This document contains testimonials from various individuals praising Phil Lambing's work with ING Financial Partners. The testimonials describe Phil as a valuable resource, great presenter, and provider of helpful guidance and training that improved business practices and increased revenue. Many individuals said they would miss working with Phil and appreciated his support over many years.

1. Testimonials
ING
 You have been one of the biggest reasons why we have remained with IFP Your guidance,
friendship, and practice building efforts will not easily be forgotten.
Steve Sanson, Harleysville, Pa 215-256-7845
 Thanks for everything and I am very sorry to hear about your position being eliminated.
Many of the things that have made me and my office successful over the years have been
things I learned from you (Client Service Packet, Annual Review Packets, Model Week
Scheduling, Client Satisfaction Surveys, etc.)
Tom Kalejta, Kalejta Financial Mangement, Trappe, PA 610-831-2195
 We are so sorry to hear that you will not be with us. Yes, we did learn a great deal from
you, and you helped us implement procedures that were so important in growing our
business
.
Nancy Sides, Sides Financial Strategies, Inc, Immo, SC 803-781-2922
 You were a great resource and your web-ex training sessions were outstanding and I am
sure many dollars were made for reps and INGFP as a result. My only complaint was they
had you spread to thin! Fortunately you were able to leverage web ex to spread your
talent around.
Rob Tarlov, IAR, Avon, CT 860-773-6789
 It’s our loss. You have been a great help to us over the years
Larry Rosenthal IAR, Manassas, VA 703.330.3100
 Whoever is smart enough to bring you on board will benefit immensely
Don Hall, IAR, Johnstown, Pa. 814-536-4200
 You will be missed at IFP. I appreciate your insights all these years.
Jim Tyrpak, Williamsville, NY (716) 631-1600
 I really appreciate the help you have provided to Cindi and me during our years at ING.
You have been an outstanding resource and a big help to my personal production, with
your productivity advice.

2. Scott Hogan, Duluth, GA 678-584-2220
 I have appreciated your relationship, support, feedback, honesty, friendship
and knowledge over the past 10+ years. I am very saddened to hear that ING Financial
Partners has made the decision to eliminate not just the position, but you from their
organization. The contributions you have made, specifically to our practice, have assisted
us in many ways to be as successful as we are.
Gary Sanson, Financial Voyages, Harleysville, PA 215)256-7845
 I viewed what you did as one of the greatest assets we had in the field. Your advice and
tutorials helped me gather more business than anyone in the home office did. We have all
this great technology at our fingertips but basically no one (that does production) has any
idea of how to use it. If I can do anything to help you, please let me know and thank you
for all that you did for myself, team, and down line!!!
Robert O'Braitis, Registered Principal, Branch Manager, Lansdowne, Va 703.724.9499
 We will certainly miss you going forward. You were a most valuable resource and a good
friend. I hope you will feel welcome in my office at any time in the future should your
travels get you back to South Florida. I wish you nothing but the best in any new
challenge you take on in the future. I’m confident that you will benefit from this change.
Good things happen to GOOD PEOPLE!!
You are GOOD PEOPLE !!!
Bob Love, IAR, Plantation, FL 954-581-1435
 You are class guy, the best ! I will miss you a lot. You were very big help to me & my staff.
You are always welcome here.
Mike Egan, JME FINANCIAL SERVICES, FEASTERVILLE, PA 215-355-3426
 I value our association and the help and guidance that you have provided. You will be
missed! Some of my guys (Jamie King in particular) have asked for guidance in
succession planning. I had given Jamie your name as a resource for planning ideas. He
will probably be calling you this week. Again, I have enjoyed our association and wish you
the very best in your future endeavors.
Jerry Cantrell, Cookeville, TN 931.526.3541
 I always looked forward to seeing you when ever the opportunity was presented. I count
you as an outstanding professional and good friend.
Frank Faust, Lilburn, GA 770-972-7431
 You were one of the very first people that I dealt with when I moved over to Locust Street
back in 2000. Your support, interest and resourcefulness have been instrumental in John
and I growing the group we have now. I was looking forward to doing the monthly
webinars for our group in 2009 that we had been discussing. They certainly will no be the
same without your help and professional touch.
Tom Colbert, Northboro, MA 508-393-8402 ext.3020

3.  You have done a fantastic job working with the field force over the last 9 years. I truly
appreciate the training support you have provided to my group. It has been very helpful in
the on-going development of my reps. Your dedication, professionalism and expertise will
be greatly missed.
Steve Lillard, Registered Principal Nevada, IA 515-382-5600
 I am TRULY thankful for the countless number of hours that you spent helping me; I am
REALLY going to miss you. You are an extremely valuable asset to the recruiting OSJ’s
here at INGFP. I still can’t believe this. You are one of the few that I could always reach and
at the drop of hat would do everything within your powers to make sure that we got what
we needed. If there is anything I can do to help you, or if you need a letter of
recommendation, please do not hesitate to ask. I am genuinely going to miss you.
Von Cook, OSJ, Tampa, FL (813) 217-9092
 Phil: I think that INGFP made a mistake eliminating your position. I felt you were
very helpful and generous with your time. I truly wish you much success in the
future.
Bill Mauro, Montoursville, PA 570-368-8641
 It has been my pleasure both knowing and working with you, your contributions have been
invaluable. I've always enjoyed your sense of humor, positive vibrations and level-headed
advice. When we've had the chance to work together directly, I could always count on you
to be prepared and approach things with enthusiasm for the subject…and a sense of fun.
Jeff Holmes, Co- worker, ING Advisors Network 919-926-8202
 You have been a valued colleague, and everywhere I go I hear from the ING FP guys how
much they appreciate what you bring to the table, and the support you provide.
Cathy Snyder, VP, ING Retirement, 570-326-1571
 I sincerely appreciate your help - you are a consummate professional
Clare Mertz, MBA, Chief Administrative Officer, Capital Financial Planning (518) 867-4000 x104

4.  It was really nice to have seen you again yesterday, and I appreciate the time you were able to
spend with our team. It has been quite a while since I have seen everyone so enthusiastic
about any presentation that was provided. Please know that though I am sending this letter, it
expresses the sentiment and thoughts of everyone in the room.
Everyone truly enjoyed your presentation, found it extremely helpful, and is really looking forward to
implementing some of the systemsinto Financial Network Limited. You managed to keep the attention
of the entire group, and as you indicated;the feedback during the presentation was positive with
everyone contributing. We are all also in agreement that the first step is recognizing that there is a
problem. Working with you to implement your plan is certainly a positive step in the direction toward
correcting it.
I really feel I would be remiss if I did not also take a moment to expressthanks to the entire ING
Advisors Network for providing such a valuable tool like your seminar to help us be better able to
provide the level of service our clients deserve. There are so many positives to implementing this plan;
it is a win-win situation for everyone – the representatives,the clients, and ING. Anything that can
improve your efficiency,improve your servicing techniques, and in doing so increase your revenue,
certainly is a winner in my book!
Many and sincere thanks again for all of your time, your expertise, and your willingness to be of help.
Here’s to R=AxE!
Michael J. Del Re,Jr., CLU, ChFC
President, Financial Network Limited
Milford, CT
203-878-8194
March 16, 2003
 I just wanted to take a minute and thank you for the support offered to us through the ING
Advisors Network Field Operations team. Our first exposure to the team was at our regional
compliance meeting in Philadelphia back in June of 2002 through the client service with a
purpose module. Since then we have been consulted and supported by field operations through
the services of Phil Lambing.
Over the past year Phil has teamed with us as we’ve refined our business plan and model. This has
resulted in a more efficient office structure and workflows as well as improved client communications
and service. We have been dealing with issues that I have desired to resolve for years,and this has
been a great motivator to move ahead.
We are honored at being chosen as one of the top offices in the network and receiving the benefit of
continued service from Phil Lambing and the field operations team. Now that we have clearly defined
goals and roles in our office we look forward to growing the business and moving ahead. Over the
next month Phil will be conducting business development (MAP) and referral workshops for the Reps
and we look forward to reaping the results of these activities and energy.
Once again, thank you for the support and confidence you have placed in our office through the field
operations team and the ongoing consulting of Phil Lambing.
Sincerely,

5. Roy Russell OSJ, CFP
Abundant Life Financial Services, Inc.
Douglasville, PA
610-385-4500
 As you know I have been working with Phil Lambing from Phil Simensen’s ING Field
Operations Training and Development unit. Phil Lambing helped us develop a Mission
Statement and Vision Statement. He also helped me developed a business plan for the next
year.
The Mission and Vision Statements are the foundation of our business plan and I would strongly
recommend everyone in Multi-Financial Securities Corporation doing the same thing. It is easy to say,
I had always said I was going to do it, but would somehow be too busy to do it. Phil Lambing has been
the catalyst in getting me to set the time and to do it. Phil has been extremely supportive and
professional in his approach with us. I have learned a great deal already in working with Phil. He has
so much knowledge about our business and experience, which enables him to be right on target with
his instruction and support.
Part of my arrangement with Phil is for him to do workshops for my branch two times a year. He has a
number of important workshops covering areas my representativeshave expressed a desire to attend. I
started with Phil doing the workshop of “Customer Service with a Purpose”. Phil made a really
professional presentation and all of my reps were impressed. They are looking forward to the next
workshop, which we will have in the spring of 2004.
I know from an ING business point of view Phil’s area can be viewed asan “Expense”. From my
point of view, Phil is a very valuable resource to Multi-Financial Securities representatives. If I had to
secure Phil’s services on the “open market” it cost $1,000 to $3,000 perday. The reality is I would not
hire someone from the outside even though I should. It was a pleasant surprise when Phil Simensen
responded to my initial request for help at the 2003 Quick Start conference and assigned Phil Lambing
to work with us. I did not know what to expect and it has turned out to be extremely valuable to me.
Every Multi Rep should be made aware of what Phil’s team can provide for them. I view this unit as
another reason to not want to look at other B/Ds. That has to be worth something to ING in addition
to increased production on the part of my branch.
Andy Krepps
Montgomeryville, PA
215-997-5700
October 28, 2006
 I just wanted to write to you to thank you for the Financial Planning/Practice Management
workshop that you and Philip Lambing produced, directed and put on in our region last
quarter. This two-day workshop was so well received by our planners that I received comments
like these after the two-day event ended:
“Cutting-edge information, wish I had this three years ago.”
“Hands-on skills.”
“Methodical, specific approaches to be used with follow-ups.”
“I liked the fact that there was specific examples that could be used immediately in my practice.”

6. Phil, bottom-line: your workshop on Financial Planning and Practice Management wasone of the
best that our planners have ever attended.
Thank you again for a great workshop and let me know when we can schedule a follow-up session for
the planners that were in attendance.
Sincerely,
Mark A. Jeffries, CFP
Regional Director
 I just spoke with Brad Hall, one of our Premier Partners. Mr. Hall wanted to
call to let us know that he recently attended a seminar given by Phil
Lambing titled "Client Service With A Purpose". Mr. Hall wanted us to
know that this was one of the best seminars he has ever attended. He was
very impressed by the content and by Mr. Lambing's presentation. Mr. Hall
told me that if had one complaint, it would be that the seminar didn't go
longer. According to Mr. Hall, the seminar lasted 2.5 hours and his
impression was that he could have easily absorbed another hour or more
of the presentation.
Dave
David Westlund
ING Financial Partners
Resource Representative
 From: Rudolph Kafer [rudolph.kafer@ingfp.com]
Sent: Thursday, December 18, 2008 2:31 PM
To: Lambing, P. (Phil)
Subject: RE: Chosen or Frozen Materials
Phil,
Thank youverymuch.I haven’tknownyoulong,butyouhave certainlybeenworthlisteningto.Merry
Christmasanda veryHappyNewYear.
Rudy
 From: Larry Rosenthal [larry@makingmoneysense.com]
Sent: Wednesday, May 14, 2008 1:47 PM
To: Lambing, P. (Phil)
Subject: RE: Update: Pam Sams
Thanks Phil. You always bring a truck load of value to the table for us.

7. Larry Rosenthal, CFP®, ChFC, RFC, LUTCF, ChFEBC
President of
Financial Planning Services & Host of
"Making Money Sense" radio show
105.1 FM WAVA Sat. mornings 9:00-10:00
Phone: 703.330.3100
Fax: 703.331.0595
Email: Larry@makingmoneysense.com
Website: www.Larryrosenthal.com
 From: michael.mcadam@ingfp.com
Sent: Thursday, April 17, 2008 9:59 AM
To: Lambing, P. (Phil)
Subject: Re: Update: Richard Matthews and Brad Jones - High Point, NC
Phil,
they called me after u left and were excited saying they felt better about ING and running the
business aspect of the role. thanks for meeting with them.
mike
 From: Sharon Harlan [mitchell.katchen@ingfp.com]
Sent: Monday, March 03, 2008 2:10 PM
To: Lambing, P. (Phil)
Cc: Stych, K. (Kevin)
Subject: Thank you
Hi Phil,
I just wanted to thank you for speaking at our February 26th Training Session. Your discussion
on Smart Works was very informative and the feedback from your talk was extremely positive!
Thank you also for letting us use your laptop for the ING Presents webinar. You really came
through for us and I appreciate your support.
Thank you.
Sincerely,
Mitchell Katchen
Managing Director
ING Financial Partners
674 Route 202-206 North
Bridgewater, NJ 08807
908-526-1411
908-526-0440 - fax

8.  From: Dick Mullaney [richard.mullaney@ingfp.com]
Sent: Friday, September 26, 2008 1:05 PM
To: Swartz, D. (David); Lambing, P. (Phil)
Cc: 'ROBERT TARLOV'
Subject: Yesterday's compliance meeting
Follow Up Flag: Follow up
Due By: Monday, September 29, 2008 12:00 AM
Flag Status: Red
Hey guys, just a quick thank you for your support and fine
performance at the meeting yesterday. I thought it was a great
mix of marketing and sales/planning techniques. It speaks well
of our organization that we can bring quality presentations to
the field like you did. Thanks again,
Dick
Richard T Mullaney CLU
Managing Director
ING Financial Partners
50 Pratt Street
Glastonbury, CT 06033
860-633-2494 office
860-490-7384 cell
860-633-3797 fax
 From: Don Hall [DHall@finance.local]
Sent: Monday, November 20, 2006 11:57 AM
To: Lambing, P. (Phil)
Subject: your visit
Phil,
I hope that the powers that be are aware of your value to those of us out here in the field.
Thank you again for your valuable and appreciated support ofthis office. Your input and patience with us is a great
gift and one that we will build on.
Have a great holiday,
Don
Don C. Hall, CLU, ChFC, RFC
647 Main Street, Suite 405
Johnstown, Pa. 15901
814.536.4200
Investment Advisor Representative
Registered Representative of and securities and Advisory Services offered through ING Financial
Partners, member SIPC. Centennial Financial Group is not a subdidiary of nor controlled by ING
Financial Partners.

9. -----Original Message-----
From: Don Hall [mailto:dchall2@atlanticbbn.net]
Sent: Monday, November 20, 2006 11:52 AM
To: 'Chatham, B. (Bill)'
Subject: Phil Lambing
Bill,
I hope that you will forward this to the appropriate people. Last week we had Phil in our office for
about 4 plus hours. He gave the staff, my new hire agent, and me quality time and information. I am
extremely grateful that Phil would schedule his work to include us. I am even more appreciative of
the information that he shared regarding Smartworks and MoneyGuidePro. If there is an
improvement opportunity, it would be to clone Phil so that he could be twice as useful.
This meeting in our office was highly productive. I hope that this is reflected in any evaluation of
Phil’s worth to ING and to the field force.
Best,
Don
Don C. Hall, CLU, ChFC, RFC
647 Main Street, Suite 405
Johnstown, Pa. 15901
814.536.4200
Investment Advisor Representative
Registered Representative of and securities and Advisory Services offered through ING Financial
Partners, member SIPC. Centennial Financial Group is not a subdidiary of nor controlled by ING
Financial Partners.
 From: Eric Huck [ehuck@BARFinancial.net]
Sent: Monday, October 27, 2008 5:03 PM
To: Lambing, P. (Phil)
Subject: good job
Just wanted you to know that one of our new reps participated in the recommended webx/live trainings for
new reps in the advisory channel. She said your session "say yes to advisory" (I think) was the best of all
of them. keep up the good work
Eric A. Huck, CFP
Partner, BAR Financial, LLC
Regional Director, Financial Network Investment Corporation, Member SIPC
5 Kacey Court, Suite 101
Mechanicsburg, PA 17055
(717) 766-4551
(717) 691-3299
 From: Friemann, J. (James)
Sent: Saturday, January 24, 2009 10:07 PM

10. To: Lambing, P. (Phil)
Subject: RE: FYI
Phil,
I am sorry to hear that you will be leaving ING. I always thought you were very professional and the field
spoke highly of you. I'm sure you have a lot of contacts in the area for new possibilities, but give me a
call if I can help out with some ideas.
Take care and good luck to you.
ING Advisors Network
Securities Compliance Auditor
James Friemann, CLU
I had the privilege of working with Phil for 8 years as he reported to me as a Regional Vice President of
Business Development/Practice Management at ING Advisors Network. Phil has many redeeming
characteristics, most notable; his integrity, trustworthiness, personal accountability and his ability to focus
on end user needs to develop solutions and establish enduring client relationships.
Phil always inspired trust and respect by demonstrating a sincere interest in others. He helped others
achieve results by developing and supporting their self awareness and personal effectiveness skills. He
was also instrumental in providing designs and situations where others could practice skills, acquire new
capabilities and receive feedback and guidance on their progress
Lastly, Phil is team player and has strong character and I could count on Phil do the right things.
Sincerely,
Philip C. Simensen
612-801-8695