Investment Performance

Variable annuities and mutual funds offered through a retirement plan are intended as long-term investments designed for retirement purposes. Money distributed from a 403(b) plan, 401(a)/(k) plan, or a 457 plan will be taxed as ordinary income in the year the money is distributed. Early withdrawals from a 403(b) plan and a 401(a)/(k) plan, if taken prior to age 59 1/2, will be subject to the IRS 10% premature distribution penalty tax, unless an exception applies. This IRS premature distribution penalty tax does not apply to 457 plans. Account values fluctuate with market conditions, and when surrendered the principal may be worth more or less than the original amount invested.

The performance data quoted represents past performance. Past performance does not guarantee future results. For month-end performance, which may be lower or higher than the performance data shown, please call 800-584-6001. Investment return and principal value of an investment will fluctuate so that, when sold, an investment may be worth more or less than the original cost.

The returns assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. They do not reflect any plan level administrative fees, if applicable; if reflected, returns would be less favorable.

Voya will assess an annual asset-based service fee of 0.25% to all investment options including balances held in your plans Stability of Principal or Fixed Account. This fee is deducted from your account at a frequency determined by your plan monthly or quarterly and will be pro-rated across balances held in each of the investment options. These returns do not reflect any plan level administrative fees, if applicable; if reflected, returns would be less favorable. Please contact your local representative for more information.

You should consider the investment objectives, risks and charges, and expenses of the funds carefully before investing. The prospectus contains this and other information. Anyone who wishes to obtain a free copy of the fund prospectuses may call their Voya representative or the number above. Please read the prospectus carefully before investing.

Returns less than one year are not annualized. Fund Inception Date is the date of inception for the underlying fund, and is the date used in calculating the periodic returns. This date may also precede the portfolio's inclusion in the product.

Investment Options	Asset Class	1 - Mo	3 - Mo	YTD	1 - Yr	3 - Yr	5 - Yr	10 - Yr	Incept	Fund Inception Date	Gross Fund Exp %*	Net Fund Exp %*
Voya Fixed Plus Account III - 4020 (2)(3)	Stability of Principal	0.13	0.39	0.64	1.55	1.40	1.26	1.44
Fidelity® U.S. Bond Index Fund - D110	Bonds	-0.75	-0.35	2.39	5.48	1.47	-0.97	1.47		03/08/1990	0.03	0.03
Fidelity® Total Bond K6 Fund - E882	Bonds	-0.51	-0.31	2.50	5.90	2.45	0.68		2.20	05/25/2017	0.30	0.30
T. Rowe Price Retirement 2005 Fund - I Class - G427	Asset Allocation	1.81	0.73	3.43	7.72	6.05	5.88	5.15		02/27/2004	0.34	0.34
T. Rowe Price Retirement 2010 Fund - I Class - G428	Asset Allocation	2.02	0.71	3.43	7.85	6.35	6.34	5.49		09/30/2002	0.34	0.34
T. Rowe Price Retirement 2015 Fund - I Class - G429	Asset Allocation	2.20	0.78	3.50	7.95	6.58	6.85	5.88		02/27/2004	0.35	0.35
T. Rowe Price Retirement 2020 Fund - I Class - G430	Asset Allocation	2.29	0.79	3.55	8.07	6.88	7.40	6.34		09/30/2002	0.37	0.37
T. Rowe Price Retirement 2025 Fund - I Class - G431	Asset Allocation	2.51	0.76	3.56	8.26	7.35	8.18	6.87		02/27/2004	0.38	0.38
T. Rowe Price Retirement 2030 Fund - I Class - G432	Asset Allocation	3.06	0.87	3.87	8.63	8.19	9.14	7.46		09/30/2002	0.40	0.40
T. Rowe Price Retirement 2035 Fund - I Class - G433	Asset Allocation	3.64	0.97	4.13	9.03	9.20	10.16	8.03		02/27/2004	0.42	0.42
T. Rowe Price Retirement 2040 Fund - I Class - G434	Asset Allocation	4.15	1.11	4.32	9.40	10.01	11.04	8.52		09/30/2002	0.43	0.43
T. Rowe Price Retirement 2045 Fund - I Class - G435	Asset Allocation	4.58	1.31	4.54	9.75	10.64	11.73	8.87		05/31/2005	0.44	0.44
T. Rowe Price Retirement 2050 Fund - I Class - G436	Asset Allocation	4.70	1.33	4.65	9.89	10.84	11.86	8.94		12/29/2006	0.45	0.45
T. Rowe Price Retirement 2055 Fund - I Class - G437	Asset Allocation	4.73	1.36	4.62	9.93	10.83	11.84	8.91		12/29/2006	0.46	0.46
T. Rowe Price Retirement 2060 Fund - I Class - G438	Asset Allocation	4.77	1.34	4.64	9.88	10.84	11.86	8.92		06/23/2014	0.46	0.46
T. Rowe Price Retirement 2065 Fund - I Class - G439	Asset Allocation	4.75	1.36	4.59	9.85	10.79			11.49	10/13/2020	0.46	0.46
Amana Income Fund - Institutional Class - 6780	Large Cap Value/Blend	4.24	0.13	4.18	8.02	10.70	12.52	10.16		06/23/1986	0.76	0.76
Fidelity® 500 Index Fund - C975	Large Cap Value/Blend	6.29	-0.38	1.06	13.51	14.40	15.93	12.85		02/17/1988	0.02	0.02
MFS® Value Fund - Class R6 - 9857 (4)	Large Cap Value/Blend	3.25	-1.61	4.43	8.50	8.27	12.18	9.09		01/02/1996	0.45	0.44
Amana Growth Fund - Institutional Class - 6779	Large Cap Growth	7.23	0.44	-0.57	5.42	12.57	15.15	14.37		02/03/1994	0.62	0.62
JPMorgan Large Cap Growth Fund - Class R6 Shares - 3494 (1)	Large Cap Growth	7.25	0.48	0.30	15.36	19.54	17.27	17.00		02/22/1994	0.50	0.44
Fidelity® Extended Market Index Fund - D113	Small/Mid/Specialty	7.22	-2.02	-3.09	9.60	9.66	11.36	8.52		11/05/1997	0.04	0.04
MFS® Mid Cap Growth Fund - Class R6 - 8133 (5)	Small/Mid/Specialty	6.77	2.28	2.83	10.66	11.27	8.89	11.18		12/01/1993	0.67	0.66
MFS® Mid Cap Value Fund - Class R6 - 6912 (6)	Small/Mid/Specialty	4.74	-2.72	-1.98	3.17	6.60	13.91	8.48		08/31/2001	0.63	0.62
MassMutual Small Cap Growth Equity Fund - Class I - E267	Small/Mid/Specialty	5.47	-2.25	-5.58	2.57	7.39	8.65	8.86		05/03/1999	0.85	0.85
American Beacon Small Cap Value Fund - Class R6 - C675	Small/Mid/Specialty	5.84	-7.32	-9.54	-6.07	3.28	13.58	6.38		12/31/1998	0.77	0.77
Fidelity® Total International Index Fund - D128	Global / International	4.85	8.40	14.30	13.12	9.23	10.36		7.18	06/07/2016	0.06	0.06
American Funds EUPAC Fund® - Class R-6 - 1723	Global / International	5.89	5.78	11.78	8.59	8.62	8.51	5.92		04/16/1984	0.47	0.47

The risks of investing in small company stocks may include relatively low trading volumes, a greater degree of change in earnings and greater short-term volatility.

Foreign investing involves special risks such as currency fluctuation and public disclosure, as well as economic and political risks.

Some of the Funds invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the Funds are not insured nor guaranteed.

High yielding fixed-income securities generally are subject to greater market fluctuations and risks of loss of income and principal than are investments in lower yielding fixed-income securities.

Sector funds may involve greater-than average risk and are often more volatile than funds holding a diversified portfolio of stocks in many industries. Examples include: banking, biotechnology, chemicals, energy, environmental services, natural resources, precious metals, technology, telecommunications, and utilities.

*The Gross Expense Ratios shown do not reflect temporary fee or expense waivers that may be in effect for a fund. The Net Expense Ratios reflect any applicable temporary fee or expense waivers. The performance of a fund with a temporary fee or expense waiver would have been lower if the gross fund fees/expenses listed had been reflected.

Investment Options	Asset Class	1 - Mo	3 - Mo	YTD	1 - Yr	3 - Yr	5 - Yr	10 - Yr	Incept	Fund Inception Date	Gross Fund Exp %*	Net Fund Exp %*
Voya Fixed Plus Account III - 4020 (2)(3)	Stability of Principal	0.13	0.38	0.38	1.55	1.37	1.24	1.44
Fidelity® U.S. Bond Index Fund - D110	Bonds	0.01	2.76	2.76	4.91	0.52	-0.48	1.44		03/08/1990	0.03	0.03
Fidelity® Total Bond K6 Fund - E882	Bonds	-0.06	2.76	2.76	5.53	1.35	1.67		2.28	05/25/2017	0.30	0.30
T. Rowe Price Retirement 2005 Fund - I Class - G427	Asset Allocation	-1.22	1.42	1.42	5.90	3.61	7.31	5.06		02/27/2004	0.34	0.34
T. Rowe Price Retirement 2010 Fund - I Class - G428	Asset Allocation	-1.35	1.32	1.32	5.85	3.80	7.91	5.41		09/30/2002	0.34	0.34
T. Rowe Price Retirement 2015 Fund - I Class - G429	Asset Allocation	-1.40	1.27	1.27	5.88	3.97	8.55	5.80		02/27/2004	0.35	0.35
T. Rowe Price Retirement 2020 Fund - I Class - G430	Asset Allocation	-1.52	1.18	1.18	5.82	4.11	9.33	6.28		09/30/2002	0.37	0.37
T. Rowe Price Retirement 2025 Fund - I Class - G431	Asset Allocation	-1.70	1.03	1.03	5.79	4.32	10.35	6.80		02/27/2004	0.38	0.38
T. Rowe Price Retirement 2030 Fund - I Class - G432	Asset Allocation	-2.05	0.86	0.86	5.69	4.72	11.45	7.37		09/30/2002	0.40	0.40
T. Rowe Price Retirement 2035 Fund - I Class - G433	Asset Allocation	-2.40	0.67	0.67	5.66	5.32	12.58	7.90		02/27/2004	0.42	0.42
T. Rowe Price Retirement 2040 Fund - I Class - G434	Asset Allocation	-2.66	0.43	0.43	5.68	5.80	13.53	8.36		09/30/2002	0.43	0.43
T. Rowe Price Retirement 2045 Fund - I Class - G435	Asset Allocation	-2.83	0.27	0.27	5.71	6.19	14.26	8.66		05/31/2005	0.44	0.44
T. Rowe Price Retirement 2050 Fund - I Class - G436	Asset Allocation	-2.92	0.26	0.26	5.75	6.33	14.36	8.72		12/29/2006	0.45	0.45
T. Rowe Price Retirement 2055 Fund - I Class - G437	Asset Allocation	-2.97	0.15	0.15	5.66	6.29	14.34	8.69		12/29/2006	0.46	0.46
T. Rowe Price Retirement 2060 Fund - I Class - G438	Asset Allocation	-2.98	0.18	0.18	5.65	6.31	14.36	8.69		06/23/2014	0.46	0.46
T. Rowe Price Retirement 2065 Fund - I Class - G439	Asset Allocation	-2.94	0.16	0.16	5.62	6.23			10.87	10/13/2020	0.46	0.46
Amana Income Fund - Institutional Class - 6780	Large Cap Value/Blend	-5.09	-1.25	-1.25	1.52	7.50	14.74	9.76		06/23/1986	0.76	0.76
Fidelity® 500 Index Fund - C975	Large Cap Value/Blend	-5.63	-4.28	-4.28	8.24	9.05	18.58	12.49		02/17/1988	0.02	0.02
MFS® Value Fund - Class R6 - 9857 (4)	Large Cap Value/Blend	-2.06	3.96	3.96	7.00	7.21	15.27	9.26		01/02/1996	0.45	0.44
Amana Growth Fund - Institutional Class - 6779	Large Cap Growth	-7.31	-8.25	-8.25	-3.80	6.56	17.10	13.56		02/03/1994	0.62	0.62
JPMorgan Large Cap Growth Fund - Class R6 Shares - 3494 (1)	Large Cap Growth	-7.56	-7.73	-7.73	6.59	11.64	21.29	16.41		02/22/1994	0.50	0.44
Fidelity® Extended Market Index Fund - D113	Small/Mid/Specialty	-7.92	-8.92	-8.92	-0.41	2.72	15.20	7.88		11/05/1997	0.04	0.04
MFS® Mid Cap Growth Fund - Class R6 - 8133 (5)	Small/Mid/Specialty	-6.52	-6.02	-6.02	-2.61	3.64	11.66	10.29		12/01/1993	0.67	0.66
MFS® Mid Cap Value Fund - Class R6 - 6912 (6)	Small/Mid/Specialty	-3.28	-2.55	-2.55	2.05	5.58	17.80	8.56		08/31/2001	0.63	0.62
MassMutual Small Cap Growth Equity Fund - Class I - E267	Small/Mid/Specialty	-6.93	-10.11	-10.11	-4.37	0.55	13.00	8.29		05/03/1999	0.85	0.85
American Beacon Small Cap Value Fund - Class R6 - C675	Small/Mid/Specialty	-6.57	-8.81	-8.81	-6.22	2.08	17.98	6.41		12/31/1998	0.77	0.77
Fidelity® Total International Index Fund - D128	Global / International	0.14	5.58	5.58	6.32	4.55	11.23		6.36	06/07/2016	0.06	0.06
American Funds EUPAC Fund® - Class R-6 - 1723	Global / International	-2.89	2.62	2.62	0.34	3.28	9.93	5.33		04/16/1984	0.47	0.47

The risks of investing in small company stocks may include relatively low trading volumes, a greater degree of change in earnings and greater short-term volatility.

Foreign investing involves special risks such as currency fluctuation and public disclosure, as well as economic and political risks.

Some of the Funds invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the Funds are not insured nor guaranteed.

High yielding fixed-income securities generally are subject to greater market fluctuations and risks of loss of income and principal than are investments in lower yielding fixed-income securities.

⁽¹⁾ JPMorgan Large Cap Growth Fund - Class R6 Shares: The Fund's adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding Acquired Fund Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 0.44% of the average daily net assets of Class R6 Shares. The Fund may invest in one or more money market funds advised by the adviser or its affiliates (affiliated money market funds). The Fund's adviser, shareholder servicing agent and/or administrator have contractually agreed to waive fees and/or reimburse expenses in an amount sufficient to offset the respective net fees each collects from the affiliated money market funds on the Fund's investment in such money market funds. These waivers are in effect through 10/31/25, at which time it will be determined whether such waivers will be renewed or revised. To the extent that the Fund engages in securities lending, affiliated money market fund fees and expenses resulting from the Fund's investment of cash received from securities lending borrowers are not included in Total Annual Fund Operating Expenses and therefore, the above waivers do not apply to such investments.

⁽²⁾ The Investment Option is neither a mutual fund nor part of a Separate Account. The returns listed do not include the impact of contract charges. Please refer to the contract or disclosure book to determine which Fixed Interest Options are available for your specific plan. The Investment Option is offered through Voya Retirement Insurance and Annuity Company.

⁽³⁾ The current rate for the Voya Fixed Plus Account III MC 945, Fund 4020 is 1.55%, expressed as an annual effective yield. The current rate may change and be higher or lower than the previously identified rate but is guaranteed not to be less than the calendar year floor rate of 1.00%, which will not change through 12/31/2025. In addition, the current rate is guaranteed not to be less than the Guaranteed Minimum Interest Rate of 1.00%. VRIAC will not apply a decrease to the current rate following a rate change initiated solely by us prior to the last day of the three-month period measured from the first day of the month in which such change was effective. Note: The current rate for an initial investment in the fixed account previously identified may be in effect for less than a full three-month period. Guarantees are based on the claims-paying ability of Voya Retirement Insurance and Annuity Company.

⁽⁴⁾ MFS Value Fund - Class R6: Massachusetts Financial Services Company (MFS) has agreed in writing to waive at least 0.01% of the fund's management fee as part of an agreement pursuant to which MFS has agreed to reduce its management fee by a specified amount if certain MFS mutual fund assets exceed thresholds agreed to by MFS and the fund's Board of Trustees. The agreement to waive at least 0.01% of the management fee will continue until modified by the fund's Board of Trustees, but such agreement will continue until at least December 31, 2024.

⁽⁵⁾ MFS Mid Cap Growth Fund - Class R6: Massachusetts Financial Services Company (MFS) has agreed in writing to waive at least 0.01% of the fund's management fee as part of an agreement pursuant to which MFS has agreed to reduce its management fee by a specified amount if certain MFS mutual fund assets exceed thresholds agreed to by MFS and the fund's Board of Trustees. The agreement to waive at least 0.01% of the management fee will continue until modified by the fund's Board of Trustees, but such agreement will continue until at least December 31, 2024.

⁽⁶⁾ MFS Mid Cap Value Fund - Class R6: Massachusetts Financial Services Company (MFS) has agreed in writing to waive at least 0.01% of the fund's management fee as part of an agreement pursuant to which MFS has agreed to reduce its management fee by a specified amount if certain MFS mutual fund assets exceed thresholds agreed to by MFS and the fund's Board of Trustees. The agreement to waive at least 0.01% of the management fee will continue until modified by the fund's Board of Trustees, but such agreement will continue until at least January 31, 2025.

The chart shows the performance for each investment option for the time periods shown.

You should consider the investment objectives, risks, and charges and expenses of the variable product and its underlying fund options as well as mutual funds offered through a retirement plan before investing. The prospectuses/ prospectus summaries containing this and other information can be obtained by contacting your local representative. Please read the information carefully before investing.

Variable annuities and mutual funds offered under a retirement plan are long-term investments designed for retirement purposes. If withdrawals are taken prior to age 59 ½, an IRS 10% premature distribution penalty tax will apply, unless an IRS exception applies. Money taken from the plan will be taxed as ordinary income in the year the money is distributed. Account values fluctuate with market conditions, and when surrendered the principal may be worth more or less than its original amount invested. An annuity does not provide any additional tax deferral benefit, as tax deferral is provided by the plan. Annuities may be subject to additional fees and expenses to which other tax-qualified funding vehicles may not be subject. However, an annuity does provide other features and benefits, such as lifetime income payments and death benefits, which may be valuable to you.

For 403(b)(1) fixed or variable annuities, employee deferrals (including earnings) may generally be distributed only upon your: attainment of age 59½, severance from employment, death, disability, or hardship. Note: Hardship withdrawals are limited to employee deferrals made after 12/31/88. Exceptions to the distribution rules: No Internal Revenue Code withdrawal restrictions apply to '88 cash value (employee deferrals (including earnings) as of 12/31/88) and employer contributions (including earnings). However, employer contributions made to an annuity contract issued after December 31, 2008 may not be paid or made available before a distributable event occurs. Such amounts may be distributed to a participant or if applicable, the beneficiary: upon the participant's severance from employment or upon the occurrence of an event, such as after a fixed number of years, the attainment of a stated age, or disability.

The Voya Fixed Account is available through an annuity contract issued by Voya Retirement Insurance and Annuity Company (“VRIAC”). The Voya Fixed Account is an obligation of VRIAC’s general account which supports all of the company's insurance and annuity commitments. The interest rate guarantees under the contract are subject to VRIAC’s claims-paying ability.

The principal value of the Retirement Funds is not guaranteed at any time, including at or after the target date, which is the appropriate date when investors turn age 65. The funds invest in a broad range of underlying mutual funds that include, bonds, and short-term investments and are subject to the risks of different areas of the market. The funds maintain a substantial allocation to the equities both prior to and after the target date, which can result in greater volatility.