State of Delaware VOYA PLAN and Your Voya Retirement Insurance and Annuity Company Investment Program - Plan-related Information

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1 State of Delaware VOYA PLAN and Your Voya Retireent Insurance and Annuity Copany Investent Progra - Plan-related Inforation August 17,2016 The purpose of this docuent is to suarize certain plan-related inforation regarding the plan s investent options and fees to be paid in connection with plan services or options selected. It is intended to be read along with the coparative chart of Investent Inforation. These suaries are not intended to replace the Suary Plan Description (SPD), or the investent product inforation provided separately by Voya. This suary is intended for the sole purpose of coplying with the disclosure requireents of Departent of Labor regulations under a-5. Please refer to your plan's disclosure aterials prior to aking investent decisions. Fees are subject to change fro tie to tie. If there is any conflict between this suary and the governing plan agreeents, then the governing plan agreeents will control. Contributions to the plan can be invested in a variety of investent options and you ay have one or ore fors of distribution to choose fro. You will receive periodic stateents that will include account values, unit values, and fees deducted. You will also have access to your account through Voya s Retireent Services Custoer Contact Center and participant website. Where and How to Give investent instructions The plan perits participants to direct the investent of contributions. After you have enrolled in the Plan, you ay direct your investents by accessing Voya s plan participant website at or by calling the Voya Retireent Services Custoer Contact Center at Designated Investent Alternatives Vanguard Federal Money Market Fund - Investor Shares Fidelity Managed Incoe Portfolio* PIMCO Total Return Fund - Institutional Class Aerican Funds 2010 Target Date Retireent Fund - Aerican Funds 2015 Target Date Retireent Fund - Aerican Funds 2020 Target Date Retireent Fund - Aerican Funds 2025 Target Date Retireent Fund - Aerican Funds 2030 Target Date Retireent Fund - Aerican Funds 2035 Target Date Retireent Fund - Aerican Funds 2040 Target Date Retireent Fund - Aerican Funds 2045 Target Date Retireent Fund - Aerican Funds 2050 Target Date Retireent Fund - Aerican Funds 2055 Target Date Retireent Fund - Aerican Funds 2060 Target Date Retireent Fund - Aerican Funds Washington Mutual Investors FundSM - R-6 Vanguard 500 Index Fund - Adiral Shares Vanguard Extended Market Index Fund - Adiral Shares JPMorgan U.S. Sall Copany Fund - Class R6 Shares Lazard International Equity Portfolio - R6 Shares Please refer to the coparative investent chart for inforation about designated investent alternatives available as of the date above. The funds available are subject to change fro tie to tie. The designated investent alternatives available to new participants are identified during the enrollent process. Once you have enrolled, your Voya website or your local plan representative will be your source of inforation on available funds. *This fund is closed to new investents. Voya Fixed Plus Account III Vanguard Interediate-Ter Bond Index Fund - Adiral Sh Tepleton Global Bond Fund - Class R6 T. Rowe Price Blue Chip Growth Fund - I Class TIAA-CREF Real Estate Securities Fund - Institutional Class ClearBridge Mid Cap Growth Fund - Class IS Vanguard Total International Stock Index Fund - Adiral Sh

2 Designated Investent Managers Morningstar Associates actively anages the participant's account and provides a personalized retireent strategy, discretionary asset anageent, and ongoing oversight. Morningstar Associates assues responsibility for onitoring the participant's account on a quarterly basis and executing appropriate transactions on the participant's behalf. Annual Service Fees Fee Payent Method Managed Account Service Fee 0.50% Deducted fro Participant Account Self-Directed Brokerage Option In addition to the Plan's designated investent options, you have the option to invest in the Plan's Self-Directed Brokerage Account (SDBA) where you have access to a broad range of investent options which ay include open end utual funds, fixed incoe securities and publicly traded stocks, including exchange-traded funds. The initial iniu aount you ay transfer to the SDBA is $2, Additionally, 50% of your aggregate core account balance, which includes the existing assets held in the SDBA, ay be transferred. Transfers are only allowed fro vested assets in your core investent options. The iniu subsequent transfer aount is liited to $2, The iniu account balance you ust aintain in your core product investent options is $2, Your payroll contributions cannot be directed into the SDBA directly; they ust continue to be directed to one or ore of the Plan's core investent options. Additionally, you will be charged a $50.00 annual fee on or about Noveber 1st, irrespective of when the SDBA was established. To place a trade in your SDBA, you ust contact TD Aeritrade Participant Services at or log on to your account at Please note that restrictions and liitations on placing trades in the SDBA ay apply; arket volatility, volue and syste availability ay delay account access and trade executions. In all circustances, it is your responsibility to ake sure your order inforation is correct; that the execution of an order does not conflict with any outstanding orders; and that your brokerage account has sufficient funds to purchase, or the shares or positions to sell, the specified security. Certain fees associated with the purchase and sale of a security through this account ay exist and could vary across investents. For ore inforation regarding trading fees and expenses in connection with this account, please refer to the TD Aeritrade Coissions and Service Fee schedule. A copy of the TD Aeritrade SDBA Coission Schedule is also available at Additionally, you ay refer to the applicable fund prospectus for specific fund related fees and expenses. For aterial and inforation about the SDBA, please log onto.

3 Asset Based Fees An annual asset based fee of 0.08% will be deducted fro your account for recordkeeping and adinistrative services. This aount will be deducted proportionately fro designated investent options. The aount actually deducted will be shown on your account stateent. Fund Nae Aount Aerican Funds 2010 Target Date Retireent Fund - Class 0.08% Aerican Funds 2015 Target Date Retireent Fund - Class 0.08% Aerican Funds 2020 Target Date Retireent Fund - Class 0.08% Aerican Funds 2025 Target Date Retireent Fund - Class 0.08% Aerican Funds 2030 Target Date Retireent Fund - Class 0.08% Aerican Funds 2035 Target Date Retireent Fund - Class 0.08% Aerican Funds 2040 Target Date Retireent Fund - Class 0.08% Aerican Funds 2045 Target Date Retireent Fund - Class 0.08% Aerican Funds 2050 Target Date Retireent Fund - Class 0.08% Aerican Funds 2055 Target Date Retireent Fund - Class 0.08% Aerican Funds 2060 Target Date Retireent Fund - Class 0.08% Aerican Funds Washington Mutual Investors FundSM - R % ClearBridge Mid Cap Growth Fund - Class IS 0.08% JPMorgan U.S. Sall Copany Fund - Class R6 Shares 0.08% Lazard International Equity Portfolio - R6 Shares 0.08% PIMCO Total Return Fund - Institutional Class 0.08% T. Rowe Price Blue Chip Growth Fund - I Class 0.08% TIAA-CREF Real Estate Securities Fund - Institutional Class 0.08% Tepleton Global Bond Fund - Class R6 0.08% Vanguard 500 Index Fund - Adiral Shares 0.08% Vanguard Extended Market Index Fund - Adiral Shares 0.08% Vanguard Federal Money Market Fund - Investor Shares 0.08% Vanguard Interediate-Ter Bond Index Fund - Adiral Sh 0.08% Vanguard Total International Stock Index Fund - Adiral Sh 0.08% Voya Fixed Plus Account III 0.08%

4 Individual Service Fees The fees below apply to certain individual services and transactions and will be deducted fro your account when applicable. If ore than one service provider perfors services on behalf of the plan, then each provider s fees are shown separately. Fees that apply to the sae transaction or service ay be cobined on your stateents. Stop Payent, per occurrence : $50.00 Voya *The above fees are subject to change fro tie to tie. Fee Type Fees* Entity Charging the Fee Loan Initiation Fee, one-tie charge per loan : N/A Voya Participant-Initiated Distribution, per occurrence (includes QDROs, inservice $25.00 Voya withdrawals, hardship distributions, terinations, unforeseeable eergencies and Required Miniu Distributions): Overnight Mail, per occurrence : $50.00 Voya Participant-Initiated Wire, per occurrence : $50.00 Voya Additional Disclosures Fees ay be assessed against your account if you elect optional transactions or service progras, or for third party services. The aount of any fees actually deducted fro your account will be shown on your quarterly eployee stateent or confiration. INVESTMENT-RELATED INFORMATION State of Delaware VOYA PLAN August 17,2016 This docuent includes iportant inforation to help you copare the investent options under your retireent plan. If you want additional inforation about your investent options, you can go to the specific Internet Web site address shown below. You can also contact the Voya Retireent Services Custoer Contact Center at , null or your local representative. A free paper copy of the inforation available on the Web site can be obtained by contacting the Voya Retireent Services Contact Center at This suary is intended for the sole purpose of coplying with the disclosure requireents of Departent of Labor regulations under a-5. Please refer to your plan's disclosure aterials prior to aking investent decisions. Docuent Suary This docuent has 2 parts. Part I consists of perforance inforation for plan investent options. This part shows you how well the investents have perfored in the past. Part II shows you the fees and expenses you will pay if you invest in an option.

5 Part I and Part II. Perforance Inforation and Fee Inforation Table 1 focuses on the perforance of investent options that do not have a fixed or stated rate of return. Table 1 shows how these options have perfored over tie and allows you to copare the with an appropriate benchark for the sae tie periods. Past perforance does not guarantee how the investent option will perfor in the future. Your investent in these options could lose oney. Inforation about an option s principal risks is available on the Web site[s]. All funds assue reinvestent of all dividends (ordinary incoe and capital gains) and are net of anageent fees and other fund operating expenses as well as separate account charges where applicable. The nubers ay also reflect aintenance fees, adinistration fees, and/or deferred sales charges, if your contract is funded through a registered separate account. The table shows how these options have perfored over tie and allows you to copare the with an appropriate benchark for the sae tie periods. Note that the benchark perforance does not reflect the fees and charges associated with the product and investent options in your particular contract. Table 3 shows fee and expense inforation for the investent options listed in Table 1. Table 3 shows the Total Gross and Net Annual Operating Expenses of the options in Table 1. Net Operating Expenses are reduced by fund waivers and adjustents, when applicable. Annual Operating Expenses are expenses that reduce the rate of return of the investent option. Table 3 also shows Shareholder-type Fees. These fees are in addition to Annual Operating Expenses. To find additional inforation about your investents, please see applicable fund inforation in the appropriate docuents ade available to you (e.g. prospectus, Fund Fact Sheet, fund inforation section on the plan s web site, etc.). Nae / Type of Option Stability of Principal Table 1 - Variable Return Investents Average Annual total Return as/of 12/31/15 Benchark Total Gross Annual Operating Expenses 1 yr 5 yr 10 yr Since Inception 1 yr 5 yr 10 yr Since Inception As a % Table 3 - Fees and Expenses Per $1,000 As a % Total Net Annual Operating Expenses Per $1,000 Shareholder Type Fees Vanguard Federal Money Market Fund - Investor Shares 0.04% 0.02% 1.27% N/A 0.03% 0.05% 1.17% N/A 0.11% $ % $1.10 This is a Copeting Fund. Transfers into this fund will prevent transfers fro the Vanguard Federal Money Market Fund - Investor Shares for 90 days. Citigroup 3 Month T-bill Index USD Fidelity Managed Incoe Portfolio 1.17% 0.79% 0.37% N/A 0.07% 0.09% 1.29% N/A 0.78% $ % $7.80 Barclays Capital U.S. 3-MonthTreasury Bellwether Ind TR USD

6 Bonds Vanguard Interediate- Ter Bond Index Fund - Adiral Sh* 1.28% 4.39% 5.49% N/A 1.28% 4.45% N/A N/A 0.09% $ % $0.90 Barclays US 5-10Y GovCredit FlAdj TR Index PIMCO Total Return Fund - Institutional Class 0.73% 3.53% 5.77% N/A 0.55% 3.25% 4.51% N/A 0.47% $ % $4.60 Barclays Capital U.S.Aggregate Bond Index TR USD Tepleton Global Bond Fund - Class R6-3.91% 2.55% 7.34% N/A -3.57% -0.08% 3.44% N/A 0.53% $ % $5.10 Asset Allocation Citigroup World Governent Bond Index USD Aerican Funds 2010 Target Date Retireent Fund % 6.43% N/A 9.69% -0.25% 5.81% N/A 8.82% 0.36% $ % $3.60 S&P Target Date Through 2010 TR Index

7 Aerican Funds 2015 Target Date Retireent Fund % 6.96% N/A 10.27% -0.27% 6.44% N/A 7.73% 0.36% $ % $3.60 S&P Target Date Through 2015 TR Index Aerican Funds 2020 Target Date Retireent Fund % 7.72% N/A 11.21% -0.31% 6.97% N/A 8.42% 0.37% $ % $3.70 S&P Target Date Through 2020 TR Index Aerican Funds 2025 Target Date Retireent Fund % 8.63% N/A 12.39% -0.25% 7.48% N/A 9.04% 0.40% $ % $4.00 S&P Target Date Through 2025 TR Index Aerican Funds 2030 Target Date Retireent Fund % 9.10% N/A 12.99% -0.35% 7.77% N/A 9.46% 0.41% $ % $4.10 S&P Target Date Through 2030 TR Index Aerican Funds 2035 Target Date Retireent Fund % 9.13% N/A 13.06% -0.37% 8.01% N/A 9.76% 0.42% $ % $4.20 S&P Target Date Through 2035 TR Index

8 Aerican Funds 2040 Target Date Retireent Fund % 9.22% N/A 13.16% -0.47% 8.15% N/A 9.99% 0.42% $ % $4.20 S&P Target Date Through 2040 TR Index Aerican Funds 2045 Target Date Retireent Fund % 9.24% N/A 13.16% -0.57% 8.19% N/A 10.02% 0.44% $ % $4.40 S&P Target Date Through 2045 TR Index Aerican Funds 2050 Target Date Retireent Fund % 9.25% N/A 13.18% -0.70% 8.29% N/A 8.94% 0.44% $ % $4.40 S&P Target Date Through 2050 TR Index Aerican Funds 2055 Target Date Retireent Fund % 9.23% N/A 10.48% -0.83% 8.32% N/A 10.15% 0.47% $ % $4.70 S&P Target Date Through TR Index Aerican Funds 2060 Target Date Retireent Fund - N/A N/A N/A -2.11% N/A N/A N/A N/A 0.71% $ % $4.70 N/A This is a Copeting Fund. Transfers into this fund will prevent transfers fro the Aerican Funds 2060 Target Date Retireent Fund - for 90 days.

9 Large Cap Value Aerican Funds Washington Mutual Investors FundSM - R % 12.35% 7.14% N/A 1.38% 12.57% 7.31% N/A 0.30% $ % $3.00 S&P 500 Index TR USD Vanguard 500 Index Fund - Adiral Shares 1.36% 12.53% 7.30% N/A 1.38% 12.57% 7.31% N/A 0.05% $ % $0.50 Large Cap Growth S&P 500 Index TR USD T. Rowe Price Blue Chip Growth Fund - I Class 11.15% 15.63% 9.33% N/A 1.38% 12.57% 7.31% N/A 0.63% $ % $6.20 Sall/Mid/Specialty S&P 500 Index TR USD Vanguard Extended Market Index Fund - Adiral Shares -3.27% 10.46% 7.80% N/A -3.35% 10.37% 7.68% N/A 0.09% $ % $0.90 S&P Copletion Index TR USD

10 TIAA-CREF Real Estate Securities Fund - Institutional Class 4.62% 11.76% 6.85% N/A 2.83% 11.63% 7.25% N/A 0.51% $ % $5.10 FTSE NAREIT Equity REIT Index JPMorgan U.S. Sall Copany Fund - Class R6 Shares -3.05% 11.67% 7.85% N/A -4.41% 9.19% 6.80% N/A 0.75% $ % $7.40 Russell 2000 Index TR USD ClearBridge Mid Cap Growth Fund - Class IS 0.51% 12.78% N/A 15.86% -0.20% 11.54% N/A 15.99% 1.11% $ % $8.00 Russell Mid Cap Growth Index TR USD

11 Global / International Lazard International Equity Portfolio - R6 Shares 1.67% 6.02% 4.40% N/A -0.81% 3.60% 3.03% N/A 0.92% $ % $8.00 MSCI EAFE Index NR USD Vanguard Total International Stock Index Fund - Adiral -4.26% 1.31% 2.86% N/A Sh -4.29% 1.51% 3.64% N/A 0.12% $ % $1.20 FTSE Global All Cap ex US (USA) NR USD *Inception to date benchark inforation has not been ade available by the designated investent option provided at this tie. Certain benchark perforance data that appears in Table I ay be provided by MSCI or Bank of Aerica. Please read these iportant disclaiers concerning that inforation: Source: MSCI. Neither MSCI nor any other party involved in or related to copiling, coputing or creating the MSCI data akes any express or iplied warranties or representations with respect to such data (or the results to be obtained by the use thereof), and all such parties hereby expressly disclai all warranties of originality, accuracy, copleteness, erchantability or fitness for a particular purpose with respect to any of such data. Without liiting any of the foregoing, in no event shall MSCI, any of its affiliates or any third party involved in or related to copiling, coputing or creating the data have any liability for any direct, indirect, special, punitive, consequential or any other daages (including lost profits) even if notified of the possibility of such daages. No further distribution or disseination of the MSCI data is peritted without MSCI's express written consent. Source BofA Merrill Lynch, used with perission. BOFA MERRILL LYNCH IS LICENSING THE BOFA MERRILL LYNCH INDICES "AS IS, "MAKES NO WARRANTIES REGARDING SAME, DOES NOT GUARANTEE THE SUITABILITY, QUALITY, ACCURACY, TIMELINESS, AND/OR COMPLETENESS OF THE BOFA MERRILL LYNCH INDICES OR ANY DATA INCLUDED IN, RELATED TO, OR DERIVED THERE FROM, ASSUMES NO LIABILITY IN CONNNECTION WITH THEIR USE, AND DOES NOT SPONSOR, ENDORSE, OR RECOMMEND VOYA, OR ANY OF ITS PRODUCTS OR SERVICES.

12 Table 3 shows fee and expense inforation for the investent options listed in Table 2. Table 3 shows the Total Gross Annual Operating Expenses of the options in Table 2. Annual Operating Expenses are expenses that reduce the rate of return of the investent option. Table 3 also shows Shareholder-type Fees. These fees are in addition to Annual Operating Expenses. To find additional inforation about your investents, please see applicable fund inforation in the appropriate docuents ade available to you (e.g. prospectus, Fund Fact Sheet, fund inforation section on the plan s web site, etc.). Voya Fixed Plus Account III Table 2 - Fixed Return Investents Nae / Type of Option Return Ter Other 2.10% N/A Rates are subject to change at any tie subject to contract guarantees. The Guaranteed Miniu Interest rate is 1.0%. Total Gross Annual Operating Expenses As a % Per $1,000 N/A N/A Table 3 - Fees and Expenses Shareholder Type Fees Current rate inforation is available by calling Voya "Excessive Trading" Policy Voya actively onitors fund transfer and reallocation activity within its variable insurance and retireent products to identify Excessive Trading. Voya currently defines Excessive Trading as: a) More than one purchase and sale of the sae fund (including oney arket funds) within a 60 calendar day period (hereinafter, a purchase and sale of the sae fund is referred to as a roundtrip ). This eans two or ore round-trips involving the sae fund within a 60 calendar day period would eet Voya s definition of Excessive Trading; or b) Six round-trips within a twelve onth period. Each fund available through Voya s variable insurance and retireent products, either by prospectus or stated policy, has adopted or ay adopt its own excessive/frequent trading policy. Voya reserves the right, without prior notice, to ipleent restrictions and/or block future purchases of a fund by an individual who the fund has identified as violating its excessive/frequent trading policy. All such restrictions and/or blocking of future fund purchases will be done in accordance with the directions Voya receives fro the fund. Voya's Excessive Trading Policy does not apply to Eployer Stock Funds, Fixed Account, Fixed Plus Account, Guaranteed Accuulation Account or Stabilizer. The cuulative effect of fees and expenses can substantially reduce the growth of your retireent savings. Visit the Departent of Labor s Web site for an exaple showing the long-ter effect of fees and expenses at Fees and expenses are only one of any factors to consider when you decide to invest in an option. You ay also want to think about whether an investent in a particular option, along with your other investents, will help you achieve your financial goals. Please visit Voya Retireent Plans Website at for a glossary of investent ters relevant to the investent options under this plan. This glossary is intended to help you better understand your Options. Page 1 of 1