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ING Bank FSB has Electric OrangeSM checking, an easy-to-use checking account that also pays a great interest rate. The Orange Savings Account lets you save with no fees, no minimums and a great rate. The Orange Mortgage has low closing costs, a simple, no-hassle application, and great rates that can save the customer thousands on their mortgage. And the firm added ShareBuilder, an online brokerage designed to make investing easy and affordable for everyone. ING DIRECT's CEO of Savings, Arkadi Kuhlmann, inspires Americans to become savers and get their money working for them. The firm's unique approach to banking is backed by ING (NYSE:ING), a global financial institution of Dutch origin offering banking, insurance and asset management to over 85 million private, corporate and institutional clients in more than 50 countries. ING DIRECT is a member of the FDIC (Federal Deposit Insurance Corporation). ING DIRECT (the operating name of ING Bank, fsb) is headquartered in Wilmington, Delaware with innovative ING DIRECT Cafés in multiple locations across the U.S. where the customer can experience what Orange is all about! Open an account and the customer will be joining more than 7.5 million Customers who save their money with ING DIRECT in the US, and the 21 million Customers served by ING DIRECT divisions in Canada, Australia, France, Spain, Italy, United Kingdom, Austria and Germany.

Standard & Poor's Investment Advisory Services LLC (SPIAS) is investment research firm and registered investment advisor headquartered in New York City. The firm is a wholly-owned subsidiary of S&P Global, Inc. (NYSE: SPGI), formerly McGraw Hill Financial, Inc. SPIAS’ advisory services are generally offered to institutions (e.g., broker-dealers, investment advisers, investment companies and other financial institutions). SPIAS does not generally provide its advisory services directly to retail clients, but its services may be used by its clients in advising their own underlying clients, which may include retail clients. SPIAS also provides advisory consulting services to institutional clients and investment managers-of-investment funds, and investment sub-advisory services for registered investment companies, including open-end mutual funds and other institutions. S&P Global's operations consist of three reportable segments: S&P Global Ratings, S&P Global Platts, and S&P Dow Jones Indices. S&P Global Ratings is an independent provider of credit ratings, research and analytics to investors, issuers and market participants. It includes the NRSRO and certain other ratings-related businesses. S&P Global Platts provides essential price data, analytics, and industry insight that enable commodities markets to perform with greater transparency and efficiency. S&P Dow Jones Indices is a global index provider that maintains a wide variety of indices to meet an array of investor needs. In 2016, CFRA acquired S&P Global Market Intelligence’s Equity and Fund Research business (formerly known as S&P Capital IQ and SNL) from S&P Global, Inc.