I am providing my informed consent to the electronic delivery by Voya Financial ("Voya") of regulatory, transactional, and educational information, including Voya specific information and the Voya Privacy Notice, relating to my retirement plan account(s) (collectively, "Documents") via the World Wide Web, and further agree that I have carefully read the information below and fully understand it. I understand that this consent will apply to certain Documents (both current and future) that are related to the selected retirement plan account(s) and for which Voya makes electronic delivery available. I hereby agree to the conditions outlined below concerning electronic delivery, and further understand that my use of Voya's website ("Site") is subject to the legal conditions posted and available on the Site.

Electronic Delivery of Documents and Notice
For purposes of receiving electronic delivery of Documents, I understand that I must elect to receive notice of the availability of Documents at the designated e-mail address I provide, and that the most recent versions of these Documents will be available on the Site or provided directly to me at my designated e-mail address. I acknowledge that I have the right to receive a paper copy of a Document free of charge by calling my retirement plan's toll free phone number and requesting it from the customer contact center, or by submitting a request in writing.
When a notice is delivered to my designated e-mail address, the notice will provide me with a link to the Site, and after logging on, I will be able to access the Site where the Documents are posted and from where they can be viewed and printed.
In order to receive timely notices concerning the Documents, I agree to immediately notify my retirement plan of any change to my designated e-mail address, either through the electronic delivery section of the Site, by calling my retirement plan's toll free phone number, or in writing. Notices sent to my designated e-mail address shall be deemed delivered to me until notice of a change of my designated e-mail address is received by my retirement plan.
If a notice sent to my designated e-mail address is returned or otherwise determined to be undeliverable, I understand that my retirement plan will commence sending all Documents to me by United States mail as soon as administratively practical, and the Documents will continue to be sent to the Site for me to access in the meantime. If I wish to resume electronic delivery, I may update my designated e-mail address on the Site or call my retirement plan's toll free phone number

Changes, Revocation and Duration of Consent
I understand that my consent to electronic delivery is effective until further notice by Voya or my retirement plan, or until such time that I revoke it. I understand that Voya and/or my retirement plan may discontinue the electronic delivery program in whole or in part at any time, and that my participation in the electronic delivery program may be subject to the approval of my retirement plan sponsor. I understand that I may change my electronic delivery preferences through the electronic delivery section of accessible on the Site or in writing, and that I may revoke my consent to electronic delivery through the electronic delivery section of the Site, by calling my retirement plan's toll free phone number, or in writing.

Paper Copies
I acknowledge that I may request paper copies of any Documents free of charge at any time by calling my retirement plan's toll free phone number or by making the request in writing.

Fees
Electronic delivery is provided free of charge.

Employer E-mail Addresses
I understand that if I elect to use an e-mail address provided by my employer, it is my responsibility to determine whether my employer permits me to receive e-mails from third parties.

Hardware/Software Requirements
I understand that in order to receive electronic delivery of Documents, I must have access to a computer with Internet access, a valid e-mail address (where applicable), the ability to download PDF files using Adobe Acrobat (Adobe Acrobat is available for download at no cost through a link provided on Voya's website) and a printer or other device to download and print or save any Documents I wish to retain. I acknowledge that I have the ability to view Documents via both PDF and HTML. PDF documents may be saved by selecting the Save icon from the Adobe Acrobat menu. HTML documents may be saved by clicking on your browser's file menu. Voya will notify me of any changes in the hardware and software requirements needed to access electronic documents.