Planning for retirement doesn’t have to be difficultAll you have to do is call us back.

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

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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.

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We’re here to help.Recently, you may have spoken to someone at Voya FinancialTM (Voya) about rolling over your employer-sponsored 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.

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“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.

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

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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.

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?

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“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.

“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.

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“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 50s1. 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.

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

Voya Financial AdvisorsOne Orange WayWindsor, CT 06095888-681-3153

163923 3023570.I.P-2 © 2014 Voya Services Company. All rights reserved. CN0620-19266-0716

Voya.com

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.

Take control of where your dollars are investedVoya 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

* 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.

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

* 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.

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.

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.

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

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.

Voya.com

167164 3026973.I.P-3 © 2014 Voya Services Company. All rights reserved. CN0416-9419-0515

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 PortfoliosSM and Voya Solution 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 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.