in all cases, in such circumstances as may be permitted by applicable law in any jurisdiction in which an investor may be located. Each person accessing this site confirms that they are a person who is entitled to do so under all applicable laws, regulations and directives in all applicable jurisdictions. Except as may from time to time be expressly referred to in this site, securities referred to in this Site (whether issued by ING Bank or any of its related entities or by any trust managed by ING Bank or any of its related entities) have not been and will not be registered under the Securities Act or under any other applicable securities laws of any state, province, territory or jurisdiction of the United States. As a result, except as may from time to time be expressly referred to in this Site, no securities referred to in this Site will be offered or sold within the United States or to, or for the account or benefit of, 'U.S. Persons' (as defined in Regulation S under the Securities Act) except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act or the securities laws of any state or other jurisdiction of the United States. In the United Kingdom (the "UK"), the information contained on this Site is addressed to and directed only at (i) persons who have professional experience in matters relating to investments falling within Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, as amended (the "Order"), or (ii) other persons to whom they may otherwise lawfully be communicated (all such persons together being referred to as “relevant persons”). The information contained on this Site must not be acted on or relied on in the United Kingdom, by persons who are not relevant persons. Any investment or investment activity to which the information contained on this Site relates is available only to relevant persons in the United Kingdom and will be engaged in only with such persons. The information on this Site should not be made available to any retail investor in the UK. For these purposes, a "retail investor" means a person who is one (or more) of: (i) a retail client, as defined in point (8) of Article 2 of Regulation (EU) No 2017/565 as it forms part of domestic law by virtue of the European Union (Withdrawal) Act 2018 (the "EUWA"); (ii) a customer within the meaning of the provisions of the Financial Services and Markets Act 2000 (the “FSMA”) and any rules or regulations made under the FSMA to implement Directive (EU) 2016/97, where that customer would not qualify as a professional client, as defined in point (8) of Article 2(1) of Regulation (EU) No 600/2014 as it forms part of domestic law by virtue of the EUWA. No key information document required by Regulation (EU) No 1286/2014 as it forms part of domestic law by virtue of the EUWA (the "UK PRIIPs Regulation") for offering or selling securities or otherwise making them available to retail investors in the UK has been prepared and therefore offering or selling securities or otherwise making them available to any retail investor in the UK may be unlawful under the UK PRIIPs Regulation. The information on this Site should not be made available to any retail investor in the European Economic Area (the "EEA"). For these purposes, a "retail investor" means a person who is one (or more) of: (i) a retail client as defined in point (11) of Article 4(1) of Directive 2014/65/EU (as amended, "MiFID II"); (ii) a customer within the meaning of Directive (EU) 2016/97 (as amended, the "Insurance Distribution Directive"), where that customer would not qualify as a professional client as defined in point (10) of Article 4(1) of MiFID II; or (iii) not a qualified investor as defined in Regulation (EU) 2017/1129 (as amended, the "Prospectus Regulation"). No key information document required by Regulation (EU) No 1286/2014 (the "PRIIPs Regulation") for offering or selling securities or otherwise making them available to retail investors in the EEA has been or will be prepared and therefore offering or selling securities or otherwise making them available to any retail investor in the EEA may be unlawful under the PRIIPs Regulation. ING Bank is a company incorporated under the Corporations Act. Linked internet sites ING Group N.V. comprises a broad group of companies, including its subsidiary ING Bank (hereinafter: the "ING companies"). Many of the ING companies operate under their own brand names. Each ING company, business unit or product group, may have its own website on the internet where it offers information about its products and services. On this Site reference may be made to a number of those websites by providing hyperlinks from this Site to a website maintained by another ING company, business unit or product group. Users are advised that information on hyperlinked or referred-to websites is neither investigated nor endorsed by any of 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 on the websites maintained by other ING companies, business units or product groups websites or any other hyperlinked or referred-to websites. The ING companies are not responsible for the content of any other internet websites linked to a website maintained by any of them. A link to another website is meant for convenience only and does not imply that any ING company (including ING Bank) endorses the website or any products or services that it describes. Your access to and use of any other internet websites 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 website 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 trademarks which are either owned by ING Bank or used with the permission of the registered trade mark owners. When you use this Site, we grant you a limited licence to display on your computer, print, download 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 website any part of this 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 Australian Privacy Principles regulated by the Australian Information 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 Companies may have various potential or actual conflicts of interest arising in the course of their business. These may conflict with the interests of a potential investor and a potential investor may suffer loss as a result. 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Jump to: Important Documents Covered Bond Investor Reports Harmonised Transparency Template (HTT) Contact Important documents Prospectus Back to top Covered Bond Investor Reports 2024 January February March April May June July August September October 2023 January February March April May June July August September October November December 2022 January February March April May June July August September October November December 2021 January February March April May June July August September October November December 2020 January February March April May June July August September October November December 2019 January February March April May June July August September October November December 2018 June July August September October November December Back to top Harmonised Transparency Template (HTT) IBAL is a Covered Bond Label Issuer (non-EEA). 2024 30 September 2024 Contact Email: SecuredFunding.au@ing.com Phone number: +61 2 9028 4137 Back to top
