Your application binds neither yourself nor ING Belgium until the loan agreement has been signed in your ING branch, and after verification by ING.

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1 Frequently Asked Questins My applicatin fr an ING lan has been accepted. S, where d I have t g t sign the agreements? What is the minimum term fr an instalment lan? What is the maximum term fr an instalment lan? Why am I asked whether r nt I am a smker? Can I include payment f the insurance premium (r part f it) in the amunt brrwed t finance my prject? When can I access the sum I have brrwed? Can I chse the date f my first lan repayment? D I have t pay an arrangement fee? I applied fr a lan, but I have nt received a decisin yet. When will I get ne? Hw much can I brrw? What is an APRC? My lan applicatin has been rejected but I am nt sure why What is the minimum amunt I can brrw? D I have t take ut utstanding balance insurance? Can I pay ff my lan early if I wish t? Why des my husband/wife r partner als have t be a jint brrwer? I want a lan fr 120 mnths and the maximum shwn in the simulatin is 60 mnths. Why? Yur applicatin binds neither yurself nr ING Belgium until the lan agreement has been signed in yur ING branch, and after verificatin by ING. The ING Term Death Insurance is ffered t yu by: Insurer: ING Life Belgium SA/nv, an insurance cmpany, apprved by the Banking and Finance Cmmissin (CBFA) under the cde number Registered ffice: Curs Saint-Michel, B-1040 Brussels Brussels RPM/RPR VAT BE Phne +32 (0) BIC: BBRUBEBB Accunt: (IBAN: BE ). Insurance agent: ING Belgium SA/NV, an insurance brker, registered with the Banking and Finance Cmmissin (CBFA) under the cde number 12381A. Registered ffice: Avenue Marnix 24, B-1000 Brussels Brussels RPM/RPR VAT BE

2 Phne +32 (0) BIC: BBRUBEBB Accunt: (IBAN: BE ).

3 Why d I have t enter my incme and expenses? Hw d I enter my incme and expenses? Which dcuments r evidence shuld I submit if I want t take ut a lan? What is a Debt Balance Insurance plicy? What is a Real Estate Ec Lan? Can I finance debt repayment? Yur applicatin binds neither yurself nr ING Belgium until the lan agreement has been signed in yur ING branch, and after verificatin by ING. The ING Term Death Insurance is ffered t yu by: Insurer: ING Life Belgium SA/nv, an insurance cmpany, apprved by the Banking and Finance Cmmissin (CBFA) under the cde number Registered ffice: Curs Saint-Michel, B-1040 Brussels Brussels RPM/RPR VAT BE Phne +32 (0) BIC: BBRUBEBB Accunt: (IBAN: BE ). Insurance agent: ING Belgium SA/NV, an insurance brker, registered with the Banking and Finance Cmmissin (CBFA) under the cde number 12381A. Registered ffice: Avenue Marnix 24, B-1000 Brussels Brussels RPM/RPR VAT BE Phne +32 (0) BIC: BBRUBEBB Accunt: (IBAN: BE ).

4 My applicatin fr an ING lan has been accepted, s where d I have t g t sign the agreements? Yu can g t an ING branch near yu r t any branch f yur chice. T arrange an appintment, g t and click n Make an appintment. Back t questins What is the minimum term fr an instalment lan? The minimum term fr an instalment lan is set at six mnths. If yu need cash fr a shrter perid, we recmmend the ING Cash Facility. This allws yu t have a negative balance n yur current accunt subject certain cnditins. The ING Cash Facility, als referred t as an verdraft facility, is fr an indefinite term. N.B.: by law, yur ING Cash Facility lan must be fully repaid at least nce every five years. This means that yu must have a psitive balance n yur accunt then. What is the maximum term fr an instalment lan? Instalment lan: the maximum term fr an instalment lan depends n the lan purpse, the amunt brrwed and the maximum terms impsed by cnsumer credit regulatins. Credit facility: fr an ING Cash Facility, authrizing a negative balance n yur accunt under set cnditins, the term is indefinite. N.B.: by law, yur ING Cash Facility lan must be fully repaid at least nce every five years. This means that yu must have a psitive balance n yur accunt then. Why am I asked whether r nt I am a smker? Smking will influence hw the premium n yur utstanding balance insurance premium is calculated. Can I include payment f the insurance premium (r part f it) in the amunt brrwed t finance my prject? Financing can als take insurance premiums int accunt, up t a maximum f 10% f the amunt brrwed.

5 When can I access the sum I have brrwed? If the gds are already delivered : yur lan amunt is made available at the latest 2 wrking days after the date yu agreed, prvided that we have all the elements we need in rder t release the funds (estimate, specificatins, invice, prf f delivery, etc.). I If the gds are nt yet delivered: the funds will be made available t yu within 2 wrking days at the latest after receipt f the dcuments we need in rder t release the funds (estimate, specificatins, invice, prf f delivery, etc.). Can I chse the date f my first lan repayment? The first repayment date is set as a rule at ne mnth after the funds are released. That date can be changed at the pint when the lan cntract is cncluded in an ING branch. D I have t pay an arrangement fee? N, we d nt charge any arrangement fee n cnsumer credit fr persnal use. I applied fr a lan, but I have nt received a decisin yet. When will I get ne? Yu will receive a respnse within tw wrking days f submitting yur applicatin infrming yu whether yur applicatin was successful r nt. Hw much can I brrw? Fr an ING Cash Facility verdraft, the minimum amunt is EUR 1,250. Fr an ING Belgium instalment lan, the minimum amunt is EUR 2,000. Hwever, the maximum lan amunt we can grant yu will depend n yur financial situatin, yur ability t repay and the lan purpse.

6 What is an APRC? It is the Annual Percentage Rate f Charge. This rate expresses the ttal cst f the lan n an annual basis. It takes the terms and cnditins f the lan int accunt: the perid f time ver which yu must repay the principal; the interest t be paid; and any csts relating t apprval and/r management f the lan. My lan applicatin has been rejected but I am nt sure why. Each lan applicatin is analyzed by ur staff, which makes a decisin based n the data yu have prvided and n bjective criteria (financial circumstances, ability t repay, etc.). Under the Cnsumer Credit Act, ING is legally bliged t reject any lan transactin which wuld put yu in a situatin f debt verlad, as this wuld als endanger yur husehld s financial situatin. What is the minimum amunt I can brrw? Fr an ING Cash Facility, authrizing a negative balance n yur current accunt subject t certain cnditins, the minimum amunt is EUR 1,250. Fr an ING Belgium instalment lan, the minimum amunt is EUR 2,000. The amunt that ING Belgium will lend yu depends n yur financial situatin, yur ability t repay and the lan purpse. D I have t take ut utstanding balance insurance? N. But we d strngly recmmend that yu take ut this type f insurance. This lw-premium insurance insures yu and any jint brrwer in the event f death: if either f yu dies, the balance f the debt is repaid under the terms and cnditins f the insurance plicy. Can I pay ff my lan early if I wish t? Early repayment is pssible but the custmer must pay a fixed charge. This charge is calculated by applying the agreed annual percentage rate f charge (APRC) t the balance f the lan n the date f early repayment, which must nt amunt t mre than: 1% f the capital repaid early fr the remaining term f the lan exceeding ne year 0.50 % f the capital repaid early fr the remaining term f the lan up t ne year In additin, the reinvestment charge cannt be higher than the interest which the brrwer wuld have paid fr the perid between the early repayment date and the end date f the lan agreement.

7 Why des my husband/wife r partner als have t be a jint brrwer? ING s general plicy is t require a signature by tw jint brrwers, in rder that ne f them des nt endanger the husehld s financial situatin. I want a lan fr 120 mnths and the maximum shwn in the simulatin is 60 mnths. Why? The maximum term f yur lan is: capped by the law n Cnsumer Credit accrding t the amunt; and is set by ING Belgium depending n the lan purpse. Why d I have t enter my incme and expenses? ING uses this infrmatin in rder t accurately determine yur ability t repay, and cnsequently t ensure that yu will be able t cpe with the mnthly repayments withut endangering yur r yur husehld's financial situatin. This is a legal bligatin. Hw d I enter my incme and expenses? In mdule 3. Yur financial details, there is an inf buttn next t each field t be filled in. If yu use yur muse t hver ver the buttn, yu can read hw best t fill in yur incmings and utgings. Net mnthly incme - Under the heading Salary (in eur), fill in the fllwing data (if applicable): yur net mnthly incme (paid by yur emplyer int yur accunt). The fllwing data shuld nt be entered under the abve heading: * thirteenth mnth; hliday pay; bnus; * meal vuchers; * emplyer cntributin twards cmmuter travel csts; * allwances fr travel and representatin csts; * benefits in kind, such as a cmpany car. - Under the heading Replacement incme (in eur), fill in the fllwing data (if applicable): yur net mnthly pensin yur sick pay yur disability allwance yur parental leave benefit The fllwing data shuld nt be entered under the abve heading * child benefit * alimny - Under the heading Rent incme (in eur), fill in the fllwing data (if applicable):

8 the ttal net rent yu receive each mnth, excluding any electricity, gas, water and cmmn fees t be paid. - Under the heading Other incme (in eur), fill in the fllwing data (if applicable): recurrent and financial incme ther than frm yur main prfessin. If the figures yu have are fr an annual incme, divide the amunt by 12. One-ff incme des nt cunt. Yu will need t prvide prf f any incme entered under the heading Other incme (in eur). Yu must als indicate what type f incme it is. Nne f the incme falling int the previus headings may be entered under Other incme (in eur). Net mnthly utgings - Under the heading Rent (in eur), fill in the fllwing data (if applicable): the rent yu pay each mnth fr a prperty that yu rent, excluding amunts fr electricity, water and gas and withut the mnthly charges. - Under the heading Alimny (in eur), fill in the fllwing data (if applicable): the mnthly amunt yu pay in alimny t yur ex-partner, children r relatives. - Under the heading Mrtgage lan repayment (nt ING) (in eur), fill in the fllwing data (if applicable): the ttal amunt f the mnthly repayment f a mrtgage lan yu have with anther bank. D nt fill in the amunt f the mnthly repayment f any ING mrtgage lan under this heading. - Under the heading Repayment f ther, nn-ing lans (in eur), fill in the fllwing data (if applicable): the ttal amunt f any mnthly lan repayments (ther than n yur mrtgage lan) yu make t financial institutins ther than ING Belgium NV/SA. It is imprtant that the details entered under the abve headings are filled in accurately and therefre agree with the details that are shwn n the supprting dcuments. Obviusly these supprting dcuments must be presented when the cntract is signed at the branch. Which dcuments r evidence shuld I submit if I want t take ut a lan? yur identity card; evidence f yur incme (yur last 3 pay slips, r yur last tax demand if yu are self-emplyed); evidence f yur fixed utgings (e.g. car lan, rent); yur rder frm fr a lan f up t EUR 24,999;

9 yur invice, if the lan amunt is mre than EUR 25,000. Fr a Real-Estate Ec Lan, nly final invices are admissible, irrespective f the amunt brrwed. What is a Debt Balance Insurance plicy? It is term life insurance that cvers the balance f an instalment lan if the insured party dies. The plicyhlder is free t chse the beneficiary. Yu can chse t pay a single premium r t pay recurring premiums (annual, half-yearly, quarterly and mnthly) which will be autmatically debited frm yur current accunt. The first premium will be debited nce the lan funds are made available. Premiums change accrding t the capital insured (minimum 5,001 eurs), yur age when yu take ut the plicy, yur gender, whether r nt yu are a smker, and the duratin f the insurance plicy. The term f the Debt Balance Insurance plicy matches the term f the instalment lan cvered. What is a Real Estate Ec Lan? An ING Real Estate Ec Lan is a persnal lan allwing yu t brrw between EUR 2,000 and 50,000 t finance yur ec-friendly hme imprvement prjects and enjy an attractive interest rate. ING Real Estate Ec Lans are designed t finance ne r mre f the fllwing prject types, making up a minimum f 80% f the ttal amunt brrwed: replacement f an ld central heating biler maintenance f a central heating biler installatin f a slar-pwered water heating system installatin f phtvltaic panels t transfrm slar energy int electrical energy installatin f any ther system t prduce gethermal energy fitting duble-glazing rf, grund and wall insulatin fitting thermstatic valves r a timer-based rm thermstat undertaking an energy audit. Yu must submit the final invice. Please nte: advance invices are nt accepted fr the purpses f a Real Estate Ec Lan applicatin. Can I finance debt repayment? Yu cannt apply fr an ec lan aimed at repaying debts via this applicatin.

10 ING recmmends that yu make an appintment with the ING branch f yur chice. An ING staff member will be pleased t help yu find the slutin best suited t yur financing needs.

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