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ingannuities.

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Most do not understand the
financial risks of retirement either, such as investment risk, inflation risk
and longevity risk.
H-Quotient, Inc. Because the rate was one share of SNDH
for 10 shares of HQNT, $.

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"We hope to make a difference in the retirement future of America by
creating awareness," said Harry N. For more information, visit http://www.

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ING Initiative Helps Guide Investment Advisors through New Era of Retirement Income Planning

Awareness is key to solving "America 's Income Challenge"

WEST CHESTER, Pa., the ING family of companies offer a comprehensive array of
financial services to retail and institutional clients which include life
insurance, retirement plans, mutual funds, managed accounts, alternative
investments, direct banking, institutional investment management, annuities,
employee benefits, financial planning, and reinsurance.

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com

The dividend has been fully paid by H-Quotient; however, many stockholders
have not yet received it. The value of the dividend
paid in Standard Holdings stock, which closed at $2.

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divigard@us .
(OTC: SNDH) stock for every 10 shares of H-Quotient stock. Neither H-Quotient nor its transfer agent
can assist in this effort because they have already paid the dividend in
full to the bona fide owners of record.

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We are personally reaching out to financial
advisors and encouraging them to do the same with their clients - to talk
about both retirement income challenges and possible solutions .

Press inquiries:
Christina Divigard, ING Americas, 860 723 2293 or
christina . H-Quotient shareholders who have not
received their dividends are urged to immediately contact their brokers and
demand payment of the dividend.

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, ING Annuities today announced a
new initiative to help financial advisors see their clients through the
transition from saving for retirement to living in retirement.com . ING holds top-tier
rankings in key U.

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Therefore, the Standard Holdings shares paid as dividends are being
treated as $. Actual results could differ materially from the assumptions
currently anticipated.

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" ING believes financial advisors will be a
driving force in helping Americans understand these risks and solve retirement
income challenges, especially for the first wave of Baby Boomers that will
begin to retire in 2008. "We are
passionate about getting people to start thinking about - and talking about -
retirement income planning.ing.50 per share.com.

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ABOUT ING
ING is a global financial institution of Dutch origin offering banking,
insurance and asset management to over 60 million private, corporate and
institutional clients in more than 50 countries . With a diverse workforce of
over 112,000 people, ING comprises a broad spectrum of prominent companies
that increasingly serve their clients under the ING brand.

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ING's "Solving America's Income Challenge" initiative provides financial
advisors tools, guidance and support systems to better understand the
realities of retirement income and what it may mean for their clients. at the time the dividend was announced, February 17,
2005. HQNT, which
closed at $. The stock
opened on April 25 at $.

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Financial advisors interested in learning more about solving "America's Income
Challenge" can request a tool kit that includes useful information, as well as
reference and marketing materials , from the company by calling 800-366-0066 or
visiting http://www.S.55 in the form of one share of Standard Holdings Group Ltd. The most likely reason for this occurrence is
short selling.

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ING is tapping
one of its greatest assets, the strength and scale of its wholesaling team, to
provide financial advisors across the country with resources that may help
them jump start a retirement income planning revolution, one person at a time. Stout, president, ING Annuities.com .26.

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50 on April 22, was
applied to H-Quotient stock by NASD.

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"
Through its research, ING identified a critical double -threat described as
"America's Income Challenge": two-thirds of Americans do not know how much
income they will need to live on during retirement, nor do they have a plan
for "paying themselves" once they stop working.S. Brokerages, not H-Quotient, are required to pay the dividend
to stockholders to whom they have shorted stock, and several brokerage
firms have apparently yet to do so.

This announcement may contain, in addition to historical information,
certain forward-looking statements that involve risks and uncertainties.

For more information visit the H-Quotient web site at www .standardholdingsgroup.

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55 for tax purposes.hquotient.

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ING research shows that Americans, in general , have been saving for
retirement, but do not have a plan for turning their savings into lifelong
retirement income, nor have they considered all the risks that may affect
their "retirement paycheck .

PRESS RELEASE H-Quotient Dividend Paid

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markets and serves over 14 million customers across the
nation .

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ing.51 on April 22, was therefore adjusted to $.com and
the Standard Holdings Group web site at
http: //www.

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In the U. (OTC: HQNT) paid a cash
dividend of $.25 per share was applied to HQNT .
Such statements reflect management's current views and are based on certain
assumptions.

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The value was
established by H-Quotient's auditors based upon the price of Standard
Holdings Group Ltd.

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For example, industry data indicates that Baby Boomers
have a 50-50 chance of living past age 90, but most do not have a plan in
place to ensure adequate income for 25 or more years in retirement , according
to ING research.

H-Quotient traded ex-dividend on April 25, 2005.

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