Company: INGVF
Filing Date: 2025-04-24
Form Type: F-3ASR
Source: 0001193125-25-093692
Chunk: 89

Company: ING GROEP NV
Filing Date: 2025-04-24
Form: F-3ASR
Chunk 89
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 cured or waived. However, the trustee will be entitled to withhold notice if a trust committee of responsible officers of the trustee determine in good faith that withholding of notice is in the interest of the holders. Limitation on Suits Before you bypass the trustee and bring your own lawsuit or other formal legal action or take other steps to enforce your rights or protect your interests relating to the capital securities, all of the following must occur:

| • |     | the holder must give the trustee a written notice that a default has occurred and remains uncured; |

| • |     | the holders of 25% in outstanding principal amount of the capital securities must make a written request that the 
 trustee take action because of the default;                                                                       |

| • |     | such holder must offer indemnity satisfactory to the trustee in its sole discretion against the cost and other 
 liabilities of taking that action;                                                                             |

| • |     | the trustee must not have taken action for 60 days after receipt of the above notice and offer of security or 
 indemnity; and                                                                                                |

| • |     | the trustee must not have received an inconsistent direction from the majority in principal amount of the capital 
 securities during that period.                                                                                    |

Notwithstanding any contrary provisions, nothing shall impair the right of a holder of the capital securities under the Trust Indenture Act, absent such holder’s consent, to sue for any payments due but unpaid with respect to the capital securities. Street name and other indirect holders should consult their banks or brokers for information on how to give notice or direction to or make a request of the trustee and how to waive any past event of default, as described below in “Legal Ownership and Book-Entry Issuance.” -62-

Notices

Notices to be given to holders of a global capital security will be given only to the depositary, in accordance with its applicable policies as
in effect from time to time. Notices to be given to holders of capital securities not in global form will be sent by mail to the respective addresses of the holders as they appear in the trustee’s records, and will be deemed given when mailed.
Neither the failure to give any notice to a particular holder, nor any defect in a notice given to a particular holder, will affect the sufficiency of any notice given to another holder.

Book-entry and other indirect owners should consult their banks or brokers for information on how they will receive notices.

Service of Process

We have appointed ING Financial Holdings Corporation, acting through its office at 1133 Avenue of the