Voya 401(k) Savings Plan. Effective January 1, Voya.com
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1 Voya 401(k) Savings Plan Effective January 1, 2016 Voya.com
2 Table of Contents Summary Plan Description... 4 Features At-A-Glance... 6 Participation... 8 Eligibility... 8 Enrollment... 8 Your Contributions Pre-tax Contributions Roth Contributions Matching Contributions Tax Consequences and IRS Limitations Tax Consequences of Withdrawals Changing or Stopping Your Contributions Catch-up Contributions Rollovers from Another Qualified Plan How to Receive Matching Contributions Vesting Source of Leveraged ING Groep Stock Profit Sharing Contributions Investing Your Account Investment Options Valuing the Voya Company Stock Fund, the ING Group Company Stock Fund and the ING Leveraged Company Stock Fund Voting and Tender Rights for the Voya Company Stock Fund, the ING Group Company Stock Fund and the ING Leveraged Company Stock Your Investment Decision Limitations on Investment in the Voya Company Stock Fund and the ING Group Company Stock Fund Changing Investment Allocations Tracking Investment Performance Black Out Periods TD Ameritrade Self-Directed Brokerage Account Special Considerations Restrictions and Policies Transfers to the Core Investment Options Reports on Your SDBA Protection for Your SDBA Equity Wash Provision Stable Value Fund Limits on Trading Activity VOYA 401(k) SAVINGS PLAN 2
3 Table of Contents Withdrawals While You Are Working Hardship Withdrawals Withdrawals after 59½ Withdrawals from Rollover Accounts and Roth Rollover Accounts Withdrawals for Participants in a Prior Plan Type of Money Used for Withdrawals Applying for a Withdrawal Taxes on Withdrawals Loans While You Are Working Eligibility Loan Limits Interest on Your Loan Repayment Schedule Type of Money Used for a Loan Applying for a Loan Defaulting on a Loan Receiving A Final Distribution Eligibility Payment Timing Payment Options Lump-sum Payment Installment Payments for a Certain Period If You Die Applying for Payment Loss of Benefits Plan Details Your Rights Under ERISA Claims Filing and Appeals Other Information About Plan Administration Tax Rules Highly Compensated Employees Limits on Benefits Top-heavy Plans Assignment of Benefits and Qualified Domestic Relations Orders (QDROs) PBGC Plan Continuance The Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA) For Additional Information Where to Get Help VOYA 401(k) SAVINGS PLAN 3
4 Summary Plan Description The Voya 401(k) Savings Plan (the Plan ) (formerly the ING U.S. Savings Plan and ESOP) allows you to save from 1% to 50% of your earnings (up to limits imposed by the Internal Revenue Code ( Code ) and adjusted annually by the Internal Revenue Service ( IRS ) for cost-of-living). Under the Plan, the Company will match 100% of the first 6% of your eligible contributions. The allocation will be made in cash and invested in the same investment options that you select for future contributions. Your money grows on a tax-deferred basis if you contribute on a pre-tax basis. If you make after-tax Roth 401(k) contributions, your contributions are taxed going in but when you withdraw your money, the earnings on those contributions can be potentially tax free. Note: The Plan is a defined contribution profit sharing plan. This means the Pension Benefit Guaranty Corporation ( PBGC ) does not insure the Plan benefits. Your contributions are fully funded to the Trust as soon as administratively possible after they are withheld from your eligible compensation. Voya 401(k) Savings Plan Summary Plan Description updated September 1, 2014 This document constitutes part of a prospectus covering employer securities that have been registered under the Securities Exchange Act of Neither the Securities Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if the prospectus is truthful or complete. Any representation to the contrary is a criminal offense. VOYA 401(k) SAVINGS PLAN 4
5 Features At-A-Glance Automatic enrollment for new hires Company match made in cash Immediate eligibility for match Employees hired on or after March 1, 2008, will be automatically enrolled in the Plan and have 3% of their eligible pay contributed to the Plan on a pre-tax basis, unless an election not to participate is made within 60 days following the date their eligibility to participate is reported to the Plan s recordkeeper. Automatically enrolled participants who have been participants in the Plan for at least 12 months will have their contribution rates automatically increased by 1% in March of each subsequent year, until a contribution rate of 6% is reached. An automatically enrolled participant may change the amount, or cease deferrals to the Plan at any time. A Company match of 100% up to the first 6% of your Plan contribution from each paycheck is allocated pursuant to your investment elections for future contributions. The match is made on a pre-tax basis regardless of whether the contribution is on a pretax or Roth basis. You can receive matching contributions as soon as you begin to make contributions to the Plan. Contribution limits You may contribute up to 50% of your eligible compensation up to the Code limit on compensation ($265,000 in 2016) on a pretax or Roth basis; or Up to Code limits ($18,000 in 2016), whichever is less. You may make Catch-up Contributions to the Plan if you will be age 50 or over by the end of the calendar year, subject to the Code limit ($6,000 for 2016). Vesting All the money you contribute, as well as any investment earnings on these amounts, is immediately vested. Plan recordkeeper Investment options You will generally vest in the company match at a rate of 25% per year, up to 100% over four years. Voya Retirement Insurance and Annuity Company is the Plan s recordkeeper. You have a number of investment options in which to invest your Plan Accounts, including a series of target date lifecycle funds. If amounts are automatically contributed to the Plan for you under the auto-enrollment feature, they will be invested in the target date lifecycle fund, based on the year in which you turn age 65, unless you make an investment election. VOYA 401(k) SAVINGS PLAN 5
6 Features At-A-Glance Withdrawals Loans Tax-deferred status Portability Tracking performance Self-Directed Brokerage Account with TD Ameritrade Certain withdrawals may be rolled over to other qualified plans or IRAs as allowed, subject to applicable federal tax rules. In-service and hardship withdrawals are permitted, subject to certain Plan limits. Loans are permitted, subject to certain Plan and IRS limits. All your pre-tax contributions, the Company s match and any earnings on those contributions are tax deferred until you receive the funds. All your contributions made to the Roth 401(k) are taxed at the time contributed, but the earnings on those contributions are tax free, provided they are withdrawn according to certain Plan and IRS rules. You can receive all vested funds when you retire or leave the Company. Quarterly updates are sent to your home or you may go online to the Voya 360 intranet or access to monitor your Plan Accounts and investment performance. You may invest a portion of your Plan assets in a TD Ameritrade self- directed brokerage account that provides access to a wider array of investment choices, including publicly traded stock, ETFs, fixed income securities and a broad range of mutual funds. VOYA 401(k) SAVINGS PLAN 6
7 Participation Eligibility Generally, all employees of participating companies are eligible to participate in the Plan immediately upon being hired. Those ineligible for participation generally include temporary employees, independent contractors (even if later determined to be a Company employee), employees covered by a collective bargaining agreement, leased employees, nonresident aliens with no U.S. source income (except certain designated nonresident aliens paid through the U.S. payroll of a participating company), statutory employees and individuals who are not classified as employees of participating companies on the payroll of such companies (even if they are later reclassified as employees). Enrollment Automatic Enrollment Newly hired eligible employees will be automatically enrolled in the Plan. If you make no deferral election during the first 60 days of the date your employment record was first sent to the Plan s recordkeeper, you will be automatically enrolled in the Plan with a pre-tax contribution rate of 3%. During the 60 day period, you may either voluntarily enroll in the Plan (as more fully described below) or you may elect not to participate. For participants who have been in the Plan for at least12 months and remain in the automatic enrollment program, the 3% pre-tax contribution rate will be increased by 1% annually in each March until it reaches 6%. You will receive information about enrollment when your employment record is sent to the Plan s recordkeeper. Voluntary Enrollment To voluntarily enroll or waive enrollment before automatic enrollment takes effect, call the HR Service Center at (800) and follow the interactive menu to the Plan, visit the Voya 360 intranet, or access the Plan site directly at You will need to verify some personal information when you call or log on. Then, you will need to: Indicate the whole percentage of eligible compensation (from 0% to 50%) that you want to save. If you are subject to automatic enrollment, an election of 0% ceases your participation in the Plan. Please see Your Contributions on page 11 for details. Indicate how you want to invest your savings. See Investing Your Account on page 19 for details. Complete a Beneficiary Designation Form indicating whom you want to receive your Plan Accounts if you should die before receiving a distribution of your entire benefit interest from this Plan. You can name anyone, but if you are married and want to name a beneficiary other than your spouse, federal law requires your spouse s written, notarized consent; otherwise, your spouse will remain the sole beneficiary. It is important to keep your beneficiary designation up to date. You can make a change at any time. Simply complete another Beneficiary Designation Form. You can obtain one by calling the HR Service Center at (800) and following the interactive menu to the Plan, or visiting the Voya360 intranet, or accessing the Plan directly at VOYA 401(k) SAVINGS PLAN 7
8 Participation Under this Plan, you save on a regular basis through the convenience of automatic payroll deductions. Deductions begin as soon as administratively possible after enrollment is complete. If you decide to stop contributing to the Plan, your Accounts remains in the Plan until you are eligible for, and request, a distribution. See Receiving a Final Distribution on page 25 for more information. Certain individuals due to their position within the Company are subject to restrictions on trades within the Plan, as described in the Voya Financial Personal Trading Policy. In addition, all Plan participants are required to abide by any trading restrictions imposed by any investment offered as an investment option under the Plan. To facilitate compliance, the Plan provides reports to the Company s compliance department for any employee subject to trading restrictions. Information on trading restrictions in the fund options may be found in the prospectus (plus any statements of additional information) that may be accessed through the Plan s website or by calling the HR Service Center at (800) You may also contact the applicable mutual fund directly and request a copy of the prospectus and statement of additional information. Information on Voya s imposed restrictions may be obtained by contacting your compliance officer. Eligible Compensation For purposes of contributions to the Plan, eligible compensation is generally defined as base pay (including overtime, commissions and sales bonuses), short-term incentive awards, spot bonuses paid in recognition of exemplary service, shift differential, education- or training-related bonuses (such as LOMA or actuarial bonuses), and paid time off (PTO) payments included in the paycheck for your last period of active employment. Eligible compensation is the gross amount before any reduction of your compensation based on elections you make under a cafeteria plan, transportation fringe benefit program, any other qualified retirement plan, or this Plan. Differential wage payments will be treated as eligible compensation. A differential wage payment is generally a payment made by the Company or a participating company to you for the difference between the amount you receive as military pay while on active duty for a period of more than 30 days and what you were making on your job with the Company or a participating company. To be considered eligible pay, the differential wage payment must be paid through a participating employer s U.S. payroll system. VOYA 401(k) SAVINGS PLAN 8
9 Participation Eligible compensation excludes all other items of compensation, including but not limited to any compensation deferred under a nonqualified deferred compensation plan either at the time deferred or at the time it is paid, stock-based compensation, business allowances, severance payments, PTO paid after the paycheck for your last period of active employment, stay bonuses, sign-on bonuses, temporary cost of living adjustments, long-term incentive awards or employer contributions to any retirement or welfare plans. Also excluded is any compensation that is not paid through a participating employer s U.S. payroll system. The Code limits the amount of annual compensation on which your retirement benefits are based. For 2016, the limit is $265,000. In addition, eligible compensation excludes severance or salary continuation payments. If you are on an unpaid military leave covered by USERRA, the Plan will impute compensation in the amount you would have received if you had remained in active employment, based on your base rate of pay in effect when the leave began and taking into account any salary adjustment and/or promotion you would have received during the period of the military leave. If this rate of pay cannot be determined with certainty, the Plan will treat you as having eligible compensation equal to the amount you would have received during the 12-month period immediately preceding the leave, or if shorter, the entire period of employment with the Company. VOYA 401(k) SAVINGS PLAN 9
10 Your Contributions Pre-tax Contributions You can save from 1% to 50% of your eligible compensation in the Plan on a 401(k) pre-tax basis. Your taxable earnings for federal income tax purposes are reduced by the pre-tax contributions you make to the Plan and your current taxes are lower. In most cases, state and local income taxes are also reduced. Social Security taxes are not reduced by pre-tax contributions to the Plan. Roth Contributions You can save from 1% to 50% of your eligible compensation in the Plan on an after-tax Roth basis. Roth contributions are subject to federal (and, where applicable, state and local) income tax withholding as well as Social Security taxes, before they are withheld from your paycheck. While your contributions are taxed at the point you contribute, the earnings on your contributions grow tax free, as long as certain qualifying conditions are met on withdrawal. Generally, a Roth distribution is tax-free, if the Roth Account has been open under the Plan for at least five years and, at the time of distribution, you are at least age 59½ or have become disabled or died. Roth amounts will be held in a separate account under the Plan. Roth contributions and pre-tax contributions apply towards the IRS annual contribution limit and may be made to the Plan at the same time, however your aggregate Roth contributions and pre-tax contributions may not exceed 50% of your eligible compensation. Matching Contributions Both 401(k) pre-tax and Roth after-tax contributions are eligible for matching contributions, up to a combined total of 6% of your eligible compensation. The match is credited based on each pay period s contribution. In order to ensure you get the maximum annual match you should be sure not to reach the annual IRS limit before the end of the calendar year. Your contributions and match cease when you reach either the IRS contribution or compensation limits during a calendar year. (The IRS contribution limit is $18,000 in Limits may change each year.) VOYA 401(k) SAVINGS PLAN 10
11 Your Contributions Example: Pre-tax versus your personal after-tax savings Let s compare saving on a pre-tax basis in the Plan with after-tax savings, such as a savings account. In this example, assume that your eligible compensation is $25,000 and you defer 10%, or $2,500, to the Plan on a pre-tax basis. Pre-tax Savings Personal After-tax Savings Eligible compensation $25,000 $25,000 Pre-tax savings -$2,500 N/A Taxable compensation $22,500 $25,000 Estimated federal and Social Security taxes (22.65% combined) - $5,096 - $5,663 Eligible compensation after taxes $17,404 $19,337 After-tax savings N/A -$2,500 Remaining eligible compensation $17,404 $16,837 Company match +$1,500 N/A In this hypothetical example, by saving on a pre-tax basis, you have an extra $567 ($17,404 versus $16,837) in take-home earnings, compared to saving on an after-tax basis outside of the Plan. If you are subject to state and local income taxes, your current tax savings may be even greater. In addition, the Company s matching contribution an extra $1,500 (6% of $25,000) is added to your Plan Accounts because you contributed over 6% to the Plan. Tax Consequences and IRS Limitations Here are some additional points to consider about your savings decisions: IRS Limits Access to Savings To encourage saving for long-term needs and in exchange for certain tax advantages, the IRS limits your access to your savings while you are actively employed with the Company and participate in this Plan. You can withdraw pre-tax 401(k) savings before you terminate employment only if you have reached age 59½ or meet financial hardship requirements based on IRS guidelines. Taxes and penalties may apply. Under the provisions of the Plan, Roth contributions may not be withdrawn while you are working. See Withdrawals While You Are Working on page 29 for details about withdrawals, including the following restrictions. VOYA 401(k) SAVINGS PLAN 11
12 Your Contributions IRS Limits on 401(k) Savings The aggregate total of your pre-tax and Roth savings in a calendar year cannot exceed the IRS annual limit, adjusted annually based on the cost of living. For 2016, the IRS annual limit on 401(k) savings is $18,000. This limit applies on an individual basis. (If you participate in more than one 401(k) plan during a calendar year, all contributions made in those plans count toward this limit.) Employees who will be age 50 and over as of December 31 of the Plan year may also make additional catch-up contributions of up to $6,000 (for 2016). For 2016, the IRS annual limit on eligible compensation is $265,000. This means only $265,000 of eligible compensation can be used in calculating your pre-tax and Roth deductions. It is important to note that your contributions and the Company match will cease on the earlier of when your year to date eligible earnings reach $265,000 or your combined pre-tax and Roth contributions reach $18,000 at any point during a calendar year. Tax Consequences of Withdrawals With pre-tax savings, you postpone current taxes while your money is invested in the Plan. You will owe taxes when you take a withdrawal or receive a final distribution. You also may owe a 10% penalty tax if you are younger than age 59½ at the time you receive this withdrawal or final distribution (unless you meet certain exceptions). You make Roth contributions after you have already paid tax so Roth contributions are not taxed at final distribution. The investment earnings on Roth contributions will not be taxed at distribution, if your distribution is a qualified distribution. To be a qualified distribution, the distribution must be made after you satisfy the five-year holding period and after you either reach age 59½, become disabled or die. If your distribution does not satisfy these requirements, the part of the distribution that reflects earnings on your Roth Accounts will be subject to taxation and potentially an early payment penalty. Ask your tax advisor how these requirements may affect you. For additional details on tax rules, see Tax Rules on page 46. Changing or Stopping Your Contributions You have the flexibility to make changes to the amount you contribute to the Plan as your needs change. You can change the percentage you save or you can stop contributing at any time. In addition, you can change the tax designation of your future contributions (pre- tax or Roth) at any time. To make a change or to stop your contributions, call the HR Service Center at (800) and follow the interactive menu to the Plan, or visit the Voya 360 intranet, or access the Plan site directly at VOYA 401(k) SAVINGS PLAN 12
13 Your Contributions Catch-up Contributions If you will be age 50 or over by December 31 of a plan year, you are eligible to make catch-up contributions to the Plan for that year. The maximum amount that can be contributed to the Plan as Catch-up Contributions on a pre-tax basis, a Roth basis or a combination of the two is $6,000 for Catch-up Contributions are not included in the annual contribution limit ($18,000 for 2016). If you are eligible to and want to make Catch-up Contributions, you must enroll by calling the HR Service Center at (800) and following the prompts or by visiting the Voya 360 intranet, or accessing the Plan directly at You may designate all or any portion, of your Catch-up Contributions as pre-tax or Roth Catch-up Contributions. Catch-up Contributions are not eligible for matching contributions. Rollovers from Another Qualified Plan If you are an active employee of a participating company and have funds in another employer s taxqualified savings plan (that is, a tax qualified 401(a) plan, 403(b) plan, or 457(b) plan), you can transfer (or roll over) that plan s distribution into the Plan, even if you are not currently contributing to the Plan. When you make a pre-tax rollover, you continue to defer federal, state and local income taxes (in most states) on your money. Eligible pre-tax rollovers and Roth contribution rollovers from any tax-qualified savings plan will be accepted (after-tax balances will not be accepted, other than Roth contributions). The Plan will also accept a rollover of eligible distributions from the Voya Retirement Plan that are made to terminated vested Plan participants or retirees who have a balance in the Plan at the time of the rollover. Generally, you can elect a direct rollover of all, or a portion, of an eligible distribution from your previous employer s tax-qualified savings plan or from a traditional individual retirement account (IRA), but not a Roth IRA. However, in the case of a pre-tax amount, if you first receive the payment and then elect to make a rollover, you can roll over the entire distribution, even though the actual payment was reduced for income tax withholding (if you choose, you will have to make up the amount withheld for taxes from your own funds). In either case, the rollover must be made within 60 days from the distribution from the prior plan. If you are already enrolled in the Plan, your rollover amount will be invested according to the current investment elections you have made for your new contributions. If you are not enrolled, your rollover amounts will be invested in the Voya Target Index Solution Trust with a target date nearest your normal retirement age of 65 unless you make an investment election. If you are considering making a rollover to the Plan, call the HR Service Center at (800) and follow the interactive menu to the Plan, or visit the Voya 360 intranet, or access the Plan site directly at Rollover certification forms are available at this website. VOYA 401(k) SAVINGS PLAN 13
14 Your Contributions How to Receive Matching Contributions The Company gives your savings a powerful boost by matching dollar for dollar up to the first 6% of eligible compensation you save, except for Catch-up Contributions and Roth Catch-up Contributions. The Company directs its match according to the investment elections you have chosen for future contributions. IRS limits can affect certain highly paid employees eligibility to receive matching contributions. See the Tax Rules topic on page 46 for details. Example: How the match helps your savings grow This hypothetical illustration shows how the Company s matching contributions (on pre-tax savings and Roth contributions of up to 6% of your eligible earnings) help your Plan Accounts grow, based on the percentage you elect to save. The example is based on eligible compensation of $25,000. % of Eligible Comp. Saved Your Annual Savings Company Match Total Deposits to Your Account 1% $250 $250 $500 2% $500 $500 $1,000 3% $750 $750 $1,500 4% $1,000 $1,000 $2,000 5% $1,250 $1,250 $2,500 6% $1,500 $1,500 $3,000 10% $2,500 $1,500 $4,000 20% $5,000 $1,500 $6,400 40% $10,000 $1,500 $11,500 50% $12,500 $1,500 $14,000 VOYA 401(k) SAVINGS PLAN 14
15 Your Contributions Vesting Company matching contributions and any earnings The Company s matching contributions, adjusted for any earnings or losses credited to your Plan Accounts, are subject to vesting. Vesting means gaining a permanent right to these funds. You are always 100% vested in your pre-tax contributions, catch-up contributions, rollover contributions and Roth contributions adjusted for any earnings or losses, but you become gradually vested in the Company s matching contributions (and the earnings or losses on them). Under the Plan, vesting service is counted from your date of hire. For each year of employment in which you work or are credited with at least 1,000 hours of service, you complete a year of vesting service and become partially entitled to the Company match. Hourly employees are generally credited with an hour of service for each hour paid. Salaried employees are credited with an equivalency number of hours for each payroll period during which the employee works at least one hour (95 hours for semi-monthly payroll and 190 hours per monthly payroll). Under certain circumstances, you will receive hours of service for periods you are absent from work because of parental leave or leave protected under the Family and Medical Leave Act of 1993 ( FMLA ). If you participated in a prior plan to this Plan that used an elapsed time method for crediting vesting service, you will be given one whole year of vesting service credit for each whole year of service completed before January 1, 2002, and for the partial year ending December 31, Employees hired on or after December 31, 2001, will vest in the Company match under the following vesting schedule: Completed Years of Service Vesting Percentage 1 year 25% 2 years 50% 3 years 75% 4 years 100% Matching contributions will be made for elective contributions made for a period of military service covered by USERRA, but only if the participant is eligible for and timely resumes employment after the end of the unpaid military leave and elects to make-up missed contributions for this period. Once you are 100% vested, Company matching contributions and earnings are yours to keep. If you leave before you are totally vested, the Company matching portion of your Plan Accounts in which you had not vested will be forfeited. If you leave before you are fully vested and are subsequently rehired by the Company, you will be subject to the vesting schedule in effect at the time of rehire. Whether service before you left is counted depends on when you return. VOYA 401(k) SAVINGS PLAN 15
16 Your Contributions Company matching contributions and earnings on those contributions also will be fully vested when any of the following occur: The participant reaches age 65 while actively employed The participant dies while actively employed The participant becomes eligible for benefits under the Company s managed long-term disability benefits plan The Company terminates the Plan Effective November 1, 2010, any participant who is actively employed by the Company on the effective date of a sale of a direct or indirect controlling interest in the Company shall be 100% vested in all of his or her Plan Accounts. While Voya Services Company (the Plan Sponsor ) currently intends to maintain the Plan for an indefinite period, the Plan sponsor may at any time, and at its sole discretion, amend or terminate the Plan. Upon Plan termination, all participants will become fully vested in their Plan Accounts. Distributions will be made promptly after termination. If you terminate your employment when you are not fully vested in the matching contributions (and any earnings) that the Company makes on your behalf, the non-vested portion of your Plan Accounts will forfeited and reported on the next statement you receive following the change to terminated status. Thereafter, the forfeited Company matching contribution and any earnings will not appear on your quarterly statements. Your forfeited amounts may be reinstated with interest, based on the interest credited to the Stable Value Option during your absence, if you are reemployed within five years under the following conditions: If you did not receive a final distribution of the vested portion of your Plan Accounts, the forfeited portion of your Plan Accounts, including interest credited by the Stable Value Option, will be reinstated and shown on your Plan statements; or If you did receive a final distribution of the vested portion of your Plan Accounts, you have the option of paying back the amount that has been distributed. If you repay the amount distributed, then the previously forfeited portion of your Plan Accounts, including interest credited by the Voya Stable Value Option up to the date of the final distribution, but not afterwards, will be restored. This option will be available for five years after your date of re-employment. In addition to the rules previously stated, participants in certain legacy plans may have vesting occur at an earlier date based on the following rules. VOYA 401(k) SAVINGS PLAN 16
17 Your Contributions Special Provision for Former Participants in the FNIC Plan If you participated in the Financial Network Investment Corporation 401(k) Savings and Investment Plan ( FNIC Plan ) at the time of the merger of that plan into the Voya 401(k) Savings Plan, the following special provision applies to you. You will vest in the portion of your Plan Accounts that is attributable to your prior participation in the FNIC Plan (known as your FNIC Account ) upon attaining age 60 or upon the occurrence of a total disability. Total disability is defined for this purpose as the inability to engage in any substantial gainful activity due to a physical or mental impairment, which can be expected to result in death or which has lasted or can be expected to last, for a continuous period of not less than 12 months. A licensed physician selected or approved by the Plan Administrator must determine this condition. Special Provision Related to IFG Services If you participated in the IFG Services, Inc. 401(k) Profit Sharing Plan on December 31, 1999, the Normal Retirement Age is 59 ½. Your Own Contributions and Any Earnings You are always fully vested in your own contributions adjusted for any earnings or losses on those contributions. This includes rollover contributions. Source of Leveraged ING Groep Stock In 1991, the ReliaStar Success Sharing Plan and ESOP (now known as the Plan) borrowed money from the Company (then ReliaStar Financial Corporation.) and used it to purchase a large amount of ReliaStar stock. That stock was converted to ING Groep N.V. American depositary receipts ( ADRs ) at the time of the acquisition of ReliaStar by ING. During 2003, all remaining unallocated ING Groep N.V. ADRs were allocated to participant Plan Accounts. These shares are maintained in the ING Leveraged Company Stock Fund. The ING Leveraged Company Stock Fund is closed to any additional contributions or investment transfers. Profit Sharing Contributions The Plan provides that the Company and the participating companies may, at their discretion, make a profit sharing contribution to the Plan. The Company and the participating companies do not currently intend to make a profit sharing contribution. VOYA 401(k) SAVINGS PLAN 17
18 Investing Your Account Investment Options The Plan is designed to let you decide how you want to invest your Plan Accounts among many investment options. The Plan is intended to comply with Section 404(c) of the Employee Retirement Income Security Act of 1974, as amended ( ERISA ). With potential earnings on your contributions and the Company s matching contributions, your Plan Accounts can potentially grow into a substantial investment for your future. You direct your contributions to the various investment options offered by the Plan in which you want to invest. The Plan s investment options may change from time to time. The investment options available as of the last update of this Plan description are shown below by asset classes (categories of investment options with similar traits and objectives). The most current information including prospectus and performance summary information can be found on the Plan s website. You should review the prospectus (including the statement of additional information) prior to investing. See Fund Descriptions and Summaries for additional information on where to obtain investment performance and fund information. Asset Allocation Voya Target Index Solution Trust 2020 Voya Target Index Solution Trust 2025 Voya Target Index Solution Trust 2030 Voya Target Index Solution Trust 2035 Voya Target Index Solution Trust 2040 Voya Target Index Solution Trust 2045 Voya Target Index Solution Trust 2050 Voya Target Index Solution Trust 2055 Voya Target Index Solution Trust 2060 Voya Target Index Solution Trust Income Bonds PIMCO Total Return Fund Metropolitan West Total Return Bond Fund Vanguard Total Bond Market Index Fund Small/Mid/Specialty Nuveen NWQ Small/Mid-Cap Value Fund Voya Small Cap Opportunities Portfolio Voya Real Estate Fund SSgA Russell Small/Mid-Cap Index Fund VOYA 401(k) SAVINGS PLAN 18
19 Investing Your Account Large-Cap Equity Index Non-Lendable Fund M Robeco Boston Partners Large Cap Value Equity Fund T. Rowe Price Institutional Large-Cap Growth Fund Voya Company Stock Fund Global International Causeway International Value Fund Vanguard International Growth Fund Northern Trust Collective EAFE Index Fund Stability of Principal Voya Stable Value Option Closed Company Stock Funds ING Group Company Stock Fund (formerly the ING Market Stock Fund) as of July 17, 2014, this fund is closed to new contributions or investment transfers ING Leveraged Company Stock Fund (closed to new contributions and investment transfers) Valuing the Voya Company Stock Fund, the ING Group Company Stock Fund and the ING Leveraged Company Stock Fund The Voya Company Stock Fund is invested primarily in Voya Financial common stock. The ING Group Company Stock Fund and ING Leveraged Company Stock Fund are invested primarily in ING Groep N.V. ADRs. A portion of each of the funds is held in cash to facilitate distributions and transfers from the fund. The value of each fund is determined daily and is equal to the total value of the fund divided by the total number of units credited to all participants who are invested in that fund on that day. The unit value is affected by a number of factors, such as the market value of the underlying ADRs (in the case of the ING Group Company Stock Fund and the ING Leveraged Company Stock Fund) and the market value of the underlying common stock (in the case of the Voya Company Stock Fund), and the amount of earnings generated by the cash portion and the reinvestment of dividends in each fund. Generally, each ADR represents one bearer depositary receipt issued by Stichting Administratiekantoor ING Groep, with a nominal value of.24 euros (EUR.24) each on ING Groep N.V. These ADRs are listed on the New York Stock Exchange, and ING Groep N.V. files reports and other information with the U.S. Securities and Exchange Commission. These filings are available to the public at the SEC s website at and on ING s website at com/investor-relations/sec-filings.htm. VOYA 401(k) SAVINGS PLAN 19
20 Investing Your Account Voting and Tender Rights for the Voya Company Stock Fund, the ING Group Company Stock Fund and the ING Leveraged Company Stock Fund Stock and Insider Information Irrespective of your position with the Company, federal securities laws prohibit you from purchasing or selling Voya Financial common stock or ING Groep N.V, ADRs or stock if you possess information that might affect someone s decision to buy, hold or sell such stock if disclosed (i.e., material, nonpublic or inside information). These requirements apply to transactions in the Voya Company Stock Fund, the ING Group Company Stock Fund and the ING Leveraged Company Stock Fund offered by the Plan. By initiating any change to your contributions to the Voya Company Stock Fund, or your balance in the Voya Company Stock Fund, the ING Group Company Stock Fund or the ING Leveraged Company Stock Fund, you are certifying that you do not possess material, nonpublic information about Voya or ING Groep, respectively. See the Voya Financial Personal Trading Policy for more information on the Voya 360 intranet. Fund Descriptions and Summaries You will receive a brief description of each investment fund when you enroll in the Plan. Fund performance information is updated quarterly and will accompany your quarterly Plan statement. Information about investment funds, including historical performance and prospectus information, is available on the Plan s website. The Plan is intended to constitute a plan described in Section 404(c) of ERISA and regulations issued under Title 29 of the Code of Federal Regulations Section c-1. Under such a plan, the fiduciaries of the Plan are relieved of liability for the investment results of the investment decisions you make. For example, if you choose a certain allocation among the investment options offered, and it turns out that a different allocation would have been more favorable, the fiduciaries of the Plan will not be responsible for the loss. Therefore, you should take care in making your investment decisions. VOYA 401(k) SAVINGS PLAN 20
21 Investing Your Account Your Investment Decision You decide how you want to invest your Plan Accounts. You may allocate your contributions in whole percentages amongst one or more of the investment options being offered, subject to the limitations applicable to the Voya Company Stock Fund. All percentages for your investment option elections must total 100%. Contributions will continue to be invested in the percentage(s) you elect for each fund until you make a change. One exception is for new hires who are automatically enrolled in the Plan and do not provide investment elections. A second exception is in the event an investment option is eliminated and the Plan establishes a cutoff date after which contributions to the eliminated fund may no longer be made. In the event you are automatically enrolled or choose to contribute to the Plan, either through a rollover contribution or by enrolling for a contribution, and fail to choose how you want your Plan Accounts invested, the Plan will default you into the Voya Target Index Solution Trust with a target date nearest your normal retirement age of 65. Similarly, if your investment election cannot be followed for some other reason, the Plan may default your contributions into the Voya Target Index Solution Trust with a target date nearest to your normal retirement age of 65. You may move your Plan Accounts from the default investment at any time, subject to any trading restrictions imposed by the Plan or applicable law. Before choosing one or more investment options, review each investment fund s goals, performance, charges and expenses and other information detailed in the investment fund s prospectus. Please read each investment fund s prospectus carefully before investing. This information is available by calling the HR Service Center at (800) and following the interactive menu to the Plan, or visiting the Voya 360 intranet, or accessing the Plan s website directly at: Limitations on Investment in the Voya Company Stock Fund While you generally have the ability to invest your Plan Accounts in any of the investment options available under the Plan, your investment in the Voya Company Stock Fund is subject to certain limitations. Your Plan Accounts may be invested in Voya Company Stock Fund, or in other investment options available under the Plan, provided however, you may not exceed the following limitations. You may elect to invest no more than twenty percent (20%) of the value of each contribution made to your Plan Accounts and you may direct investment transfers of no more than twenty percent (20%) of the total value of your Plan Accounts into the Voya Company Stock Fund. Changes in the investment performance that result in the value of your Plan Accounts invested in the Voya Company Stock Fund exceeding twenty percent (20%) of the total value of your Plan Accounts shall not be deemed to exceed this investment limitation. VOYA 401(k) SAVINGS PLAN 21
22 Investing Your Account Changing Investment Allocations For funds other than the Voya Company Stock Fund, you can change your investment allocation as often as you wish, subject to any minimum holding requirements established by a fund, the Plan Administrator, or the third-party plan recordkeeper. The Voya Company Stock Fund is subject to open and closed trading periods. Subject to the limitations applicable to the Voya Company Stock, you can change how: Future contributions to your Plan Accounts are invested Your current Plan Accounts value is invested among the funds Except under unusual circumstances or market conditions, your future allocation change will be effective the next business day. Except under unusual circumstances or market conditions, any changes you make to your current account value will be processed on the same business day if submitted in good order by the close of the New York Stock Exchange; normally, this is at 4 p.m. Eastern Time (or such other time as established by the Plan administrator). You may make changes to your investment allocations by calling the HR Service Center at (800) and following the interactive menu to the plan or accessing the Plan website directly at Tracking Investment Performance You will receive quarterly reports of your Plan Accounts status and investment activity. In addition, investment performance information and one-page descriptions of the investment options are included in your Plan enrollment kit. For the most current information on investment performance and investment options, including prospectuses and prospectus updates, call the HR Service Center at (800) and follow the interactive menu to the Plan. VOYA 401(k) SAVINGS PLAN 22
23 Black Out Periods There may be times when you and/or other participants will be precluded from making investment changes. This period is commonly referred to as a black out period. The length of a black out period may vary and could result from an unusual corporate transaction, company information, earnings release, change in Plan Administrator, or similar unusual events. Participants will generally receive advance notice of a black out period and its anticipated end date, although the actual duration may vary. VOYA 401(k) SAVINGS PLAN 23
24 TD Ameritrade Self-Directed Brokerage Account Special Considerations The TD Ameritrade Self-Directed Brokerage Account (SDBA) is available as an additional investment option under the Plan. It provides you access to a wider array of investment choices, including open-end mutual funds, fixed income securities, Exchange Traded Funds (ETFs) and publicly traded stocks. Your SDBA is funded by you through transfers from one or more of the Plan s core investment options. Your payroll contributions cannot be directly deposited to TD Ameritrade they must continue to be directed to one or more of the Plan s core investment options before the funds are transferred to your SDBA. The investment choices available through TD Ameritrade are not approved, selected, monitored or reviewed by Voya or any representative of the Plan. When you elect to open a TD Ameritrade SDBA, you assume the sole responsibility for actively managing the investments in your SDBA. When you set up an SDBA with TD Ameritrade, you will be asked to sign a TD Ameritrade Account Agreement, which incorporates the TD Ameritrade Client Agreement by reference. The TD Ameritrade Client Agreement is available at You should read both agreements carefully the terms of the agreements will affect your rights under the Plan. There are certain features of your SDBA of which you should be aware, which are outlined below. Restrictions and Policies The Plan s core investment options, including securities issued by Voya and ING Groep, may not be purchased through the SDBA account option. In addition, funds held within the Plan s core Voya Stable Value Option may not be transferred directly or indirectly to your SDBA account. See Equity Wash Provision on page 26 for details. Further, you should review the TD Ameritrade Guide for Participants and the Excessive Trading Policy available under the Plan website at before investing. Also, if you are associated with a Voya registered investment advisor or broker dealer, you will remain subject to the rules and requirements set forth in the respective Code of Ethics/Compliance Manual when choosing the SDBA option within the Plan. Transfers to the Core Investment Options When you choose to move amounts between your SDBA to one or more of the non-competing core investment funds available under the Plan, investments are liquidated as you direct and the proceeds are added to a money market account. The amounts will remain there until you redirect the investments into the Plan s core investment options or an investment option in the SDBA. Further reinvestment in the core investment options is not automatic you must direct those investments to be made. VOYA 401(k) SAVINGS PLAN 24
25 TD Ameritrade Self-Directed Brokerage Account Special Considerations Reports On Your SDBA You will receive two separate account statements for your SDBA. Your total SDBA market value will be included on your regular Plan annual statement. In addition, for any month in which you have SDBA activity, you will receive a separate SDBA statement from TD Ameritrade. You should carefully and promptly review your monthly SDBA statement. The TD Ameritrade Client Agreement provides that you must notify TD Ameritrade of errors within 10 days after the statement is sent. You will also receive a written confirmation in the mail each time you place a trade. You will generally receive this confirmation within three to five business days of placing your trade. You should carefully and promptly review each confirmation you receive. The TD Ameritrade Client Agreement provides that the information in the transaction confirmation is binding on you unless you object within five days after the confirmation is sent. Protection For Your SDBA The Securities Investor Protection Corporation (SIPC) provides insurance coverage up to $500,000 for customers in the event of the financial failure of a brokerage company, like TD Ameritrade. Each participant who has an SDBA through TD Ameritrade probably will be a separate customer for purposes of SIPC, but that is not free from doubt. There is some risk that all participants who have SDBAs will be aggregated and treated as one customer for purposes of the coverage limit of $500,000. If you have two or more accounts with TD Ameritrade - one inside the Plan and one outside the Plan those accounts will almost certainly be aggregated for purposes of the limit under SIPC. TD Ameritrade has arranged for additional protection for the securities in your SDBA. This protection is provided through excess SIPC insurance coverage issued by London Insurers. This coverage protects against theft following brokerage insolvency and does not protect against a decline in the market value of securities. In addition, the coverage does not extend to the portion of your Plan Accounts that is invested in the core investment options. VOYA 401(k) SAVINGS PLAN 25
26 TD Ameritrade Self-Directed Brokerage Account Special Considerations Equity Wash Provision Voya Stable Value Option Trading restrictions within the stable value industry are known as equity wash provisions and restrict participant investment transfers to competing funds considered similar to stable value offerings, such as self-directed brokerage accounts, which offer access to competing investments, and money market funds. The equity wash provision is intended to prevent excessive short-term or disruptive trading in stable value funds and allow Voya to regulate credited interest and provide lower fees within the Voya Stable Value Option. The TD Ameritrade SDBA is considered a competing fund because it provides access to many funds with similar investment objectives as the Voya Stable Value Option. The following provisions place restrictions on fund transfers from the Plan s Stable Value Fund to the TD Ameritrade SDBA: Transfers cannot be made at any time from the Voya Stable Value Option directly to the TD Ameritrade SDBA Transfers from the Voya Stable Value Option to other investment options trigger a 90-day restriction on transfers into the SDBA Transfers from any investment option to any competing investment option trigger a 90-day restriction on transfers from the Voya Stable Value Option Surrenders from any investment option trigger a 90-day restriction on transfers from the Voya Stable Value Option VOYA 401(k) SAVINGS PLAN 26
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