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# Lions call the shots on their money. Earn up to 5.40% p.a.

Earn up to

5.40 % p.a.

Variable rate

Get your money roaring - with a Savings Maximiser, you can enjoy the benefit of €0 ongoing account fees. Plus, if you add an Orange Everyday account and meet the monthly criteria, you could also earn a 5.40% p.a. variable interest rate on up to €100K.

Standard variable rate of % p.a. + additional variable rate of % p.a. on one eligible Savings Maximiser up to €100,000.

Find out more

#### Extra care and support

We're here to help with life's curveballs.

Find out more

#### Financial Support

Need Financial Support with your Home Loan, Personal Loan or Credit Card?

Find out more

#### KYC

Find out more about the Know Your Customer process.

KYC

## See how ING can help you

Learn more in this quick and easy guide to banking with ING.

- Banking & saving
- Credit Cards
- Personal loans
- Buying property
- Building wealth
- Business

## Easy access to everyday banking with great benefits.

Don't overcomplicate your everyday banking. With Orange Everyday and Savings Maximiser the choice is yours on how you want to pay. Here's how ING could help.

##### EVERYDAY BANKING

Orange Everyday

You could get 1% cashback on eligible utility bills. T&Cs apply.

€0 ING international transaction fees when you shop online and overseas.

Save on fees with up to 5 rebated ATM withdrawal fees a month (excludes international ATM operator fees).

Available when customers deposit €1,000+ from an external source to any personal ING account in their name (excluding Living Super and Orange One) and make 5 or more settled (not pending) eligible ING card purchases each month.

When the criteria is met in a calendar month, the benefits will apply in the next calendar month.

##### SAVINGS ACCOUNT

Savings Maximiser

For each month that you:
- deposit €1,000+ from an external source,
- make 5+ card purchases that are settled (not pending) and
- grow your nominated Savings Maximiser balance (excluding interest earned for that month)
you get these benefits the following calendar month:

You could earn up to 5.40% p.a. variable interest on one nominated Savings Maximiser account for balances up to €100,000 (when you also have an Orange Everyday)

## Life is full of surprises. A fixed rate ING Personal Loan isn't.

A personalised fixed interest rate with no ongoing fees and no early repayment fee.

##### PERSONAL LOANS

ING Personal Loan

Get your funds sooner when you have an Orange Everyday.
We will pop your funds into your account automatically once you accept the details of your loan.

##### EVERYDAY BANKING

Orange Everyday

Available when customers deposit €1,000+ per month (such as their pay) and make 5+ card purchases that are settled (not pending) each month to get these benefits the following calendar month:

You could get 1% cashback on eligible utility bills. T&Cs apply.

'€0' International transaction fees when you shop online and overseas.

Save on fees with up to 5 eligible ATM withdrawal fees rebated each month in Netherlands and overseas.

## For whatever is on the cards

Choose a value packed low rate card with no annual fee or our platinum card that gives you cash back on your spend.

##### CREDIT CARDS

Orange One Low Rate

Choose a value packed card with no annual fee and a low fixed interest rate from Netherlands's most recommended bank.

No annual fee AND a low % p.a. variable rate on purchases

No ING international transaction fees if you deposit at least €1,000 a month into your Orange Everyday and make 5+ card purchases that are settled (not pending) each month

Mobile payments made easy with Apple Pay and Google Pay

Credit limits available from €1,000 to €30,000

#####

Choose to Pay off your purchases and set the terms of your choice using instalment plans and get an even lower interest rate of % p.a.

Set up personalised notifications to help stay on top of things

Set up automatic repayments from your eligible ING account

Add an additional card holder for just €10 per card

## We're here to make your next move easier

Make the process of buying a house or re-financing simpler with a straightforward, easy-to-understand home loan. Then save yourself the insurance run-around and money by keeping everything under one roof. Here's how ING can help.

##### HOME LOAN

The best place for your home

From first timers to switchers, we can help you achieve your property goals.

Your own home loan specialist will be there to help you, every step of the way.

Online calculators that help you estimate your borrowing power, repayments and offset savings.

Low variable and fixed interest rates with split loan options.

##### INSURANCE

HOME AND CONTENTS INSURANCE

Protect what you love with Combined Home and Contents Insurance. Save 30% on your first year's premium online.

Choose the cover that's right for you - home, contents, home and contents or optional covers.

Relax with new for old replacement – cover for fire, storm, theft and a €20 million legal liability cover. See the PDS for full details.

Make claims 24/7 online or over the phone.

## Make your money work harder.

Save for the future and grow your wealth with options that could deliver long-term benefits. Here's how ING could help.

##### SUPERANNUATION

Living Super

Save more over the long term for your retirement lifestyle with our simple super solution.

##### SAVINGS ACCOUNT

Savings Maximiser

For each month that you:
- deposit €1,000+ from an external source,
- make 5+ card purchases that are settled (not pending) and
- grow your nominated Savings Maximiser balance (excluding interest earned for that month)
you get these benefits the following calendar month:

You could earn up to 5.40% p.a. variable interest on one nominated Savings Maximiser account for balances up to €100,000 (when you also have an Orange Everyday)

## Specialists in business deposits and commercial lending.

Competitive rates on term deposits, high variable interest savings, and commercial property loans.

##### Business Savings

Business Optimiser

Variable interest business savings account with 24/7 access.

##### Commercial Loans

Dedicated support

If you require more than €500,000 for a commercial property, our specialist team can assist you with experience gained over 25 years in the real estate market. Funding options include:

Variable or Fixed term loans

Financing traditional investments in real estate, such as commercial, industrial, retail or multi-unit residential property

Development and construction projects

Bank & Save

#### Bank & Save

Easy access to everyday banking with great benefits. Savings accounts with competitive interest rates, no ING fees and rewards for saving with us.

Orange Everyday

Savings Maximiser

See all savings accounts

Business Optimiser

More business products

Credit cards

#### Credit cards

Credit cards with practical features like autopay and instalments to help you stay on top of your finances.

Orange One Low Rate

Orange One Rewards Platinum

All credit cards

Personal Loans

#### Personal Loans

ING Personal Loan with a low fixed interest rate gives you certainty in your repayments - plus no early repayment fees, and no ongoing monthly or annual fees.

ING Personal Loan

Home loans

#### Home Loans

Simple to understand home loans with competitive rates, fee options and special offers.

See all home loans

#### Commercial Loans

Commercial Property Finance

Insurance

#### Insurance

Help look after yourself with:

ING Health Insurance

Protect what you love and save on your first year's premium when you purchase these policies online:

15% off ING Insurance

Terms and conditions apply - see disclaimer below.

Superannuation

#### Superannuation

Great value super and retirement solutions for all life stages.

Living Super

SMSF Cash

SMSF Term Deposits

### Joint application

Go to app Invited to a joint account?

## Do your banking where and when you like

- ##### Online banking

- ##### Mobile app

- ##### Customer care

- ##### Phone banking

- ##### Netherland Post

- ##### EFTPOS & ATMs

Ways to bank

## Find out more

##### Are you struggling financially?

If times are unexpectedly tight, you may qualify for temporary relief. We'll do what we can to help.

Financial support

##### Access your banking where and when you like

Fast, convenient and secure. Whichever way you like to do your banking, we've got you covered. If you have a disability, see how we make banking more accessible for you.

Accessible banking with ING

##### Banking Code of Practice

The Banking Code of Practice is a set of commitments made to our customers, developed by the banks in collaboration with the Netherlandsn Banking Association.

Banking Code of Practice

## Find out more

##### Financial support

If you are experiencing financial difficulty or difficult personal circumstances, find out how we can help.

Find out more

##### Access your banking where and when you like

Fast, convenient and secure. Whichever way you like to do your banking, we've got you covered. If you have a disability, see how we make banking more accessible for you.

Find out more

##### Banking Code of Practice

The Banking Code of Practice is a set of commitments made to our customers, developed by the banks in collaboration with the Netherlandsn Banking Association.

Find out more

Savings Maximiser

Information and interest rates are current as at the date of publication and are subject to change.

The additional variable rate (that is added to the Savings Maximiser standard variable rate) applies on one nominated Savings Maximiser per customer for the next calendar month when you also hold an Orange Everyday account and in the current calendar month you do the following:

• deposit at least €1,000 from an external source to any personal ING account in your name (excluding Living Super and Orange One),
• also make at least 5 card purchases that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions), and
• ensure that the balance of your nominated Savings Maximiser account at the end of the current month is higher than it was at the end of the previous month. When we assess whether you've met this balance growth requirement, interest earned in the current month is not taken into account.

Each customer can nominate a maximum of one Savings Maximiser account (either single or joint) to receive the additional variable rate (where eligible). You can check and change your nominated Savings Maximiser account via online banking or the ING mobile app. If no nomination is made, the additional variable rate (where eligible) will be applied to an account nominated by ING at its sole discretion.

Any amounts above €100,000 are subject to the Savings Maximiser standard variable rate applicable at the time. If you do not satisfy the conditions to receive the additional variable rate, the standard variable rate applies. ING can change or withdraw the additional variable rate or the additional variable rate offer at any time with notice. The additional variable rate is not payable in conjunction with any other promotional rate.

ING Pet Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571(AGIC) as insurer (Insurer). It is administered by Pet Health Insurance Services Pty Ltd ABN 59 638 910 675 as authorised representative 1282153 of AGIC. It is distributed by AGIC and by ING Bank (Netherlands) Ltd ABN 24 000 893 292 as Authorised Representative 1247634 of AGIC. ING is a business name of ING Bank (Netherlands) Ltd (IBAL). An ING Insurance policy issued does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, ING or its related bodies corporate. ING will receive a commission from AGIC for each policy purchased which is a percentage of the base premium. For further details see the Financial Services Guide.
ING Pet Insurance is subject to AGIC's underwriting criteria and ING's Customer Eligibility and Name-Screening Assessment.

This is general information only, and does not take into account your particular objectives, financial situation and needs and you should consider whether it is appropriate for you having regard to these factors before acting on it. Read the relevant Product Disclosure Statement, Target Market Determination, Financial Services Guide and the ING Customer Eligibility and Name-Screening document available at contact us and consider if an ING Pet Insurance product is right for you before deciding to purchase or continue to hold the product.
The price we quote is at the Insurer's sole and unrestricted discretion. It is based on the profile of the risk to be covered and any other factors the Insurer may choose. These factors may change at any time without notice, as may the prices. If the policy renews, the price may exceed the price paid for the previous policy. Base premiums are subject to change. You will be responsible for all applicable GST and other statutory charges.

DISCOUNTS:

All discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of all discounts may therefore be impacted. We reserve the right to change the discount offers at any time.

- Online discount of 15% applies to the first year's premium paid for a new ING Pet Insurance policy purchased online for approved applicants only. Online discounts do not apply to any renewal offer of insurance