MISSISSIPPI ORP. Net. Gross Fund. Fund. Fund. Inception. Stability of Principal

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1 P E R F O R M A N C E U P D A T E MISSISSIPPI ORP Average Annual Total Returns as of: 01/31/2016 (shown in percentages) Mutual funds offered through a retirement plan are investments designed for retirement purposes. Early withdrawals will reduce your account value and if taken prior to age 59 1/2, a 10% IRS penalty may apply. 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. The returns assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. They do not reflect any plan level administrative fees, if applicable; if reflected, returns would be less favorable. You should consider the investment objectives, risks and charges, and expenses of the funds carefully before investing. The prospectus contains this and other information. Anyone who wishes to obtain a free copy of the fund prospectuses may call their Voya representative or the number above. Please read the prospectus carefully before investing. Returns less than one year are not annualized. 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. Money Market BlackRock Liquidity Federal Trust - Inst Shares (2) The 7-day annualized yield as of 01/31/2016 is 0.00%, which more closely reflects current earnings. (7) /03/ Voya Fixed Plus Account III (1)(6) Bonds Inflation-Protected Bond PIMCO Real Return - Institutional Class (3) /29/ Intermediate-Term Bond Metropolitan West Total Return Bond - Class I Shares (4) Asset Allocation /31/ Lifecycle T. Rowe Price Retirement (5) /27/ T. Rowe Price Retirement (5) /30/ T. Rowe Price Retirement (5) /27/ T. Rowe Price Retirement (5) /30/ T. Rowe Price Retirement (5) /27/ T. Rowe Price Retirement (5) /30/ T. Rowe Price Retirement (5) /31/ T. Rowe Price Retirement (5) /29/ T. Rowe Price Retirement (5) /29/ T. Rowe Price Retirement (5) /23/ Balanced Conservative Allocation Page 1 of 5

2 T. Rowe Price Retirement Balanced /30/ Moderate Allocation Vanguard Wellington - Admiral Shares /01/ Large Cap Value Large Blend American s amental InvestorsSM - Class R Vanguard Total Stock Market Index - Institutional Large Value Vanguard Equity Income - Admiral Shares Large Cap Growth Large Growth American s The New Economy - Class R Small/Mid/Specialty /01/ /07/ /13/ /01/ Mid-Cap Blend Vanguard Mid-Cap Index - Institutional Shares Small Blend Vanguard Small-Cap Index - Institutional Shares /21/ /07/ Specialty - Real Estate Vanguard REIT Index - Admiral Shares /12/ Global / International Diversified Emerging Mkts DFA Emerging Markets Core Equity Portfolio - Inst Class Foreign Large Growth Vanguard International Growth - Admiral Shares /05/ /13/ World Allocation First Eagle Global - Class I /31/ 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. *The Expense Ratios shown do not reflect any temporary fee or expense waivers that may be in effect for a fund. The performance of a fund with a temporary fee or expense waiver would have been lower if the gross fund fees / expenses listed had been reflected. Page 2 of 5

3 P E R F O R M A N C E U P D A T E MISSISSIPPI ORP Average Annual Total Returns as of: 12/31/2015 (shown in percentages) Mutual funds offered through a retirement plan are investments designed for retirement purposes. Early withdrawals will reduce your account value and if taken prior to age 59 1/2, a 10% IRS penalty may apply. 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. The returns assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. They do not reflect any plan level administrative fees, if applicable; if reflected, returns would be less favorable. Returns less than one year are not annualized. 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. Money Market BlackRock Liquidity Federal Trust - Inst Shares (2) The 7-day annualized yield as of 12/31/2015 is 0.00%, which more closely reflects current earnings. (7) /03/ Voya Fixed Plus Account III (1)(6) Bonds Inflation-Protected Bond PIMCO Real Return - Institutional Class (3) /29/ Intermediate-Term Bond Metropolitan West Total Return Bond - Class I Shares (4) Asset Allocation /31/ Lifecycle T. Rowe Price Retirement (5) /27/ T. Rowe Price Retirement (5) /30/ T. Rowe Price Retirement (5) /27/ T. Rowe Price Retirement (5) /30/ T. Rowe Price Retirement (5) /27/ T. Rowe Price Retirement (5) /30/ T. Rowe Price Retirement (5) /31/ T. Rowe Price Retirement (5) /29/ T. Rowe Price Retirement (5) /29/ T. Rowe Price Retirement (5) /23/ Balanced Conservative Allocation T. Rowe Price Retirement Balanced /30/ Moderate Allocation Vanguard Wellington - Admiral Shares /01/ Large Cap Value Page 3 of 5

4 Large Blend American s amental InvestorsSM - Class R Vanguard Total Stock Market Index - Institutional Large Value Vanguard Equity Income - Admiral Shares Large Cap Growth /01/ /07/ /13/ Large Growth American s The New Economy - Class R Small/Mid/Specialty /01/ Mid-Cap Blend Vanguard Mid-Cap Index - Institutional Shares Small Blend Vanguard Small-Cap Index - Institutional Shares /21/ /07/ Specialty - Real Estate Vanguard REIT Index - Admiral Shares /12/ Global / International Diversified Emerging Mkts DFA Emerging Markets Core Equity Portfolio - Inst Class Foreign Large Growth Vanguard International Growth - Admiral Shares /05/ /13/ World Allocation First Eagle Global - Class I /31/ 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. *The Expense Ratios shown do not reflect any temporary fee or expense waivers that may be in effect for a fund. The performance of a fund with a temporary fee or expense waiver would have been lower if the gross fund fees / expenses listed had been reflected. Additional Notes (1)The CURRENT rate for the Voya Fixed Plus Account III Base + 25, 4060 is 3.00%, expressed as an annual effective yield, and is guaranteed not to drop below 3.00% through 12/31/2016. The annual rate of interest applied to your account may be higher or lower than the current rate. Restrictions may apply to transfers of funds from the Fixed Account to other contract investment options. Please refer to your product prospectus / disclosure booklet and call your 800 number for more information. (2)BlackRock Liquidity Federal Trust - Institutional Shares: As described in the "Management of the s" section of the 's prospectus beginning on page 62, BlackRock Advisors, LLC ("BlackRock"), the 's investment manager, has contractually agreed to waive fees and/or reimburse ordinary operating expenses in order to keep combined Management Fees and Miscellaneous/Other Expenses from exceeding 0.20% of average daily net assets until March 1, The agreement may be terminated upon 90 days' Page 4 of 5

5 Additional Notes notice by a majority of the non-interested trustees of the Trust or by a vote of a majority of the outstanding voting securities of the. 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. (3)PIMCO Real Return - Institutional Class: "Other Expenses" reflect interest expense. Interest expense results from the 's use of certain investments such as reverse repurchase agreements. Such expense is required to be treated as a expense for accounting purposes and is not payable to Pacific Investment Management Company LLC ("PIMCO"). Any interest expense amount will vary based on the 's use of those investments as an investment strategy best suited to seek the objective of the. Total Annual Operating Expenses excluding interest expense is 0.45%. (4)Metropolitan West Total Return Bond - Class I Shares: Metropolitan West Asset Management, LLC (the "Adviser") has contractually agreed to reduce advisory fees and/or reimburse expenses, including distribution expenses, to limit the 's total annual operating expenses (excluding interest, taxes, brokerage commissions, short sale dividend expenses, acquired fund fees and expenses, and any expenses incurred in connection with any merger or reorganization or extraordinary expenses such as litigation) to 0.49%. The Adviser may recoup reduced fees and expenses within three years, subject to any applicable expense limit at the time of recoupment. This contract will remain in place until July 31, Although it does not expect to do so, the Board of Trustees is permitted to terminate that contract sooner in its discretion with written notice to the Adviser. The expense information in the table has been updated to reflect the amended operating expense limit (effective July 29, 2014) as if it had been in effect during the full fiscal year ending March 31, (5)T.Rowe Price s: This fund provides a simplified option for retirement investing including professional management, broad-based diversification, and low-cost management fees. The principal value of the Retirement s is not guaranteed at any time, including at or after the target date, which is the approximate date when investors turn age 65. The funds invest in a broad range of underlying mutual funds that include stocks, bonds, and short-term investments and are subject to the risks of different areas of the market. The funds emphasize potential capital appreciation during the early phases of retirement asset accumulation, balance the need for appreciation with the need for income as retirement approaches, and focus more on income and principal stability during retirement. The funds maintain a substantial allocation to equities both prior to and after the target date, which can result in greater volatility. In general, the stock portion of the portfolio is subject to market risk, or falling share prices. The bond portion will be affected by interest rate and credit risk. (6)The Investment Option is neither a mutual fund nor part of a Separate Account. The returns listed do not include the impact of contract charges. Please refer to the contract or disclosure book to determine which Fixed Interest Options are available for your specific plan. The Investment Option is offered through Voya Retirement Insurance and Annuity Company. (7)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. The chart shows the performance for each investment option for the time periods shown. Investment Options are listed in asset class order, each of which has unique risk characteristics. Creation : Monday, February 01, 2016 Page 5 of 5

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