Planning for retirement doesn t have to be difficult All you have to do is call us back.

Planning for retirement doesn t have to be difficult All you have to do is call us back.

When it comes to retirement planning, you re in a good spot. Really. I 01

02 I Unlike many people, you re doing more than dreaming of it. You re actively working toward it every day. Making smarter choices. And now you re ready to do even more.

We re here to help. Recently, you may have spoken to someone at Voya Financial TM (Voya) about rolling over your employersponsored retirement plan into an Individual Retirement Account (IRA). This is a very important decision, so we want to give you the opportunity to make an informed choice. And when you re ready, we hope you ll partner with us. But before you do that, let s answer a few questions you may have. Why should I roll over into an IRA? When you leave a job, be sure you don t leave anything behind particularly your retirement savings account. Here s why it s important to roll over your account to an IRA: You gain control. When you have a 401(k) or other retirement savings account through your employer, they make the decisions on what investments are available, the fees you pay, and more. Now, you can be in the driver s seat. By rolling over any accounts from former employers into an IRA, you can create a portfolio that s truly customized to your goals and dreams. You get more investment options. Consider this statistic: On average, employer-based 401(k) plans offer 13 investment options. By comparison, when you roll over to our IRA, you get to choose from more than a limited investment menu a plan sponsor has selected for you. You ll have even more funds to choose from, as well as stocks, bonds and CDs. This makes diversifying your portfolio much easier. I 03

04 I Let s be real. Planning for retirement is among the most important things you ll ever do in your life.

How much will I need to retire? If you don t know, these questions can help get you started. At what age do I want to retire? How much money will I need per year? (Don t forget about inflation.) How much have I already saved and invested? What rate of return am I looking for? (People often pick a figure between 5% and 10%.) How much can I expect from Social Security, pension plans, inheritances, or other sources? You will have an easier time managing your retirement plan. According to the U.S. Bureau of Labor Statistics, the average person changes jobs 11 times before they retire, which could lead to having retirement savings accounts here, there and everywhere. By moving all of them to one place, you ll see exactly what you ve saved over the years, be able to manage your allocation among different types of investments and easily make adjustments to your plan moving forward. Why should I roll over to Voya? Most importantly, you have full access to a Voya Financial Advisors retirement consultant, at no cost to you. Let s be real. Planning for retirement is among the most important things you ll ever do in your life. At Voya, we understand this. That s why we offer our customers complimentary access to a licensed financial professional one whose primary focus is helping people like you save for retirement. It doesn t matter if you ve already started planning for your retirement or not. A Voya retirement consultant can help get you where you need to be. If you already have a detailed, thought-out plan, a retirement consultant can help reaffirm your choices and tweak your plan to make it even better, as well as help with additional strategies for saving even more. And if you haven t even started, a retirement consultant will help you create an organized, thought-out approach. From scratch. I 05

Break it down for me. Exactly what can my Voya retirement consultant do? Here s how it works: Your retirement consultant will take a look at your existing retirement accounts, the money you re making and the money you re saving. From there, s/he will help you come up with a customized game plan. Once that s done, you can continue to work one-on-one with a retirement consultant down the road. Someone who will get to know your needs. Your life. And your retirement vision. Plus, s/he can help you improve your understanding of the entire process from rolling over accounts to discussing distribution options. And everything in between. S/he will even help you fill out any paperwork you need to get started. Bottom line your Voya retirement consultant does more than help you through the planning process. S/he also empowers you with the information you need to take control of your retirement. Are there any other reasons to go with Voya? Of course. Voya has a proven track record in helping more than five million people save for retirement in the United States alone. And when you roll over an account to Voya, you ll also benefit from: A wide range of investment options. You ll be able to build a retirement plan with a broad range of stocks, bonds, mutual funds, exchange-traded funds* and others. With so many options, you can create a diversified plan that s best for your retirement goals. Easy account management. You want to find a broad range of retirement-related information available when you need it. You also want it to be easy to navigate. At Voya.com, you ll get the best of both worlds. 24/7/365 account access. Need your account balance right now? Woke up in the middle of the night with a brainstorm? With Voya, you can make changes to your account anytime online or by phone between the hours of 8:00 am 8:00 pm ET, Monday through Friday. 06 I

How do I call my retirement consultant back? Like everything else at Voya, we try to make that simple. To get in touch with the retirement consultant you ve already spoken with, use the business card enclosed in this kit. Or if it s easier, just call 888-681-3153. At Voya, it s our mission to help you create the best retirement possible. And rolling over your old retirement savings account(s) into a Voya IRA is a great way to move forward. Take a few minutes to call us now. * Inverse or Leverage ETF products are not on the Voya Financial Advisors platform.

3 tips for planning your retirement Planning in your 20s and 30s 1. Enroll in your employer s retirement savings account, even if you can only afford to contribute a little bit right now. 2. Many employer plans match your investment up to a certain percentage, so make sure you contribute enough to get the full match. 3. Start saving outside of your employer plan in an IRA. Planning in your 40s 1. Make sure you are contributing the maximum amount to your plan at least enough to get any match that is provided. 2. Review and rebalance your retirement plan annually and consider increasing the amount of lower-risk investments (like bonds) in your portfolio as you age. enough to get the full match. 3. Refrain from tapping your retirement savings. Don t withdraw money before retirement or take a cash distribution when you leave an employer. Planning in your 50s 1. Take advantage of catch-up provisions that allow people over 50 to invest more in retirement plans. 2. If you haven t already done so, decrease the amount of higher-risk investments in your portfolio or select a target-date fund that will do this automatically. 3. Start to have conversations with your spouse, partner or family about your retirement and try estimating what you think your expenses might be. 08 I

If you re ready to meet your Voya retirement consultant, call 888-681-3153, today.

Voya Financial Advisors One Orange Way Windsor, CT 06095 888-681-3153 Please note that while Voya retirement consultants do not make money on individual conversations, the products and programs they offer have fees and costs associated with them. Please refer to the disclosures/prospectuses of the individual products for additional pricing information. Neither Voya Financial Advisors, Inc. nor its registered representatives offer legal or tax advice. For tax or legal advice please consult with your attorney or tax advisor. Retirement Consultants are registered representatives of and offer securities through Voya Financial Advisors, Inc. (member SIPC), 909 Locust Street, Des Moines, IA 50309. 163923 3023570.I.P-2 2014 Voya Services Company. All rights reserved. CN0620-19266-0716 Voya.com

Take control of where your dollars are invested Voya express Mutual Fund IRA - Fund Listing

The Voya express Mutual Fund IRA Custodial Account provides access to over 80 mutual funds to invest in. Balanced/Allocation IVY Balanced Fund Class R IYBFX 3783 Voya Global Target Payment Fund - Class A IGPAX 1922 Voya Index Solution 2015 Portfolio - Adviser Class ISAAX 1535 Voya Index Solution 2025 Portfolio - Adviser Class ISDAX 1538 Voya Index Solution 2035 Portfolio - Adviser Class ISEAX 1541 Voya Index Solution 2045 Portfolio - Adviser Class ISJAX 1544 Voya Index Solution 2055 Portfolio - Adviser Class IISAX 1164 Voya Index Solution Income Portfolio - Adviser Class ISKAX 1547 Voya Retirement Conservative Portfolio - Adviser Class IRCAX 1729 Voya Retirement Growth Portfolio - Adviser Class IRGPX 1732 Voya Retirement Moderate Growth Portfolio - Adviser Class IRMGX 1731 Voya Retirement Moderate Portfolio - Adviser Class IRMPX 1730

Balanced/Allocation (continued) Voya Solution 2015 Portfolio - Adviser Class ISOAX 745 Voya Solution 2025 Portfolio - Adviser Class ISZAX 749 Voya Solution 2035 Portfolio - Adviser Class ISQAX 760 Voya Solution 2045 Portfolio - Adviser Class ISRAX 763 Voya Solution 2055 Portfolio - Adviser Class IASPX 1169 Voya Solution Income Portfolio - Adviser Class ISWAX 766 VY Franklin Income Portfolio - Adviser Class IIFAX 1742 VY T. Rowe Price Capital Appreciation Portfolio - Adviser Class ITRAX 320 Bond BlackRock High Yield Bond Fund Class R BHYRX 7282 Deutsche Ultra Short Duration Fund Class A SDUAX 6543 Fidelity Advisor Strategic Income Fund - T Class FSIAX 7561 Lord Abbett Bond Debenture Fund - Class R3 LBNRX 1568 Lord Abbett Short Duration Income Fund Class R3 LDLRX 6823 PIMCO Income Fund Class R PONRX 6916 PIMCO Low Duration Fund - Class R PLDRX 8068 PIMCO Real Return Fund - Class R PRRRX 8064 Prudential Short-Term Corporate Bond Fund, Inc. - R Class JDTRX 3454 Prudential Total Return Bond Fund - R Class DTBRX 6259 Voya Floating Rate Fund - Class R IFRRX 2242 Voya GNMA Income Fund - Class A LEXNX 363 Voya High Yield Portfolio - Adviser Class IPYAX 1020 Voya Intermediate Bond Portfolio - Class R IIBOX 1259 Voya Limited Maturity Bond Portfolio - Adviser Class IMBAX 1929 Voya Strategic Income Fund - Class R ISIRX 6747 Voya U.S. Bond Index Portfolio - Adviser Class ILUAX 1553 * Generally speaking, Target Date funds target a certain date range for retirement, or the date the investor plans to start withdrawing money. Investors can select the fund that corresponds to their target date. They are designed to rebalance to a more conservative approach as the date nears. An investment in the Target Date Fund is not guaranteed at any time, including on or after the target date.

Bond (continued) VY BlackRock Inflation Protected Bond Portfolio - Adviser Class IBRAX 1721 VY PIMCO Bond Portfolio - Adviser Class IPRAX 446 International Deutsche Global Infrastructure Fund Class A TOLLX 6820 Fidelity Advisor Diversified International Fund Class T FADIX 1189 Oppenheimer Developing Markets Fund - Class N ODVNX 9209 Oppenheimer International Growth Fund - Class N OIGNX 7989 VY JP Morgan Emerging Markets Equity Portfolio - Adviser Class IJEAX 1048 VY T.Rowe Price International Stock Portfolio - Adviser Class IMIOX 1047 VY Templeton Foreign Equity Portfolio - Adviser Class IFTAX 1587 Large-Cap Blend Fidelity Advisor Diversified Stock Fund Class T FDTEX 6821 Oppenheimer Main Street Fund Class R OMGNX 351 Voya Corporate Leaders 100 Fund - Class R IRCLX 3437 Voya Growth and Income Portfolio - Adviser Class IAVGX 1383 Voya Russell Large Cap Index Portfolio - Adviser Class IRLIX 1556 Voya U.S. Stock Index Portfolio - Service 2 Class ISIPX 1357 VY Columbia Contrarian Core Portfolio - Adviser Class ISBAX 272 Large-Cap Growth Fidelity Advisor New Insights Fund - T Class FNITX 2170 Voya Large Cap Growth Portfolio - Adviser Class IEOPX 1775 VY T.Rowe Price Growth Equity Portfolio - Adviser Class IGEAX 256 Large-Cap Value BlackRock Equity Dividend Fund - Class R MRDVX 7272 Voya Large Cap Value Portfolio - Class A IPEAX 2326 VY Invesco Comstock Portfolio - Adviser Class IVKAX 444 VY T. Rowe Price Equity Income Portfolio - Service 2 Class ITETX 619 * An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund may seek to preserve the value of your investment at $1.00 per share, there is no assurance that it will be able to do so. While the fund s objective includes the preservation of capital, it is possible to lose money by investing money in the fund.

Mid-Cap Blend Voya Russell Mid Cap Index Portfolio - Adviser Class IRMAX 1559 Mid-Cap Growth IVY Mid Cap Growth Fund Class R WMGRX 2422 Voya MidCap Opportunities Portfolio - Adviser Class IAMOX 8474 VY Baron Growth Portfolio - Adviser Class IBSAX 442 VY FMR Diversified Mid Cap Portfolio - Service 2 Class IFDTX 777 VY T.Rowe Price Diversified Mid Cap Growth Portfolio - Adviser Class IAXAX 266 Mid-Cap Value Deutsche Mid Cap Value Fund Class R MIDQX 6819 Fidelity Advisor Mid Cap Value Fund Class T FMPTX 2394 Voya Mid Cap Value Advantage Fund Class R AIMRX 311 VY American Century Small-Mid Cap Value Portfolio - Adviser Class IASAX 447 VY JPMorgan Mid Cap Value Portfolio - Adviser Class IJMAX 441 Money Market* Voya Liquid Assets Portfolio - Service 2 Class ITLXX 620 Sector Fidelity Advisor HealthCare Fund Class T FACTX 7560 Prudential Jennison Utilities Fund Class R JDURX 6540 Voya Global Resources Portfolio - Adviser Class IGRAX 2039 VY Clarion Global Real Estate Portfolio - Adviser Class ICRNX 1725 VY Clarion Real Estate Portfolio - Adviser Class ICRPX 1111 Small-Cap Blend Fidelity Advisor Small Cap Fund - T Class FSCTX 2196 Voya Russell Small Cap Index Portfolio - Adviser Class IRSIX 1562 VY JPMorgan Small Cap Core Equity Portfolio - Adviser Class IJSAX 315 Small-Cap Growth Voya Small Cap Opportunities Portfolio - Adviser Class ISOPX 9241 * An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund may seek to preserve the value of your investment at $1.00 per share, there is no assurance that it will be able to do so. While the fund s objective includes the preservation of capital, it is possible to lose money by investing money in the fund.

Small-Cap Value VY Columbia Small Cap Value Fund Class A ICSAX 1216 World Bond Voya Global Bond Portfolio - Class R IGBRX 1904 World Stock VY Morgan Stanley Global Franchise Portfolio - Adviser Class IGFAX 1752 VY Oppenheimer Global Portfolio - Adviser Class IGMAX 445 World Allocation BlackRock Global Allocation Fund, Inc. - Class R MRLOX 1620 PIMCO All Asset Fund - Class R PATRX 8069 Voya Global Perspectives Fund - Class R IRPVX 3907 You should consider the investment objectives, risks, and charges and expenses of the mutual funds offered through a retirement plan, carefully before investing. The fund prospectuses contain this and other information, which can be obtained by contacting your local representative. Please read the information carefully before investing. * An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund may seek to preserve the value of your investment at $1.00 per share, there is no assurance that it will be able to do so. While the fund s objective includes the preservation of capital, it is possible to lose money by investing money in the fund.

Voya express Mutual Fund IRA Custodial Account At-a-Glance. Monies Allowed Individual Retirement Account, designed to accept rollovers from any 401(k), 403(b) and governmental 457 plan, as well as from other IRAs. Account Types Traditional IRA and Roth IRA Fund Managers Mutual funds from a wide variety of respected fund management companies. Investment management fees may apply. Minimum Contributions Rollovers of $5,000 and an annual $1,000 minimum for additional contributions. Deferred Sales Charge None Transaction Fee None, even for transfers between different fund families. Transfers between funds in the Voya express Mutual Fund are not taxable. Maintenance Fee $10 quarterly fee applies for any quarter in which balance is below $25,000. If you have... IRA or SEP, 401(k) or 457 plan (Generally, you must be separated from service to transfer your assets.), 403(b) (if you ve separated from service)... Then you can roll your assets over into an Voya express Mutual Fund IRA. Mutual Funds offered in an individual retirement account are considered long-term investments designed for retirement purposes. If withdrawals are taken prior to age 59½, an IRS 10% premature distribution penalty tax will apply unless an IRS exception applies. Money will be taxed as ordinary income in the year it is distributed. Account values fluctuate with market conditions, and when redeemed the principal may be worth more or less than its original amount.

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 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. 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. The Voya Index Solution Portfolios SM and Voya Solution Portfolios SM 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 these portfolios. FTSE, FT-SE, Footsie, FTSE4Good and techmark are trade marks jointly owned by the London Stock Exchange Plc and The Financial Times Limited and are used by FTSE International Limited ( FTSE ) under license. All-World, All-Share and All-Small are trade marks of FTSE. The Voya FTSE 100 Index is calculated by FTSE. FTSE does not sponsor, endorse or promote this product and is not in any way connected to it and does not accept any liability in relation to its issue, operation and trading. Investments in funds like Prudential Jennison Utilities Fund could pose greater volatility inherent in a portfolio which concentrates its investments in one economic sector or geographical region. Stocks of small, small-emerging and intermediate-size companies may have less liquidity than those of larger, established companies and may be subject to greater price volatility and risk than the overall stock market. Portfolios that invest in high-yield securities are subject to greater credit risk and price fluctuations than portfolios that invest in higher-quality securities. Please refer to the underlying fund prospectus for more information regarding risks associated with the portfolios. Investments in specialty portfolios may entail greater risks, which are more fully described in the prospectus. Voya Institutional Trust Company is the custodian for Voya express Mutual Fund IRA Custodial Accounts. Retirement programs are distributed by Voya Financial Advisors, Inc. (member SIPC), One Orange Way, Windsor, CT 06095-4774 or other broker-dealers with which it has a wholesaling or selling agreement. All named companies are members of the Voya family of companies. Voya does not offer legal or tax advice. Seek the advice of a tax attorney or tax advisor prior to making a tax-related decision. 167164 3026973.I.P-3 2014 Voya Services Company. All rights reserved. CN0416-9419-0515 Voya.com