Investment Performance

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 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.

These numbers reflect total Separate Account charges of 0.65% 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.

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. 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 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 Inception Date 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.

Investment Options Asset Class 1 - Mo 3 - Mo YTD 1 - Yr 3 - Yr 5 - Yr 10 - Yr Incept Fund Inception Date Gross Fund Exp %* Net Fund Exp %*
Voya Government Money Market Portfolio - Class I - 003 (3) Stability of Principal 0.34 1.09 0.70 4.26 1.67 1.12 0.50 01/01/1980
Voya Fixed Plus Account (4565) - 4565 (1)(5) Stability of Principal 0.23 0.74 0.49 3.01 3.00 3.00 3.00
Voya Fixed Plus Account (4566) - 4566 (2)(5) Stability of Principal 0.23 0.74 0.49 3.01 3.00 3.00 3.00
Voya Intermediate Bond Portfolio - Class I - 004 Bonds -1.10 2.75 -1.15 4.42 -3.52 0.32 1.31 05/23/1973
Voya Index Solution 2025 Portfolio - Service Class - 1540 (4) Asset Allocation 1.81 6.29 1.85 12.55 1.52 5.46 4.80 03/04/2008
Voya Index Solution 2030 Portfolio - Service Class - 6766 (4) Asset Allocation 2.33 7.12 2.14 13.77 2.17 6.24 5.52 10/03/2011
Voya Index Solution 2035 Portfolio - Service Class - 1543 (4) Asset Allocation 2.99 7.96 2.93 16.12 2.80 6.97 6.01 03/04/2008
Voya Index Solution 2040 Portfolio - Service Class - 6769 (4) Asset Allocation 3.58 8.85 3.52 17.85 3.87 8.07 6.67 10/03/2011
Voya Index Solution 2045 Portfolio - Service Class - 1546 (4) Asset Allocation 3.97 9.39 3.91 19.10 4.55 8.62 7.00 03/04/2008
Voya Index Solution 2050 Portfolio - Service Class - 6772 (4) Asset Allocation 4.12 9.66 4.12 19.60 4.68 8.64 7.04 10/03/2011
Voya Index Solution 2055 Portfolio - Service Class - 1162 (4) Asset Allocation 4.18 9.68 4.12 19.68 4.69 8.70 7.06 03/08/2010
Voya Index Solution 2060 Portfolio - Service Class - 3212 Asset Allocation 4.20 9.69 4.14 19.65 4.75 8.80 7.37 02/09/2015
Voya Index Solution 2065 Portfolio - Service Class - E476 Asset Allocation 4.29 9.88 4.23 19.89 4.87 9.25 07/29/2020
Voya Index Solution Income Portfolio - Service Class - 1549 (4) Asset Allocation 0.79 4.55 0.73 9.21 -0.16 3.41 3.07 03/04/2008
VY® Invesco Equity and Income Portfolio - Initial Class - 452 Balanced 2.67 7.63 2.79 10.73 5.01 7.83 6.49 12/10/2001
American Funds Fundamental Investors® - Class R-4 - 1208 Large Cap Value/Blend 5.79 13.08 6.85 29.08 9.44 11.99 10.59 08/01/1978
Voya Large Cap Value Portfolio - Institutional Class - 1213 Large Cap Value/Blend 3.88 10.47 4.71 14.72 10.67 11.50 8.57 05/11/2007
Fidelity® VIP Growth Portfolio - Initial Class - 109 Large Cap Growth 8.71 18.59 13.10 46.27 11.17 18.89 14.60 10/09/1986
Voya Index Plus MidCap Portfolio - Class I - 053 Small/Mid/Specialty 5.56 13.42 4.24 13.51 7.01 8.96 7.66 12/16/1997
Voya MidCap Opportunities Portfolio - Class I - 081 Small/Mid/Specialty 7.94 14.28 8.72 26.24 2.52 11.80 9.86 05/05/2000
VY® American Century Small-Mid Cap Value Portfolio- Service - 440 Small/Mid/Specialty 2.00 7.09 -0.11 2.52 5.70 8.30 7.91 05/01/2002
Voya Index Plus SmallCap Portfolio - Class I - 052 Small/Mid/Specialty 3.58 12.66 -0.02 8.18 4.20 6.99 6.95 12/19/1997
Voya SmallCap Opportunities Portfolio - Class I - 080 Small/Mid/Specialty 7.90 16.58 6.31 17.51 -1.41 6.04 6.07 05/06/1994
Franklin Small Cap Value VIP Fund - Class 2 - 073 Small/Mid/Specialty 3.13 10.30 0.04 4.66 3.56 7.47 6.41 05/01/1998
Voya International Index Portfolio - Class I - 1551 Global / International 2.85 7.71 2.23 13.74 3.47 5.82 3.45 03/04/2008
American Funds EuroPacific Growth Fund® - Class R-4 - 573 Global / International 3.70 8.59 3.50 13.48 -2.67 5.53 4.08 04/16/1984
Voya Intl High Dividend Low Volatility Port - Initial Class - 1586 Global / International 0.86 4.12 0.09 10.45 4.41 4.06 1.88 01/03/2006
Voya Global Insights Portfolio - Initial Class - 432 Global / International 1.99 3.89 -0.39 24.34 0.22 8.10 7.39 05/01/2002

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.

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.

These numbers reflect total Separate Account charges of 0.65% 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.

Returns less than one year are not annualized. VAA Inception Date 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.

Investment Options Asset Class 1 - Mo 3 - Mo YTD 1 - Yr 3 - Yr 5 - Yr 10 - Yr Incept Fund Inception Date Gross Fund Exp %* Net Fund Exp %*
Voya Government Money Market Portfolio - Class I - 003 (3) Stability of Principal 0.38 1.11 4.09 4.09 1.40 1.03 0.42 09/30/1975
Voya Intermediate Bond Portfolio - Class I - 004 Bonds 3.95 7.10 6.58 6.58 -3.73 0.85 1.68 05/31/1978
Voya Index Solution 2025 Portfolio - Service Class - 1540 (4) Asset Allocation 4.36 8.93 12.96 12.96 1.09 6.39 4.78 08/19/2010
Voya Index Solution 2030 Portfolio - Service Class - 6766 (4) Asset Allocation 4.88 9.56 14.43 14.43 5.95 05/13/2022
Voya Index Solution 2035 Portfolio - Service Class - 1543 (4) Asset Allocation 4.89 10.11 16.17 16.17 2.33 8.11 5.85 08/12/2010
Voya Index Solution 2040 Portfolio - Service Class - 6769 (4) Asset Allocation 5.15 10.57 17.80 17.80 8.68 05/09/2022
Voya Index Solution 2045 Portfolio - Service Class - 1546 (4) Asset Allocation 5.27 10.86 18.77 18.77 3.99 9.81 6.70 12/01/2010
Voya Index Solution 2050 Portfolio - Service Class - 6772 (4) Asset Allocation 5.32 11.03 19.17 19.17 1.07 02/03/2022
Voya Index Solution 2055 Portfolio - Service Class - 1162 (4) Asset Allocation 5.34 11.06 19.23 19.23 4.08 9.87 6.75 10/11/2010
Voya Index Solution 2060 Portfolio - Service Class - 3212 Asset Allocation 5.34 11.04 19.30 19.30 1.06 02/03/2022
Voya Index Solution 2065 Portfolio - Service Class - E476 Asset Allocation 5.42 11.19 19.49 19.49 4.22 7.52 10/22/2020
Voya Index Solution Income Portfolio - Service Class - 1549 (4) Asset Allocation 3.79 7.57 10.00 10.00 -0.52 4.03 3.18 02/09/2011
VY® Invesco Equity and Income Portfolio - Initial Class - 452 Balanced 4.71 8.06 9.53 9.53 5.89 9.13 6.35 03/22/2005
American Funds Fundamental Investors® - Class R-4 - 1208 Large Cap Value/Blend 5.83 13.13 25.01 25.01 7.98 12.74 9.89 05/14/2008
Voya Large Cap Value Portfolio - Institutional Class - 1213 Large Cap Value/Blend 5.49 10.33 12.99 12.99 11.09 12.47 8.13 05/31/2007
Fidelity® VIP Growth Portfolio - Initial Class - 109 Large Cap Growth 4.86 13.45 35.36 35.36 7.54 18.86 14.06 05/31/1994
Voya Index Plus MidCap Portfolio - Class I - 053 Small/Mid/Specialty 8.80 11.90 16.76 16.76 8.06 11.37 7.45 05/04/1998
Voya MidCap Opportunities Portfolio - Class I - 081 Small/Mid/Specialty 5.11 11.20 22.75 22.75 0.58 12.89 9.20 08/02/2001
VY® American Century Small-Mid Cap Value Portfolio- Service - 440 Small/Mid/Specialty 7.21 11.35 8.06 8.06 8.63 11.35 8.02 05/02/2002
Voya Index Plus SmallCap Portfolio - Class I - 052 Small/Mid/Specialty 12.68 14.14 17.44 17.44 8.59 10.16 6.99 05/04/1998
Voya SmallCap Opportunities Portfolio - Class I - 080 Small/Mid/Specialty 9.66 11.96 20.15 20.15 -1.53 8.40 5.56 08/03/2001
Franklin Small Cap Value VIP Fund - Class 2 - 073 Small/Mid/Specialty 10.25 11.80 12.02 12.02 7.63 10.34 6.35 08/31/2001
Voya International Index Portfolio - Class I - 1551 Global / International 5.36 10.71 16.97 16.97 3.02 7.18 3.32 05/13/2008
American Funds EuroPacific Growth Fund® - Class R-4 - 573 Global / International 4.91 10.09 14.90 14.90 -3.63 6.96 3.86 05/03/2004
Voya Intl High Dividend Low Volatility Port - Initial Class - 1586 Global / International 4.03 7.17 14.13 14.13 4.78 5.65 2.00 04/25/2008
Voya Global Insights Portfolio - Initial Class - 432 Global / International 4.29 12.73 31.83 31.83 0.73 11.18 7.60 03/22/2005

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.

Not all investment options are available under all contracts, plans or jurisdictions.

(1) The current rate for the Voya Fixed Plus Account (4565) MC 945, Fund 4565 is 3.00%, 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 3.00% through 12/31/2024. VRIAC will not apply a decrease to the current rate following a rate change initiated solely by us prior to the last day of the three-month period measured from the first day of the month in which such change was effective. Note: The current rate for an initial investment in the fixed account previously identified may be in effect for less than a full three-month period. Guarantees are based on the claims-paying ability of Voya Retirement Insurance and Annuity Company.

(2) The current rate for the Voya Fixed Plus Account (4566) MC 945, Fund 4566 is 3.00%, 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 3.00% through 12/31/2024. VRIAC will not apply a decrease to the current rate following a rate change initiated solely by us prior to the last day of the three-month period measured from the first day of the month in which such change was effective. Note: The current rate for an initial investment in the fixed account previously identified may be in effect for less than a full three-month period. Guarantees are based on the claims-paying ability of Voya Retirement Insurance and Annuity Company.

(3) 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.

(4) 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 Date, 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 Date 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 Date 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 Date, the portfolio will seek to provide a combination of total return and stability of principal. The Voya Index 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 Index Solution Portfolios. 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.

(5) The Investment Option is not part of the Separate Account. The returns listed do not include the impact of contract charges. Please refer to the contract to determine which Fixed Interest Options are available for your specific plan.

(6) The current yield reflects the deduction of all charges that are deducted from the total return quotations shown.