Voya Retirement Insurance and Annuity Company

(1)

P E R F O R M A N C E U P D A T E

Voya Retirement Insurance and Annuity Company

SUNY Voluntary 403b - new enrollments

Variable Annuity Account C, Non-Standardized Returns without a Deferred Sales Charge

(shown in percentages)

08/31/2020

Average Annual Total Returns as of:

Variable annuities are long-term investment vehicles designed for retirement purposes which allow you to allocate contributions among variable investment options that have the potential to grow tax-deferred with an option to receive a stream of income at a later date. Early withdrawals from variable annuities may be subject to surrender charges, and if taken prior to age 59 1/2, a 10% IRS penalty may apply. Withdrawals will also reduce the applicable death benefit and cash surrender value/account value.

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

These numbers reflect total Separate Account charges(0.30% for Voya Govt Money Market Portfolio I, and 0.95% for all other funds) on an annual basis. A Deferred Sales Charge is not reflected; if reflected, this charge would decrease the performance shown. They also assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses.

Depending upon the type of contract in which you participate, you have either received prospectuses and/or prospectus summaries for the separate account and the funds/variable investment options (vios). You should consider the investment objectives, risks and charges, and expenses of the variable product and its underlying fund options carefully before investing. The prospectus contains this and other information. Anyone who wishes to obtain a free copy of the separate account and/or fund/vios prospectuses may call their Voya representative or the number above. Please read the prospectus or prospectus summaries carefully before investing.

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

5-Yr

Investment Options 3-Mo YTD 1-Yr 3-Yr 10-Yr

Fund Inception Date Incept 1-Mo Stability of Principal Money Market 0.50 0.08 1.05 0.17 01/01/1980

Voya Government Money Market Portfolio - Class I - 003 (2) -0.02 -0.08 0.61

The 7-day annualized Subaccount yield as of 08/31/2020 is -0.30%, which more closely reflects current earnings. (5)

Stability of Principal

3.00

1.99 3.00 3.02

Voya Fixed Account - 4993 (1)(4) 0.25 0.75 3.00

This fund is not part of the product's separate account. Bonds

High Yield Bond

3.09

0.62 3.69 5.32 05/03/2004

Voya High Yield Portfolio - Institutional Class - 1159 1.11 6.28 4.97 Inflation-Protected Bond

6.82

7.97 3.79 2.09 02/10/1997

American Century Inflation-Adjusted Bond Fund - Inv Class - 1001 0.89 4.43 3.02 Intermediate Core-Plus Bond

4.75

5.26 4.06 3.83 05/23/1973

Voya Intermediate Bond Portfolio - Class I - 004 -0.30 2.60 3.90 Intermediate Government

4.58

6.25 3.51 2.23 05/31/2007

JPMorgan Government Bond Fund - Class I Shares - 7732 -0.73 0.33 2.57 World Bond

(2)

5-Yr

Investment Options 1-Mo 3-Mo YTD 1-Yr 3-Yr 10-Yr Incept Date

3.27

3.55 2.45 2.30 11/08/2004

Voya Global Bond Portfolio - Initial Class - 422 0.35 5.43 3.96

Asset Allocation

Lifecycle

9.93

4.44 6.25 7.67 04/29/2005

Voya Solution 2025 Portfolio - Initial Class - 790 (3) 2.91 9.24 6.81 11.08

3.06 6.51 8.48 04/29/2005

3.27 6.70 9.04 04/29/2005

2.86 6.65 9.08 03/08/2010

5.19 5.21 5.05 04/29/2005

Voya Solution Income Portfolio - Initial Class - 767 (3) 1.47 6.30 5.14

Balanced

Allocation--50% to 70% Equity

13.43

8.92 10.64 9.10 09/02/1986

Calvert VP SRI Balanced Portfolio - 101 4.07 11.28 8.93 2.54

-4.30 2.57 7.62 12/10/2001

VY® Invesco Equity and Income Portfolio - Initial Class - 452 3.13 6.62 5.10 12.40

6.61 10.63 11.45 01/24/1989

VY® T. Rowe Price Capital Appreciation Portfolio - Service - 788 1.99 7.14 10.25 World Allocation

14.18 5.23

8.14 6.74 04/25/2013

Voya Global Perspectives® Portfolio - Class I - 3911 1.24 6.66 6.72

Large Cap Value

Large Blend

6.94

-1.91 8.58 11.84 07/31/1952

American Funds Washington Mutual Investors FundSM-Class R-4 - 819 4.50 7.73 10.41 20.62

8.95 13.30 13.98 08/27/1992

Fidelity® VIP Index 500 Portfolio - Initial Class - 131 7.09 15.17 13.26 17.47

10.35 14.79 13.72 08/31/1992

Parnassus Core Equity FundSM - Investor Shares - 2228 6.08 15.74 12.79 13.23

4.18 10.53 11.95 12/31/1979

Voya Growth and Income Portfolio - Class I - 001 6.25 12.99 10.91 Large Value

3.58

-5.70 5.12 10.03 10/09/1986

Fidelity® VIP Equity-Income Portfolio - Initial Class - 108 3.62 7.43 7.29 2.11

-6.79 6.84 11.48 07/02/1987

JPMorgan Equity Income Fund - Class I Shares - 3420 4.69 8.75 8.53 0.03

-9.97 3.32 10.43 07/25/1990

Pioneer Equity Income Fund - Class Y Shares - 1332 3.05 6.38 7.23

Large Cap Growth

Large Growth

35.76

22.77 17.49 15.03 12/01/1973

American Funds The Growth Fund of America® - Class R-4 - 572 8.68 19.41 15.77 36.37

25.84 17.34 14.42 01/03/1995

Fidelity® VIP Contrafund Portfolio - Initial Class - 133 8.52 19.74 14.92 31.09

21.03 19.03 16.59 05/03/2004

Voya Large Cap Growth Portfolio - Institutional Class - 742 6.36 17.53 16.80 37.77

26.84 19.50 17.58 11/28/1997

VY® T. Rowe Price Growth Equity Portfolio - Initial Class - 111 9.93 21.71 17.47

Small/Mid/Specialty

Mid-Cap Blend

3.88

-4.85 4.73 10.19 08/02/1999

Invesco Oppenheimer Main Street Mid Cap Fund® - Class A - 1028 2.95 7.50 5.83 7.26

-1.32 7.37 11.59 03/04/2008

Voya Russell™ Mid Cap Index Portfolio - Class I - 1560 3.41 11.20 8.22 Mid-Cap Growth

22.44

15.59 14.25 13.52 05/05/2000

Voya MidCap Opportunities Portfolio - Class I - 081 3.09 13.73 12.52 18.95

10.84 16.14 14.85 12/10/2001

VY® T. Rowe Price Diversified Mid Cap Growth Port - Initial - 449 2.67 11.54 13.53 Mid-Cap Value

-0.65

-9.31 3.74 10.73 05/05/2000

Victory Sycamore Established Value Fund - Class A - 2798 3.84 8.27 6.77 -2.19

-12.60 1.59 9.75 05/01/2002

VY® American Century Small-Mid Cap Value Portfolio- Initial - 434 4.02 8.35 5.69 -5.89

-14.37 -0.01 9.76 05/01/2002

VY® JPMorgan Mid Cap Value Portfolio - Initial Class - 429 3.23 8.03 3.68 Small Blend

4.77

-6.30 3.76 10.25 03/04/2008

Voya Russell™ Small Cap Index Portfolio - Class I - 1563 5.60 12.08 6.30 -1.00

-11.24 0.40 9.46 12/27/1996

Voya Small Company Portfolio - Class I - 042 4.37 8.97 4.46 Small Growth

10.53

0.73 4.24 11.27 05/06/1994

Voya SmallCap Opportunities Portfolio - Class I - 080 3.69 8.40 6.24 11.55 -0.21 10.95 12.95 05/03/1995 Wanger USA - 821 5.54 9.47 10.76 Small Value -1.41 -13.71 1.41 9.20 05/01/1998

(3)

See Performance Introduction Page for Important Information

5-Yr

Fund Inception

Date Incept

1-Mo

Specialty - Equity Prec Metals

18.62 06/29/2020 USAA Precious Metals and Minerals Fund - Class A Shares - E496 -1.94

Specialty - Global Real Estate

-10.60

-14.22 -0.11 4.86 01/03/2006

VY® Clarion Global Real Estate Portfolio - Institutional - 1613 3.26 8.67 2.01

Global / International

Diversified Emerging Mkts

12.32

0.12 3.95 4.44 11/18/1996

Invesco Oppenheimer Developing Markets Fund - Class A - 190 3.81 18.70 8.90 Foreign Large Blend

4.60

-5.35 0.94 4.69 03/04/2008

Voya International Index Portfolio - Class I - 1551 4.73 10.10 3.48 Foreign Large Growth

17.57

5.32 5.43 6.64 04/16/1984

American Funds EuroPacific Growth Fund® - Class R-4 - 573 5.42 17.44 7.29 9.56

0.55 4.23 6.17 03/15/2002

Invesco International Growth Fund - Class R5 - 8506 3.98 14.68 5.65 Foreign Large Value

0.14

-8.37 -1.97 3.28 01/03/2006

Voya Intl High Dividend Low Volatility Port - Initial Class - 1586 4.92 8.18 1.08 World Large Stock

29.87

17.39 14.06 12.23 03/13/1973

American Funds New Perspective Fund® - Class R-4 - 818 8.89 21.83 13.40 24.96

10.80 10.85 11.22 05/01/2002

VY® Invesco Oppenheimer Global Portfolio - Initial Class - 432 7.12 17.39 10.79 World Small/Mid Stock

23.35

12.39 11.87 10.96 07/24/2002

American Funds SMALLCAP World Fund® - Class R-4 - 1445 4.88 14.49 10.97

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.

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Voya Retirement Insurance and Annuity Company

SUNY Voluntary 403b - new enrollments

Variable Annuity Account C, Non-Standardized Returns with a Deferred Sales Charge

(shown in percentages)

08/31/2020

Average Annual Total Returns as of:

These numbers reflect total Separate Account charges(0.30% for Voya Govt Money Market Portfolio I, and 0.95% for all other funds) on an annual basis and the applicable deferred sales charge, which declines over 10 years as follows: 5%, 5%, 5%, 5%, 5%, 4%, 4%, 3%, 3%, 2%. They also assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses.

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

5-Yr

Fund Inception Date Incept 1-Mo Stability of Principal Money Market -4.53 -4.93 -0.66 0.17 01/01/1980

Voya Government Money Market Portfolio - Class I - 003 (2) -5.02 -5.07 -0.42

The 7-day annualized Subaccount yield as of 08/31/2020 is -0.30%, which more closely reflects current earnings. (5) Bonds

High Yield Bond

-2.06

-4.41 1.93 5.32 05/03/2004

Voya High Yield Portfolio - Institutional Class - 1159 -3.94 0.96 3.90 Inflation-Protected Bond

1.48

2.57 2.03 2.09 02/10/1997

American Century Inflation-Adjusted Bond Fund - Inv Class - 1001 -4.16 -0.79 1.97 Intermediate Core-Plus Bond

-0.49

0.00 2.29 3.83 05/23/1973

Voya Intermediate Bond Portfolio - Class I - 004 -5.29 -2.53 2.84 Intermediate Government

-0.65

0.94 1.75 2.23 05/31/2007

JPMorgan Government Bond Fund - Class I Shares - 7732 -5.69 -4.69 1.53 World Bond

-1.89

-1.63 0.72 2.30 11/08/2004

Voya Global Bond Portfolio - Initial Class - 422 -4.67 0.16 2.90

Lifecycle

4.43

-0.78 4.44 7.67 04/29/2005

Voya Solution 2025 Portfolio - Initial Class - 790 (3) -2.23 3.77 5.72 5.53

-2.09 4.70 8.48 04/29/2005

Voya Solution 2035 Portfolio - Initial Class - 761 (3) -1.05 5.90 6.42 7.10

-1.89 4.89 9.04 04/29/2005

-2.29 4.84 9.08 03/08/2010

-0.07 3.42 5.05 04/29/2005

Voya Solution Income Portfolio - Initial Class - 767 (3) -3.60 0.99 4.07

Balanced

7.76

3.47 8.76 9.10 09/02/1986

Calvert VP SRI Balanced Portfolio - 101 -1.14 5.72 7.82 -2.59

-9.08 0.83 7.62 12/10/2001

(5)

5-Yr

Fund Inception Date Incept 1-Mo 6.78 1.28 8.75 11.45 01/24/1989

VY® T. Rowe Price Capital Appreciation Portfolio - Service - 788 -3.11 1.78 9.13 World Allocation

8.47 4.50

2.73 4.93 04/25/2013

Voya Global Perspectives® Portfolio - Class I - 3911 -3.82 1.33 5.63

Large Cap Value

Large Blend

1.59

-6.81 6.73 11.84 07/31/1952

American Funds Washington Mutual Investors FundSM-Class R-4 - 819 -0.72 2.35 9.28 14.59

3.50 11.38 13.98 08/27/1992

Fidelity® VIP Index 500 Portfolio - Initial Class - 131 1.74 9.42 12.11 11.60

4.83 12.84 13.72 08/31/1992

Parnassus Core Equity FundSM - Investor Shares - 2228 0.78 9.95 11.64 7.56

-1.03 8.65 11.95 12/31/1979

Voya Growth and Income Portfolio - Class I - 001 0.94 7.34 9.78 Large Value

-1.60

-10.42 3.34 10.03 10/09/1986

Fidelity® VIP Equity-Income Portfolio - Initial Class - 108 -1.56 2.06 6.20 -3.00

-11.45 5.03 11.48 07/02/1987

JPMorgan Equity Income Fund - Class I Shares - 3420 -0.54 3.31 7.42 -4.97

-14.48 1.57 10.43 07/25/1990

Pioneer Equity Income Fund - Class Y Shares - 1332 -2.10 1.06 6.13

Large Growth

28.97

16.63 15.50 15.03 12/01/1973

American Funds The Growth Fund of America® - Class R-4 - 572 3.25 13.44 14.59 29.55

19.55 15.35 14.42 01/03/1995

Fidelity® VIP Contrafund Portfolio - Initial Class - 133 3.10 13.75 13.75 24.53

14.98 17.01 16.59 05/03/2004

Voya Large Cap Growth Portfolio - Institutional Class - 742 1.04 11.65 15.61 30.88

20.49 17.47 17.58 11/28/1997

VY® T. Rowe Price Growth Equity Portfolio - Initial Class - 111 4.44 15.63 16.27

Mid-Cap Blend

-1.32

-9.61 2.96 10.19 08/02/1999

Invesco Oppenheimer Main Street Mid Cap Fund® - Class A - 1028 -2.20 2.13 4.75 1.90

-6.25 5.55 11.59 03/04/2008

Voya Russell™ Mid Cap Index Portfolio - Class I - 1560 -1.76 5.64 7.11 Mid-Cap Growth

16.32

9.81 12.31 13.52 05/05/2000

Voya MidCap Opportunities Portfolio - Class I - 081 -2.06 8.04 11.37 13.01

5.30 14.18 14.85 12/10/2001

VY® T. Rowe Price Diversified Mid Cap Growth Port - Initial - 449 -2.46 5.97 12.38 Mid-Cap Value

-5.61

-13.85 1.98 10.73 05/05/2000

Victory Sycamore Established Value Fund - Class A - 2798 -1.35 2.85 5.68 -7.08

-16.97 -0.13 9.75 05/01/2002

VY® American Century Small-Mid Cap Value Portfolio- Initial - 434 -1.18 2.93 4.61 -10.60

-18.65 -1.71 9.76 05/01/2002

VY® JPMorgan Mid Cap Value Portfolio - Initial Class - 429 -1.93 2.63 2.62 Small Blend

-0.47

-10.98 2.00 10.25 03/04/2008

Voya Russell™ Small Cap Index Portfolio - Class I - 1563 0.32 6.47 5.21 -5.95

-15.68 -1.31 9.46 12/27/1996

Voya Small Company Portfolio - Class I - 042 -0.85 3.52 3.39 Small Growth

5.00

-4.31 2.47 11.27 05/06/1994

Voya SmallCap Opportunities Portfolio - Class I - 080 -1.50 2.98 5.15 5.97 -5.20 9.06 12.95 05/03/1995 Wanger USA - 821 0.26 4.00 9.63 Small Value -6.34 -18.03 -0.31 9.20 05/01/1998

Franklin Small Cap Value VIP Fund - Class 2 - 073 -1.71 4.08 3.94 Specialty - Equity Prec Metals

12.68 06/29/2020 USAA Precious Metals and Minerals Fund - Class A Shares - E496 -6.85

-15.07

-18.51 -1.80 4.86 01/03/2006

VY® Clarion Global Real Estate Portfolio - Institutional - 1613 -1.90 3.23 0.97

6.71

-4.89 2.19 4.44 11/18/1996

Invesco Oppenheimer Developing Markets Fund - Class A - 190 -1.38 12.77 7.79 Foreign Large Blend

-0.63

-10.08 -0.78 4.69 03/04/2008

Voya International Index Portfolio - Class I - 1551 -0.50 4.60 2.42 Foreign Large Growth

11.69

0.05 3.64 6.64 04/16/1984

American Funds EuroPacific Growth Fund® - Class R-4 - 573 0.15 11.57 6.19 4.08

-4.48 2.46 6.17 03/15/2002

Invesco International Growth Fund - Class R5 - 8506 -1.22 8.95 4.57 Foreign Large Value

(6)

5-Yr

-4.87

-12.95 -3.64 3.28 01/03/2006

Voya Intl High Dividend Low Volatility Port - Initial Class - 1586 -0.33 2.77 0.05 World Large Stock

23.37

11.52 12.13 12.23 03/13/1973

American Funds New Perspective Fund® - Class R-4 - 818 3.45 15.74 12.24 18.71

5.26 8.97 11.22 05/01/2002

VY® Invesco Oppenheimer Global Portfolio - Initial Class - 432 1.77 11.52 9.66 World Small/Mid Stock

17.18

6.77 9.97 10.96 07/24/2002

American Funds SMALLCAP World Fund® - Class R-4 - 1445 -0.36 8.77 9.84

(7)

P E R F O R M A N C E U P D A T E

Voya Retirement Insurance and Annuity Company

SUNY Voluntary 403b - new enrollments

Variable Annuity Account C, Standardized Returns with a Deferred Sales Charge

(shown in percentages)

06/30/2020

Average Annual Total Returns as of:

These numbers reflect total Separate Account charges(0.30% for Voya Govt Money Market Portfolio I, and 0.95% for all other funds) on an annual basis and the applicable deferred sales charge, which declines over 10 years as follows: 5%, 5%, 5%, 5%, 5%, 4%, 4%, 3%, 3%, 2%. They also assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses.

Returns less than one year are not annualized. VAA Inception Date is the date on which contributions were first received in this fund under the Variable Annuity Account, and is the date used in calculating the periodic returns.

5-Yr

VAA Inception Date Incept 1-Mo Stability of Principal Money Market -4.20 -4.88 -0.62 0.17 09/30/1975

Voya Government Money Market Portfolio - Class I - 003 (2) -5.02 -5.06 -0.42

The 7-day annualized Subaccount yield as of 06/30/2020 is -0.30%, which more closely reflects current earnings. (5) Bonds

High Yield Bond

-6.50

-9.72 0.26 5.09 05/10/2006

Voya High Yield Portfolio - Institutional Class - 1159 -4.65 2.38 2.42 Inflation-Protected Bond

0.51

-0.64 1.39 1.93 05/11/2009

American Century Inflation-Adjusted Bond Fund - Inv Class - 1001 -3.89 -0.57 1.18 Intermediate Core-Plus Bond

0.81

-1.38 2.27 3.96 05/31/1978

Voya Intermediate Bond Portfolio - Class I - 004 -3.88 0.45 2.57 Intermediate Government

1.89 1.03

0.83 2.12 11/05/2012

JPMorgan Government Bond Fund - Class I Shares - 7732 -4.79 -4.41 1.58 World Bond

-4.74

-5.31 0.46 2.38 03/23/2005

Voya Global Bond Portfolio - Initial Class - 422 -3.59 0.93 1.86

Lifecycle

-2.86 5.40

-7.71 2.64 09/04/2012

Voya Solution 2025 Portfolio - Initial Class - 790 (3) -3.47 8.01 3.49

-4.55 6.12

-10.42 2.43 09/04/2012

-5.06 6.47

-11.51 2.16 09/04/2012

-5.29 5.91

-11.92 2.12 09/14/2012

-1.50 3.45

-4.82 2.30 09/04/2012

Voya Solution Income Portfolio - Initial Class - 767 (3) -3.81 3.95 2.74

Balanced

1.37

-5.04 6.13 8.36 05/31/1989

Calvert VP SRI Balanced Portfolio - 101 -2.97 8.99 5.10 -9.18

-14.11 -1.01 7.24 03/22/2005

VY® Invesco Equity and Income Portfolio - Initial Class - 452 -4.31 8.21 2.03 -0.22

-5.45 6.79 10.78 05/05/2005

VY® T. Rowe Price Capital Appreciation Portfolio - Service - 788 -4.98 7.70 7.32 World Allocation

(8)

5-Yr

2.98 3.48

-1.67 4.08 05/12/2014

Voya Global Perspectives® Portfolio - Class I - 3911 -3.01 9.24 3.84

Large Cap Value

Large Blend

-6.02

-13.61 4.89 11.42 05/03/2004

American Funds Washington Mutual Investors FundSM-Class R-4 - 819 -5.12 10.37 6.69 1.03

-8.44 7.70 12.81 05/31/1995

Fidelity® VIP Index 500 Portfolio - Initial Class - 131 -3.20 14.24 8.46

0.19 12.41

-7.40 8.76 09/28/2011

Parnassus Core Equity FundSM - Investor Shares - 2228 -2.87 11.71 8.41 -2.31

-10.51 5.40 10.94 05/01/1975

Voya Growth and Income Portfolio - Class I - 001 -2.94 13.94 6.22 Large Value

-9.47

-17.14 0.83 9.33 05/31/1994

Fidelity® VIP Equity-Income Portfolio - Initial Class - 108 -5.60 6.56 3.27

-11.61 5.00

-18.74 2.13 08/11/2014

JPMorgan Equity Income Fund - Class I Shares - 3420 -5.19 7.29 4.62

-12.12 7.39

-19.63 -0.14 09/17/2012

Pioneer Equity Income Fund - Class Y Shares - 1332 -5.02 9.59 4.26

Large Growth

9.54

1.15 11.30 13.56 05/03/2004

American Funds The Growth Fund of America® - Class R-4 - 572 -1.63 19.44 10.61 12.53

3.34 10.75 12.96 05/31/1995

Fidelity® VIP Contrafund Portfolio - Initial Class - 133 -1.67 18.81 9.28 11.59

0.75 13.49 15.30 06/18/2010

Voya Large Cap Growth Portfolio - Institutional Class - 742 -2.16 17.87 11.76 11.16

2.73 13.23 15.83 11/28/1997

VY® T. Rowe Price Growth Equity Portfolio - Initial Class - 111 -1.42 20.99 12.33

Mid-Cap Blend

3.85 05/15/2020 Invesco Oppenheimer Main Street Mid Cap Fund® - Class A - 1028 -5.29

-8.43

-14.27 2.61 10.85 05/15/2008

Voya Russell™ Mid Cap Index Portfolio - Class I - 1560 -3.39 18.01 4.18 Mid-Cap Growth

4.81

-1.28 8.58 12.63 08/02/2001

Voya MidCap Opportunities Portfolio - Class I - 081 -2.87 19.46 8.04 3.43

-3.25 11.56 14.16 12/26/2002

VY® T. Rowe Price Diversified Mid Cap Growth Port - Initial - 449 -2.64 23.57 9.52 Mid-Cap Value

-13.67 4.11

-19.63 -0.23 05/19/2016

Victory Sycamore Established Value Fund - Class A - 2798 -4.05 14.12

-15.45 8.46

-22.72 -3.08 09/19/2011

VY® American Century Small-Mid Cap Value Portfolio- Initial - 434 -4.20 10.97 2.19

-19.01 5.71

-23.91 -3.96 09/14/2012

VY® JPMorgan Mid Cap Value Portfolio - Initial Class - 429 -4.00 11.88 0.34 Small Blend

-12.45

-17.88 -0.97 9.25 05/15/2008

Voya Russell™ Small Cap Index Portfolio - Class I - 1563 -1.78 18.78 1.92 -15.81

-21.36 -4.18 8.64 05/30/1997

Voya Small Company Portfolio - Class I - 042 -3.47 16.09 0.84 Small Growth

-6.76

-10.21 0.06 10.59 08/03/2001

Voya SmallCap Opportunities Portfolio - Class I - 080 -3.37 22.24 2.43 -4.85 -12.68 5.72 12.08 05/03/2004 Wanger USA - 821 -4.21 19.97 6.22 Small Value -13.36 -22.83 -2.88 8.46 08/31/2001

Franklin Small Cap Value VIP Fund - Class 2 - 073 -2.03 16.53 1.37 Specialty - Equity Prec Metals

-1.95 06/29/2020 USAA Precious Metals and Minerals Fund - Class A Shares - E496

-17.68

-22.83 -2.97 5.20 09/05/2008

VY® Clarion Global Real Estate Portfolio - Institutional - 1613 -2.25 5.97 -0.73

-7.87

-13.84 1.37 4.16 02/21/2001

Invesco Oppenheimer Developing Markets Fund - Class A - 190 2.16 11.99 2.29 Foreign Large Blend

-10.66

-15.73 -2.07 4.66 05/13/2008

Voya International Index Portfolio - Class I - 1551 -1.98 9.97 -0.13 Foreign Large Growth

-3.28

-10.14 1.65 6.09 05/03/2004

American Funds EuroPacific Growth Fund® - Class R-4 - 573 0.21 16.25 2.49

-7.47 3.45

-13.21 -0.15 11/30/2012

Invesco International Growth Fund - Class R5 - 8506 -1.01 11.69 0.94 Foreign Large Value

-14.06

-18.37 -5.26 3.13 04/25/2008

Voya Intl High Dividend Low Volatility Port - Initial Class - 1586 -3.62 5.52 -2.60 World Large Stock

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5-Yr

VAA Inception Date Incept 1-Mo 4.18 -4.37 7.99 10.93 05/03/2004

American Funds New Perspective Fund® - Class R-4 - 818 -0.76 17.28 7.98 0.40

-7.00 5.75 10.30 03/22/2005

VY® Invesco Oppenheimer Global Portfolio - Initial Class - 432 -1.48 19.66 5.59 World Small/Mid Stock

4.43

-3.45 7.20 10.24 05/15/2008

American Funds SMALLCAP World Fund® - Class R-4 - 1445 -1.64 24.95 6.12

Additional Notes

(1)The current rate for the Voya Fixed Account MC 901, Fund 4993 is 3.00%, expressed as an annual effective yield. The current rate may change and be higher or lower than the previously identified rate but is guaranteed not to be less than 3.00%. 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.

Contract certificates issued prior to 09/01/04 have available: Voya Fixed Account - Pre 09/01/2004 (4992), Voya Short Term Guaranteed Accumulation Account (4994), and Voya Long Term Accumulation Account (4995). Contract certificates issued on or after 09/01/04 have available: Voya Fixed Account (4993), Voya Short Term Guaranteed Accumulation Account (4996) and Voya Long Term Accumulation Account (4997).

The current rate for the Voya Short Term Guaranteed Accumulation Account (4996) is 3.00%, expressed as an annual effective yield, and is guaranteed between 09/01/2020 and 09/29/2023.

The current rate for the Voya Long Term Guaranteed Accumulation Account (4997) is 3.00%, expressed as an annual effective yield, and is guaranteed between 09/01/2020 and 09/30/2025.

Deposits received from 09/01/2020 through 09/30/2020 will receive this rate of interest. The annual rate of interest applied to your account may be higher or lower than the current rate. Contract certificates issued prior to 09/01/04 have available: Voya Short Term Guaranteed Accumulation Account 4994 and Voya Long Term Accumulation Account 4995. Contract certificates issued on or after 09/01/04 have available: Voya Short Term Guaranteed Accumulation Account 4996 and Voya Long Term Accumulation Account 4997. (2)YOU COULD LOSE MONEY BY INVESTING IN THE FUND. ALTHOUGH THE FUND SEEKS TO PRESERVE THE VALUE OF YOUR INVESTMENT AT $1.00 PER SHARE, IT CANNOT GUARANTEE IT WILL DO SO. AN INVESTMENT IN THE FUND IS NOT INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENT AGENCY. THE FUND'S SPONSOR HAS NO LEGAL OBLIGATION TO PROVIDE FINANCIAL SUPPORT TO THE FUND, AND YOU SHOULD NOT EXPECT THAT THE SPONSOR WILL PROVIDE FINANCIAL SUPPORT TO THE FUND AT ANY TIME.

(3)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.

The Voya Solution / Target Date PortfoliosSM are actively managed and the asset allocation adjusted over time. The portfolios may merge with or change to other portfolios over time. Refer to the prospectus for more information about the specific risks of investing in the various asset classes included in the The Voya Solution / Target Date PortfoliosSM.

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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.

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

(5)The current yield reflects the deduction of all charges that are deducted from the total return quotations shown, except the maximum 5% deferred sales charge.

The deferred sales charge (DSC) applies to amounts withdrawn from the Voya Fixed Account, and to amounts withdrawn from the variable investments options and Voya Guaranteed Accumulation Accounts only if such amounts were attributable to amounts held in the Voya Fixed Account during the first 10 years of a participant's account with Voya. The deferred sales charge is also waived for certain circumstances as described in the prospectus and/or contract certificate.