Personal Transition GuideVoya Financial Lifeline Program

Dear Valued Customer,

Welcome to the Voya Financial Lifeline Program. Your life is full of many transitions, and our goal is to make them easier for you.

Our unique program offers many benefits and services to assist you during times of change.

Your Personal Transition Account packet includes four items to help you with your transition:

1 Personal Transition Guide will help you with: •TransitionAccountInformation:whichoutlinesthemany

advantages of our program •ResourceInformation:providedtohelpyouwiththeplanning

needed during your life transitions •VoyaFinancial’sPrivacyPromise •BeneficiaryForm:completethisformandreturnintheenvelope

provided 2 Draftbook and cover 3 Account Confirmation: including your account number, opening

balance, and your credited interest rate 4 Business Reply Envelope: for your beneficiary form

Please contact us if you are missing any of these items.

Ifyouarenotcurrentlyworkingwithafinancialprofessional,weproudlyofferyoutheservicesofourfinancialprofessionals.Theyarereadytowork with you to help make informed financial decisions. Should you have anyquestions,ourFinancialLifelineTeamwillbehappytoassistyou.Please take the time to review your account information and feel free to contact us at any time at 800-625-7440.

We look forward to providing you the personalized service you deserve.

Sincerely,

YourVoyaFinancialLifelineTeam

TransitionaccountinformationBenefitsofyouraccount ..........................................................................................3

Termsandconditions– how your account works ..........................................................................................4

Investingyourproceeds ...........................................................................................8

ResourceinformationLocating important personal and financial documents .........................................................................................10

Keeping your monthly budget ............................................................................... 11

Planning your retirement income .......................................................................... 11

Determine a financial strategy ...............................................................................12

Loss of a loved one...................................................................................................13

Keep a list of key contacts.. .................................................................................... 17

Voyafinancial’sprivacypromise ...........................................................................19

Beneficiaryform........................................................................................................ 23

Helpful resources ..................................................................................................... 25

Helping you through life’s many transitions

Transition Account Information

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Benefits of your Voya Financial Personal Transition AccountConvenienceYou have immediate access to your proceeds, which start earning interest from the day your account is established. No fees are charged to your account, or for writing or reordering drafts.1

Features•ACH–Youmayestablish

electronic funds transfer.•Point-of-sale–Yourdraftsare

accepted at point-of-sale with merchants.

•Accesstoyouraccount–information at your fingertips via our website: http://financiallifeline.voya.com

•InteractiveVoiceResponse(IVR)– will easily guide you to your call destination and is available 24 hours, 7 days a week.

CommunicationsYou will receive your account statementsshowingyouraccount’sactivities and interest credited.Asanextrabenefitweprovideaquarterly complimentary newsletter which features articles on a variety of timely topics and current news.

ResourcesYou may want to contact our Customer Service Center for specific inquiries regarding this programandyouraccount.Aspart of this program, you have professional resources available to you. Please consider taking advantage of our Financial Guidance provided by Voya FinancialAdvisors,Inc.,ifyouarenot already working with a financial professional.

Interest rateYour account earns a guaranteed minimum interest rate.2 Interestiscompounded daily and credited monthlytoyouraccount.Interestispaid from the day of deposit to the day of withdrawal.

1 As they are drawn on the insurance company and not on a bank, these instruments are technically “drafts” and not checks.

2 The insurance company that issued the policy from which the lump sum is paid guarantees that the Voya Financial Personal Transition Account balance will earn at least 0.50% annually. Voya Financial may, however, credit the account with a higher rate. The Account Confirmation will state the rate being earned by the account. Accounts established prior to 1/01/2012 will continue to earn at least the guaranteed minimum interest rate of 1.50%. The interest rate guarantee is based on the claims-paying ability of the insurance company. The current credited rate and the guaranteed minimum interest rate are each expressed as an annual percentage yield based on daily compounding. Each day the account accrues an amount of interest that is credited to principal. When annualized, those daily accruals will yield the credited interest rate. The company looks to its general account investments as a source of earnings. The Voya Financial Lifeline Program benefits the company by facilitating the retention of assets in the company’s general account, and the company seeks to earn a profit from the Program. The time period over which the company may benefit from amounts payable to a Lifeline’s accountholder are within the accountholder’s control. An accountholder may choose to draw on the full account balance immediately or maintain all or a portion of his account balance with the Program indefinitely.

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Effective dateYour Voya Financial Personal TransitionAccountiseffectivefromthe day it is established.1

Additional depositsDeposits to this account are not permitted.Theaccountisfundedsolely from the proceeds of the Voya Financial insurance policy or contract.

Beneficiary designationWeunderstandit’simportantforyou to be able to change the disposition of your account.•Namingabeneficiary–toname

a beneficiary or beneficiaries, completetheBeneficiaryDesignation Form included in this guide and return it in the envelopeprovided.Note:Thedesignated beneficiary on the original policy does not carry over to this account.

•Changingabeneficiary–youmay change your beneficiary designation at any time by notifyingusinwriting.Abeneficiary confirmation will be sent to you.

IfyouneedanadditionalBeneficiaryDesignationForm,please contact our Customer ServiceTeamatthenumberlistedon the following page or you may access the form on our website at http://financiallifeline.voya.com.

Therateofinterestissubjecttochange no more than twice in any twelve-month period and any decrease in the interest rate will not occur less than one year since the last change.

Time With the Voya Financial Lifeline Program you do not need to make immediate decisions. We encourage you to take the time you need to make informed financial decisions, knowing your account proceeds are secure.

Terms and conditions – how your Voya Financial Personal Transition Account works Ownership rightsTheownerofthisaccountisthepayee of the insurance proceeds under a contract issued by the insurance company and is listed onyourAccountConfirmationanddraftbook.Theownermaywrite drafts against the account, transferfundsandexerciseallrights provided by this program orallowedbyVoyaFinancial.Theowner may not be changed.

1 It is the obligation of the insurer to pay the total policy or contract proceeds which is satisfied by depositing the total proceeds in a retained asset account.

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Death of ownerTypically,uponnotificationoftheowner’sdeath,theaccountbalancewill be paid to the beneficiary designated.

Iftheaccountownerdieswithoutnaming a beneficiary, the account balance will be paid to the owner’s estate.

Address and phone changesInordertosendstatementsandprovide timely customer service, it’simportantforustohaveyourcurrent address and phone number. For your protection, we provide address change confirmation to both your new and old addresses. Please be sure to let us know if there is a change.

Fraud preventionWe take fraud prevention seriously and make every attempt to authenticate and clear each draft. For your protection and benefit, please sign your Voya Financial PersonalTransitionAccountdraftsthe same way you signed the originalclaimform.Inmostcases,our personal transition account packet is delivered via UPS in lieu of U.S. Mail and has a tracking number for security reasons.

As a Financial Lifeline Customer you have access to the following:Hours of Operation: Customer Service Representatives are available 8:00 a.m. to 7:00 p.m. EST, Monday through Friday

Customer Service: 800.625.7440

Experiencedprofessionalswillanswer your questions about your VoyaFinancialPersonalTransitionAccount,includingtheaccount’sterms and conditions and naming or changing beneficiary information.

Voya Financial Lifeline Website: http://financiallifeline.voya.com

Voya Financial Lifeline Program P.O. Box 535405 Pittsburgh, PA 15253-5405

Financial Guidance: 866.906.1362 Option 3

We encourage you to consult afinancialprofessionalortaxadvisor before making any decisions.Ifyoudonothaveanadvisor and would like assistance fromanexperiencedfinancialprofessional, call the number listed above. Voya Financial will provide you with the personalized guidance you need to make informed decisions.

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RestrictionsVoya Financial does not allow this account to be used to pay bills over the phone or to make wire transfers to other accounts or vendors.

Voya Financial does not issue cashier checks.

FeesTheprocessingbankwillchargethe following nominal fees:

•$15foreachstoppayment•$5percopyofdraft•$10fordraftsreturnedfor

insufficient funds•$10percopyofstatement

Theprocessingbankwillreturndrafts for the following reasons:

•Insufficientfunds,altereddrafts,missing payee information, missing accountholder signature, and signatures that do not match the accountholder’ssignatureonfile.

•Researchcostsareappliedonanhourly basis

•Feessubjecttochange

Accessing fundsToaccessfundsfromyouraccount, simply use your Voya FinancialPersonalTransitionAccountdraftbook.Youmaypaybills by writing a draft, withdraw cash by writing a draft payable to yourself, or establish electronic fund transfers to other accounts1. Therearenolimitsonthenumberof drafts you can write from your account.Apersonalizedreorderform is included with your draftbook if you need to reorder drafts. You may choose to draw on the entire proceeds immediately by writing a draft for the full account balance.

Minimum balance requirementOnce the available balance falls below$1,500,theaccountwillbeclosed and a check for the account balance and final interest will be sent to you at the end of the month.

Challenges we’ve helped our customers with:•Iamafirst-timeinvestor.WheredoIturnforhelpandtrusted

financial guidance?•HaveImadetherightinvestmentchoices?•HowcanIdefertaxesonmyinvestments?•CanIaffordtosendmychildrentocollege?•WillIbeabletoaffordtoretire?•HowcanIbesuremyheirswillgetmostofmyestate?

1 There may be delays in processing transactions if a draft is completed improperly or if any other requested transaction is not in good order as determined by Voya Financial.

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Closing the accountYou may close your account at any time. Please consider all your options before doing so, as legal regulations prohibit the reopening of any closed accounts.

AssignabilityAssignmentofyourVoyaFinancialPersonalTransitionAccountisnotpermitted.

Change in terms and conditionsVoya Financial reserves the right to terminate this program, and make changes to its terms and conditions(otherthantheminimuminterestrateguarantee).Wewillprovide prior notice of any material changes.

Account statementsYou will receive a statement for each month that you have activity in your account other than credited interest. Otherwise, you will receive a quarterly statement if you do not have activity in your account. You also have the option to sign up for E-statements if you do not want to receive paper statements in the mail. E-statements eliminate the chance of paperwork being lost, provide “real-time” account activity and offer the convenience of having all your information at your fingertips whenever you would like. Imagesofyourdraftsareincludedwith your statement. Cancelled draftsarealsokeptonfile.Intheevent you need a cancelled draft, Voya Financial should be contacted and a copy of the actual draft will be forwarded at the fee previously disclosed.

TaxesWewillsendyoua1099-INTformin January showing the amount of interest earned on your Voya FinancialPersonalTransitionAccount.Consultwithyourtaxadvisorregardingyourtaxliability.

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Investing your proceedsFor Financial Guidance, please call 866.906.1362 Option 3.

With so many financial products onthemarket,it’seasytofeeloverwhelmed. Planning your family’sfinancialfuturecanbeadifficult task. We encourage you to consult your financial professional ortaxadvisorbeforemakinganydecisions.

Ifyoudon’thaveanadvisorandwould like assistance from an experiencedfinancialprofessionalwho will provide the personalized guidance that you may need to make informed decisions, please call the number listed above. Our financial professionals are ready to help you develop a financial strategy suited to your unique needs and will work with you at your pace to evaluate your options.1AsaVoyaFinancialLifeline Customer, you will have personalized, professional financial guidance.InaccordancewithVoyaFinancial’sPrivacyPromise,yourprivacy will be respected to the full extentrequiredbylaw.

Maintaining your accountWe will maintain your account and periodically request that you confirm your intent to continue your account.Ifyoudonotaffirmativelyconfirm your intent to keep your account active and if there is no financial activity with your account (excludingcreditedinterest)orother customer initiated activity for a period of 18 months, we will closeyouraccount.Inthisevent,if we are unable to locate you, we are required by law to pay any remaining funds over to the state government in which your account was established.

1 Securities and investment advisory services offered through various Broker/Dealers including Voya Financial Advisors, Inc. (member SIPC)

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Resource Information

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Locating important personal and financial documentsIt’simportanttohaveyourpersonaland financial documents located inaplacethat’seasilyaccessibleintheeventofanexpectedoranunexpectedlifeevent.Ifyouhaven’talreadydoneso,setsometime aside to locate important documents. Once you have them on hand, we encourage you to consolidate them in one location, such as a file cabinet, folder or safe-depositbox.

1 A death certificate is needed to establish legal proof of death and establish claims for life insurance, annuity contracts, Social Security benefits, etc. It can be obtained for a nominal fee from the vital statistics office of the city in which the death occurred, or the funeral director may arrange to obtain copies for you. You’ll need to submit an original with various claims. It must be certified with a raised or in-color registrar’s seal to be valid. Photocopies will not be accepted.

Financial documentsInsurancepolicies:life,health,

disability, property/casualty, automobile, etc.

Savings and checking account books

TrustagreementsBusinessagreements Notes payable and receivable Financial statements for stocks,

bonds and other investmentsIncometaxreturns Earnings records, W-2 forms Credit card accounts

Property informationRealestatemortgages

or rental agreementsPropertytaxinformationAutomobileregistration Large purchase installment

payment books

Personal RecordsMarriagecertificate(s)Birthcertificates Social Security numbersLastWillandTestament Death certificate1

Once you have gathered these documents, create a folder or file (storing in fire safe file is best) for easy access to needed information.

Tip

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Planning your retirement incomeWhen planning your retirement budget,you’llneedtoconsiderretirement benefits, savings and investments, and perhaps different expenses.

Whenthinkingaboutexpenses,consideryourdreams–doyouwant to travel or buy that boat you’vealwayswanted?Don’tgiveup those dreams, but keep a reality checkinplace.You’llalsoneedto consider potential health care costs.

Inaddition,asyouplanforyourretirement income, consider when youplantoretire.Asaruleofthumb, plan for a longer period in retirement than you might have guessed.Expertstellusthatweare living longer than in years past, and may need to have retirement income last 20 or 30 years into the future! We encourage you to consider these facts when planning for your retirement income.

Keeping your monthly budget currentRe-evaluateyourbudgetonaregular basis, but always when a life transition occurs such as the birth of a child, saving for college education, marriage, retirement, or loss of a loved one.

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Determine a financial strategyFinancial goals and strategies are as diverse as the people consideringthem.Thestrategiesyou choose will depend on your personal status, financial situation, and short and long term goals. We encourage you to discuss your strategieswithanexperiencedfinancialprofessional.Ifyoudon’thave one, call 866.906.1362 option 3 and Voya Financial will direct you to a financial professional who will help you evaluate your needs, and develop a financial strategy that reflects your individual goals.1

Best practices when approaching financial goals1. Set measurable goals.

2. Understand the effect your financial decisions have on other financial issues.

3.Re-evaluateyourfinancialgoalsperiodically.

4.Startnow–don’tassumethatfinancial goals should be set when you get older.

5.Startwithwhatyou’vegot–don’tassumefinancialgoalsare only for the wealthy.

6.Takecharge–youareincontrolof your own financial goals.

7.Lookatthebigpicture–financialgoalsaremorethanjustretirementortaxplanning.

8.Don’tconfuseyourfinancialgoals with investing.

9.Don’texpectunrealisticreturnson investments.

10.Don’twaituntilamoneycrisisoccurs to begin setting your financial goals.

1 Securities and investment advisory services offered through various Broker/Dealers including Voya Financial Advisors, (member SIPC).

When looking for financial advice, stay away from professionals who:• Spend little or no time getting to know you and your financial objectives.• Guarantee you’ll make money on your investments.• Play down the risks associated with any investment.• Don’t clearly explain suggested investment options.• Are unclear about their fees and commissions.If ever in doubt, seek a second opinion and don’t commit to anything.

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Loss of a loved oneThereisnomoredifficulttransitionthan when a loved one dies. Amidthemanyemotionsyoumayexperienceafterthelossofa spouse or parent, close relative or friend, you may also feel overwhelmed by pressing financial and legal matters.

Ifyou’veexperiencedthedeathofaloved one, do what’s best for you.

Expertsadvisenottomakeanymajordecisionsaboutfinancialmatters too soon after the loss of a loved one. We encourage you to give yourself time to gather information and evaluate your options.Askforhelpandmakeinformed decisions that are in your best long-term interest.

Beware of fraud schemesConsumers lose billions of dollars each year to those who prey on vulnerable individuals who may bestrugglingwithgrief.You’llwant to be particularly cautious about the risk of being a victim of a fraud scheme, such as mail and phone solicitations for money or collections for products or home repairs supposedly purchased byyourlovedone.Don’tacceptresponsibility for these payments until you have verified the alleged transactions.

Identity fraudIdentityfraudisdevastatingandharmful–itmaytakemonths,ifnotyears,toclearyourrecord(s).Becarefulwhohasaccesstoyour information, including your Social Security number, credit card numbers,etc.Alwaysverifywhoyou are dealing with, especially on the phone, and provide your Social Securitynumberonlyifit’srequiredby law. When in doubt, ask to have a form mailed to you.

We encourage you to do what’s best for you – take the time you need to explore your options.

SignatureFor your own protection, sign all documents in the same manner. Thisincludestheuseofyourmiddle initial. Many institutions will delayorrejectyourrequestifyoursignature does not match other documents in their records.

When in doubt about the legitimacy of a vendor, contact your local Better Business Bureau or local consumer protection agency.

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Health insuranceIfyourlovedonecarriedhealthinsurance,you(orapersonalrepresentative)mayfileaclaimfor any medical bills associated with the care they received before death.Itiswisetosubmitclaimsassoon as possible.

Retirement plansYou may have been identified as a beneficiary of a retirement plan, suchasapensionplan,401(k),tax-deferred403(b)annuityoran individual retirement account (IRAorSEP-IRA).Ifso,you’llneedto contact the employer, plan administrator or an insurance company representative for more information.Ordinarilyyou’llbetaxedonincomeyoureceivefromtheseplans.Becausetaxationiscomplex,weencourageyoutoconsult a financial professional before you request payment.

PrivacyIt’simportanttounderstandhow your personal information is used or shared with others. We encourage you to review companies’writtenprivacynotices.Ifthenoticeisn’tclear,you have the right to talk to that company’srepresentativefamiliarwithconsumers’rightsundertheGramm-LeachBlileyAct.

Voya Financial takes your privacy very seriously. We share a commitment to protect your privacy and the confidentiality of your personal and financial information. For your convenience, VoyaFinancial’sPrivacyPromiseisincluded in this booklet, and will also be mailed to you on an annual basis.

Benefits you are eligible forUpon reviewing your personal andfinancialdocuments,you’llbeable to determine what possible benefits you are eligible for. While exactbenefitsvarybyindividual,typically they include the following:

Life insurance and annuity contractsIfyouwerenamedthebeneficiaryofalifeinsurancepolicyoratax-deferredannuity,you’llneedtosubmit a claim form and an official copy of the death certificate to theinsurancecompany.Althoughyoushouldalwaysconsidertaximplications when selecting a settlementoption,it’sespeciallyimportant to do so in the case of annuities.

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Social services and charitable organization benefitsIfyourlosspresentsanimmediatefinancial crisis, you may want tocontacttheRedCrossforemergency needs or your local social services department for supportandreferral.Insomecases,churches, social organizations or business clubs establish “hardship” fundsformembers’families.

Veteran benefitsIfyourlovedonewasaveteran,youmaybeeligibleforveteran’sbenefits. Eligibility varies depending on whether or not the death was due to a service-related cause, but may include lump sum deathbenefits,burialexpenses,financial aid for education, or other possiblesurvivor’sbenefits.Oftenthe funeral director will notify the DepartmentofVeteransAffairstorequest a claim form for you, but you may also contact the nearest DVAdirectly.

Employer benefitsYourlovedone’semployercanhelpyoudetermineifyou’reeligibleforanysurvivor’sbenefits.Inadditiontohelpingyoufilealifeor health insurance claim, they can determineyourlovedone’slevelof participation in the company credit union or profit sharing plan, whetheryou’reeligibleforunpaidincome, commissions, accrued vacation time, etc. You also want to ask about whether you or your dependents qualify for continued participation in health plans or other family coverages.

Membership or affiliated organizations benefitsPlease check if your loved one carried additional life insurance through a union, service organization, or professional association.Insomecases,theseorganizations may return unused portions of annual dues.

Creditor benefitsContact your credit card companies to find out if you have credit life insurance, which pays off credit card account balances in the event ofthedeathofacustomer.Ifyourloved one was disabled before death, you should check to see if you have credit disability insurance for which a claim can be filed.

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Social Security doesn’t start automatically. You must apply.

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Social security benefitsMany people think of Social Security as a retirement program. However, retirement benefits are justonepartoftheSocialSecurityprogram.

When someone who has worked and paid into Social Security dies, survivor benefits can be paid to certainfamilymembers.Theseincludewidows,widowers(anddivorcedwidowsandwidowers),children, and dependent parents.

You should apply for survivor’s benefits promptly because, in some cases, benefits may not be retroactive. You can apply by telephone or at any Social Security office.

Asyouadjusttothelossofalovedone and proceed with the healing process, don’t be afraid to ask for support.Avarietyofindividualsand organizations offer support, information and guidance. Your doctor, clergy or attorney may be able to suggest local resources.

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Keep a list of your key advisors for information resources AttorneyAnattorneycanprovideadviceonspecificlegalissues,includingdisposition of property, stocks and bonds, business assets, transferring titles of ownership, estate planning, trusts, and wills, etc. Legal rules apply totransferringpropertyofallkindsfromanestate,andcertaintaxesmayapply to these transfers.

Name

Address

City State Zip

Phone

E-mail

Appointments

Notes

Tax Advisor/AccountantYour accountant may be a trusted advisor whom you seek out to complete yourannualtaxesorforothertaxadviceasneeded.Youmayconsultataxadvisortoguideyouthroughfederalandstatetaxissuesrelatedtoincome or inheritance.

Name

Address

City State Zip

Phone

E-mail

Appointments

Notes

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Financial ProfessionalPlanningyourfamily’sfinancialfuturecanbeadifficulttask.Weencourageyoutoconsultyourfinancialprofessionalortaxadvisorbeforemaking any decisions. When looking for a financial professional, take time toevaluatehis/herexperience,reputation,affiliation,expertiseandabilitytointeractwithclients.YoucancontacttheFinancialIndustryRegulatoryAssociationat800.289.9999orgoonlinetowww.finra.orgtoverifythecredentials of registered advisors.

Name

Address

City State Zip

Phone

E-mail

Appointments

Notes

Trust OfficerATrustOfficerisanexpertinestatesettlementsandrelatedfinancial issues.Atrustisalegalagreementinwhichitscreatorgivesmoneyorproperty to a trust for the trustee to invest and manage for the advantage ofthebeneficiaries.Trustscanbeestablishedandfundedduringthelifetime(“livingtrust”)orcanbecreatedunderawill(“testamentarytrust”)andfundedatdeath.Ineithercase,itgivesalivingindividual the opportunity to have a say in the use of funds after his/her death.

Name

Address

City State Zip

Phone

E-mail

Appointments

Notes

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Notice of Changes to Privacy Practices

IntroductionofVoyaFinancial

InApril2013,INGU.S.revealeditsfuturenameandbrandidentity: Voya Financial. You will begin to see the new name during the second quarter of 2014 as we transition to Voya Financial according to the following schedule:

•OnApril 7, 2014,INGU.S.,Inc.,INGU.S.’spubliclylistedholdingcompany,changeditsnametoVoyaFinancial,Inc.

•OnMay 1, 2014,INGU.S.InvestmentManagementchangeditsnametoVoyaInvestmentManagementandourEmployeeBenefitsbusinessbegan using the Voya Financial brand.

•OnSeptember 1, 2014,allourotherbusinesses,includingINGU.S.RetirementSolutionsandourInsurancebusinesses,willbeginusingtheVoyaFinancialbrand.Atthispoint,allINGU.S.legalentitiesthatcurrentlyhavenamesincorporatingtheINGU.S.brandwillhavechanged their names to reflect the Voya brand.

Even though we have a new name, nothing changes with our commitment toservingyou.AsAmerica’s Retirement Company, our mission is to make asecurefinancialfuturepossible–oneperson,onefamily,andoneinstitution at a time.

Changes to privacy practices

Effective May 1, 2014,thisnoticedescribeshowINGU.S.,doingbusinessasVoyaFinancial(“Voya”),canuseanddiscloseyourpersonalinformation.

•Voyacanshareyourpersonalinformationwith our affiliates for our affiliates to market their products and services to you. You can limit this sharing by taking the action described in the attached Privacy Notice nexttotheheading“To limit our sharing”.

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FACTS WHATDOESVOYAFINANCIALDOWITHYOURPERSONALINFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? Thetypesofpersonalinformationwecollectandsharedependontheproductorserviceyouhavewithus.Thisinformation can include:•SocialSecuritynumberandaccountbalance•Assetsandtransactionorlosshistory•Investmentexperienceandemploymentinformation

How? Allfinancialcompaniesneedtosharecustomers’personal information to run their everyday business. Inthesectionbelow,welistthereasonsfinancialcompaniescansharetheircustomers’personalinformation; the reasons Voya chooses to share; and whether you can limit this sharing.

Reasonswecanshareyourpersonalinformation Does Voya share?

Can you limit this sharing?

Foroureverydaybusinesspurposes–suchastoprocessyourtransactions,maintainyouraccount(s),respond to court orders and legal investigations, or report to credit bureaus

Yes No

Forourmarketingpurposes–toofferourproductsand services to you

Yes No

Forjointmarketingwithotherfinancialcompanies No Wedon’tshare

Forouraffiliates’everydaybusinesspurposes–informationaboutyourtransactionsandexperiences

Yes No

Forouraffiliates’everydaybusinesspurposes–information about your creditworthiness

No Wedon’tshare

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you No No

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Tolimitoursharing

•Callourtoll-freenumber(855)685-9519–ourmenuwillpromptyouthroughyourchoice(s)

Please note:

Ifyouareanewcustomer,wecanbeginsharingyourinformation 30 days from the date we sent this notice.

When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions? Call the telephone number listed on your statements and other correspondence or go to http://ing.us/individuals/contact-us

Who we are

Who is providing this notice?

ThisnoticeisprovidedbycertaincompaniesownedbyVoyaFinancial,Inc.Alistofthesecompaniesisprovided at the end of this notice.

What do we do

How does Voya protect my personal information?

Toprotectyourpersonalinformationfromunauthorizedaccess and use, we use security measures that comply withfederallaw.Thesemeasuresincludecomputersafeguards and secured files and buildings.

How does Voya collect my personal information?

Wecollectyourpersonalinformation,forexample, when you•openanaccountorgiveusyourcontactinformation•applyforinsuranceorseekadviceaboutyour

investments•tellusaboutyourinvestmentorretirementportfolio

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Whycan’tIlimitallsharing?

Federal law gives you the right to limit only•sharingforaffiliates’everydaybusinesspurposes–

information about your creditworthiness•affiliatesfromusingyourinformationtomarkettoyou•sharingfornonaffiliatestomarkettoyou

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

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What happens whenIlimitsharing for an account Iholdjointlywith someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. Theycanbefinancialandnonfinancialcompanies.•OuraffiliatesincludecompanieswiththeVoyaname;financialcompaniessuchasReliaStarLifeInsuranceCompany; and nonfinancial companies such as Voya Services Company.

Nonaffiliates Companies not related by common ownership of control.Theycanbefinancialandnonfinancialcompanies.•Voyadoesnotsharewithnonaffiliatessotheycan

market to you.

Joint marketing

Aformalagreementbetweennonaffiliatedfinancialcompanies that together market financial products or services to you.•Voyadoesnotjointlymarket.

Other important information

We will comply with more restrictive state laws to the extent that they apply. If you live in an “opt-in” state such as Alaska, California or Vermont, we will obtain your affirmative consent to share your personal information with nonaffiliates who do not currently assist us in servicing your account or conducting our business. If you are a participant in a retirement plan sponsored by your current or former employer, we will not share your personal information to the extent prohibited by your plan sponsor.

Voya affiliates

This notice is provided by: Directed Services LLC, ING National Trust, Midwestern United Life Insurance Company, ReliaStar Life Insurance Company, ReliaStar Life Insurance Company of New York, Security Life Assignment Corp., Security Life of Denver Insurance Company, Voya America Equities, Inc. (ING America Equities, Inc.), Voya Capital Corporation, LLC (ING Capital Corporation, LLC), Voya Financial, Inc. (ING U.S., Inc.), Voya Financial Partners, LLC (ING Financial Advisers, LLC), Voya funds, Voya Funds Services, LLC (ING Funds Services, LLC), Voya Institutional Plan Services, LLC (ING Institutional Plan Services, LLC), Voya Institutional Trust Company, Voya Insurance and Annuity Company (ING USA Annuity and Life Insurance Company), Voya Investments, LLC (ING Investments, LLC), Voya Investments Distributor, LLC (ING Investments Distributor, LLC), Voya Retirement Advisors, LLC (ING Investment Advisors, LLC), Voya Retirement Insurance and Annuity Company (ING Life Insurance and Annuity Company)

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Voya personal transition accountholder’s information (Please fill out completely)

Name (Please print) Date

Account number

Social Security Number

Phone (Day)

Phone (Evening)

E-mail

Signature

If more than one primary beneficiary is named below, this amount will be transferred as specified to those beneficiaries surviving me, or to the last survivor, unless otherwise indicated. If no beneficiary survives me, ownership will be transferred to my estate. I reserve the right to change this designation. This designation replaces all previous designations.

Beneficiary designation

For more than one beneficiary, the total designation must equal 100%. Please use whole percentages only. If no percentages are specified, the proceeds will be divided equally among your designated beneficiaries. If you need more space or want to list more than three beneficiaries, please attach a separate sheet with the required information. Sign and date each additional sheet naming beneficiaries and attach it to the Beneficiary Designation Form.

I designate the following beneficiary(ies) to receive the proceeds of the Voya Personal Transition Account in the event of my death. This designation replaces and supercedes any prior designation:

Check this box if additional beneficiaries are listed on the back. Please include the same information requested here or attach a separate sheet.

Voya Financial Lifeline P.O. Box 535405, Pittsburgh, PA 15253-5405 800.625.7440

Beneficiary designation and change of personal information formFor your Voya Financial™ Personal Transition Account – proudly serving our customers

24 I

Beneficiary 1

(Name) Designation: %

Social Security Number: Date of birth

Relationship to accountholder

Address

City State Zip

Phone number

Beneficiary 2

(Name) Designation: %

Social Security Number: Date of birth

Relationship to accountholder

Address

City State Zip

Phone number

Beneficiary 3

(Name) Designation: %

Social Security Number: Date of birth

Relationship to accountholder

Address

City State Zip

Phone number

Change of personal information (Please indicate below)

Name Date

Address

City State Zip

I 25

Social Security AdministrationRe:SocialSecuritybenefitsPh: 800.772.1213www.ssa.gov

Internal Revenue ServiceRe:TaxinformationPh: 800.829.1040 www.irs.gov

Veterans AdministrationRe:Veterans’benefitsPh: 800.827.1000www.va.gov

American Red CrossRe:CrisisServicesCall your local chapter www.redcross.org

United WayRe:SupportservicesCall your local chapterwww.unitedway.org

Better Business BureauRe:VendorlegitimacyCall your local office www.bbb.org

State Bar AssociationRe:LegalreferralCall your local association

The Financial Industry Regulatory Association (FINRA)Re:Verifyingcredentialsof registered advisorsPh: 800.289.9999 www.finra.org

The above links are provided for your information only. Voya Financial does not endorse, nor accept any responsibility for the content, products and/or services provided at non-Voya Financial sites. Some information contained in the Voya Financial site is provided by third parties. We do not independently verify this information, nor do we guarantee its accuracy or completeness.

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Voya Financial Lifeline ProgramP.O.Box535405 Pittsburgh,PA15253-5405 Ph: 800.625.7440

http://financiallifeline.voya.com