Some Questions and Answers

Q. How large must a bank be to benefit from ING Financial Partners's program?
A. Banks of any size can benefit. Contribution to earnings is driven by client demographics, activity, and management support of the program.
Q. What insures your program's success?
A. We provide and maintain a proprietary management program which drives both Registered Representative activity and the client satisfaction process. In this way, we convert merely "hoping for the best" to positive, ongoing results.
Q. Will we lose control of our client?
A. Your clients always are, and remain, the clients of your Bank.
Q. What level of contribution to earnings can we expect?
A. Our experience has demonstrated that the amount of new fee income can represent a meaningful contribution to earnings-per-share, and is affected by each banks particular client demographics and needs. For banks with HNW or business clients, the contribution may be particularly strong.
Q. Is the Bank Investment Representative a Bank employee? How is the Registered Representative hired and compensated?
A. The Representative is an employee of your Bank and a Registered Representative of  ING Financial Partners, compensated solely from their portion of the Banks revenue share. Your bank and ING Financial Partners work together to identify the right Financial Professional. We seek one able to succeed in our industry, yet one you feel is consistent with your corporate culture. The final hiring decision is made by your Bank to help insure that your Investment Representative reflects your corporate culture.
Q. Who is responsible for supervising the Bank Investment Representative?
A. ING Financial Partners must bear responsibility for any investment and/or advisory activities of the Representative, and will indemnify your Bank for those activities. The Bank supervises the Representative to ensure compliance with the Banks own policies, and provide similar indemnification with respect to the activities of its own, non-investment employees.
Q. What about disintermediation?
A. In our experience, a well managed non-deposit investment program can result in a net deposit increase for your bank.