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 OPPORTUNITY PLUS Variable Annuity Account C, Non-Standardized Returns without a Deferred Sales Charge Average Annual Total Returns as of: 11/30/2015 (shown in percentages) Variable annuities 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/account 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 annual deductions from the Separate Account as follows: for Voya Money Market Portfolio, a 1.25% annual deduction prior to February 15, 2000, a 0.35% annual deduction between February 16, 2000 and January 31, 2012, a 0.45% annual from February 1, 2012 through April 30, 2013, and a 0.55% annual deduction thereafter; and for all other sub accounts, a 1.25% annual deduction prior to February 15, 2000, a 1.10% annual deduction from February 15, 2000 through February 14, 2001, a 1.05% annual deduction from February 15, 2001 through February 14, 2002, a 1.00% annual deduction from February 15, 2002 through January 31, 2012, a 1.10% annual deduction thereafter from February 1, 2012 through April 30, 2013, and a 1.20% annual deduction thereafter. They also assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. Depending upon the type of contract in which you participate, you have either received prospectuses and/or prospectus summaries for the separate account and the funds/variable investment options (vios). You should consider the investment objectives, risks and charges, and expenses of the variable product and its underlying fund options carefully before investing. The prospectus contains this and other information. Anyone who wishes to obtain a free copy of the separate account and/or fund/vios prospectuses may call their Voya representative or the number above. Please read the prospectus or prospectus summaries carefully before investing. Returns less than one year are not annualized. Fund ion is the date of inception for the underlying fund, and is the date used in calculating the periodic returns. The fund inception date indicates the inception date of the underlying investment portfolio, which may precede the portfolio's inclusion in the product. Stability of Principal Fund ion Money Market Voya Money Market Portfolio - Class I /01/1980 The 7-day annualized Subaccount yield as of 11/30/2015 is -0.55%, which more closely reflects current earnings. (11) Bonds High Yield Bond Fidelity VIP High Income Portfolio - Initial Class /19/1985 Voya High Yield Portfolio - Institutional Class /03/2004 Inflation-Protected Bond American Century Inflation-Adjusted Bond Fund - Inv Class /10/1997 PIMCO VIT Real Return Portfolio - Administrative Class /30/1999 Intermediate-Term Bond Voya Intermediate Bond Portfolio - Class I /23/1973 Long-Term Bond Page 1 of 12

2 Nuveen U.S. Infrastructure Bond Fund - Class I Fund ion /08/2014 Short Government Loomis Sayles Limited Term Government and Agency Fund - Cl Y /31/1994 World Bond Voya Global Bond-Int / Janus Aspen Flexible Inc-Inst (1) /13/1993 Voya Global Bond Portfolio - Initial Class /08/2004 Asset Allocation Lifecycle Voya Solution 2025 Portfolio - Initial Class (2) /29/2005 Voya Solution 2035 Portfolio - Initial Class (2) /29/2005 Voya Solution 2045 Portfolio - Initial Class (2) /29/2005 Voya Solution 2055 Portfolio - Initial Class (2) /08/2010 Voya Solution Income Portfolio - Initial Class (2) /29/2005 Lifestyle Voya Strategic Allocation Conservative Portfolio - Class I /05/1995 Voya Strategic Allocation Growth Portfolio - Class I /05/1995 Voya Strategic Allocation Moderate Portfolio - Class I /05/1995 Balanced Moderate Allocation Calvert VP SRI Balanced Portfolio /02/1986 Fidelity VIP Asset Manager Portfolio - Initial Class /06/1989 Pax World Balanced Fund - Individual Investor Class /10/1971 Voya Balanced Portfolio - Class I /03/1989 VY Inv Eqty & Inc Port I/Janus Asp Balanced I (1) /13/1993 VY Invesco Equity and Income Portfolio - Initial Class /10/2001 Large Cap Value Large Blend Amana Income Fund - Investor Class /23/1986 Fidelity VIP Index 500 Portfolio - Initial Class /27/1992 Invesco V.I. Core Equity Fund - Series I Shares /02/1994 Voya Growth and Income Portfolio - Class I /31/1979 Voya Index Plus LargeCap Portfolio - Class I /16/1996 Large Value American Century Income & Growth Fund - A Class (3) /17/1990 American Funds Washington Mutual Investors FundSM - R-4 (4) /31/1952 Fidelity VIP Equity-Income Portfolio - Initial Class /09/1986 Voya Large Cap Value Pt Inst/Pioneer EqtyInc VCT - I ++ (5) /01/1995 Voya Large Cap Value Portfolio - Institutional Class /11/2007 VY Invesco Comstock Portfolio - Service Class /01/2002 Large Cap Growth Large Growth Alger Green Fund - Class A /04/2000 Amana Growth Fund - Investor Class /03/1994 American Funds The Growth Fund of America - Class R-4 (6) /01/1973 Fidelity VIP Contrafund Portfolio - Initial Class /03/1995 Invesco V.I. American Franchise Fund - Series I Shares /03/1995 Voya Large Cap Growth Portfolio - Institutional Class /03/2004 Voya Russell Large Cap Growth Index Portfolio - Class I /01/2009 VY T. Rowe Price Growth Equity Portfolio - Initial Class /28/1997 Small/Mid/Specialty Mid-Cap Blend Page 2 of 12

3 Fund ion Invesco Mid Cap Core Equity Fund - Class A /09/1987 Lord Abbett Series Fund - Mid Cap Stock Portfolio - Cl VC /15/1999 Voya Index Plus MidCap Portfolio - Class I /16/1997 Mid-Cap Growth Voya MidCap Opportunities Portfolio - Class I /05/2000 VY Baron Growth Portfolio - Service Class /01/2002 VY T.Rowe Price Div MidCap-I/Janus Aspen MidCap - I (1) /13/1993 VY T. Rowe Price Diversified Mid Cap Growth Port - Initial /10/2001 Mid-Cap Value BlackRock Mid Cap Value Opportunities Fund - Inv A Shares /01/1995 Invesco American Value Fund - Class R /18/1993 Small Blend Voya Index Plus SmallCap Portfolio - Class I /19/1997 Voya Small Company Portfolio - Class I /27/1996 Small Growth Voya SmallCap Opportunities Portfolio - Class I /06/1994 Small Value Franklin Small Cap Value VIP Fund - Class 2 (7) /01/1998 Wells Fargo Advantage Special Small Cap Value Fund - Class A /07/1993 Specialty - Commodities PIMCO CommodityRealReturn Strategy Fund - Admin Class /14/2003 Specialty - Precious Metals USAA Precious Metals and Minerals Fund - Adviser Shares /02/2010 Specialty - Real Estate VY Clarion Global Real Estate Portfolio - Institutional /03/2006 Global / International Diversified Emerging Mkts Oppenheimer Developing Markets Fund - Class A /18/1996 VY JPMorgan Emerging Markets Equity Portfolio - Inst (8) /18/1998 Foreign Large Blend Fidelity VIP Overseas Portfolio - Initial Class /28/1987 Voya International Index Portfolio - Class I /04/2008 Foreign Large Growth American Funds EuroPacific Growth Fund - Class R-4 (9) /16/1984 Foreign Large Value VY Templeton Foreign Equity Portfolio - Initial Class /03/2006 World Allocation Voya Global Perspectives Portfolio - Class I /25/2013 World Stock American Funds New Perspective Fund - Class R-4 (10) /13/1973 Nuveen Global Infrastructure Fund - Class I /17/2007 Voya Global Value Advantage Portfolio - Class S /28/2008 VY Oppenheimer Global-Int/Janus Aspen Worldwide Gr-Inst (1) /13/1993 VY Oppenheimer Global Portfolio - Initial Class /01/2002 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 Funds invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the Funds are not insured nor guaranteed. Page 3 of 12

4 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 4 of 12

5 P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company OPPORTUNITY PLUS Variable Annuity Account C, Non-Standardized Returns with a Deferred Sales Charge Average Annual Total Returns as of: 11/30/2015 (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 annual deductions from the Separate Account as follows: for Voya Money Market Portfolio, a 1.25% annual deduction prior to February 15, 2000, a 0.35% annual deduction between February 16, 2000 and January 31, 2012, a 0.45% annual from February 1, 2012 through April 30, 2013, and a 0.55% annual deduction thereafter; and for all other sub accounts, a 1.25% annual deduction prior to February 15, 2000, a 1.10% annual deduction from February 15, 2000 through February 14, 2001, a 1.05% annual deduction from February 15, 2001 through February 14, 2002, a 1.00% annual deduction from February 15, 2002 through January 31, 2012, a 1.10% annual deduction thereafter from February 1, 2012 through April 30, 2013, and a 1.20% annual deduction thereafter. They also assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. The deferred sales charge declines over 10 years as follows: 5%, 5%, 5%, 5%, 5%, 4%, 4%, 3%, 3%, 2%. Returns less than one year are not annualized. Fund ion is the date of inception for the underlying fund, and is the date used in calculating the periodic returns. The fund inception date indicates the inception date of the underlying investment portfolio, which may precede the portfolio's inclusion in the product. Stability of Principal Fund ion Money Market Voya Money Market Portfolio - Class I /01/1980 The 7-day annualized Subaccount yield as of 11/30/2015 is -0.55%, which more closely reflects current earnings. (11) Bonds High Yield Bond Fidelity VIP High Income Portfolio - Initial Class /19/1985 Voya High Yield Portfolio - Institutional Class /03/2004 Inflation-Protected Bond American Century Inflation-Adjusted Bond Fund - Inv Class /10/1997 PIMCO VIT Real Return Portfolio - Administrative Class /30/1999 Intermediate-Term Bond Voya Intermediate Bond Portfolio - Class I /23/1973 Long-Term Bond Nuveen U.S. Infrastructure Bond Fund - Class I /08/2014 Short Government Loomis Sayles Limited Term Government and Agency Fund - Cl Y /31/1994 World Bond Voya Global Bond-Int / Janus Aspen Flexible Inc-Inst (1) /13/1993 Voya Global Bond Portfolio - Initial Class /08/2004 Asset Allocation Lifecycle Voya Solution 2025 Portfolio - Initial Class (2) /29/2005 Page 5 of 12

6 Fund ion Voya Solution 2035 Portfolio - Initial Class (2) /29/2005 Voya Solution 2045 Portfolio - Initial Class (2) /29/2005 Voya Solution 2055 Portfolio - Initial Class (2) /08/2010 Voya Solution Income Portfolio - Initial Class (2) /29/2005 Lifestyle Voya Strategic Allocation Conservative Portfolio - Class I /05/1995 Voya Strategic Allocation Growth Portfolio - Class I /05/1995 Voya Strategic Allocation Moderate Portfolio - Class I /05/1995 Balanced Moderate Allocation Calvert VP SRI Balanced Portfolio /02/1986 Fidelity VIP Asset Manager Portfolio - Initial Class /06/1989 Pax World Balanced Fund - Individual Investor Class /10/1971 Voya Balanced Portfolio - Class I /03/1989 VY Inv Eqty & Inc Port I/Janus Asp Balanced I (1) /13/1993 VY Invesco Equity and Income Portfolio - Initial Class /10/2001 Large Cap Value Large Blend Amana Income Fund - Investor Class /23/1986 Fidelity VIP Index 500 Portfolio - Initial Class /27/1992 Invesco V.I. Core Equity Fund - Series I Shares /02/1994 Voya Growth and Income Portfolio - Class I /31/1979 Voya Index Plus LargeCap Portfolio - Class I /16/1996 Large Value American Century Income & Growth Fund - A Class (3) /17/1990 American Funds Washington Mutual Investors FundSM - R-4 (4) /31/1952 Fidelity VIP Equity-Income Portfolio - Initial Class /09/1986 Voya Large Cap Value Pt Inst/Pioneer EqtyInc VCT - I ++ (5) /01/1995 Voya Large Cap Value Portfolio - Institutional Class /11/2007 VY Invesco Comstock Portfolio - Service Class /01/2002 Large Cap Growth Large Growth Alger Green Fund - Class A /04/2000 Amana Growth Fund - Investor Class /03/1994 American Funds The Growth Fund of America - Class R-4 (6) /01/1973 Fidelity VIP Contrafund Portfolio - Initial Class /03/1995 Invesco V.I. American Franchise Fund - Series I Shares /03/1995 Voya Large Cap Growth Portfolio - Institutional Class /03/2004 Voya Russell Large Cap Growth Index Portfolio - Class I /01/2009 VY T. Rowe Price Growth Equity Portfolio - Initial Class /28/1997 Small/Mid/Specialty Mid-Cap Blend Invesco Mid Cap Core Equity Fund - Class A /09/1987 Lord Abbett Series Fund - Mid Cap Stock Portfolio - Cl VC /15/1999 Voya Index Plus MidCap Portfolio - Class I /16/1997 Mid-Cap Growth Voya MidCap Opportunities Portfolio - Class I /05/2000 VY Baron Growth Portfolio - Service Class /01/2002 VY T.Rowe Price Div MidCap-I/Janus Aspen MidCap - I (1) /13/1993 VY T. Rowe Price Diversified Mid Cap Growth Port - Initial /10/2001 Mid-Cap Value Page 6 of 12

7 Fund ion BlackRock Mid Cap Value Opportunities Fund - Inv A Shares /01/1995 Invesco American Value Fund - Class R /18/1993 Small Blend Voya Index Plus SmallCap Portfolio - Class I /19/1997 Voya Small Company Portfolio - Class I /27/1996 Small Growth Voya SmallCap Opportunities Portfolio - Class I /06/1994 Small Value Franklin Small Cap Value VIP Fund - Class 2 (7) /01/1998 Wells Fargo Advantage Special Small Cap Value Fund - Class A /07/1993 Specialty - Commodities PIMCO CommodityRealReturn Strategy Fund - Admin Class /14/2003 Specialty - Precious Metals USAA Precious Metals and Minerals Fund - Adviser Shares /02/2010 Specialty - Real Estate VY Clarion Global Real Estate Portfolio - Institutional /03/2006 Global / International Diversified Emerging Mkts Oppenheimer Developing Markets Fund - Class A /18/1996 VY JPMorgan Emerging Markets Equity Portfolio - Inst (8) /18/1998 Foreign Large Blend Fidelity VIP Overseas Portfolio - Initial Class /28/1987 Voya International Index Portfolio - Class I /04/2008 Foreign Large Growth American Funds EuroPacific Growth Fund - Class R-4 (9) /16/1984 Foreign Large Value VY Templeton Foreign Equity Portfolio - Initial Class /03/2006 World Allocation Voya Global Perspectives Portfolio - Class I /25/2013 World Stock American Funds New Perspective Fund - Class R-4 (10) /13/1973 Nuveen Global Infrastructure Fund - Class I /17/2007 Voya Global Value Advantage Portfolio - Class S /28/2008 VY Oppenheimer Global-Int/Janus Aspen Worldwide Gr-Inst (1) /13/1993 VY Oppenheimer Global Portfolio - Initial Class /01/2002 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 Funds invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the Funds 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. Page 7 of 12

8 P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company OPPORTUNITY PLUS Variable Annuity Account C, Standardized Returns with a Deferred Sales Charge 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 annual deductions from the Separate Account as follows: for Voya Money Market Portfolio, a 1.25% annual deduction prior to February 15, 2000, a 0.35% annual deduction between February 16, 2000 and January 31, 2012, a 0.45% annual from February 1, 2012 through April 30, 2013, and a 0.55% annual deduction thereafter; and for all other sub accounts, a 1.25% annual deduction prior to February 15, 2000, a 1.10% annual deduction from February 15, 2000 through February 14, 2001, a 1.05% annual deduction from February 15, 2001 through February 14, 2002, a 1.00% annual deduction from February 15, 2002 through January 31, 2012, a 1.10% annual deduction thereafter from February 1, 2012 through April 30, 2013, and a 1.20% annual deduction thereafter. They also assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. The deferred sales charge declines over 10 years as follows: 5%, 5%, 5%, 5%, 5%, 4%, 4%, 3%, 3%, 2%. Returns less than one year are not annualized. VAA ion is the date on which contributions were first received in this fund under the Variable Annuity Account, and is the date used in calculating the periodic returns. Stability of Principal VAA ion Money Market Voya Money Market Portfolio - Class I /30/1975 The 7-day annualized Subaccount yield as of 09/30/2015 is -0.55%, which more closely reflects current earnings. (11) Bonds High Yield Bond Fidelity VIP High Income Portfolio - Initial Class /12/1998 Voya High Yield Portfolio - Institutional Class /10/2006 Inflation-Protected Bond American Century Inflation-Adjusted Bond Fund - Inv Class /11/2009 PIMCO VIT Real Return Portfolio - Administrative Class /03/2004 Intermediate-Term Bond Voya Intermediate Bond Portfolio - Class I /31/1978 Long-Term Bond Nuveen U.S. Infrastructure Bond Fund - Class I Short Government Loomis Sayles Limited Term Government and Agency Fund - Cl Y /23/ /19/2014 World Bond Voya Global Bond-Int / Janus Aspen Flexible Inc-Inst (1) /31/1994 Voya Global Bond Portfolio - Initial Class /23/2005 Asset Allocation Lifecycle Voya Solution 2025 Portfolio - Initial Class (2) Voya Solution 2035 Portfolio - Initial Class (2) /04/ /04/2012 Page 8 of 12

9 Voya Solution 2045 Portfolio - Initial Class (2) Voya Solution 2055 Portfolio - Initial Class (2) Voya Solution Income Portfolio - Initial Class (2) VAA ion /04/ /14/ /04/2012 Lifestyle Voya Strategic Allocation Conservative Portfolio - Class I /05/1995 Voya Strategic Allocation Growth Portfolio - Class I /05/1995 Voya Strategic Allocation Moderate Portfolio - Class I /05/1995 Balanced Moderate Allocation Calvert VP SRI Balanced Portfolio /31/1989 Fidelity VIP Asset Manager Portfolio - Initial Class /31/1994 Pax World Balanced Fund - Individual Investor Class /21/2001 Voya Balanced Portfolio - Class I /03/1989 VY Inv Eqty & Inc Port I/Janus Asp Balanced I (1) /30/1995 VY Invesco Equity and Income Portfolio - Initial Class /22/2005 Large Cap Value Large Blend Amana Income Fund - Investor Class /29/2008 Fidelity VIP Index 500 Portfolio - Initial Class /31/1995 Invesco V.I. Core Equity Fund - Series I Shares /10/1999 Voya Growth and Income Portfolio - Class I /01/1975 Voya Index Plus LargeCap Portfolio - Class I /31/1996 Large Value American Century Income & Growth Fund - A Class (3) /30/2001 American Funds Washington Mutual Investors FundSM - R-4 (4) /03/2004 Fidelity VIP Equity-Income Portfolio - Initial Class /31/1994 Voya Large Cap Value Pt Inst/Pioneer EqtyInc VCT - I ++ (5) /26/2001 Voya Large Cap Value Portfolio - Institutional Class /31/2007 VY Invesco Comstock Portfolio - Service Class /06/2002 Large Cap Growth Large Growth Alger Green Fund - Class A /12/2009 Amana Growth Fund - Investor Class /29/2008 American Funds The Growth Fund of America - Class R-4 (6) /03/2004 Fidelity VIP Contrafund Portfolio - Initial Class /31/1995 Invesco V.I. American Franchise Fund - Series I Shares /27/2012 Voya Large Cap Growth Portfolio - Institutional Class /18/2010 Voya Russell Large Cap Growth Index Portfolio - Class I /17/2009 VY T. Rowe Price Growth Equity Portfolio - Initial Class /28/1997 Small/Mid/Specialty Mid-Cap Blend Invesco Mid Cap Core Equity Fund - Class A /14/2004 Lord Abbett Series Fund - Mid Cap Stock Portfolio - Cl VC /26/2001 Voya Index Plus MidCap Portfolio - Class I /04/1998 Mid-Cap Growth Voya MidCap Opportunities Portfolio - Class I /02/2001 VY Baron Growth Portfolio - Service Class /01/2002 VY T.Rowe Price Div MidCap-I/Janus Aspen MidCap - I (1) /30/1994 VY T. Rowe Price Diversified Mid Cap Growth Port - Initial /26/2002 Mid-Cap Value BlackRock Mid Cap Value Opportunities Fund - Inv A Shares /18/2009 Page 9 of 12

10 Invesco American Value Fund - Class R VAA ion /16/2014 Small Blend Voya Index Plus SmallCap Portfolio - Class I /04/1998 Voya Small Company Portfolio - Class I /30/1997 Small Growth Voya SmallCap Opportunities Portfolio - Class I /03/2001 Small Value Franklin Small Cap Value VIP Fund - Class 2 (7) /31/2001 Wells Fargo Advantage Special Small Cap Value Fund - Class A /16/2001 Specialty - Commodities PIMCO CommodityRealReturn Strategy Fund - Admin Class Specialty - Precious Metals USAA Precious Metals and Minerals Fund - Adviser Shares /14/ /11/2011 Specialty - Real Estate VY Clarion Global Real Estate Portfolio - Institutional /05/2008 Global / International Diversified Emerging Mkts Oppenheimer Developing Markets Fund - Class A /21/2001 VY JPMorgan Emerging Markets Equity Portfolio - Inst (8) /10/2005 Foreign Large Blend Fidelity VIP Overseas Portfolio - Initial Class /31/1994 Voya International Index Portfolio - Class I /13/2008 Foreign Large Growth American Funds EuroPacific Growth Fund - Class R-4 (9) /03/2004 Foreign Large Value VY Templeton Foreign Equity Portfolio - Initial Class /25/2008 World Allocation Voya Global Perspectives Portfolio - Class I /12/2014 World Stock American Funds New Perspective Fund - Class R-4 (10) /03/2004 Nuveen Global Infrastructure Fund - Class I /15/2014 Voya Global Value Advantage Portfolio - Class S /06/2015 VY Oppenheimer Global-Int/Janus Aspen Worldwide Gr-Inst (1) /31/1995 VY Oppenheimer Global Portfolio - Initial Class /22/2005 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 Funds invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the Funds 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 An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund. Page 10 of 12

11 Additional Notes (1)The latter fund listed was replaced with the applicable Voya Investment Trust Co. Portfolio (the first fund listed). For most customers this occurred after the close of business on April 15, The performance shown is based on the performance of the replaced fund until April 15, 2005, and the performance of the applicable Voya Investment Trust Co. Portfolio after that date. The replaced fund may not have been available under all contracts. This replacement may have occurred for some customers on April 8, (2)There is no guarantee that any investment option will achieve its stated objective. Principal value fluctuates and there is no guarantee of value at any time, including the target date. The "target date" is the approximate date when you plan to start withdrawing your money. When your target date is reached, you may have more or less than the original amount invested. For each target date Portfolio, until the day prior to its Target, the Portfolio will seek to provide total returns consistent with an asset allocation targeted for an investor who is retiring in approximately each Portfolio's designation Target Year. Prior to choosing a Target Portfolio, investors are strongly encouraged to review and understand the Portfolio's objectives and its composition of stocks and bonds, and how the asset allocation will change over time as the target date nears. No two investors are alike and one should not assume that just because they intend to retire in the year corresponding to the Target that that specific Portfolio is appropriate and suitable to their risk tolerance. It is recommended that an investor consider carefully the possibility of capital loss in each of the target date Portfolios, the likelihood and magnitude of which will be dependent upon the Portfolio's asset allocation. On the Target, the portfolio will seek to provide a combination of total return and stability of principal. Stocks are more volatile than bonds, and portfolios with a higher concentration of stocks are more likely to experience greater fluctuations in value than portfolios with a higher concentration in bonds. Foreign stocks and small and midcap stocks may be more volatile than large cap stocks. Investing in bonds also entails credit risk and interest rate risk. Generally investors with longer timeframes can consider assuming more risk in their investment portfolio. The Voya Solution PortfoliosSM are actively managed and the asset allocation adjusted over time. The portfolios may merge with or change to other portfolios over time. Refer to the prospectus for more information about the specific risks of investing in the various asset classes included in the Voya Solution Portfolios. (3)The performance of the Advisor Shares prior to December 15, 1997 reflects the performance of a different class of American Century Fund shares, restated estimated fees and expenses, ignoring any fee and expense limitations. (4)The Washington Mutual Investors FundSM - Class R-4 commenced operations on May 20, The fund has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class A of this fund. The performance information for the Washington Mutual Investors FundSM - Class R-4 prior to May 20, 2002 is based upon the Class A performance, adjusted by fees associated with Class R-4. (5)The performance shown is based on the performance of the replaced fund until July 27, 2007, and the performance of the applicable Voya Portfolio after that date. The replaced fund may not have been available under all contracts. (6)The Growth Fund of America - Class R-4 commenced operations on May 15, Class R-4 has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class A. The performance information above prior to May 15, 2002 is based upon the Class A performance adjusted by the fee differences between classes. (7)The FTVIP Franklin Small Cap Value Securities Fund - Class 2 commenced operations on January 6, The fund has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class 1 of this fund. The performance information for the FTVIP Franklin Small Cap Value Securities Fund - Class 2 prior to January 6, 1999 is based upon the Class 1 performance, adjusted by fees associated with the Class 2. (8)VY JPMorgan Emerging Markets Equity Portfolio - Institutional Class commenced operations on April 29, The Institutional Class has the identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as the Service Class. The performance information shown above prior to April 29, 2005 is based upon the Service Class performance adjusted by the fee differences between classes. (9)EuroPacific Growth Fund - Class R-4 commenced operations on May 15, Class R-4 has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class A. The performance information above prior to May 15, 2002 is based upon the Class A performance adjusted by the fee differences between classes. (10)The New Perspective Fund - Class R-4 commenced operations on May 28, The fund has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class A of this fund. The performance information for the New Perspective Fund - Class R-4 prior to May 28, 2002 is based upon the Class A performance, adjusted by fees associated with Class R-4. (11)The current yield reflects the deduction of all charges that are deducted from the total return quotations shown, except the maximum 5% deferred sales charge. 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. The deferred sales charge (DSC) applies to amounts withdrawn from the Voya Fixed Account, and to amounts withdrawn from the variable investments options and Voya Guaranteed Accumulation Accounts only if such amounts were attributable to amounts held in the Voya Fixed Account during the first 10 years of a participant's account with Voya. The deferred sales charge is also waived for Page 11 of 12

12 Additional Notes certain circumstances as described in the prospectus and/or contract certificate. Creation : Wednesday, December 02, 2015 Page 12 of 12