Company: INGVF
Filing Date: 2025-04-24
Form Type: F-3ASR
Source: 0001193125-25-093692
Chunk: 125

Company: ING GROEP NV
Filing Date: 2025-04-24
Form: F-3ASR
Chunk 125
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 Registered Security?”; |

| • |     | an investor may not be able to sell interests in the securities to some insurance companies and other 
 institutions that are required by law to own their securities in non-book-entry form;                 |

| • |     | in addition to restrictions imposed by applicable law, an investor may not be able to pledge his or her interest                                                                                 
 in a global security in circumstances where certificates representing the securities must be delivered to the lender or other beneficiary of the pledge in order for the pledge to be effective; |

| • |     | the depositary’s policies will govern payments, deliveries, transfers, exchanges, notices and other matters                                                                                                                                 
 relating to an investor’s interest in a global security, and those policies may change from time to time. Neither we nor the trustee nor any of our or its agents will have any responsibility for any aspect of the depositary’s policies, 
 actions or records of ownership interests in a global security. Neither we nor the trustee nor any of our or its agents supervise the depositary in any way;                                                                                |

| • |     | the depositary will require that those who purchase and sell interests in a global security within its book-entry 
 system use immediately available funds and your broker or bank may require you to do so as well; and              |

| • |     | financial institutions that participate in the depositary’s book-entry system and through which an investor                                                                                           
 holds its interest in the global securities, directly or indirectly, may also have their own policies affecting payments, deliveries, transfers, exchanges, notices and other matters relating to the |

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| securities, and those policies may change from time to time. For example, if you hold an interest in a global security through Euroclear or Clearstream, Luxembourg, when DTC is the depositary,                                                       
 Euroclear or Clearstream, Luxembourg, as applicable, will require those who purchase and sell interests in that security through them to use immediately available funds and comply with other policies and procedures, including deadlines for giving 
 instructions as to transactions that are to be effected on a particular day. There may be more than one financial intermediary in the chain of ownership for an investor. We do not monitor and are not responsible for the policies or actions or     
 records of ownership interests of any of those intermediaries.                                                                                                                                                                                         |

Unless your prospectus supplement provides otherwise, the securities , other than the ordinary shares, will initially be issued to investors only in book-entry form. Each security issued in book-entry form will be represented by a