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Sample   Letters

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Dear Valued PolicyOwner,

We would like to thank you for your loyal support as part of the ING family.

We at ING continue to set the standard to help you to manage your financial future. We aim to create easier financial solutions to meet your protection, health, education and investment needs. It isn't just about making financial solutions easier -- we want to go further by providing you with exceptional customer experiences that makes it easy for you to do business with us. At the same time, we are committed towards creating simpler processes to make your transactions with us that much easier.

We take this opportunity to announce that despite the challenges encountered in the financial market in the last quarter of 2008, ING Insurance Malaysia has declared an attractive dividend and bonus for 2008. These declared amounts, as shown in your annual policy statement sent with this letter, are guaranteed and will not be affected by future declarations.

We would like to highlight that future declarations are not guaranteed and are determined based on the Company's actual operating and investment performance. Therefore, future declarations may vary from the projected dividend and bonus illustrated to you in the past.

In view of the challenges in the financial markets that we have seen in the first half of 2009, the rates declared for 2008 and in previous years may riot be sustainable in the long term. If the current market condition continues, we do expect the dividend and bonus to be reduced compared to past year's declared rates. On the other hand, if market condition improves, we will review the dividend and bonus rates again.

Should you require any further clarifications, or simply to obtain information and financial advice, you can have direct access easily anytime anywhere to our website and our toll free call centre at 1800 88 0303 or your ING agent.

We thank you for your continuous support and look forward to serving you in the fixture.

Yours sincerely,



President/Chief Executive Officer


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