Voya Retirement Insurance and Annuity Company

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1 P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company CLACKAMAS COUNTY 457(B) DC PLAN Separate Account D Average Annual Total Returns as of: 11/30/2015 (shown in percentages) Variable annuities and funding agreements are long-term investment vehicles designed for retirement purposes which allow you to allocate contributions among variable investment options that have the potential to grow tax-deferred with an option to receive a stream of income at a later date. Early withdrawals from variable annuities may be subject to surrender charges, and if taken prior to age 59 1/2, a 10% IRS penalty may apply. Withdrawals will also reduce the applicable death benefit and cash surrender value. The performance data quoted represents past performance. Past performance does not guarantee future results. For monthend performance which may be lower or higher than the performance data shown please call Investment return and principal value of an investment will fluctuate so that, when sold, an investment may be worth more or less than the original cost. These numbers reflect total Separate Account charges, ranging from 0.00% to 0.26% on an annual basis. They also assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. See "Additional Notes" section for charges by investment option. Depending upon the type of contract in which you participate, you have either received disclosure booklets for the separate account and/or fund prospectuses. You should consider the investment objectives, risks and charges, and expenses of the variable product and its underlying fund options carefully before investing. The disclosure booklet contains this and other information. Anyone who wishes to obtain a free copy of the separate account disclosure booklet and/or fund prospectuses may call their Voya representative or the number above. Please read the separate account disclosure booklet and/or the fund prospectuses carefully before investing. Returns less than one year are not annualized. ion is the date of inception for the underlying fund, and is the date used in calculating the periodic returns. This date may also precede the portfolio's inclusion in the product. Stability of Principal ion Money Market BlackRock Liquidity Federal Trust - Inst Shares /03/1990 The 7-day annualized Subaccount yield as of 11/30/2015 is 0.00%, which more closely reflects current earnings. (2) Stable Value Voya Stable Value 50 CIT (1) /03/2009 Bonds High Yield Bond Hotchkis and Wiley High Yield - Class I /31/2009 Intermediate-Term Bond Calvert Bond Portfolio - Class I /31/2000 Loomis Sayles Investment Grade Bond - Class Y /02/1997 Short Government Goldman Sachs Short Duration Government - Inst Sh /19/1993 World Bond Templeton Global Bond - Advisor Class /18/1986 Asset Allocation Lifecycle Page 1 of 6

2 ion Clackamas TimeFrame /12/2009 Clackamas TimeFrame /12/2009 Clackamas TimeFrame /12/2009 Clackamas TimeFrame /12/2009 Clackamas TimeFrame /12/2009 Clackamas TimeFrame /12/2009 Clackamas TimeFrame /12/2009 Clackamas TimeFrame /12/2009 Large Cap Value Large Blend Vanguard 500 Index - Admiral Shares /13/2000 Large Value Columbia Dividend Opportunity - Class Z Shares /04/2004 Large Cap Growth Large Growth Neuberger Berman Socially Responsive - Investor Class /16/1994 Small/Mid/Specialty Mid-Cap Blend Columbia Mid Cap Index - Class Z Shares /31/2000 Mid-Cap Growth T. Rowe Price Mid-Cap Growth, Inc /30/1992 Mid-Cap Value Artisan Mid Cap Value - Investor Shares /28/2001 Small Blend Columbia Small Cap Index - Class Z Shares /15/1996 KEELEY Small Cap Value - Class I Shares /31/2007 Small Growth JPMorgan Small Cap Growth - Institutional Class Shares /01/1991 Specialty - Real Estate VY Clarion Global Real Estate Portfolio - Institutional /03/2006 Global / International Diversified Emerging Mkts Oppenheimer Developing Markets - Class Y /07/2005 Foreign Large Blend Dodge & Cox International Stock /01/2001 Foreign Large Growth American s EuroPacific Growth - Class R /16/1984 Foreign Small/Mid Growth ColumbiaSM Acorn International - Class Z Shares /23/1992 World Stock Portfolio 21 - Class I /30/2007 The risks of investing in small company stocks may include relatively low trading volumes, a greater degree of change in earnings and greater short-term volatility. Foreign investing involves special risks such as currency fluctuation and public disclosure, as well as economic and political risks. Some of the s invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the s are not insured nor guaranteed. Page 2 of 6

3 High yielding fixed-income securities generally are subject to greater market fluctuations and risks of loss of income and principal than are investments in lower yielding fixed-income securities. Sector funds may involve greater-than average risk and are often more volatile than funds holding a diversified portfolio of stocks in many industries. Examples include: banking, biotechnology, chemicals, energy, environmental services, natural resources, precious metals, technology, telecommunications, and utilities. Page 3 of 6

4 P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company CLACKAMAS COUNTY 457(B) DC PLAN Separate Account D Average Annual Total Returns as of: 09/30/2015 (shown in percentages) The performance data quoted represents past performance. Past performance does not guarantee future results. For monthend performance which may be lower or higher than the performance data shown please call Investment return and principal value of an investment will fluctuate so that, when sold, an investment may be worth more or less than the original cost. These numbers reflect total Separate Account charges, ranging from 0.00% to 0.26% on an annual basis. They also assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. See "Additional Notes" section for charges by investment option. Returns less than one year are not annualized. ion is the date of inception for the underlying fund, and is the date used in calculating the periodic returns. This date may also precede the portfolio's inclusion in the product. Stability of Principal ion Money Market BlackRock Liquidity Federal Trust - Inst Shares /03/1990 The 7-day annualized Subaccount yield as of 09/30/2015 is 0.00%, which more closely reflects current earnings. (2) Stable Value Voya Stable Value 50 CIT (1) /03/2009 Bonds High Yield Bond Hotchkis and Wiley High Yield - Class I /31/2009 Intermediate-Term Bond Calvert Bond Portfolio - Class I /31/2000 Loomis Sayles Investment Grade Bond - Class Y /02/1997 Short Government Goldman Sachs Short Duration Government - Inst Sh /19/1993 World Bond Templeton Global Bond - Advisor Class /18/1986 Asset Allocation Lifecycle Clackamas TimeFrame /12/2009 Clackamas TimeFrame /12/2009 Clackamas TimeFrame /12/2009 Clackamas TimeFrame /12/2009 Clackamas TimeFrame /12/2009 Clackamas TimeFrame /12/2009 Clackamas TimeFrame /12/2009 Clackamas TimeFrame /12/2009 Large Cap Value Large Blend Page 4 of 6

5 ion Vanguard 500 Index - Admiral Shares /13/2000 Large Value Columbia Dividend Opportunity - Class Z Shares /04/2004 Large Cap Growth Large Growth Neuberger Berman Socially Responsive - Investor Class /16/1994 Small/Mid/Specialty Mid-Cap Blend Columbia Mid Cap Index - Class Z Shares /31/2000 Mid-Cap Growth T. Rowe Price Mid-Cap Growth, Inc /30/1992 Mid-Cap Value Artisan Mid Cap Value - Investor Shares /28/2001 Small Blend Columbia Small Cap Index - Class Z Shares /15/1996 KEELEY Small Cap Value - Class I Shares /31/2007 Small Growth JPMorgan Small Cap Growth - Institutional Class Shares /01/1991 Specialty - Real Estate VY Clarion Global Real Estate Portfolio - Institutional /03/2006 Global / International Diversified Emerging Mkts Oppenheimer Developing Markets - Class Y /07/2005 Foreign Large Blend Dodge & Cox International Stock /01/2001 Foreign Large Growth American s EuroPacific Growth - Class R /16/1984 Foreign Small/Mid Growth ColumbiaSM Acorn International - Class Z Shares /23/1992 World Stock Portfolio 21 - Class I /30/2007 The risks of investing in small company stocks may include relatively low trading volumes, a greater degree of change in earnings and greater short-term volatility. Foreign investing involves special risks such as currency fluctuation and public disclosure, as well as economic and political risks. Some of the s invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the s are not insured nor guaranteed. High yielding fixed-income securities generally are subject to greater market fluctuations and risks of loss of income and principal than are investments in lower yielding fixed-income securities. Sector funds may involve greater-than average risk and are often more volatile than funds holding a diversified portfolio of stocks in many industries. Examples include: banking, biotechnology, chemicals, energy, environmental services, natural resources, precious metals, technology, telecommunications, and utilities. Additional Notes These numbers reflect the fund's investment advisory fees, other fund expenses, and the annual deduction from the Separate Account as stated below: BlackRock Liquidity Federal Trust - Inst Shares, Voya Stable Value 50 CIT, Columbia Dividend Opportunity - Class Z Shares, Artisan Mid Cap Value - Investor Shares, VY Clarion Global Real Estate Portfolio - Institutional, Oppenheimer Developing Markets - Class Y, ColumbiaSM Acorn International - Class Z Shares: 0.00% Hotchkis and Wiley High Yield - Class I: 0.01% Loomis Sayles Investment Grade Bond - Class Y, Templeton Global Bond - Advisor Class, Neuberger Berman Socially Responsive - Investor Class, T. Rowe Price Mid-Cap Growth, Inc.: 0.11% Page 5 of 6

6 Additional Notes Clackamas TimeFrame 2025, Clackamas TimeFrame 2035, Clackamas TimeFrame 2050: 0.13% Clackamas TimeFrame 2020: 0.14% Clackamas TimeFrame 2005, Clackamas TimeFrame 2010, Clackamas TimeFrame 2015: 0.15% Calvert Bond Portfolio - Class I, Vanguard 500 Index - Admiral? Shares, American s EuroPacific Growth - Class R- 6, Portfolio 21 - Class I: 0.26% All Other funds: 0.16% (1)The Stable Value is a group collective investment trust that holds a diversified portfolio of stable value products. The fund is not insured by the FDIC or any bank or governmental agency and fund performance is not guaranteed. The fund is not a mutual fund and interests in the fund have not been registered with the Securities and Exchange Commission. While the fund seeks to provide safety of principal, it is possible to lose money by investing in the fund. An investment in the is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the. (2)The current yield reflects the deduction of all charges that are deducted from the total return quotations shown. Insurance products, annuities and funding agreements issued by Voya Retirement Insurance and Annuity Company One Orange Way Windsor, CT 06095, (VRIAC), which is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services, LLC. All companies are members of the Voya family of companies. Securities are distributed by or offered through Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. Creation : Wednesday, December 02, 2015 Page 6 of 6

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