Investment Performance

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PERFORMANCE UPDATE  
 
SMITH COLLEGE DC RETIREMENT PLAN  
 
Average Annual Total Returns as of 07/31/2017    (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 month-end performance which may be lower or higher than the performance data shown please call 800-584-6001.  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. An asset based Administrative Fee is deducted from your account quarterly at an annual rate of 0.11% of balances held in each of the funds except for the Voya Fixed Plus Account III.  The performance data shown below does not reflect this administrative expense. If such fees had been reflected, the performance data shown for each option would have been lower. 

 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.  Fund Inception Date 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. 


 Investment Options 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr10-Yr InceptFund Inception Date Gross Fund Exp %* Net Fund Exp %* 
Stability of Principal   
   Money Market 
Fidelity® Money Market Trust Retirement Govt Mny Mkt II Port - 7722 (2)0.050.130.220.260.100.060.6010/17/19960.42 0.42  
The 7-day annualized yield as of 07/31/2017 is 0.64%, which more closely reflects current earnings.  (16) 
   Stability of Principal 
Voya Fixed Plus Account III - 4020 (1)(15)0.170.501.162.092.272.362.87   
Bonds   
   High Yield Bond 
Principal High Yield I Fund - Institutional Class - 3196 (3)1.111.725.088.854.165.687.9012/29/20040.66 0.66  
   Inflation-Protected Bond 
BlackRock Inflation Protected Bond Pt - Institutional Shares - 1795 (4)0.40-0.611.34-0.880.06-0.314.0106/28/20040.56 0.35  
   Intermediate-Term Bond 
Janus Henderson Flexible Bond Portfolio - Inst Shares - 118 (5)0.431.193.010.282.292.435.7609/13/19930.60 0.60  
Vanguard® Total Bond Market Index Fund - Admiral™ Shares - 898 0.401.102.81-0.692.661.944.4111/12/20010.05 0.05  
   Long Government 
PIMCO Long-Term U.S. Government Fund - Institutional Class - 3197 (6)-0.452.145.65-8.725.031.867.5907/01/19910.54 0.48  
   World Bond 
Templeton Global Bond Fund - Advisor Class - 5050 (7)-0.45-1.142.8210.781.183.196.4309/18/19860.74 0.68  
Asset Allocation   
   Lifecycle 
T. Rowe Price Retirement 2005 Fund - 9082 (8)1.252.537.086.964.476.365.0402/27/20040.60 0.60  
T. Rowe Price Retirement 2010 Fund - 1684 (8)1.362.697.677.784.827.125.1209/30/20020.59 0.59  
T. Rowe Price Retirement 2015 Fund - 1685 (8)1.513.148.829.415.458.295.4702/27/20040.62 0.62  
T. Rowe Price Retirement 2020 Fund - 1686 (8)1.763.7310.4411.386.159.405.7409/30/20020.66 0.66  
T. Rowe Price Retirement 2025 Fund - 1687 (8)1.944.2111.7412.996.7610.395.9702/27/20040.69 0.69  
T. Rowe Price Retirement 2030 Fund - 1688 (8)2.134.6112.9214.617.2811.236.1809/30/20020.72 0.72  
T. Rowe Price Retirement 2035 Fund - 1689 (8)2.264.9213.8715.837.6511.846.3402/27/20040.74 0.74  
T. Rowe Price Retirement 2040 Fund - 1690 (8)2.425.2214.6516.937.9412.266.5309/30/20020.76 0.76  
T. Rowe Price Retirement 2045 Fund - 1691 (8)2.455.2814.9217.268.0512.316.5705/31/20050.76 0.76  
T. Rowe Price Retirement 2050 Fund - 1692 (8)2.445.3014.8417.258.0612.316.5512/29/20060.76 0.76  
T. Rowe Price Retirement 2055 Fund - 1693 (8)2.445.2914.8117.228.0412.316.5512/29/20060.76 0.76  
T. Rowe Price Retirement 2060 Fund - 6980 (8)2.465.2414.7917.148.047.2306/23/20140.76 0.76  
Balanced   
   Allocation--30% to 50% Equity 
T. Rowe Price Retirement Balanced Fund - 1694 1.182.316.717.004.145.874.8809/30/20020.57 0.57  
Large Cap Value   
   Large Blend 
Schwab Total Stock Market Index Fund® - 3193 1.873.8411.0016.0610.4114.647.9506/01/19990.03 0.03  
   Large Value 
Nuveen Dividend Value Fund - Class I - 3194 0.591.765.9815.347.7112.377.4108/02/19940.82 0.82  
Large Cap Growth   
   Large Growth 
Neuberger Berman Socially Responsive Fund - Inst Class - 7069 (9)1.714.1111.4115.789.7914.887.2903/16/19940.68 0.68  
Wells Fargo Growth Fund - Institutional Class - 2289 (10)3.045.4721.8516.449.9012.8710.5602/24/20000.82 0.75  
Small/Mid/Specialty   
   Mid-Cap Blend 
Columbia Mid Cap Index Fund - Class Z Shares - 1822 (11)0.871.976.7614.4410.2114.908.9603/31/20000.31 0.20  
   Mid-Cap Growth 
Voya MidCap Opportunities Fund - Class I - 2224 (12)0.572.4413.3212.0510.1413.129.7508/20/19981.02 0.98  
   Mid-Cap Value 
Virtus Ceredex Mid-Cap Value Equity Fund - Class I - 2290 (13)0.271.526.9717.858.5814.899.2611/30/20011.10 1.09  
   Small Blend 
Schwab Small-Cap Index Fund® - 3192 0.752.095.8018.449.9214.208.4105/20/19970.05 0.05  
   Specialty - Global Real Estate 
Prudential Global Real Estate Fund - Class Z - 3170 1.874.407.06-2.243.356.843.5705/05/19980.94 0.94  
Global / International   
   Diversified Emerging Mkts 
Oppenheimer Developing Markets Fund - Class Y - 1954 5.489.7325.2425.121.466.034.7809/07/20051.07 1.07  
   Foreign Large Blend 
MFS® International Diversification Fund - Class I - 3195 (14)2.146.9519.9916.765.149.013.5909/30/20040.96 0.93  
Vanguard® Total International Stock Index Fund - Admiral™ - 9889 3.447.0918.7418.913.048.321.6204/29/19960.11 0.11  
 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. 
 *The Gross 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. 



PERFORMANCE UPDATE  
 
SMITH COLLEGE DC RETIREMENT PLAN  
 
Average Annual Total Returns as of 06/30/2017    (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 month-end performance which may be lower or higher than the performance data shown please call 800-584-6001.  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. An asset based Administrative Fee is deducted from your account quarterly at an annual rate of 0.11% of balances held in each of the funds except for the Voya Fixed Plus Account III.  The performance data shown below does not reflect this administrative expense. If such fees had been reflected, the performance data shown for each option would have been lower. 

 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.  Fund Inception Date 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. 


 Investment Options 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr10-Yr InceptFund Inception Date Gross Fund Exp %* Net Fund Exp %* 
Stability of Principal   
   Money Market 
Fidelity® Money Market Trust Retirement Govt Mny Mkt II Port - 7722 (2)0.040.110.170.210.080.050.6310/17/19960.42 0.42  
The 7-day annualized yield as of 06/30/2017 is 0.57%, which more closely reflects current earnings.  (16) 
   Stability of Principal 
Voya Fixed Plus Account III - 4020 (1)(15)0.160.490.992.122.282.372.88   
Bonds   
   High Yield Bond 
Principal High Yield I Fund - Institutional Class - 3196 (3)-0.151.523.9210.223.225.877.4812/29/20040.66 0.66  
   Inflation-Protected Bond 
BlackRock Inflation Protected Bond Pt - Institutional Shares - 1795 (4)-1.02-0.480.93-0.40-0.07-0.034.2006/28/20040.56 0.35  
   Intermediate-Term Bond 
Janus Henderson Flexible Bond Portfolio - Inst Shares - 118 (5)0.081.612.580.602.002.665.7809/13/19930.60 0.60  
Vanguard® Total Bond Market Index Fund - Admiral™ Shares - 898 0.021.482.40-0.442.442.144.4611/12/20010.05 0.05  
   Long Government 
PIMCO Long-Term U.S. Government Fund - Institutional Class - 3197 (6)0.724.186.12-6.515.342.627.8907/01/19910.54 0.48  
   World Bond 
Templeton Global Bond Fund - Advisor Class - 5050 (7)0.66-1.303.2910.421.323.826.5809/18/19860.74 0.68  
Asset Allocation   
   Lifecycle 
T. Rowe Price Retirement 2005 Fund - 9082 (8)0.152.265.757.753.706.374.7602/27/20040.60 0.60  
T. Rowe Price Retirement 2010 Fund - 1684 (8)0.222.396.228.694.027.104.7709/30/20020.59 0.59  
T. Rowe Price Retirement 2015 Fund - 1685 (8)0.332.847.1910.504.538.235.0802/27/20040.62 0.62  
T. Rowe Price Retirement 2020 Fund - 1686 (8)0.413.368.5312.675.109.275.2909/30/20020.66 0.66  
T. Rowe Price Retirement 2025 Fund - 1687 (8)0.473.799.6114.595.5710.215.4602/27/20040.69 0.69  
T. Rowe Price Retirement 2030 Fund - 1688 (8)0.574.2310.5616.296.0111.015.6509/30/20020.72 0.72  
T. Rowe Price Retirement 2035 Fund - 1689 (8)0.614.4911.3617.706.2911.575.7802/27/20040.74 0.74  
T. Rowe Price Retirement 2040 Fund - 1690 (8)0.664.7211.9318.856.5111.935.9509/30/20020.76 0.76  
T. Rowe Price Retirement 2045 Fund - 1691 (8)0.694.7812.1619.146.6011.995.9905/31/20050.76 0.76  
T. Rowe Price Retirement 2050 Fund - 1692 (8)0.684.8412.1019.156.6012.005.9812/29/20060.76 0.76  
T. Rowe Price Retirement 2055 Fund - 1693 (8)0.684.7612.0719.146.6011.975.9712/29/20060.76 0.76  
T. Rowe Price Retirement 2060 Fund - 6980 (8)0.624.8012.0319.106.596.5806/23/20140.76 0.76  
Balanced   
   Allocation--30% to 50% Equity 
T. Rowe Price Retirement Balanced Fund - 1694 0.182.005.467.693.455.864.6509/30/20020.57 0.57  
Large Cap Value   
   Large Blend 
Schwab Total Stock Market Index Fund® - 3193 0.913.008.9618.479.0014.457.3706/01/19990.03 0.03  
   Large Value 
Nuveen Dividend Value Fund - Class I - 3194 1.291.435.3518.586.7812.537.0308/02/19940.82 0.82  
Large Cap Growth   
   Large Growth 
Neuberger Berman Socially Responsive Fund - Inst Class - 7069 (9)-0.352.679.5319.108.3314.666.7603/16/19940.68 0.68  
Wells Fargo Growth Fund - Institutional Class - 2289 (10)-0.655.7718.2520.398.0512.0810.2302/24/20000.82 0.75  
Small/Mid/Specialty   
   Mid-Cap Blend 
Columbia Mid Cap Index Fund - Class Z Shares - 1822 (11)1.601.925.8418.338.3014.688.3903/31/20000.31 0.20  
   Mid-Cap Growth 
Voya MidCap Opportunities Fund - Class I - 2224 (12)-0.493.6212.6816.698.8412.749.5008/20/19981.02 0.98  
   Mid-Cap Value 
Virtus Ceredex Mid-Cap Value Equity Fund - Class I - 2290 (13)1.591.456.6822.296.7914.718.5311/30/20011.10 1.09  
   Small Blend 
Schwab Small-Cap Index Fund® - 3192 3.432.475.0224.637.4113.727.6505/20/19970.05 0.05  
   Specialty - Global Real Estate 
Prudential Global Real Estate Fund - Class Z - 3170 1.143.795.09-0.192.747.002.7905/05/19980.94 0.94  
Global / International   
   Diversified Emerging Mkts 
Oppenheimer Developing Markets Fund - Class Y - 1954 1.156.9318.7422.58-0.434.984.6209/07/20051.07 1.07  
   Foreign Large Blend 
MFS® International Diversification Fund - Class I - 3195 (14)-0.168.7817.4718.763.598.753.2009/30/20040.96 0.93  
Vanguard® Total International Stock Index Fund - Admiral™ - 9889 0.545.8214.7920.051.357.681.1704/29/19960.11 0.11  
 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. 
 *The Gross 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 MC 902, Fund 4020 is 2.00%, expressed as an annual effective yield. The current rate may change and be higher or lower than the previously identified rate but is guaranteed not to be less than 1.00%. Any rate change initiated solely by VRIAC will be guaranteed to remain in effect until the last day of the three-month period measured from the first day of the month in which such change was made. Note: The current rate for a plan's initial investment in the fixed account previously identified may be in effect for less than a full three-month period. 

(2) YOU COULD LOSE MONEY BY INVESTING IN THE FUND. ALTHOUGH THE FUND SEEKS TO PRESERVE THE VALUE OF YOUR INVESTMENT AT $1.00 PER SHARE, IT CANNOT GUARANTEE IT WILL DO SO. AN INVESTMENT IN THE FUND IS NOT INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENT AGENCY. THE FUND'S SPONSOR HAS NO LEGAL OBLIGATION TO PROVIDE FINANCIAL SUPPORT TO THE FUND, AND YOU SHOULD NOT EXPECT THAT THE SPONSOR WILL PROVIDE FINANCIAL SUPPORT TO THE FUND AT ANY TIME. 
(3) Principal High Yield I Fund - Institutional Class: Principal Management Corporation ("Principal"), the investment advisor, has contractually agreed to limit the Fund's expenses by paying, if necessary, expenses normally payable by the Fund, (excluding interest expense, expenses related to fund investments, acquired fund fees and expenses, and other extraordinary expenses) to maintain a total level of operating expenses (expressed as a percent of average net assets on an annualized basis) not to exceed 0.61%. It is expected that the expense limits will continue through the period ending February 28, 2017; however, Principal Funds, Inc. and Principal, the parties to the agreement, may mutually agree to terminate the expense limits prior to the end of the period. 

(4) BlackRock Inflation Protected Bond Portfolio - Institutional Shares: BlackRock has contractually agreed to waive and/or reimburse fees or expenses in order to limit Total Annual Fund Operating Expenses After Fee Waivers and/or Expense Reimbursements (excluding Dividend Expense, Interest Expense, Acquired Fund Fees and Expenses and certain other Fund expenses) to 0.42% of average daily net assets through January 31, 2017. The Fund may have to repay some of these waivers and/or reimbursements to BlackRock in the two years following such waivers and/or reimbursements. The contractual agreement may be terminated upon 90 days' notice by a majority of the non-interested trustees of BlackRock Funds II or by a vote of a majority of the outstanding voting securities of the Fund. 

(5) Janus Aspen Series Flexible Bond Portfolio - Institutional Shares: Janus Capital has contractually agreed to waive its investment advisory fee and/or reimburse Portfolio expenses to the extent that the Portfolio's total annual fund operating expenses (excluding administrative services fees payable pursuant to the Transfer Agency Agreement, brokerage commissions, interest, dividends, taxes, acquired fund fees and expenses, and extraordinary expenses) exceed 0.57% until at least May 1, 2016. The contractual waiver may be terminated or modified prior to this date only at the discretion of the Portfolio's Board of Trustees. 
(6) PIMCO Long-Term U.S. Government Fund - Institutional Class: "Other Expenses" reflect interest expense. Interest expense results from the Fund's use of reverse repurchase agreements and sale-buyback transactions. Such expense is required to be treated as a Fund expense for accounting purposes and is not payable to Pacific Investment Management Company LLC ("PIMCO"). Any interest expense amount will vary based on the Fund's use of those investments as an investment strategy best suited to seek the objective of the Fund. Total Annual Fund Operating Expenses excluding interest expense is 0.475%. 

(7) Templeton Global Bond Fund - Advisor Class: The investment manager has contractually agreed in advance to reduce its fee as a result of the Fund's investment in a Franklin Templeton money fund (acquired fund) for at least the next 12-month period. Contractual fee waiver and/or expense reimbursement agreements may not be changed or terminated during the time periods set forth above. Total annual Fund operating expenses differ from the ratio of expenses to average net assets shown in the Financial Highlightswithin the fund's prospectus, which reflect the operating expenses of the Fund and do not include acquired fund fees and expenses. 

(8) T.Rowe Price Funds: 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 Funds 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. 

(9) Neuberger Berman Socially Responsive Fund - Inst Class: The Fund has agreed that the Class will repay Neuberger Berman Management LLC (NBM) for fees and expenses waived or reimbursed for the class provided that repayment does not cause annual operating expenses (excluding interest, taxes, brokerage commissions, acquired fund fees and expenses, dividend expenses relating to short sales, and extraordinary expenses, if any) to exceed 0.75% of the class' average net assets, respectively. Any such repayment must be made within three years after the year in which NBM incurred the expense.

 

(10) Wells Fargo Growth Fund - Institutional Class: The Manager has contractually committed through November 30, 2016 to waive fees and/or reimburse expenses to the extent necessary to cap the Fund's Total Annual Fund Operating Expenses After Fee Waiver at the amounts shown above. Brokerage commissions, stamp duty fees, interest, taxes, acquired fund fees and expenses, and extraordinary expenses are excluded from the cap. After this time, the cap may be increased or the commitment to maintain the cap may be terminated only with the approval of the Board of Trustees. 

(11) Columbia Mid Cap Index Fund - Class Z Shares: Columbia Management Investment Advisers, LLC and certain of its affiliates have contractually agreed to waive fees and/or to reimburse expenses (excluding transaction costs and certain other investment related expenses, interest, taxes, acquired fund fees and expenses, and infrequent and/or unusual expenses) until June 30, 2017, unless sooner terminated at the sole discretion of the Fund's Board of Trustees. Under this agreement, the Fund's net operating expenses, subject to applicable exclusions, will not exceed the annual rates of 0.20%. 

(12) Voya MidCap Opportunities Fund - Class I: The adviser and distributor are contractually obligated to limit expenses to 0.90% through October 1, 2017. In addition, the adviser is contractually obligated to further limit expenses to 0.79% through October 1, 2017. The limitations do not extend to interest, taxes, investment-related costs, leverage expenses, extraordinary expenses, and Acquired Fund Fees and Expenses. These limitations are subject to possible recoupment by the adviser within 36 months of the waiver or reimbursement. Termination or modification of these obligations requires approval by the Fund's board. 

(13) RidgeWorth Mid-Cap Value Equity Fund - I Shares: The Adviser and Subadviser have contractually agreed to waive fees and reimburse expenses until at least August 1, 2017 in order to keep Total Annual Fund Operating Expenses (excluding, as applicable, taxes, brokerage commissions, substitute dividend expenses on securities sold short, interest expense, extraordinary expenses and Acquired Fund Fees and Expenses) from exceeding 1.15%. This agreement may be terminated upon written notice to the Adviser by RidgeWorth Funds. 

(14) MFS International Diversification Fund - Class I: Massachusetts Financial Services Company has agreed in writing to bear the fund's expenses, excluding management fees, distribution and service fees, interest, taxes, extraordinary expenses, brokerage and transaction costs, and investment-related expenses, including fees and expenses associated with investments in investment companies and other similar investment vehicles, such that "Other Expenses" do not exceed 0.10% of the class' average daily net assets annually. This written agreement will continue until modified by the fund's Board of Trustees, but such agreement will continue until at least September 30, 2017. 

(15) 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. 

(16) 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. 



Creation Date: Sunday, August 20, 2017

Insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided by) Voya Retirement Insurance and Annuity Company ("VRIAC"), Windsor, CT. VRIAC is solely responsible for its own financial condition and contractual obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services LLC ("VIPS").  VIPS does not engage in the sale or solicitation of securities. All companies are members of the Voya® family of companies. Securities distributed by Voya Financial Partners LLC (member SIPC) or third parties with which it has a selling agreement. Custodial account agreements or trust agreements are provided by Voya  Institutional Trust Company. All products and services may not be available in all states.