Investment Performance

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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, or in the case of Roth contributions, tax free, with an option to receive a stream of income at a later date. Early withdrawals may be subject to surrender charges, and if taken prior to age 59 1/2, a 10% IRS penalty may apply. Taxes are due upon withdrawal of tax-deferred assets; 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 of 0.20% on an annual basis. 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. 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 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.
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 Government Money Market Portfolio - Class I - 003 (1) Stability of Principal 0.27 0.80 2.36 3.26 4.05 3.31 2.00 01/01/1980
Voya Fixed Plus Account II A - 4572 (2)(4) Stability of Principal 0.13 0.39 1.16 1.55 1.55 1.39 1.39
Voya Intermediate Bond Portfolio - Class I - 004 Bonds -2.96 -3.90 -2.80 -1.86 4.76 -0.46 1.49 05/23/1973
Voya Balanced Income Fund - Class I - 1207 Balanced -1.99 -1.28 3.68 5.25 11.89 5.26 6.15 04/28/2006
Voya Large Cap Value Fund - Class A - 3250 Large Cap Value/Blend -3.16 -0.87 9.77 14.34 16.56 10.83 11.10 12/18/2007
Fidelity® VIP Contrafund Portfolio - Initial Class - 133 Large Cap Growth 1.13 -0.28 10.42 13.48 25.78 14.08 16.07 01/03/1995
Voya Large Cap Growth Portfolio - Institutional Class - 742 Large Cap Growth 2.42 -0.08 8.53 9.46 24.20 11.34 15.46 05/03/2004
Voya Index Plus MidCap Portfolio - Class I - 053 Small/Mid/Specialty -3.56 -4.42 12.30 14.57 16.00 8.56 9.76 12/16/1997
Voya MidCap Opportunities Fund - Class A - 428 Small/Mid/Specialty -0.80 -5.37 5.59 0.32 11.81 2.66 10.03 08/20/1998
Lord Abbett Series Fund Mid Cap Stock Portfolio - Cl VC - 075 Small/Mid/Specialty -4.22 -6.00 6.81 9.13 13.31 7.73 7.46 09/15/1999
VY® American Century Small-Mid Cap Value Portfolio- Service - 440 Small/Mid/Specialty -6.54 -3.46 9.84 9.48 11.41 6.30 8.45 05/01/2002
Voya Global High Dividend Low Volatility Prtf - Class I - 3056 Global / International -3.43 3.44 9.83 11.72 16.46 9.84 9.37 03/05/2015

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 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 of 0.20% on an annual basis. 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.
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 Government Money Market Portfolio - Class I - 003 (1) Stability of Principal 0.27 0.80 2.36 3.26 4.05 3.31 2.00 09/30/1975
Voya Intermediate Bond Portfolio - Class I - 004 Bonds -2.96 -3.90 -2.80 -1.86 4.76 -0.46 1.49 05/31/1978
Voya Balanced Income Fund - Class I - 1207 Balanced -1.99 -1.28 3.68 5.25 11.89 5.26 6.15 04/03/1989
Voya Large Cap Value Fund - Class A - 3250 Large Cap Value/Blend -3.16 -0.87 9.77 14.34 16.56 10.83 11.10 09/16/2013
Fidelity® VIP Contrafund Portfolio - Initial Class - 133 Large Cap Growth 1.13 -0.28 10.42 13.48 25.78 14.08 16.07 05/31/1995
Voya Large Cap Growth Portfolio - Institutional Class - 742 Large Cap Growth 2.42 -0.08 8.53 9.46 24.20 11.34 15.46 06/18/2010
Voya Index Plus MidCap Portfolio - Class I - 053 Small/Mid/Specialty -3.56 -4.42 12.30 14.57 16.00 8.56 9.76 05/04/1998
Voya MidCap Opportunities Fund - Class A - 428 Small/Mid/Specialty -0.80 -0.91 07/17/2026
Lord Abbett Series Fund Mid Cap Stock Portfolio - Cl VC - 075 Small/Mid/Specialty -4.22 -6.00 6.81 9.13 13.31 7.73 7.46 07/26/2001
VY® American Century Small-Mid Cap Value Portfolio- Service - 440 Small/Mid/Specialty -6.54 -3.46 9.84 9.48 11.41 6.30 8.45 05/02/2002
Voya Global High Dividend Low Volatility Prtf - Class I - 3056 Global / International -3.43 3.44 9.83 11.72 16.46 9.84 9.37 03/06/2015

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.

Not all investment options are available under all contracts, plans or jurisdictions.

(1) 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 A BANK ACCOUNT AND IS NOT INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENT AGENCY. THE FUND'S SPONSOR IS NOT REQUIRED TO REIMBURSE THE FUND FOR LOSSES, AND YOU SHOULD NOT EXPECT THAT THE SPONSOR WILL PROVIDE FINANCIAL SUPPORT TO THE FUND AT ANY TIME, INCLUDING DURING PERIODS OF MARKET STRESS.

(2) 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.

(3) The current yield reflects the deduction of all charges that are deducted from the total return quotations shown.

(4) The current rate for the Voya Fixed Plus Account II A MC 945, Fund 4572 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 12/31/2026. 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.