Participant Disclosure

The document below contains important information regarding the fees associated with your Plan and the investments in your Plan. This material is updated on a regular basis so check back often to keep yourself informed of the Plan's current expenses. For a better understanding of the investment and Plan terms contained in this material you can visit the glossary at the top of the page.

For helpful information about reading this report, please see our 'Participant Guide to Understanding Fee Disclosure' at: http://www.voya.com/erisa-fee-disclosure.