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ACCOUNT C OF VOYA RETIREMENT INSURANCE & ANNUITY Co <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td colspan="2" style="border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">FEES, EXPENSES AND ADJUSTMENTS</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt; width: 25%">Are There Charges or Adjustments for Early Withdrawals?</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 3pt; width: 75%">Yes. If the Investor withdraws money from the Contract within ten (10) years following a specified date, the Investor can be assessed an early withdrawal charge equal to a maximum of 7% of the amount withdrawn. The specified date referenced in the preceding sentence can vary depending on the terms of the Contract, and will be either: (1) the date the individual account was established; (2) the date the Contract was established; or (3) the number of completed Purchase Payment Periods. For example, if you make an early withdrawal from a Texas K-12 Contract, you could pay a surrender charge of up to $7,000 on a $100,000 investment. This loss will be greater if there is a negative Market Value Adjustment, taxes, or tax penalties. If all or a portion of your Account Value is removed from the Guaranteed Accumulation Account before the end of a Guaranteed Term, we will apply a Market Value Adjustment, which may be negative and could cause a potential loss of up to 100% of your Account Value in the GAA. For example, you allocate $100,000 to the GAA with a 3-year Guaranteed Term and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment. This loss will be greater if you also have to pay a surrender charge, taxes, and tax penalties. A MVA may apply if you withdraw or transfer Account Value from the GAA, or upon payments due to the death of the participant, if paid more than six months following death (or disability, if applicable). See “<a href="#pro_004">FEE TABLE – Transaction Expenses</a>,” “<a href="#pro_004">FEE TABLE – Adjustments</a>,” “<a href="#pro_009">CHARGES, FEES AND ADJUSTMENTS - Transaction Fees - Early Withdrawal Charge</a>,” and “<a href="#pro_009">CHARGES, FEES AND ADJUSTMENTS – Market Value Adjustments</a>.”</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt/96% Arial, Helvetica, Sans-Serif; border: Black 1pt solid; padding: 3pt; width: 25%">Are There Transaction Charges?</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 75%">Yes. • In addition to the early withdrawal charge and Market Value Adjustments, the Investor may also be charged for other transactions. If you take a Contract loan from your Account Value, you may be subject to a Loan Initiation Fee not to exceed $125 per loan. • Certain Funds may impose redemption fees as a result of withdrawals, transfers or other Fund transactions you may initiate. See “<a href="#pro_004">FEE TABLE – Transaction Expenses</a>” and “<a href="#pro_009">CHARGES, FEES AND ADJUSTMENTS</a>.”</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td colspan="2" style="border: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif">FEES, EXPENSES AND ADJUSTMENTS (continued from previous page)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="border-right: Black 1pt solid; padding: 3pt; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; width: 25%">Are There Ongoing Fees and Expenses? </td> <td style="border-right: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 75%; text-align: justify">Yes. The table below describes the fees and expenses that you may pay each year, depending on the Investment Options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. A Loan Interest Rate Spread (which is the difference between the rate charged and the rate credited on loans under your contract) or an Annual Loan administration fee is charged until the loan is repaid. </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td rowspan="3" style="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; width: 25%"> </td> <td style="border-top: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 51%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Annual Fee</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; width: 12%; text-align: center">Minimum</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; width: 12%; text-align: center">Maximum</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="border-right: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid">Base Contract Expenses (varies by Contract class)</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">1.25%1,2</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">1.79%1,2</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="border-right: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; border-bottom: Black 1pt solid">Portfolio Company fees and expenses</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">0.27%</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">3.38%3</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt/96% Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt; width: 25%">Are There Ongoing Fees and Expenses? </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 75%">Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add surrender charges and negative Market Value Adjustments that substantially increase costs. </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td rowspan="6" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt/96% Arial, Helvetica, Sans-Serif; padding: 3pt; width: 25%"> </td> <td style="border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; width: 37%; text-align: center">Texas K-12 Contracts</td> <td style="border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; width: 38%; text-align: center">Texas K-12 Contracts</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; padding: 3pt">Lowest Annual Cost Estimate: $260</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">Highest Annual Cost Estimate: $2,512</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">All Other Contracts</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">All Other Contracts</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; padding: 3pt">Lowest Annual Cost Estimate: $262</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">Highest Annual Cost Estimate: $3,939</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 3pt">Assumes: • Investment of $100,000; • 5% annual appreciation; • No optional benefits; • No loans; • Fees and expenses of least expensive Fund; • No sales charges; and • No additional Purchase Payments, transfers or withdrawals.</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 3pt">Assumes: • Investment of $100,000; • 5% annual appreciation; • No loans; • Fees and expenses for the most expensive Fund; • No sales charges; and • No additional Purchase Payments, transfers or withdrawals.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td colspan="2" style="font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt"> See “<a href="#pro_004">FEE TABLE – Periodic Fees and Expenses</a>” and “<a href="#pro_009">CHARGES, FEES AND ADJUSTMENTS – Periodic Fees and Charges</a>.” </td></tr> </table> Are There Charges or Adjustments for Early Withdrawals?Yes. If the Investor withdraws money from the Contract within ten (10) years following a specified date, the Investor can be assessed an early withdrawal charge equal to a maximum of 7% of the amount withdrawn. The specified date referenced in the preceding sentence can vary depending on the terms of the Contract, and will be either: (1) the date the individual account was established; (2) the date the Contract was established; or (3) the number of completed Purchase Payment Periods. For example, if you make an early withdrawal from a Texas K-12 Contract, you could pay a surrender charge of up to $7,000 on a $100,000 investment. This loss will be greater if there is a negative Market Value Adjustment, taxes, or tax penalties. If all or a portion of your Account Value is removed from the Guaranteed Accumulation Account before the end of a Guaranteed Term, we will apply a Market Value Adjustment, which may be negative and could cause a potential loss of up to 100% of your Account Value in the GAA. For example, you allocate $100,000 to the GAA with a 3-year Guaranteed Term and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment. This loss will be greater if you also have to pay a surrender charge, taxes, and tax penalties. A MVA may apply if you withdraw or transfer Account Value from the GAA, or upon payments due to the death of the participant, if paid more than six months following death (or disability, if applicable). See “<a href="#pro_004">FEE TABLE – Transaction Expenses</a>,” “<a href="#pro_004">FEE TABLE – Adjustments</a>,” “<a href="#pro_009">CHARGES, FEES AND ADJUSTMENTS - Transaction Fees - Early Withdrawal Charge</a>,” and “<a href="#pro_009">CHARGES, FEES AND ADJUSTMENTS – Market Value Adjustments</a>.” 10 0.07 7000 <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt/96% Arial, Helvetica, Sans-Serif; border: Black 1pt solid; padding: 3pt; width: 25%">Are There Transaction Charges?</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt; width: 75%">Yes. • In addition to the early withdrawal charge and Market Value Adjustments, the Investor may also be charged for other transactions. If you take a Contract loan from your Account Value, you may be subject to a Loan Initiation Fee not to exceed $125 per loan. • Certain Funds may impose redemption fees as a result of withdrawals, transfers or other Fund transactions you may initiate. See “<a href="#pro_004">FEE TABLE – Transaction Expenses</a>” and “<a href="#pro_009">CHARGES, FEES AND ADJUSTMENTS</a>.”</td></tr> </table> Are There Ongoing Fees and Expenses? Yes. The table below describes the fees and expenses that you may pay each year, depending on the Investment Options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. A Loan Interest Rate Spread (which is the difference between the rate charged and the rate credited on loans under your contract) or an Annual Loan administration fee is charged until the loan is repaid. <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td rowspan="3" style="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; width: 25%"> </td> <td style="border-top: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 51%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Annual Fee</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; width: 12%; text-align: center">Minimum</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; width: 12%; text-align: center">Maximum</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="border-right: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid">Base Contract Expenses (varies by Contract class)</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">1.25%1,2</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">1.79%1,2</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="border-right: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; border-bottom: Black 1pt solid">Portfolio Company fees and expenses</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">0.27%</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">3.38%3</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt/96% Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-left: Black 1pt solid; padding: 3pt; width: 25%">Are There Ongoing Fees and Expenses? </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 75%">Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add surrender charges and negative Market Value Adjustments that substantially increase costs. </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td rowspan="6" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt/96% Arial, Helvetica, Sans-Serif; padding: 3pt; width: 25%"> </td> <td style="border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; width: 37%; text-align: center">Texas K-12 Contracts</td> <td style="border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; width: 38%; text-align: center">Texas K-12 Contracts</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; padding: 3pt">Lowest Annual Cost Estimate: $260</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">Highest Annual Cost Estimate: $2,512</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">All Other Contracts</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">All Other Contracts</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; padding: 3pt">Lowest Annual Cost Estimate: $262</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">Highest Annual Cost Estimate: $3,939</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 3pt">Assumes: • Investment of $100,000; • 5% annual appreciation; • No optional benefits; • No loans; • Fees and expenses of least expensive Fund; • No sales charges; and • No additional Purchase Payments, transfers or withdrawals.</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 3pt">Assumes: • Investment of $100,000; • 5% annual appreciation; • No loans; • Fees and expenses for the most expensive Fund; • No sales charges; and • No additional Purchase Payments, transfers or withdrawals.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td colspan="2" style="font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt"> See “<a href="#pro_004">FEE TABLE – Periodic Fees and Expenses</a>” and “<a href="#pro_009">CHARGES, FEES AND ADJUSTMENTS – Periodic Fees and Charges</a>.” </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">1</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">As a percentage of average Account Value.</td></tr></table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">2</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">The Base Contract Expenses include (1) the mortality and expense risk charge (1.25% for Texas K-12 Contracts and 1.50% for all other Contracts), which compensates us for the mortality and expense risks we assume under the Contract, including those risks associated with our funding of the death benefit, including any guaranteed death benefits; (2) an administrative expense charge of up to 0.25%; and (3) a $30 annual maintenance fee converted to an annual percentage equal to 0.001650717%. The administrative expense charge and the annual maintenance fee may be reduced or eliminated in certain circumstances. The minimum amount reflects these reductions or eliminations, while the maximum amount does not. Additionally, the minimum amount reflects the lower mortality and expense risk charge for K-12 Contracts and the maximum amount reflects the higher mortality and expense risk charge for all other Contracts. See “CHARGES, FEES AND ADJUSTMENTS – Periodic Fees and Charges.” </td></tr></table> 0.0125 0.0179 0.0027 0.0338 <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td rowspan="6" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt/96% Arial, Helvetica, Sans-Serif; padding: 3pt; width: 25%"> </td> <td style="border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; width: 37%; text-align: center">Texas K-12 Contracts</td> <td style="border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; width: 38%; text-align: center">Texas K-12 Contracts</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; padding: 3pt">Lowest Annual Cost Estimate: $260</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">Highest Annual Cost Estimate: $2,512</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">All Other Contracts</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">All Other Contracts</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; padding: 3pt">Lowest Annual Cost Estimate: $262</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">Highest Annual Cost Estimate: $3,939</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 3pt">Assumes: • Investment of $100,000; • 5% annual appreciation; • No optional benefits; • No loans; • Fees and expenses of least expensive Fund; • No sales charges; and • No additional Purchase Payments, transfers or withdrawals.</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; padding: 3pt">Assumes: • Investment of $100,000; • 5% annual appreciation; • No loans; • Fees and expenses for the most expensive Fund; • No sales charges; and • No additional Purchase Payments, transfers or withdrawals.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td colspan="2" style="font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 3pt"> See “<a href="#pro_004">FEE TABLE – Periodic Fees and Expenses</a>” and “<a href="#pro_009">CHARGES, FEES AND ADJUSTMENTS – Periodic Fees and Charges</a>.” </td></tr> </table> 260 2512 262 3939 As a percentage of average Account Value.<table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">2</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">The Base Contract Expenses include (1) the mortality and expense risk charge (1.25% for Texas K-12 Contracts and 1.50% for all other Contracts), which compensates us for the mortality and expense risks we assume under the Contract, including those risks associated with our funding of the death benefit, including any guaranteed death benefits; (2) an administrative expense charge of up to 0.25%; and (3) a $30 annual maintenance fee converted to an annual percentage equal to 0.001650717%. The administrative expense charge and the annual maintenance fee may be reduced or eliminated in certain circumstances. The minimum amount reflects these reductions or eliminations, while the maximum amount does not. Additionally, the minimum amount reflects the lower mortality and expense risk charge for K-12 Contracts and the maximum amount reflects the higher mortality and expense risk charge for all other Contracts. See “CHARGES, FEES AND ADJUSTMENTS – Periodic Fees and Charges.” </td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">3</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">These expenses, which include management fees, distribution (12b-1) and/or service fees and other expenses, do not take into account any fee waiver or expense reimbursement arrangements that may apply. These expenses are for the year ended December 31, 2024, and will vary from year to year.</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; "> <td colspan="2" style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border: Black 1pt solid">RISKS</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 3pt; width: 25%; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Is There a Risk of Loss from Poor Performance?</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; width: 75%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Yes. An Investor can lose money by investing in the Contract. See “<a href="#pro_005">PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</a>.”</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Is This a Short-Term Investment?</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">No. This Contract is not designed for short-term investing and is not appropriate for an Investor who needs ready access to cash. The Contract is typically most useful as part of a personal retirement plan. Early withdrawals may be restricted by the Tax Code or your plan and may expose you to early withdrawal charges or tax penalties. You should not participate in this Contract if you are looking for a short-term investment or expect to make withdrawals before you are age 59½. Amounts withdrawn from the Contract may result in surrender charges, taxes, and tax penalties. Amounts removed from the Guaranteed Accumulation Account before the end of a Guaranteed Term may also result in a negative Market Value Adjustment. At the end of the Guaranteed Term we will reallocate your Account Value in the GAA according to your instructions. If you have not provided instructions, we will automatically reinvest the maturing investment into a guaranteed term available in the current deposit period. For contracts that distinguish between short- and long-term classifications, we will generally transfer the maturing investment to the available deposit period for the guaranteed term having the shortest maturity within the same classification. For other contracts, we will generally transfer the maturing investment in the following manner based upon availability: •    To a guaranteed term of the same duration, if available; •    To a guaranteed term with the next shortest duration, if available; or •    To a guaranteed term with the next longest duration. You may not receive any distribution before retirement, except upon reaching age 70½ or terminating employment with Texas public institutions of higher learning. If you participate in the Texas Optional Retirement Program, you may not receive any distribution before retirement, except upon reaching age 70½ or terminating employment with the Texas public institutions of higher learning. See “<a href="#pro_005">PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</a>.”</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 25%">What Are the Risks Associated with the Investment Options? </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 75%">An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract. Each investment option (including the Guaranteed Accumulation Account and the other Fixed Interest Options) will have its own unique risks, and you should review these investment options before making an investment decision. See “<a href="#pro_008">THE INVESTMENT OPTIONS – The Variable Investment Options</a>” and “<a href="#pro_008">THE INVESTMENT OPTIONS – The Fixed Interest Options.</a>”</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt/96% Arial, Helvetica, Sans-Serif; padding: 3pt">What Are the Risks Related to the Insurance Company?</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; padding: 3pt; border-right: Black 1pt solid">An investment in the Contract is subject to the risks related to VRIAC, including that any obligations, including under the Fixed Interest Options, guarantees or benefits are subject to the financial strength and claims-paying ability of VRIAC. More information about VRIAC, including its financial strength and claims paying ability, is available upon request, by contacting Customer Service at 1-800-584-6001. See “<a href="#pro_010">THE CONTRACT – The General Account</a>.”</td></tr> </table> Yes. An Investor can lose money by investing in the Contract. See “<a href="#pro_005">PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</a>.” No. This Contract is not designed for short-term investing and is not appropriate for an Investor who needs ready access to cash. The Contract is typically most useful as part of a personal retirement plan. Early withdrawals may be restricted by the Tax Code or your plan and may expose you to early withdrawal charges or tax penalties. You should not participate in this Contract if you are looking for a short-term investment or expect to make withdrawals before you are age 59½. Amounts withdrawn from the Contract may result in surrender charges, taxes, and tax penalties. Amounts removed from the Guaranteed Accumulation Account before the end of a Guaranteed Term may also result in a negative Market Value Adjustment. At the end of the Guaranteed Term we will reallocate your Account Value in the GAA according to your instructions. If you have not provided instructions, we will automatically reinvest the maturing investment into a guaranteed term available in the current deposit period. For contracts that distinguish between short- and long-term classifications, we will generally transfer the maturing investment to the available deposit period for the guaranteed term having the shortest maturity within the same classification. For other contracts, we will generally transfer the maturing investment in the following manner based upon availability: •    To a guaranteed term of the same duration, if available; •    To a guaranteed term with the next shortest duration, if available; or •    To a guaranteed term with the next longest duration. You may not receive any distribution before retirement, except upon reaching age 70½ or terminating employment with Texas public institutions of higher learning. If you participate in the Texas Optional Retirement Program, you may not receive any distribution before retirement, except upon reaching age 70½ or terminating employment with the Texas public institutions of higher learning. See “<a href="#pro_005">PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</a>.” An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract. Each investment option (including the Guaranteed Accumulation Account and the other Fixed Interest Options) will have its own unique risks, and you should review these investment options before making an investment decision. See “<a href="#pro_008">THE INVESTMENT OPTIONS – The Variable Investment Options</a>” and “<a href="#pro_008">THE INVESTMENT OPTIONS – The Fixed Interest Options.</a> An investment in the Contract is subject to the risks related to VRIAC, including that any obligations, including under the Fixed Interest Options, guarantees or benefits are subject to the financial strength and claims-paying ability of VRIAC. More information about VRIAC, including its financial strength and claims paying ability, is available upon request, by contacting Customer Service at 1-800-584-6001. See “<a href="#pro_010">THE CONTRACT – The General Account</a>. Yes. • Your plan may limit the number of investment options you may select at any one time. Please refer to your plan documents for more information; • Some Subaccounts and Fixed Interest Options may not be available through your plan. Please refer to your plan documents for a list of Subaccounts and Fixed Interest Options available to you; • Some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain investment options; • Not all Fixed Interest Options may be available for current or future investment; • There are certain restrictions on transfers from the Fixed Interest Options; • The Company reserves the right to combine two or more Subaccounts, close Subaccounts or substitute a new Fund for a Fund in which a Subaccount currently invests; and • The Contract is not designed to serve as a vehicle for frequent transfers. We actively monitor Fund transfer and reallocation activity to identify violations of our Excessive Trading Policy. Electronic trading privileges will be suspended if the Company determines, in its sole discretion, that our Excessive Trading Policy has been violated. See “<a href="#pro_008">THE INVESTMENT OPTIONS - Selecting Investment Options and Right to Change the Separate Account</a>,” “<a href="#pro_010">THE CONTRACT – Limits on Frequent or Disruptive Transfers</a>” and “<a href="#pro_019">OTHER TOPICS – Financial Intermediary Variations</a>. Yes. • We may discontinue or restrict the availability of an optional benefit; • Benefits available to you may vary based on your plan. Please refer to your plan documents for benefits available to you; • Some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain Contract benefits; • Account Values invested in certain investment options may not be available for rebalancing under the Asset Rebalancing Program. Subaccount reallocations or changes outside of the Asset Rebalancing Program may affect the program; • If not required under your plan, we may discontinue the availability of one or all of the Systematic Distribution Options at any time and/or change the terms of future elections; and • Withdrawals may reduce the amount of a death benefit based on Purchase Payments by more than the amount withdrawn. See “<a href="#pro_010">THE CONTRACT – Contract Provisions and Limitations – The Asset Rebalancing Program</a>,” “<a href="#pro_013">DEATH BENEFIT – Death Benefit Options</a>,” “<a href="#pro_016">SYSTEMATIC DISTRIBUTION OPTIONS – Availability of Systematic Distribution Options</a>,” “<a href="#pro_017">LOANS – Availability” and “OTHER TOPICS – Financial Intermediary Variations</a>. • You should consult with a tax and/or legal adviser to determine the tax implications of an investment in, and distributions received under, the Contract; • There is no additional tax benefit to the Investor if the Contract is purchased through a tax-qualified plan or individual retirement account (“IRA”); and • Withdrawals will be subject to ordinary income tax and may be subject to tax penalties. See “<a href="#pro_018">FEDERAL TAX CONSIDERATIONS</a>. • We pay compensation to broker/dealers whose registered representatives sell the Contract. • Compensation may be paid in the form of commissions or other compensation, depending upon the agreement between the broker/dealers and the registered representative. • Because of this sales-based compensation, an investment professional may have a financial incentive to offer or recommend the Contract over another investment. See “<a href="#pro_019">OTHER TOPICS – Contract Distribution</a>. Some investment professionals may have a financial incentive to offer you a new Contract in place of the one you own. You should exchange your contract only if you determine, after comparing the features, fees and risks of both contracts, and any fees or penalties to terminate the existing contract, that it is preferable for you to purchase the new Contract rather than continue to own the existing contract. See “<a href="#pro_005">PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</a>. FEE TABLE The following tables describe the fees, expenses and adjustments that you will pay when buying, owning and surrendering or making withdrawals from an Investment Option or the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. The first table describes the fees and expenses that you will pay at the time you buy the Contract, surrender or make withdrawals from the Contract or take a loan from the Contract. State premium taxes may also be deducted. Transaction Expenses <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; width: 72%">Maximum Early Withdrawal Charge1</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; text-align: right; width: 28%"> </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt">(as a percentage of amount withdrawn, if applicable)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; text-align: right; padding-bottom: 3pt"> </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left; "> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-left: 18pt; padding-bottom: 3pt">Texas K-12 Contracts </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; text-align: right; padding-bottom: 3pt">7.00%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-left: 18pt; padding-bottom: 3pt">All other Contracts </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; text-align: right; padding-bottom: 3pt">5.00%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left; "> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Maximum Loan Fees</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; text-align: right; padding-bottom: 3pt"> </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-left: 18pt; padding-bottom: 3pt">Loan Initiation Fee2 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; text-align: right; padding-bottom: 3pt">$125.00</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left; "> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Premium Tax3 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; text-align: right; padding-bottom: 3pt">0.00% to 4.00%</td></tr> </table> The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of the Account Value is removed from the Guaranteed Accumulation Account or from the Contract before the expiration of a specified period. Adjustments <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="border-bottom: black 1pt solid; padding-top: 3pt; vertical-align: top; width: 93%; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt">Guaranteed Accumulation Account Maximum Potential Loss Due to Market Value Adjustment (as a percentage of Account Value withdrawn from the Guaranteed Accumulation Account)4</td> <td style="border-bottom: black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-top: 3pt; white-space: nowrap; vertical-align: bottom; width: 7%; padding-bottom: 3pt">100%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">1</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">This is a deferred sales charge. The percentage will be determined by the applicable early withdrawal charge schedule in the “CHARGES, Fees AND ADJUSTMENTS” section. In certain cases, this charge may not apply to a portion or all of your withdrawal. The early withdrawal charge reduces over time. This charge may be waived, reduced or eliminated in certain circumstances. See “CHARGES, Fees AND ADJUSTMENTS.”</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">2</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Certain Contracts that have a 0.0% Loan Interest Rate Spread may be subject to a loan initiation fee. If assessed, the loan initiation fee will apply to each outstanding loan taken and will be deducted from the Account Value. We reserve the right to change the fee charged for loan initiation, but not to exceed $125. See “Loans ‒ Things to Consider Before Initiating a Loan.”</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">3</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">We reserve the right to deduct a charge for premium taxes from your Account Value or from payments to the Account at any time, but not before there is a tax liability under state law. See “CHARGES, Fees AND ADJUSTMENTS ‒ Premium and Other Taxes.”</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">4</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">A Market Value Adjustment will apply to withdrawals or transfers from the Guaranteed Accumulation Account. Withdrawals due to the election of a lifetime income option and Withdrawals due to the death of the participant (if paid within the first six months following death) will be subject to an aggregate MVA only if it is positive. All other withdrawals will be subject to an aggregate MVA, regardless of whether it is positive or negative. For more information, see “CHARGES, FEES AND ADJUSTMENTS – Contract Adjustments.”</td></tr></table>The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Fund fees and expenses). Annual Contract Expenses <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; width: 64%; padding-bottom: 3pt"> </td> <td style="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; padding-top: 3pt; width: 17%; padding-bottom: 3pt">Applicable to Texas K-12 Contracts</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; width: 2%; padding-bottom: 3pt"> </td> <td style="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; padding-top: 3pt; width: 17%; padding-bottom: 3pt">Applicable to All Other Contracts</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt">Annual Maintenance Fee5</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">$0.00</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt"> </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">$30.00</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; "> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt">Base Contract Expenses6,7 (as a percentage of average Account Value)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 14pt; padding-top: 3pt; padding-bottom: 3pt; text-align: center">1.50%</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt"> </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 14pt; padding-top: 3pt; padding-bottom: 3pt; text-align: center">1.75%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt">Maximum Loan Fees</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center; width: 17%"> </td> </tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; "> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 18pt; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt">Loan Interest Rate Spread (per annum)7</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 14pt; padding-top: 3pt; padding-bottom: 3pt; text-align: center">3.00%</td> </tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 18pt; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt">Annual Loan Administration Fee8</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">$50.00</td> </tr> </table> The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of the Funds available under the Contract, including their annual expenses, may be found in APPENDIX A of this Prospectus. Annual Fund Expenses <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; border-bottom: Black 1pt solid; padding-bottom: 3pt"> </td> <td colspan="2" style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-bottom: 3pt">Applicable to Texas K-12 Contracts</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-bottom: 3pt; text-align: center"> </td> <td colspan="2" style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-bottom: 3pt; text-align: center">Applicable to All Other Contracts</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; width: 58%; padding-bottom: 3pt">Total Annual Fund Operating Expense</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; padding-top: 3pt; width: 10%; padding-bottom: 3pt">Minimum</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; padding-top: 3pt; width: 10%; padding-bottom: 3pt">Maximum</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; width: 2%; padding-bottom: 3pt"> </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; width: 10%; padding-bottom: 3pt; text-align: center">Minimum</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; width: 10%; padding-bottom: 3pt; text-align: center">Maximum</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt">Expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses (as of December 31, 2025). </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">0.27%</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">0.27%</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt"> </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">0.27%</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">0.27%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; "> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt">Expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses (as of December 31, 2025) after any waivers or expense reimbursements.9</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">3.19%</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">3.38%</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt"> </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">3.19%</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">3.38%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">5</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">These fees may be waived, reduced or eliminated in certain circumstances. See “CHARGES, Fees AND ADJUSTMENTS.”</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">6</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">The mortality and expense risk charge, included in the Base Contract Expenses, compensates us for the mortality and expense risks we assume under the Contract, including those risks associated with our funding of the death benefit, including any guaranteed death benefits. The Base Contract Expenses also reflect an administration expense charge equal to 0.25% annually of your Account Value invested in the Subaccounts. See “CHARGES, FEES AND ADJUSTMENTS – Periodic Fees and Charges – Mortality and Expense Risk Charge.”</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">7</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">This is the difference between the rate charged and the rate credited on loans under your Contract. We reserve the right to assess a Loan Interest Rate Spread between 0.0% and 3.0% per annum. If applied, the Loan Interest Rate Spread is generally 2.5% per annum. See “Loans ‒ Things to Consider Before Initiating a Loan.”</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">8</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Certain Contracts that have a 0.0% Loan Interest Rate Spread may be subject to an annual loan administration fee. If assessed, the annual loan maintenance fee will apply to each outstanding Plan Loan and be deducted from the vested individual account value. We reserve the right to change the annual fee charged for loan administration, but the fee shall not exceed $50. See “Loans ‒ Things to Consider Before Initiating a Loan.”</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">9</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Any expense waivers or reimbursements will remain in effect until at least April 30, 2027, and can only be terminated early with approval by the Fund company’s board of directors.</td></tr></table>See “CHARGES, FEES AND ADJUSTMENTS – Fund Fees and Expenses” for additional information about the fees and expenses of the Funds, including information about the revenue we may receive from each of the Funds or the Funds’ affiliates. Examples These examples are intended to help you compare the cost of investing in the Variable Investment Options with the cost of investing in other annuity contracts that offer Variable Investment Options. These costs include transaction expenses (assuming no loans), annual Contract expenses and annual Fund expenses. The Example assumes all Account Value is allocated to the Variable Investment Options. Your costs could differ from those below if you invest in the Fixed Income Options, including the GAA. The examples do not reflect the Market Value Adjustment you may incur if you remove Contract Value from the GAA prior to the end of a Guarantee Period. The following examples assume that you invest $100,000 in the Variable Investment Options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Fund expenses. Although your actual costs may be higher or lower, based on these assumptions, your costs would be: Applicable to Texas K-12 Contracts: <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td rowspan="2" style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; width: 60%; border: Black 1pt solid">Example A: If you withdraw your entire Account Value at the end of the applicable time period:</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; vertical-align: bottom; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1 Year</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; vertical-align: bottom; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: center">3 Years</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; vertical-align: bottom; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: center">5 Years</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; vertical-align: bottom; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$9,623 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$14,998 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$20,552 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$32,802 </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td rowspan="2" style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 60%">Example B: If you do not withdraw your entire Account Value or if you select an Income Phase payment option at the end of the applicable time period:*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; width: 10%; text-align: center">1 Year</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; width: 10%; text-align: center">3 Years</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; width: 10%; text-align: center">5 Years</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; width: 10%; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$2,990 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$9,155 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$15,574 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$32,802 </td></tr> </table> Applicable to All Other Contracts: <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td rowspan="2" style="border: Black 1pt solid; padding: 3pt; width: 60%; font: 10pt Arial, Helvetica, Sans-Serif">Example A: If you withdraw your entire Account Value at the end of the applicable time period:</td> <td style="border-top: Black 1pt solid; padding: 3pt; vertical-align: bottom; width: 10%; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="border-top: Black 1pt solid; padding: 3pt; vertical-align: bottom; width: 10%; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">3 Years</td> <td style="border-top: Black 1pt solid; padding: 3pt; vertical-align: bottom; width: 10%; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="border-top: Black 1pt solid; padding: 3pt; vertical-align: bottom; width: 10%; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$10,112 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$20,345 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$30,541 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$50,980 </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td rowspan="2" style="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 60%">Example B: If you do not withdraw your entire Account Value or if you select an Income Phase payment option at the end of the applicable time period:*</td> <td style="border-right: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">3 Years</td> <td style="border-right: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$5,128 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$15,365 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$25,574 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$50,980 </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">*</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">This example will not apply if during the Income Phase a non-lifetime payment option is elected with variable payments and a lump-sum payment is requested within a certain number of years as specified in the contract. In that case, the lump-sum payment is treated as a withdrawal during the Accumulation Phase and may be subject to an early withdrawal charge. (Refer to Example A.)</td></tr></table> Transaction Expenses<table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; width: 72%">Maximum Early Withdrawal Charge1</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; text-align: right; width: 28%"> </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt">(as a percentage of amount withdrawn, if applicable)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; text-align: right; padding-bottom: 3pt"> </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left; "> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-left: 18pt; padding-bottom: 3pt">Texas K-12 Contracts </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; text-align: right; padding-bottom: 3pt">7.00%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-left: 18pt; padding-bottom: 3pt">All other Contracts </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; text-align: right; padding-bottom: 3pt">5.00%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left; "> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Maximum Loan Fees</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; text-align: right; padding-bottom: 3pt"> </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-left: 18pt; padding-bottom: 3pt">Loan Initiation Fee2 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; text-align: right; padding-bottom: 3pt">$125.00</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; text-align: left; "> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Premium Tax3 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; text-align: right; padding-bottom: 3pt">0.00% to 4.00%</td></tr> </table> 0.07 0.05 125 0 0.04 Adjustments<table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="border-bottom: black 1pt solid; padding-top: 3pt; vertical-align: top; width: 93%; font: 10pt Arial, Helvetica, Sans-Serif; padding-bottom: 3pt">Guaranteed Accumulation Account Maximum Potential Loss Due to Market Value Adjustment (as a percentage of Account Value withdrawn from the Guaranteed Accumulation Account)4</td> <td style="border-bottom: black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding-top: 3pt; white-space: nowrap; vertical-align: bottom; width: 7%; padding-bottom: 3pt">100%</td></tr> </table> 1 This is a deferred sales charge. The percentage will be determined by the applicable early withdrawal charge schedule in the “CHARGES, Fees AND ADJUSTMENTS” section. In certain cases, this charge may not apply to a portion or all of your withdrawal. The early withdrawal charge reduces over time. This charge may be waived, reduced or eliminated in certain circumstances. See “CHARGES, Fees AND ADJUSTMENTS.” Certain Contracts that have a 0.0% Loan Interest Rate Spread may be subject to a loan initiation fee. If assessed, the loan initiation fee will apply to each outstanding loan taken and will be deducted from the Account Value. We reserve the right to change the fee charged for loan initiation, but not to exceed $125. See “Loans ‒ Things to Consider Before Initiating a Loan.”<table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">3</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">We reserve the right to deduct a charge for premium taxes from your Account Value or from payments to the Account at any time, but not before there is a tax liability under state law. See “CHARGES, Fees AND ADJUSTMENTS ‒ Premium and Other Taxes.”</td></tr></table> Annual Contract Expenses<table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; width: 64%; padding-bottom: 3pt"> </td> <td style="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; padding-top: 3pt; width: 17%; padding-bottom: 3pt">Applicable to Texas K-12 Contracts</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; width: 2%; padding-bottom: 3pt"> </td> <td style="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; padding-top: 3pt; width: 17%; padding-bottom: 3pt">Applicable to All Other Contracts</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt">Annual Maintenance Fee5</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">$0.00</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt"> </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">$30.00</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; "> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt">Base Contract Expenses6,7 (as a percentage of average Account Value)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 14pt; padding-top: 3pt; padding-bottom: 3pt; text-align: center">1.50%</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt"> </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 14pt; padding-top: 3pt; padding-bottom: 3pt; text-align: center">1.75%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt">Maximum Loan Fees</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center; width: 17%"> </td> </tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; "> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 18pt; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt">Loan Interest Rate Spread (per annum)7</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 14pt; padding-top: 3pt; padding-bottom: 3pt; text-align: center">3.00%</td> </tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-left: 18pt; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt">Annual Loan Administration Fee8</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">$50.00</td> </tr> </table> 0 30 0.015 0.0175 0.03 50 Annual Fund Expenses<table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; border-bottom: Black 1pt solid; padding-bottom: 3pt"> </td> <td colspan="2" style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-bottom: 3pt">Applicable to Texas K-12 Contracts</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-bottom: 3pt; text-align: center"> </td> <td colspan="2" style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: bottom; border-bottom: Black 1pt solid; padding-bottom: 3pt; text-align: center">Applicable to All Other Contracts</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; width: 58%; padding-bottom: 3pt">Total Annual Fund Operating Expense</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; padding-top: 3pt; width: 10%; padding-bottom: 3pt">Minimum</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; padding-top: 3pt; width: 10%; padding-bottom: 3pt">Maximum</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; width: 2%; padding-bottom: 3pt"> </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; width: 10%; padding-bottom: 3pt; text-align: center">Minimum</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; width: 10%; padding-bottom: 3pt; text-align: center">Maximum</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; background-color: rgb(210,247,250)"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt">Expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses (as of December 31, 2025). </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">0.27%</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">0.27%</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt"> </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">0.27%</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">0.27%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; "> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt">Expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses (as of December 31, 2025) after any waivers or expense reimbursements.9</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">3.19%</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">3.38%</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; vertical-align: top; padding-bottom: 3pt"> </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">3.19%</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt; text-align: center">3.38%</td></tr> </table> 0.0027 0.0027 0.0027 0.0027 0.0319 0.0338 0.0319 0.0338 These fees may be waived, reduced or eliminated in certain circumstances. See “CHARGES, Fees AND ADJUSTMENTS.” The mortality and expense risk charge, included in the Base Contract Expenses, compensates us for the mortality and expense risks we assume under the Contract, including those risks associated with our funding of the death benefit, including any guaranteed death benefits. The Base Contract Expenses also reflect an administration expense charge equal to 0.25% annually of your Account Value invested in the Subaccounts. See “CHARGES, FEES AND ADJUSTMENTS – Periodic Fees and Charges – Mortality and Expense Risk Charge.” This is the difference between the rate charged and the rate credited on loans under your Contract. We reserve the right to assess a Loan Interest Rate Spread between 0.0% and 3.0% per annum. If applied, the Loan Interest Rate Spread is generally 2.5% per annum. See “Loans ‒ Things to Consider Before Initiating a Loan.”<table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">8</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Certain Contracts that have a 0.0% Loan Interest Rate Spread may be subject to an annual loan administration fee. If assessed, the annual loan maintenance fee will apply to each outstanding Plan Loan and be deducted from the vested individual account value. We reserve the right to change the annual fee charged for loan administration, but the fee shall not exceed $50. See “Loans ‒ Things to Consider Before Initiating a Loan.”</td></tr></table> Any expense waivers or reimbursements will remain in effect until at least April 30, 2027, and can only be terminated early with approval by the Fund company’s board of directors. <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td rowspan="2" style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; width: 60%; border: Black 1pt solid">Example A: If you withdraw your entire Account Value at the end of the applicable time period:</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; vertical-align: bottom; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1 Year</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; vertical-align: bottom; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: center">3 Years</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; vertical-align: bottom; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: center">5 Years</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; vertical-align: bottom; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$9,623 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$14,998 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$20,552 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$32,802 </td></tr> </table> 9623 14998 20552 32802 <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td rowspan="2" style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 60%">Example B: If you do not withdraw your entire Account Value or if you select an Income Phase payment option at the end of the applicable time period:*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; width: 10%; text-align: center">1 Year</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; width: 10%; text-align: center">3 Years</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; width: 10%; text-align: center">5 Years</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; width: 10%; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$2,990 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$9,155 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$15,574 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$32,802 </td></tr> </table> 2990 9155 15574 32802 <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td rowspan="2" style="border: Black 1pt solid; padding: 3pt; width: 60%; font: 10pt Arial, Helvetica, Sans-Serif">Example A: If you withdraw your entire Account Value at the end of the applicable time period:</td> <td style="border-top: Black 1pt solid; padding: 3pt; vertical-align: bottom; width: 10%; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="border-top: Black 1pt solid; padding: 3pt; vertical-align: bottom; width: 10%; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">3 Years</td> <td style="border-top: Black 1pt solid; padding: 3pt; vertical-align: bottom; width: 10%; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="border-top: Black 1pt solid; padding: 3pt; vertical-align: bottom; width: 10%; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$10,112 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$20,345 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$30,541 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$50,980 </td></tr> </table> 10112 20345 30541 50980 <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td rowspan="2" style="border-right: Black 1pt solid; padding: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 60%">Example B: If you do not withdraw your entire Account Value or if you select an Income Phase payment option at the end of the applicable time period:*</td> <td style="border-right: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">3 Years</td> <td style="border-right: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$5,128 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$15,365 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$25,574 </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">$50,980 </td></tr> </table> 5128 15365 25574 50980 PRINCIPAL RISKS OF INVESTING IN THE CONTRACT The decision to participate or invest in the Contract should be discussed with your financial representative. Make sure that you understand the risks you will face when you consider an investment in the Contract. There are risks associated with investing in the Contract. <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0%"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Market Risk – You bear the risk of any decline in the Account Value caused by the performance of the underlying Funds held by the Subaccounts. Those Funds could decline in value very significantly, and there is a risk of loss of your entire amount invested. The risk of loss varies with each underlying Fund. The investment risks are described in the prospectuses for the underlying Funds. There also is investment risk associated with an investment in the Guaranteed Accumulation Account if you remove Account Value before the end of a Guaranteed Term. If interest rates at the time of a withdrawal have increased since the date of deposit, the value of the investment decreases and the MVA will be negative. This could result in your receiving less than the amount you paid into the Guaranteed Accumulation Account.</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0%"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Early Withdrawal Risk – You should carefully consider the risk associated with withdrawals, including a surrender of the participant’s certificate and a withdrawal under a certificate. A surrender or partial withdrawal may be subject to federal and state taxes, including a 10% federal income tax penalty on the taxable portion of the withdrawal, if taken prior to age 59½. Surrendering the participant certificate terminates the certificate. You may also incur a negative MVA if you remove Account Value from the Guaranteed Accumulation Account before the end of a Guaranteed Term. Under extreme conditions, you could lose up to 100% of your withdrawal from the GAA due to a negative MVA. Withdrawals can result in a significant reduction in your Account Value, death benefit and benefits under a participant certificate, potentially by more than the amount withdrawn. Because of Contract features like these and given the tax consequences referred to above, you should not view the Contract as a short-term savings vehicle.</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0%"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Insurance Company Insolvency – It is possible that we could experience financial difficulty in the future and even become insolvent, and therefore become unable to provide all of the guarantees and benefits that exceed the assets in the Separate Account that we have promised.</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0%"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Contract Changes – We do not guarantee that each Fund or Fixed Interest Option will always be available for investment through the Contract. Subject to certain conditions and restrictions applicable to certain types of retirement plans and state and federal law and the rules and regulations thereunder, we may, from time to time, combine two or more Subaccounts; close Subaccounts and, unless we receive alternative allocation instructions, allocate all future amounts directed to the Subaccount that was closed or is unavailable among the other available Subaccounts according to the most recent allocation instructions we have on file; or substitute a new Fund for a Fund in which a Subaccount currently invests. Additionally, we may limit your ability to make transfers between investment options if you violate our policy on frequent or disruptive transfers.</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0%"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Contract Benefits – Loans and withdrawal may reduce the amount of a death benefit based on Purchase Payments by more than the amount of the loan or withdrawal due to proportional reductions in the premium amount.</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0%"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Tax Consequences – Early withdrawals may be restricted by the Tax Code or your plan or may expose you to early withdrawal charges or tax penalties. The value of deferred taxation on earnings grows with the amount of time funds are left in the Contract.</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0%"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Short-Term Investment – You should not participate in this Contract if you are looking for a short-term investment or expect to need to make withdrawals before you are age 59½; and </td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0%"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Business Disruption and Cybersecurity Risks – We rely on technology, including interconnected computer systems and data storage networks and digital communications, to conduct our variable product business activities. Because our variable product business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions) and cyber-attacks. Cyber-attacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks). </td></tr></table> Cybersecurity risks include, but are not limited to, the loss, theft, misuse, corruption, and destruction of data maintained online or digitally, interference with or denial of service, attacks on our website (or the websites of third parties on whom we rely), disruption of routine business operations, and unauthorized release of confidential customer information. The risk of cyber-attacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyber-attacks, a cybersecurity breach could occur and persist for an extended period of time without detection.Systems failures and cybersecurity incidents affecting us, our affiliates, the underlying funds, intermediaries, service providers, and other third parties on whom we rely may adversely affect your contract value and interfere with our ability to process contract transactions and calculate contract values. Systems failures and cybersecurity breaches may cause us to be unable to process orders from our website or with the underlying funds, cause us to be unable to calculate unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and our service providers and intermediaries to regulatory fines, litigation, and financial losses, and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract. In addition, we are also exposed to risks related to natural and man-made disasters, including, but not limited to, storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic (such as COVID-19), could affect the ability of our employees or the employees of our service providers to perform their job responsibilities. They could interfere with our processing of contract transactions, including processing orders from owners and orders with the underlying funds, impact our ability to calculate contract value, or have other adverse impacts on our operations. These events may also negatively affect the our service providers and intermediaries, the underlying funds and the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and man-made disasters. Market Risk – You bear the risk of any decline in the Account Value caused by the performance of the underlying Funds held by the Subaccounts. Those Funds could decline in value very significantly, and there is a risk of loss of your entire amount invested. The risk of loss varies with each underlying Fund. The investment risks are described in the prospectuses for the underlying Funds. There also is investment risk associated with an investment in the Guaranteed Accumulation Account if you remove Account Value before the end of a Guaranteed Term. If interest rates at the time of a withdrawal have increased since the date of deposit, the value of the investment decreases and the MVA will be negative. This could result in your receiving less than the amount you paid into the Guaranteed Accumulation Account. Early Withdrawal Risk – You should carefully consider the risk associated with withdrawals, including a surrender of the participant’s certificate and a withdrawal under a certificate. A surrender or partial withdrawal may be subject to federal and state taxes, including a 10% federal income tax penalty on the taxable portion of the withdrawal, if taken prior to age 59½. Surrendering the participant certificate terminates the certificate. You may also incur a negative MVA if you remove Account Value from the Guaranteed Accumulation Account before the end of a Guaranteed Term. Under extreme conditions, you could lose up to 100% of your withdrawal from the GAA due to a negative MVA. Withdrawals can result in a significant reduction in your Account Value, death benefit and benefits under a participant certificate, potentially by more than the amount withdrawn. Because of Contract features like these and given the tax consequences referred to above, you should not view the Contract as a short-term savings vehicle. Insurance Company Insolvency – It is possible that we could experience financial difficulty in the future and even become insolvent, and therefore become unable to provide all of the guarantees and benefits that exceed the assets in the Separate Account that we have promised. Contract Changes – We do not guarantee that each Fund or Fixed Interest Option will always be available for investment through the Contract. Subject to certain conditions and restrictions applicable to certain types of retirement plans and state and federal law and the rules and regulations thereunder, we may, from time to time, combine two or more Subaccounts; close Subaccounts and, unless we receive alternative allocation instructions, allocate all future amounts directed to the Subaccount that was closed or is unavailable among the other available Subaccounts according to the most recent allocation instructions we have on file; or substitute a new Fund for a Fund in which a Subaccount currently invests. Additionally, we may limit your ability to make transfers between investment options if you violate our policy on frequent or disruptive transfers. Contract Benefits – Loans and withdrawal may reduce the amount of a death benefit based on Purchase Payments by more than the amount of the loan or withdrawal due to proportional reductions in the premium amount. Tax Consequences – Early withdrawals may be restricted by the Tax Code or your plan or may expose you to early withdrawal charges or tax penalties. The value of deferred taxation on earnings grows with the amount of time funds are left in the Contract. Short-Term Investment – You should not participate in this Contract if you are looking for a short-term investment or expect to need to make withdrawals before you are age 59½; and Business Disruption and Cybersecurity Risks – We rely on technology, including interconnected computer systems and data storage networks and digital communications, to conduct our variable product business activities. Because our variable product business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions) and cyber-attacks. Cyber-attacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks). Cybersecurity risks include, but are not limited to, the loss, theft, misuse, corruption, and destruction of data maintained online or digitally, interference with or denial of service, attacks on our website (or the websites of third parties on whom we rely), disruption of routine business operations, and unauthorized release of confidential customer information. The risk of cyber-attacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyber-attacks, a cybersecurity breach could occur and persist for an extended period of time without detection.Systems failures and cybersecurity incidents affecting us, our affiliates, the underlying funds, intermediaries, service providers, and other third parties on whom we rely may adversely affect your contract value and interfere with our ability to process contract transactions and calculate contract values. Systems failures and cybersecurity breaches may cause us to be unable to process orders from our website or with the underlying funds, cause us to be unable to calculate unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and our service providers and intermediaries to regulatory fines, litigation, and financial losses, and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value.The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract.In addition, we are also exposed to risks related to natural and man-made disasters, including, but not limited to, storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic (such as COVID-19), could affect the ability of our employees or the employees of our service providers to perform their job responsibilities. They could interfere with our processing of contract transactions, including processing orders from owners and orders with the underlying funds, impact our ability to calculate contract value, or have other adverse impacts on our operations. These events may also negatively affect the our service providers and intermediaries, the underlying funds and the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and man-made disasters. BENEFITS AVAILABLE UNDER THE CONTRACT The following table summarizes information about the benefits available under the Contract. Some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain Contract benefits. For more information, see “OTHER TOPICS – Financial Intermediary Variations” section of this Prospectus. If you have any questions about any limitations, restrictions, or other variations related to the contract benefits available to you, please reach out to your financial institution or broker-dealer. <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 13%; text-align: center">Name of Benefit</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 23%; text-align: center">Purpose</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">Is Benefit Standard or Optional</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">Maximum Fee</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 36%; text-align: center">Brief Description of Restrictions/Limitations</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Account Value Death Benefit</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Death benefit is your Account Value plus any positive aggregate market value adjustment that applies to amounts allocated to the Guaranteed Accumulation Account</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">Standard*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">No additional fee for this benefit</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. (See “Account Value Death Benefit”). </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Return of Purchase Payment Death Benefit</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Death benefit is the greater of: •    Your Account Value plus any positive aggregate market value adjustment that applies to amounts allocated to the Guaranteed Accumulation Account; or •    The sum of payments (minus any applicable premium tax) made to your account minus withdrawals made from your account and any outstanding loan amount.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">Standard*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">No additional fee for this benefit.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> If Beneficiary does not request payment of the death benefit as a lump sum or as an Income Phase payment option within six months of your death, the amount of the death benefit is the Account Value. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; width: 13%; border: Black 1pt solid; text-align: center">Name of Benefit</td> <td style="padding: 4pt; width: 23%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Purpose</td> <td style="padding: 4pt; width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Is Benefit Standard or Optional</td> <td style="padding: 4pt; width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Maximum Fee</td> <td style="padding: 4pt; width: 36%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Brief Description of Restrictions/Limitations</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Adjusted Purchase Payment Guaranteed Death Benefit</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> The death benefit is the greater of (a) or (b), where: (a) Is the adjusted Purchase Payment total, which is the sum of all net Purchase Payments to your account, minus a proportional adjustment for withdrawals and amounts taken as a loan, which amount will never be less than zero; and (b) Is the current Account Value, excluding amounts taken as a loan, plus any positive aggregate market value adjustment, as applicable.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Standard*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">No additional fee for this benefit.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> If the death benefit in (a) is less than the amount in (b), and the Beneficiary requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. </td></tr> <tr> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Asset Rebalancing Program</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Allows you to reallocate your Account Value in the investments and percentages you identify.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Standard</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">No additional fee for this benefit.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Account Values invested in certain investment options may not be available for rebalancing under this program. Subaccount reallocations or changes outside of the asset rebalancing program may affect the program. Changes such as Fund mergers, substitutions or closures may also affect the program. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Systematic Distribution Options</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Allows you to receive regular payments from your account without moving into the Income Phase.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Standard</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">No additional fee for this benefit.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">If not required under the plan, VRIAC may discontinue the availability of one or all of the systematic distribution options at any time and/or change the terms of future elections. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 13%; border: Black 1pt solid; text-align: center">Name of Benefit</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 23%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Purpose</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Is Benefit Standard or Optional</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Maximum Fee</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Brief Description of Restrictions/Limitations</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Loans</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Allows you to borrow against your Account Value.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Standard</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Loan Interest Rate Spread (per annum): 3.00%; or Loan Initiation Fee: $125 per loan; and Annual Loan Administration Fee: $50 per loan.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Amounts borrowed under a Contract do not participate in the investment performance of the Subaccounts and the interest guarantees of the Fixed Interest Options and you may lose the benefit of tax-deferred growth on earnings. Loans, therefore, can affect the Account Value and death benefit whether or not the loan is repaid. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. </td></tr> </table> <table border="0" cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 0pt; text-indent: 0pt; width: 18pt">*</td> <td style="padding: 0pt; text-indent: 0pt">One of these death benefits is available under a plan. Participants should refer to their plan documents for available benefits.</td></tr> </table> DEATH BENEFIT The Contract provides a death benefit in the event of your death, which is payable to the Beneficiary named under the Contract (“Contract Beneficiary”): <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Under Contracts issued in connection with most types of plans except most voluntary 403(b) and Roth 403(b) plans, the Contract Holder must be named as the Contract Beneficiary, but may direct that we make any payments to the Beneficiary you name under the plan (“Plan Beneficiary”); and</td></tr></table> <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Under most group Contracts issued in connection with voluntary 403(b) and Roth 403(b) plans and under individual Contracts, you may generally designate your own Contract Beneficiary who will normally be your Plan Beneficiary, as well.</td></tr></table> During the Accumulation Phase For death benefit information applicable to the Income Phase, see “THE Income Phase – Death Benefit During the Income Phase.” Payment Process <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Following your death, the Contract Beneficiary (on behalf of the Plan Beneficiary, if applicable) must provide the Company with proof of death acceptable to us and a payment request in Good Order;</td></tr></table> <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">The payment request should include selection of a benefit payment option (see below); and</td></tr></table> <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Within seven calendar days after Customer Service receives proof of death acceptable to us and a payment request in Good Order, we will mail payment, unless otherwise requested.</td></tr></table>Until a death benefit request is in Good Order and a payment option is selected, account dollars will remain invested as at the time of your death and no distributions will be made. Benefit Payment Options The following payment options are available, if allowed by the Tax Code: <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Lump-sum payment;</td></tr></table> <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Payment in accordance with any of the available Income Phase payment options (see “Income Phase – Income Phase Payment Options”); or</td></tr></table> <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Payment in accordance with an available systematic distribution option (subject to certain limitations). See “Systematic Distribution Options.”</td></tr></table> The following options are also available under some Contracts; however, the Tax Code limits how long the death benefit proceeds may be left in these options: <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Leaving the Account Value invested in the Contract; or</td></tr></table> <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Under some Contracts, leaving your Account Value on deposit in the Company’s General Account and receiving monthly, quarterly, semi-annual or annual interest payments at the interest rate currently credited on such deposits. The balance on deposit can be withdrawn at any time or paid in accordance with any of the available Income Phase payment options. See “Income Phase – Income Phase Payment Options.”</td></tr></table> Payment of Death Benefit or Proceeds Subject to the conditions and requirements of state law, full payment of the death benefit or proceeds (“Proceeds”) to a Beneficiary may be made either into an interest bearing retained asset account that is backed by our General Account (described in “The Retained Asset Account” below) or by check. For additional information about the payment options available to you, please refer to your claim forms or contact Customer Service. Beneficiaries should carefully review all settlement and payment options available under the Contract and are encouraged to consult with a financial professional or tax adviser before choosing a settlement or payment option. The Retained Asset Account. The retained asset account, known as the Voya Personal Transition Account, is an interest bearing account backed by our General Account. The retained asset account is not guaranteed by the Federal Deposit Insurance Corporation (“FDIC”) and, as part of our General Account, is subject to the claims of our creditors. Beneficiaries that receive their payment through the retained asset account may access the entire Proceeds in the account at any time without penalty through a draftbook feature. The Company seeks to earn a profit on the account, and interest credited on the account may vary from time to time but will not be less than the minimum rate stated in the supplemental Contract delivered to the Beneficiary together with the paperwork to make a claim to the Proceeds. Interest earned on the Proceeds in the account may be less than could be earned if the Proceeds were invested outside of the account. Likewise, interest credited on the Proceeds in the account may be less than under other settlement or payment options available through the Contract. Death Benefit Options The various death benefit options that may be made available by the Company under the Contract are listed below. Only one of these death benefits is available under your plan. For information about the death benefit applicable to you, please see your certificate/enrollment materials or the Contract (held by the Contract Holder). Account Value Death Benefit. For most Contracts, the death benefit will be based on your Account Value. For amounts held in the Guaranteed Accumulation Account, any positive aggregate market value adjustment (the sum of all market value adjustments calculated due to a withdrawal) will be included in your Account Value. If a negative market value adjustment applies, it would be deducted only if the death benefit is withdrawn more than six months after your death. For some Contracts issued in New York, payments due to your death will include the market value adjustment only if it is positive regardless of whether the death benefit is paid within six months following death. We describe the market value adjustment in “FEES, CHARGES AND ADJUSTMENTS” and the STATEMENT OF ADDITIONAL INFORMATION.The death benefit is calculated as of the next time we value your account following the date on which Customer Service receives proof of death and a payment request in Good Order. In addition to this amount, some states require we pay interest on amounts invested in Fixed Interest Options, calculated from date of death at a rate specified by state law. Return of Purchase Payment Death Benefit. Some Contracts provide a guaranteed death benefit if the Contract Beneficiary (on behalf of the Plan Beneficiary, if applicable) elects a lump-sum distribution or an Income Phase payment option within six months of your death. For those Contracts, the guaranteed death benefit is the greater of: <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Your Account Value on the day that Customer Service receives proof of death and a request for payment in Good Order plus any positive aggregate market value adjustment that applies to amounts allocated to the Guaranteed Accumulation Account; or</td></tr></table> <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">The sum of Purchase Payments (minus any applicable premium tax) made to your account minus withdrawals made from your account and any outstanding loan amount.</td></tr></table> In the event that the Contract Beneficiary does not request payment of the death benefit as a lump sum or as an Income Phase payment option within six months of your death, the amount of the death benefit is the Account Value as of the next valuation following Customer Service’s receipt of acceptable proof of death and a payment request in Good Order. See the Contract and/or certificate/enrollment materials for treatment of amounts held in the Guaranteed Accumulation Account. There is no additional fee associated with the Return of Purchase Payment Death Benefit Option. Adjusted Purchase Payment Guaranteed Death Benefit. Under another form of guaranteed death benefit that may be available under certain Contracts, the death benefit payable under the Contract will never be less than the amount of adjusted Purchase Payments made to your account (as defined below), less a proportional adjustment for amounts withdrawn or borrowed from your account. The charge for this guaranteed death benefit, if any, is included within the mortality and expense risk charge applicable under your Contract, and is one of the factors we evaluate when we determine the mortality and expense risk charge applicable to your group Contract. See “CHARGES, Fees AND ADJUSTMENTS – Periodic Fees and Charges - Mortality and Expense Risk Charge.” Calculating the Adjusted Purchase Payment Guaranteed Death Benefit. The death benefit under the Adjusted Purchase Payment Guaranteed Death Benefit is guaranteed to be the greater of (a) or (b) as calculated as of the next Valuation Date following Customer Service’s receipt of proof of death and a payment request in Good Order where: <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">(a)</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">is the adjusted Purchase Payment total, which is the sum of all net Purchase Payments to your account, minus a proportional adjustment for withdrawals and amounts taken as a loan, which amount will never be less than zero (see “Calculating Adjusted Purchase Payments” below); and</td></tr></table> <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">(b)</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">is the current Account Value, excluding amounts taken as a loan, plus any positive aggregate market value adjustment, as applicable. See “FEES, CHARGES AND ADJUSTMENTS” and the STATEMENT OF ADDITIONAL INFORMATION for further information regarding the market value adjustment.</td></tr></table> If the amount of the death benefit in (a) is greater than the amount in (b), the Company will deposit the difference into your account. The amount, if any, will be deposited into your account proportionally across your current investment allocations as of the Valuation Date following the date Customer Service receives proof of death acceptable to us and a payment request in Good Order. If the Beneficiary in that situation requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment, as of the Valuation Date following the date we deposit the difference into your account.If the amount of the death benefit in (a) is less than the amount in (b), and the Beneficiary requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment, as of the Valuation Date following the date Customer Service receives proof of death acceptable to us and a payment request in Good Order. In the event a Beneficiary elects to defer distribution of the death benefit, the amount paid to the Beneficiary when the Beneficiary elects to begin distribution of the death benefit will equal the current Account Value, excluding any amounts taken as a loan, plus or minus any applicable market value adjustment, as of the next Valuation Date following Customer Service’s receipt of the distribution request in Good Order. The amount paid may be more or less than the amount of the death benefit determined above on the date notice of death and an election to defer payment was received. No additional death benefit is payable upon the Beneficiary’s death. Calculating Adjusted Purchase Payments. The adjusted Purchase Payment total above is initially equal to the first Purchase Payment. The adjusted Purchase Payment total is then adjusted for each subsequent Purchase Payment, loan repayment, or partial withdrawal. The adjustment for subsequent Purchase Payments and loan repayments will be dollar for dollar. The adjustment for partial withdrawals, including loans taken, will be proportionate, reducing the adjusted Purchase Payment total in the same proportion that the current Account Value, excluding any amounts taken as loans, was reduced on the date of the partial withdrawal. The proportionate adjustment of the adjusted Purchase Payment total for each partial withdrawal is defined as the adjusted Purchase Payment total at that time, multiplied by the fraction A divided by B (A/B), where: <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">A</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">is the current Account Value, excluding amounts taken as a loan, immediately after the partial withdrawal; and</td></tr></table> <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">B</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">is the current Account Value, excluding amounts taken as a loan, before the partial withdrawal.</td></tr></table> For example, if you have made Purchase Payments of $50,000 and take a partial withdrawal of $10,000 at a time when your Account Value is $60,000, the adjustment to your purchase payment will be $50,000 * $10,000/$60,000 = $8,333, meaning that your new adjusted Purchase Payment is $41,667. If you take a withdrawal when your Account Value is less than your adjusted Purchase Payments, your adjusted Purchase Payments may be reduced by more than your withdrawal. For example, if you have made Purchase Payments of $50,000 and take a partial withdrawal of $10,000 at a time when your Account Value is $40,000, the adjustment to your purchase payment will be $50,000 * $10,000/$40,000 = 12,500, meaning that your new adjusted Purchase Payment is $37,500. There is no additional fee associated with the Adjusted Purchase Payment Guaranteed Death Benefit Option. Tax Code Requirements If the death benefit is not taken in a lump sum by the end of the calendar year following your death, your beneficiary must meet the distribution rules imposed by the Tax Code. These requirements for qualified Contracts have recently changed generally for deaths after January 1, 2020. Subject to certain exceptions most non-spouse beneficiaries must now complete death benefit distributions within ten years of your death in order to satisfy required minimum distribution rules. A beneficiary should consult a tax adviser. Failure to begin receiving death benefit payments within those time periods can result in tax penalties. Regardless of the method of payment, death benefit proceeds will generally be taxed to the Beneficiary in the same manner as if you had received those payments. See “FEDERAL Tax Considerations” for additional information.Certain tax rules apply to distributions from the Contract. A distribution is any amount taken from a contract including withdrawals, Income Phase (i.e., annuity) payments, and death benefit proceeds. If a portion of a distribution is taxable, the distribution will be reported to the IRS. <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 13%; text-align: center">Name of Benefit</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 23%; text-align: center">Purpose</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">Is Benefit Standard or Optional</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">Maximum Fee</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 36%; text-align: center">Brief Description of Restrictions/Limitations</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Account Value Death Benefit</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Death benefit is your Account Value plus any positive aggregate market value adjustment that applies to amounts allocated to the Guaranteed Accumulation Account</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">Standard*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">No additional fee for this benefit</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. (See “Account Value Death Benefit”). </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Return of Purchase Payment Death Benefit</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Death benefit is the greater of: •    Your Account Value plus any positive aggregate market value adjustment that applies to amounts allocated to the Guaranteed Accumulation Account; or •    The sum of payments (minus any applicable premium tax) made to your account minus withdrawals made from your account and any outstanding loan amount.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">Standard*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">No additional fee for this benefit.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> If Beneficiary does not request payment of the death benefit as a lump sum or as an Income Phase payment option within six months of your death, the amount of the death benefit is the Account Value. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; width: 13%; border: Black 1pt solid; text-align: center">Name of Benefit</td> <td style="padding: 4pt; width: 23%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Purpose</td> <td style="padding: 4pt; width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Is Benefit Standard or Optional</td> <td style="padding: 4pt; width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Maximum Fee</td> <td style="padding: 4pt; width: 36%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Brief Description of Restrictions/Limitations</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Adjusted Purchase Payment Guaranteed Death Benefit</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> The death benefit is the greater of (a) or (b), where: (a) Is the adjusted Purchase Payment total, which is the sum of all net Purchase Payments to your account, minus a proportional adjustment for withdrawals and amounts taken as a loan, which amount will never be less than zero; and (b) Is the current Account Value, excluding amounts taken as a loan, plus any positive aggregate market value adjustment, as applicable.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Standard*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">No additional fee for this benefit.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> If the death benefit in (a) is less than the amount in (b), and the Beneficiary requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. </td></tr> <tr> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Asset Rebalancing Program</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Allows you to reallocate your Account Value in the investments and percentages you identify.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Standard</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">No additional fee for this benefit.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Account Values invested in certain investment options may not be available for rebalancing under this program. Subaccount reallocations or changes outside of the asset rebalancing program may affect the program. Changes such as Fund mergers, substitutions or closures may also affect the program. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Systematic Distribution Options</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Allows you to receive regular payments from your account without moving into the Income Phase.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Standard</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">No additional fee for this benefit.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">If not required under the plan, VRIAC may discontinue the availability of one or all of the systematic distribution options at any time and/or change the terms of future elections. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 13%; border: Black 1pt solid; text-align: center">Name of Benefit</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 23%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Purpose</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Is Benefit Standard or Optional</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Maximum Fee</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Brief Description of Restrictions/Limitations</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Loans</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Allows you to borrow against your Account Value.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Standard</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Loan Interest Rate Spread (per annum): 3.00%; or Loan Initiation Fee: $125 per loan; and Annual Loan Administration Fee: $50 per loan.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Amounts borrowed under a Contract do not participate in the investment performance of the Subaccounts and the interest guarantees of the Fixed Interest Options and you may lose the benefit of tax-deferred growth on earnings. Loans, therefore, can affect the Account Value and death benefit whether or not the loan is repaid. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. </td></tr> </table><table border="0" cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 0pt; text-indent: 0pt; width: 18pt">*</td> <td style="padding: 0pt; text-indent: 0pt">One of these death benefits is available under a plan. Participants should refer to their plan documents for available benefits.</td></tr> </table> Account Value Death Benefit Death benefit is your Account Value plus any positive aggregate market value adjustment that applies to amounts allocated to the Guaranteed Accumulation Account true This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. (See “Account Value Death Benefit”). Return of Purchase Payment Death Benefit Death benefit is the greater of: •    Your Account Value plus any positive aggregate market value adjustment that applies to amounts allocated to the Guaranteed Accumulation Account; or •    The sum of payments (minus any applicable premium tax) made to your account minus withdrawals made from your account and any outstanding loan amount. true If Beneficiary does not request payment of the death benefit as a lump sum or as an Income Phase payment option within six months of your death, the amount of the death benefit is the Account Value. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. Adjusted Purchase Payment Guaranteed Death Benefit The death benefit is the greater of (a) or (b), where: (a) Is the adjusted Purchase Payment total, which is the sum of all net Purchase Payments to your account, minus a proportional adjustment for withdrawals and amounts taken as a loan, which amount will never be less than zero; and (b) Is the current Account Value, excluding amounts taken as a loan, plus any positive aggregate market value adjustment, as applicable. true If the death benefit in (a) is less than the amount in (b), and the Beneficiary requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. Asset Rebalancing Program Allows you to reallocate your Account Value in the investments and percentages you identify. true Account Values invested in certain investment options may not be available for rebalancing under this program. Subaccount reallocations or changes outside of the asset rebalancing program may affect the program. Changes such as Fund mergers, substitutions or closures may also affect the program. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits Systematic Distribution Options Allows you to receive regular payments from your account without moving into the Income Phase. true If not required under the plan, VRIAC may discontinue the availability of one or all of the systematic distribution options at any time and/or change the terms of future elections. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits Loans Allows you to borrow against your Account Value. true 0.03 Amounts borrowed under a Contract do not participate in the investment performance of the Subaccounts and the interest guarantees of the Fixed Interest Options and you may lose the benefit of tax-deferred growth on earnings. Loans, therefore, can affect the Account Value and death benefit whether or not the loan is repaid. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. DEATH BENEFITThe Contract provides a death benefit in the event of your death, which is payable to the Beneficiary named under the Contract (“Contract Beneficiary”):<table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Under Contracts issued in connection with most types of plans except most voluntary 403(b) and Roth 403(b) plans, the Contract Holder must be named as the Contract Beneficiary, but may direct that we make any payments to the Beneficiary you name under the plan (“Plan Beneficiary”); and</td></tr></table><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Under most group Contracts issued in connection with voluntary 403(b) and Roth 403(b) plans and under individual Contracts, you may generally designate your own Contract Beneficiary who will normally be your Plan Beneficiary, as well.</td></tr></table>During the Accumulation PhaseFor death benefit information applicable to the Income Phase, see “THE Income Phase – Death Benefit During the Income Phase.”Payment Process<table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Following your death, the Contract Beneficiary (on behalf of the Plan Beneficiary, if applicable) must provide the Company with proof of death acceptable to us and a payment request in Good Order;</td></tr></table><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">The payment request should include selection of a benefit payment option (see below); and</td></tr></table><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Within seven calendar days after Customer Service receives proof of death acceptable to us and a payment request in Good Order, we will mail payment, unless otherwise requested.</td></tr></table>Until a death benefit request is in Good Order and a payment option is selected, account dollars will remain invested as at the time of your death and no distributions will be made.Benefit Payment OptionsThe following payment options are available, if allowed by the Tax Code:<table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Lump-sum payment;</td></tr></table><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Payment in accordance with any of the available Income Phase payment options (see “Income Phase – Income Phase Payment Options”); or</td></tr></table><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Payment in accordance with an available systematic distribution option (subject to certain limitations). See “Systematic Distribution Options.”</td></tr></table>The following options are also available under some Contracts; however, the Tax Code limits how long the death benefit proceeds may be left in these options:<table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Leaving the Account Value invested in the Contract; or</td></tr></table><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Under some Contracts, leaving your Account Value on deposit in the Company’s General Account and receiving monthly, quarterly, semi-annual or annual interest payments at the interest rate currently credited on such deposits. The balance on deposit can be withdrawn at any time or paid in accordance with any of the available Income Phase payment options. See “Income Phase – Income Phase Payment Options.”</td></tr></table>Payment of Death Benefit or ProceedsSubject to the conditions and requirements of state law, full payment of the death benefit or proceeds (“Proceeds”) to a Beneficiary may be made either into an interest bearing retained asset account that is backed by our General Account (described in “The Retained Asset Account” below) or by check. For additional information about the payment options available to you, please refer to your claim forms or contact Customer Service. Beneficiaries should carefully review all settlement and payment options available under the Contract and are encouraged to consult with a financial professional or tax adviser before choosing a settlement or payment option.The Retained Asset Account. The retained asset account, known as the Voya Personal Transition Account, is an interest bearing account backed by our General Account. The retained asset account is not guaranteed by the Federal Deposit Insurance Corporation (“FDIC”) and, as part of our General Account, is subject to the claims of our creditors. Beneficiaries that receive their payment through the retained asset account may access the entire Proceeds in the account at any time without penalty through a draftbook feature. The Company seeks to earn a profit on the account, and interest credited on the account may vary from time to time but will not be less than the minimum rate stated in the supplemental Contract delivered to the Beneficiary together with the paperwork to make a claim to the Proceeds. Interest earned on the Proceeds in the account may be less than could be earned if the Proceeds were invested outside of the account. Likewise, interest credited on the Proceeds in the account may be less than under other settlement or payment options available through the Contract.Death Benefit OptionsThe various death benefit options that may be made available by the Company under the Contract are listed below. Only one of these death benefits is available under your plan. For information about the death benefit applicable to you, please see your certificate/enrollment materials or the Contract (held by the Contract Holder).Account Value Death Benefit. For most Contracts, the death benefit will be based on your Account Value. For amounts held in the Guaranteed Accumulation Account, any positive aggregate market value adjustment (the sum of all market value adjustments calculated due to a withdrawal) will be included in your Account Value. If a negative market value adjustment applies, it would be deducted only if the death benefit is withdrawn more than six months after your death. For some Contracts issued in New York, payments due to your death will include the market value adjustment only if it is positive regardless of whether the death benefit is paid within six months following death. We describe the market value adjustment in “FEES, CHARGES AND ADJUSTMENTS” and the STATEMENT OF ADDITIONAL INFORMATION.The death benefit is calculated as of the next time we value your account following the date on which Customer Service receives proof of death and a payment request in Good Order. In addition to this amount, some states require we pay interest on amounts invested in Fixed Interest Options, calculated from date of death at a rate specified by state law.Return of Purchase Payment Death Benefit. Some Contracts provide a guaranteed death benefit if the Contract Beneficiary (on behalf of the Plan Beneficiary, if applicable) elects a lump-sum distribution or an Income Phase payment option within six months of your death. For those Contracts, the guaranteed death benefit is the greater of:<table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Your Account Value on the day that Customer Service receives proof of death and a request for payment in Good Order plus any positive aggregate market value adjustment that applies to amounts allocated to the Guaranteed Accumulation Account; or</td></tr></table><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">The sum of Purchase Payments (minus any applicable premium tax) made to your account minus withdrawals made from your account and any outstanding loan amount.</td></tr></table>In the event that the Contract Beneficiary does not request payment of the death benefit as a lump sum or as an Income Phase payment option within six months of your death, the amount of the death benefit is the Account Value as of the next valuation following Customer Service’s receipt of acceptable proof of death and a payment request in Good Order. See the Contract and/or certificate/enrollment materials for treatment of amounts held in the Guaranteed Accumulation Account.There is no additional fee associated with the Return of Purchase Payment Death Benefit Option.Adjusted Purchase Payment Guaranteed Death Benefit. Under another form of guaranteed death benefit that may be available under certain Contracts, the death benefit payable under the Contract will never be less than the amount of adjusted Purchase Payments made to your account (as defined below), less a proportional adjustment for amounts withdrawn or borrowed from your account. The charge for this guaranteed death benefit, if any, is included within the mortality and expense risk charge applicable under your Contract, and is one of the factors we evaluate when we determine the mortality and expense risk charge applicable to your group Contract. See “CHARGES, Fees AND ADJUSTMENTS – Periodic Fees and Charges - Mortality and Expense Risk Charge.”Calculating the Adjusted Purchase Payment Guaranteed Death Benefit. The death benefit under the Adjusted Purchase Payment Guaranteed Death Benefit is guaranteed to be the greater of (a) or (b) as calculated as of the next Valuation Date following Customer Service’s receipt of proof of death and a payment request in Good Order where:<table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">(a)</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">is the adjusted Purchase Payment total, which is the sum of all net Purchase Payments to your account, minus a proportional adjustment for withdrawals and amounts taken as a loan, which amount will never be less than zero (see “Calculating Adjusted Purchase Payments” below); and</td></tr></table><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">(b)</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">is the current Account Value, excluding amounts taken as a loan, plus any positive aggregate market value adjustment, as applicable. See “FEES, CHARGES AND ADJUSTMENTS” and the STATEMENT OF ADDITIONAL INFORMATION for further information regarding the market value adjustment.</td></tr></table>If the amount of the death benefit in (a) is greater than the amount in (b), the Company will deposit the difference into your account. The amount, if any, will be deposited into your account proportionally across your current investment allocations as of the Valuation Date following the date Customer Service receives proof of death acceptable to us and a payment request in Good Order.If the Beneficiary in that situation requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment, as of the Valuation Date following the date we deposit the difference into your account.If the amount of the death benefit in (a) is less than the amount in (b), and the Beneficiary requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment, as of the Valuation Date following the date Customer Service receives proof of death acceptable to us and a payment request in Good Order.In the event a Beneficiary elects to defer distribution of the death benefit, the amount paid to the Beneficiary when the Beneficiary elects to begin distribution of the death benefit will equal the current Account Value, excluding any amounts taken as a loan, plus or minus any applicable market value adjustment, as of the next Valuation Date following Customer Service’s receipt of the distribution request in Good Order. The amount paid may be more or less than the amount of the death benefit determined above on the date notice of death and an election to defer payment was received. No additional death benefit is payable upon the Beneficiary’s death.Calculating Adjusted Purchase Payments. The adjusted Purchase Payment total above is initially equal to the first Purchase Payment. The adjusted Purchase Payment total is then adjusted for each subsequent Purchase Payment, loan repayment, or partial withdrawal. The adjustment for subsequent Purchase Payments and loan repayments will be dollar for dollar. The adjustment for partial withdrawals, including loans taken, will be proportionate, reducing the adjusted Purchase Payment total in the same proportion that the current Account Value, excluding any amounts taken as loans, was reduced on the date of the partial withdrawal. The proportionate adjustment of the adjusted Purchase Payment total for each partial withdrawal is defined as the adjusted Purchase Payment total at that time, multiplied by the fraction A divided by B (A/B), where:<table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">A</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">is the current Account Value, excluding amounts taken as a loan, immediately after the partial withdrawal; and</td></tr></table><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">B</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">is the current Account Value, excluding amounts taken as a loan, before the partial withdrawal.</td></tr></table>For example, if you have made Purchase Payments of $50,000 and take a partial withdrawal of $10,000 at a time when your Account Value is $60,000, the adjustment to your purchase payment will be $50,000 * $10,000/$60,000 = $8,333, meaning that your new adjusted Purchase Payment is $41,667. If you take a withdrawal when your Account Value is less than your adjusted Purchase Payments, your adjusted Purchase Payments may be reduced by more than your withdrawal. For example, if you have made Purchase Payments of $50,000 and take a partial withdrawal of $10,000 at a time when your Account Value is $40,000, the adjustment to your purchase payment will be $50,000 * $10,000/$40,000 = 12,500, meaning that your new adjusted Purchase Payment is $37,500.There is no additional fee associated with the Adjusted Purchase Payment Guaranteed Death Benefit Option.Tax Code RequirementsIf the death benefit is not taken in a lump sum by the end of the calendar year following your death, your beneficiary must meet the distribution rules imposed by the Tax Code. These requirements for qualified Contracts have recently changed generally for deaths after January 1, 2020. Subject to certain exceptions most non-spouse beneficiaries must now complete death benefit distributions within ten years of your death in order to satisfy required minimum distribution rules. A beneficiary should consult a tax adviser. Failure to begin receiving death benefit payments within those time periods can result in tax penalties. Regardless of the method of payment, death benefit proceeds will generally be taxed to the Beneficiary in the same manner as if you had received those payments. See “FEDERAL Tax Considerations” for additional information. Benefit Payment OptionsThe following payment options are available, if allowed by the Tax Code:<table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Lump-sum payment;</td></tr></table><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Payment in accordance with any of the available Income Phase payment options (see “Income Phase – Income Phase Payment Options”); or</td></tr></table><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Payment in accordance with an available systematic distribution option (subject to certain limitations). See “Systematic Distribution Options.”</td></tr></table>The following options are also available under some Contracts; however, the Tax Code limits how long the death benefit proceeds may be left in these options: Death Benefit OptionsThe various death benefit options that may be made available by the Company under the Contract are listed below. Only one of these death benefits is available under your plan. For information about the death benefit applicable to you, please see your certificate/enrollment materials or the Contract (held by the Contract Holder).Account Value Death Benefit. For most Contracts, the death benefit will be based on your Account Value. For amounts held in the Guaranteed Accumulation Account, any positive aggregate market value adjustment (the sum of all market value adjustments calculated due to a withdrawal) will be included in your Account Value. If a negative market value adjustment applies, it would be deducted only if the death benefit is withdrawn more than six months after your death. For some Contracts issued in New York, payments due to your death will include the market value adjustment only if it is positive regardless of whether the death benefit is paid within six months following death. We describe the market value adjustment in “FEES, CHARGES AND ADJUSTMENTS” and the STATEMENT OF ADDITIONAL INFORMATION.The death benefit is calculated as of the next time we value your account following the date on which Customer Service receives proof of death and a payment request in Good Order. In addition to this amount, some states require we pay interest on amounts invested in Fixed Interest Options, calculated from date of death at a rate specified by state law.Return of Purchase Payment Death Benefit. Some Contracts provide a guaranteed death benefit if the Contract Beneficiary (on behalf of the Plan Beneficiary, if applicable) elects a lump-sum distribution or an Income Phase payment option within six months of your death. For those Contracts, the guaranteed death benefit is the greater of:<table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Your Account Value on the day that Customer Service receives proof of death and a request for payment in Good Order plus any positive aggregate market value adjustment that applies to amounts allocated to the Guaranteed Accumulation Account; or</td></tr></table><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">The sum of Purchase Payments (minus any applicable premium tax) made to your account minus withdrawals made from your account and any outstanding loan amount.</td></tr></table>In the event that the Contract Beneficiary does not request payment of the death benefit as a lump sum or as an Income Phase payment option within six months of your death, the amount of the death benefit is the Account Value as of the next valuation following Customer Service’s receipt of acceptable proof of death and a payment request in Good Order. See the Contract and/or certificate/enrollment materials for treatment of amounts held in the Guaranteed Accumulation Account.There is no additional fee associated with the Return of Purchase Payment Death Benefit Option.Adjusted Purchase Payment Guaranteed Death Benefit. Under another form of guaranteed death benefit that may be available under certain Contracts, the death benefit payable under the Contract will never be less than the amount of adjusted Purchase Payments made to your account (as defined below), less a proportional adjustment for amounts withdrawn or borrowed from your account. The charge for this guaranteed death benefit, if any, is included within the mortality and expense risk charge applicable under your Contract, and is one of the factors we evaluate when we determine the mortality and expense risk charge applicable to your group Contract. See “CHARGES, Fees AND ADJUSTMENTS – Periodic Fees and Charges - Mortality and Expense Risk Charge.”Calculating the Adjusted Purchase Payment Guaranteed Death Benefit. The death benefit under the Adjusted Purchase Payment Guaranteed Death Benefit is guaranteed to be the greater of (a) or (b) as calculated as of the next Valuation Date following Customer Service’s receipt of proof of death and a payment request in Good Order where:<table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">(a)</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">is the adjusted Purchase Payment total, which is the sum of all net Purchase Payments to your account, minus a proportional adjustment for withdrawals and amounts taken as a loan, which amount will never be less than zero (see “Calculating Adjusted Purchase Payments” below); and</td></tr></table><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">(b)</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">is the current Account Value, excluding amounts taken as a loan, plus any positive aggregate market value adjustment, as applicable. See “FEES, CHARGES AND ADJUSTMENTS” and the STATEMENT OF ADDITIONAL INFORMATION for further information regarding the market value adjustment.</td></tr></table>If the amount of the death benefit in (a) is greater than the amount in (b), the Company will deposit the difference into your account. The amount, if any, will be deposited into your account proportionally across your current investment allocations as of the Valuation Date following the date Customer Service receives proof of death acceptable to us and a payment request in Good Order.If the Beneficiary in that situation requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment, as of the Valuation Date following the date we deposit the difference into your account.If the amount of the death benefit in (a) is less than the amount in (b), and the Beneficiary requests an immediate payment or begins Income Phase payments, the amount paid will be the current Account Value, excluding any amounts taken as a loan, plus any aggregate positive market value adjustment, as of the Valuation Date following the date Customer Service receives proof of death acceptable to us and a payment request in Good Order.In the event a Beneficiary elects to defer distribution of the death benefit, the amount paid to the Beneficiary when the Beneficiary elects to begin distribution of the death benefit will equal the current Account Value, excluding any amounts taken as a loan, plus or minus any applicable market value adjustment, as of the next Valuation Date following Customer Service’s receipt of the distribution request in Good Order. The amount paid may be more or less than the amount of the death benefit determined above on the date notice of death and an election to defer payment was received. No additional death benefit is payable upon the Beneficiary’s death.Calculating Adjusted Purchase Payments. The adjusted Purchase Payment total above is initially equal to the first Purchase Payment. The adjusted Purchase Payment total is then adjusted for each subsequent Purchase Payment, loan repayment, or partial withdrawal. The adjustment for subsequent Purchase Payments and loan repayments will be dollar for dollar. The adjustment for partial withdrawals, including loans taken, will be proportionate, reducing the adjusted Purchase Payment total in the same proportion that the current Account Value, excluding any amounts taken as loans, was reduced on the date of the partial withdrawal. The proportionate adjustment of the adjusted Purchase Payment total for each partial withdrawal is defined as the adjusted Purchase Payment total at that time, multiplied by the fraction A divided by B (A/B), where:<table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">A</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">is the current Account Value, excluding amounts taken as a loan, immediately after the partial withdrawal; and</td></tr></table><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;"><tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 0"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 12.95pt">B</td><td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">is the current Account Value, excluding amounts taken as a loan, before the partial withdrawal.</td></tr></table>For example, if you have made Purchase Payments of $50,000 and take a partial withdrawal of $10,000 at a time when your Account Value is $60,000, the adjustment to your purchase payment will be $50,000 * $10,000/$60,000 = $8,333, meaning that your new adjusted Purchase Payment is $41,667. If you take a withdrawal when your Account Value is less than your adjusted Purchase Payments, your adjusted Purchase Payments may be reduced by more than your withdrawal. For example, if you have made Purchase Payments of $50,000 and take a partial withdrawal of $10,000 at a time when your Account Value is $40,000, the adjustment to your purchase payment will be $50,000 * $10,000/$40,000 = 12,500, meaning that your new adjusted Purchase Payment is $37,500. APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT The Variable Options and Fixed Interest Options available to you may vary based on employer. You should refer to your plan documents for a list of available Investment Options. If you have any questions about any limitations, restrictions, or other variations related to the investment options available to you, please reach out to your financial institution or broker-dealer. For more information, see “OTHER TOPICS – Financial Intermediary Variations” section of this Prospectus. Additionally, some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain investment options. Variable Options The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at https://vpx.broadridge.com/getcontract1.asp?dtype=pros&cid=voyavpx&fid=NRVA00979. You can also request this information at no cost by calling Customer Service at 1-800-584-6001 or by sending an email request to ProspectusRequests@voya.com. The current expenses and performance information below reflects fee and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Fund’s past performance is not necessarily an indication of future performance. <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 29%; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Alger Responsible Investing Fund (Class A)** Investment Adviser: Fred Alger Management, LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 1.10%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 15.89% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 11.33% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 14.80% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Allspring Small Company Growth Fund (Institutional Class)**,*** Investment Adviser: Allspring Funds Management, LLC Subadviser: Peregrine Capital Management, Inc. </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.94%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.53%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">3.93%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.47%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">* </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">Effective September 12, 2025, the Allspring Small Company Growth Fund Administrator Class shares converted into Institutional Class shares.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid"> Allspring Special Small Cap Value Fund (Class A)*** Investment Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid"> 1.24% </td> <td style="padding: 4pt; border-right: Black 1pt solid"> -3.10% </td> <td style="padding: 4pt; border-right: Black 1pt solid"> 6.14% </td> <td style="padding: 4pt; border-right: Black 1pt solid"> 7.98% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to provide long-term capital appreciation.</td> <td style="padding: 4pt; width: 26%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AMG River Road Mid Cap Value Fund (Class N)*** Investment Adviser: AMG Funds LLC Subadviser: River Road Asset Management, LLC</td> <td style="padding: 4pt; width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.11%* </td> <td style="padding: 4pt; width: 11%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.75% </td> <td style="padding: 4pt; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.50% </td> <td style="padding: 4pt; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.79% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term capital growth, consistent with Islamic principles.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Amana Growth Fund (Investor Shares)*** Investment Adviser: Saturna Capital Corporation</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.86%** </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.75%** </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.42%** </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.46%** </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks current income and preservation of capital, consistent with Islamic principles. Current income is the Fund’s primary objective.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Amana Income Fund (Investor Shares)*** Investment Adviser: Saturna Capital Corporation</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.01%** </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.88%** </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.31%** </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.62%** </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term capital growth by investing in common stocks. Income is a secondary objective. </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Century Investments® Disciplined Value Fund (Class A)***,****,***** Investment Adviser: American Century Investment Management, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.90% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.62% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.54% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.17% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to provide total return and inflation protection consistent with investment in inflation-indexed securities.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Century Investments® Inflation-Adjusted Bond Fund (Investor Class)*** Investment Adviser: American Century Investment Management, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.54% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.67% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.84% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 2.70% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This information is being provided based on the fund’s most recent prospectus filing.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**** </td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">The American Century Investments® Disciplined Value Fund is only available to plans offering the Fund prior to May 1, 2002.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">*****</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">Effective March 10, 2026, the American Century Investments® Disciplined Core Value Fund (Class A) will be renamed the American Century Investments® Disciplined Value Fund (Class A).</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks (1) to provide a level of current income that exceeds the average yield on U.S. stocks generally and (2) to provide a growing stream of income over the years. The Fund’s secondary objective is to provide growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> American Funds® – Capital Income Builder (Class R4)* Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.61% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 20.34% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 9.06% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 7.80% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Funds® – EUPAC Fund® (Class R3)*,** Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.12% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 28.35% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.91% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.75% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Funds® – EUPAC Fund® (Class R4)*,*** Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.82% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 28.71% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 4.22% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.08% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to achieve long-term growth of capital and income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Funds® – Fundamental Investors® (Class R4)* Investment Adviser: Capital Research and Management CompanySM </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.62% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 24.24% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.42% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.04% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 4%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 96%">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective June 2, 2025, the American Funds® EuroPacific Growth Fund® (Class R3) changed its name to the American Funds® EUPAC Fund® (Class R3).</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective June 2, 2025, the American Funds® EuroPacific Growth Fund® (Class R4) changed its name to the American Funds® EUPAC Fund® (Class R4).</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide long-term growth of capital. However, future income will remain a consideration in the management of the Fund.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> American Funds® – New Perspective Fund® Class R4)** Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.75% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 21.20% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.99% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 12.65% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Funds® – SMALLCAP World Fund® (Class R4)** Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.00% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.04% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.42% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.86% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide as high a level of current income as is consistent with the preservation of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Funds® – The Bond Fund of America® (Class R4)** Investment Adviser: Capital Research and Management CompanySM </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.58%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.16% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -0.36% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 2.21% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> American Funds® – The Growth Fund of America (Class R4)** Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.63% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 19.88% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 11.76% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 15.11% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to produce income and to provide an opportunity for growth of principal consistent with sound common stock investing.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Funds® – Washington Mutual Investors FundSM (Class R4)** Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.75%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 16.90% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.60% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.08% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Ariel Fund (Investor Class)** Investment Adviser: Ariel Investments, LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.01% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.15% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.36% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.51% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks maximum long-term capital growth.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Artisan International Fund (Investor Shares)** Investment Adviser: Artisan Partners Limited Partnership</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.19% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 36.03% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.56% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.26% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide increasing dividend income over time, long-term growth of capital, and a reasonable level of current income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Ave Maria Rising Dividend Fund** Investment Adviser: Schwartz Investment Counsel, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.90% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -0.39% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.90% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.31% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Capital appreciation through long-term investments primarily in securities of small-sized growth companies.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Baron Growth Fund (Retail Shares) Investment Adviser: BAMCO</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.39%%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">-14.41%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">-0.94%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.78%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> BlackRock Health Sciences Opportunities Portfolio (Investor A)** Investment Adviser: BlackRock Advisors, LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.09% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.98% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.58% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.54% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks capital appreciation and, secondarily, income, by investing in securities, primarily equity securities that Fund management believes are undervalued and therefore represent an investment value.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> BlackRock Mid Cap Value Fund (Investor A)** Investment Adviser: BlackRock Advisors, LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.00%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.43% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.91% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.75% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide a competitive total return through an actively managed portfolio of stocks, bonds and money market instruments which offer income and capital growth opportunity.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Calvert VP SRI Balanced Portfolio (Class I) Investment Adviser: Calvert Research and Management</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.65% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 11.48% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.68% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 9.81% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">The investment objective of the Fund is total return through investment in real estate securities.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Cohen & Steers Real Estate Securities Fund, Inc. (Class A)** Investment Adviser: Cohen & Steers Capital Management, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.10% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 4.00% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.40% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.36% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Columbia Acorn® Fund (Class S) Investment Adviser: Columbia Wanger Asset Management, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.82%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">4.80%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.07%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.54%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide shareholders with a high level of current income and, as a secondary objective, steady growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Columbia Intrinsic Value Fund - Institutional Class Investment Adviser: Columbia Management Investment Advisers, LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.72%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"> 19.91%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"> 12.42%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"> 11.44%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Columbia Select Mid Cap Value Fund (Class A) Investment Adviser: Columbia Management Investment Advisers, LLC</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 1.13% </td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 13.62% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 11.06% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 10.19% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Columbia Variable Portfolio – Acorn Fund** Investment Adviser: Columbia Wanger Asset Management, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.91%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.47%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.02%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.66%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Columbia Variable Portfolio - Acorn International Fund*** Investment Adviser: Columbia Wanger Asset Management, LLC.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.08%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> 12.76%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> -1.00%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> 4.31%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seek total return consisting of capital appreciation and current income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Dimensional VA Global Moderate Allocation Portfolio (Institutional Shares)**** Investment Adviser: Dimensional Fund Advisors LP</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.28%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.68%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.42%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.65%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Fidelity Advisor® International Small Cap Opportunities Fund (Class A)**** Investment Adviser: Fidelity Management & Research Company LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.26%(1)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-2.12%(1)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2.51%(1)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">6.22%(1)</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective at the opening of business on June 2, 2025, the Wanger Acorn Fund changed its name to the Columbia Variable Portfolio – Acorn Fund.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective at the opening of business on June 2, 2025, the Wanger International Fund changed its name to the Columbia Variable Portfolio – Acorn International Fund.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">****</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective on or about May 15, 2026, the Voya Global Perspectives® Portfolio (Class I) is liquidating and will be replaced by the Dimensional VA Global Moderate Allocation Portfolio (Institutional Class).</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">*****</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective May 1, 2026, the Fund has been added to the Variable Investment Options Available Under the Contract in the Appendix.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">1</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This information is being provided based on the fund’s most recent prospectus filing.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Fidelity® VIP ContrafundSM Portfolio (Initial Class) Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.54%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">21.52%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">15.37%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">15.78%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks reasonable income. Also considers the potential for capital appreciation. Seeks to achieve a yield which exceeds the composite yield on the securities comprising the S&P 500® Index.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Fidelity® VIP Equity-Income PortfolioSM (Initial Class) Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.46%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">19.02%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">12.51%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">11.60%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to achieve capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Fidelity® VIP Growth Portfolio (Initial Class) Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.55% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.92% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.70% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 17.45% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Fidelity® VIP Mid Cap Portfolio (Initial Class)** Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.55% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.75% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.10% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.59% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="text-align: left; padding: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="padding: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="text-align: left; padding: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="padding: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">The Fidelity® VIP Mid Cap Portfolio is not available to all plans. Availability is subject to Company and/or Plan sponsor approval.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term growth of capital.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Fidelity® VIP Overseas Portfolio (Initial Class)** Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited, Fidelity Management & Research (Japan) Limited, FIL Investment Advisors, FIL Investment Advisors (UK) and FIL Investments (Japan) Limited</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.72% </td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 20.39% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 6.62% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 7.93% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term total return. Under normal market conditions, the Fund invests at least 80% of its net assets in investments of small-capitalization companies.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Franklin Small Cap Value VIP Fund (Class 2)*** Investment Adviser: Franklin Mutual Advisers, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.91%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.65% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.86% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.81% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks income and conservation of principal and secondarily long-term growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Impax Sustainable Allocation Fund *(Investor Class)**** Investment Adviser: Impax Asset Management LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.93% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.86% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.38% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.68% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Invesco Developing Markets Fund (Class A)****,***** Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.30% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 21.27% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -1.65% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.40% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Invesco Main Street Mid Cap Fund (Class A) **** Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.04% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.92% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.99% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.73% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The Fidelity® VIP Overseas Portfolio is only available to plans offering the Fund prior to May 1, 2004.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">The Franklin Small Cap Value VIP Fund is closed to investment by new Investors. Existing retirement plans and individual Investors who have investment in the Subaccount that corresponds to this fund may leave their investment in that Subaccount and may continue to make additional purchases and exchanges.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">****</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">*****</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The Invesco Developing Markets Fund is only available to plans offering the Fund prior to April 12, 2013.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Invesco Main Street Fund (Class A) Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; border-right: Black 1pt solid; text-align: center">0.79%</td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; border-right: Black 1pt solid; text-align: center">9.55%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; border-right: Black 1pt solid; text-align: center">12.44%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; border-right: Black 1pt solid; text-align: center">12.50%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">A non-diversified Fund that seeks capital growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Invesco V.I. American Franchise Fund (Series I) Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.85% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.67% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10.35%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.87% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Invesco V.I. Core Equity Fund (Series I) Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.80% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 16.17% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">12.81%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.73% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Invesco V.I. Global Fund (Series I)** Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.81% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.32% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.28% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.00% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Invesco V.I. Global Strategic Income Fund (Series I)** Investment Adviser: Invesco Advisers, Inc. </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.95%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.98% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.65% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.01% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">The Invesco V.I. Global Fund and the Invesco V.I. Global Strategic Income Fund are only available to a limited number of participants, who did not participate in the Fund substitution during April 2005.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks total return.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Invesco V.I. Main Street Small Cap Fund® (Series I) Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.84% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.70% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.34% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 10.59% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital growth, consistent with preservation of capital and balanced by current income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Janus Henderson Balanced Portfolio (Institutional Shares)** Investment Adviser: Janus Henderson US LLC (Janus Henderson)</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.62% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.11% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.48% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.14% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Janus Henderson Enterprise Portfolio (Institutional Shares)**,*** Investment Adviser: Janus Henderson US LLC (Janus Henderson)</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.72% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.67% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.62% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.79% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to obtain maximum total return, consistent with preservation of capital. </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Janus Henderson Flexible Bond Portfolio (Institutional Shares)** Investment Adviser: Janus Henderson US LLC (Janus Henderson)</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.57%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.40% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -0.23% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 2.32% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Janus Henderson Global Research Portfolio (Institutional Shares** Investment Adviser: Janus Henderson US LLC (Janus Henderson)</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.82% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 20.92% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">12.51%</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.93% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital. </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Janus Henderson Research Portfolio (Institutional Shares)**,*** Investment Adviser: Janus Henderson US LLC (Janus Henderson) </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.82% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 18.39% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.11% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.88% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The Janus Henderson Balanced Portfolio, the Janus Henderson Flexible Bond Portfolio, the Janus Henderson Global Research Portfolio, and the Janus Henderson Research Portfolio are only available to a limited number of participants, who did not participate in the Fund substitution during April 2005.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The Janus Henderson Enterprise Portfolio is closed to new retirement plans. Existing retirement plans and individual Investors that purchase through non-retirement plan products can still invest new money into the Fund.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/205)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Lazard International Equity Portfolio (Open Shares)*** Investment Adviser: Lazard Asset Management LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">1.10%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">33.12% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">7.95% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">6.82%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to maximize long-term capital appreciation, while incorporating Catholic values investing principles in the investment process.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> LKCM Aquinas Catholic Equity Fund**** Investment Adviser: Luther King Capital Management Corporation</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.00%*,** </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.37%** </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.51%** </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.80%** </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital growth from investments in common stocks or other equity securities.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Loomis Sayles Small Cap Value Fund (Retail Class)**** Investment Adviser: Loomis, Sayles & Company, L.P.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.15%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.18% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.51% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.73% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital and income without excessive fluctuations in market value.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Lord Abbett Series Fund, Inc. – Growth and Income Portfolio (Class VC) Investment Adviser: Lord, Abbett & Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.93%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">17.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">13.34%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">11.12%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to deliver long-term growth of capital by investing primarily in stocks of mid-sized U.S. companies.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Lord Abbett Series Fund, Inc. – Mid Cap Stock Portfolio (Class VC) Investment Adviser: Lord, Abbett & Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.15% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.05% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.16% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.98% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This information is being provided based on the fund’s most recent prospectus filing.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">****</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The LKCM Aquinas Catholic Equity Fund is not available to all plans. Availability is subject to Company and/or Plan Sponsor approval.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to deliver a high level of current income consistent with the preservation of capital by investing in a variety of short maturity debt securities including, investment grade and high yield corporate bonds, U.S. government securities, and mortgage- and other asset-backed debt securities.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Lord Abbett Short Duration Income Fund (Class R4)** Investment Adviser: Lord, Abbett & Co. LLC</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.63% </td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 5.90% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 2.39% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 2.76% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to provide growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Nomura Science and Technology Fund (Class Y)*** Investment Adviser: Delaware Management Company</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.17%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 33.80% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.04% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 17.59% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Nomura Small Cap Value Fund (Class A) Investment Adviser: Delaware Management Company</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1.49%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">7.58%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">8.15%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Massachusetts Investors Growth Stock Fund (Class A) Investment Adviser: Massachusetts Financial Services Company</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.71% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.88% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.08% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.32% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective October 31, 2025, the name of the Macquarie Science and Technology Fund changed to the Nomura Science and Technology Fund.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term growth of capital by investing primarily in securities of companies that meet the Fund’s environmental, social and governance (ESG) criteria.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Neuberger Quality Equity Fund (Trust Class)***,**** Investment Adviser: Neuberger Berman Investment Advisers LLC</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 1.04% </td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 17.18% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 13.68% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 13.28% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks maximum real return, consistent with prudent investment management.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PIMCO CommodityRealReturn Strategy Fund® (Administrative Class)** Investment Adviser: Pacific Investment Management Company LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.19%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 18.79% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.55% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.54% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks maximum real return, consistent with preservation of real capital and prudent investment management.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PIMCO VIT Real Return Portfolio (Administrative Class) Investment Adviser: Pacific Investment Management Company LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1.39%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">7.85%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1.21%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">3.21%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Aims to maximize total return over the course of a market cycle by following a value-based discipline that adjusts portfolio risk profiles over time.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> TCW MetWest Total Return Bond Fund (Class M) Investment Adviser: TCW Metropolitan West Asset Management, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">0.65%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"> 7.58%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">-0.76% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1.86% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective July 28, 2025, the name of the Neuberger Berman Sustainable Equity Fund changed to the Neuberger Equity Fund.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">****</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The Neuberger Quality Equity Fund is closed to new retirement plans.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to maximize current income and achieve above average total return consistent with prudent investment management over a full market cycle.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> TCW Securitized Bond Fund (Class N) Investment Adviser: TCW Investment Management Company</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.70%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">8.71%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">-0.97%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">1.45%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks current income with capital appreciation and growth of income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Templeton Global Bond Fund (Class A)** Investment Adviser: Franklin Advisers, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.02%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.40% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -2.02% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -0.45% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> The Hartford Capital Appreciation Fund (Class R4)**, *** Investment Adviser: Hartford Funds Management Company, LLC (“HFMC”) Subadviser: Wellington Management Company, LLP</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.11% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.33% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.36% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.94% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks a high level of current income consistent with growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> The Hartford Dividend and Growth Fund (Class R4)**,*** Investment Adviser: Hartford Funds Management Company, LLC (“HFMC”) Subadviser: Wellington Management Company, LLP </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.04% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 16.73% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.12% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.96% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif"> The Hartford International Opportunities Fund (Class R4)**, *** Investment Adviser: Hartford Funds Management Company, LLC (“HFMC”) Subadviser: Wellington Management Company, LLP</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif"> 1.10% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif"> 29.80% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif"> 6.52% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif"> 7.71% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The Funds are not available to all plans. Availability is subject to Company and/or Plan Sponsor approval.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of a benchmark index that measures the performance of publicly traded equity REITs and other real estate-related investments.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Vanguard® Real Estate Index Fund (Admiral™ Shares) Investment Adviser: The Vanguard Group, Inc. (Vanguard) </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.13%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">3.19%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">4.64%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">5.14%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks high current income without undue risk to principal.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Victory Core Plus Intermediate Bond Fund (Class A Shares)** Investment Adviser: Victory Capital Management Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.88% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.23% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.60% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.27% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks current income and long-term capital growth primarily through income-producing equity securities of U.S. companies.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Victory Pioneer Equity Income Fund (Class A) Investment Adviser: Victory Capital Management Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.00%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">11.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.89%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.11%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital growth.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Victory Pioneer Global Equity Fund (Class A)1 Investment Adviser: Victory Capital Management Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.10%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">41.08%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">15.40%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">12.75%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">Effective May 1, 2026, the Fund has been added to the Variable Investment Options Available Under the Contract in the Appendix.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Maximize total return through a combination of income and capital appreciation.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Victory Pioneer High Yield VCT Portfolio (Class I) Investment Adviser: Amundi Asset Management US, Inc.</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.97%*</td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.16%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">4.21%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">5.49%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Victory Pioneer Mid Cap Value VCT Portfolio (Class I) Investment Adviser: Victory Capital Management Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.76%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.19%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.16%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.01%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">A non-diversified Fund that seeks long-term capital appreciation and to protect the purchasing power of your capital against inflation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Victory Precious Metals and Minerals Fund (Class A Shares)** Investment Adviser: Victory Capital Management Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.14%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.76%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.34%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.71%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">The fund seeks long-term capital appreciation with a secondary investment objective of income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Virtus Duff & Phelps Global Real Estate Securities Fund (Class A)** Investment Adviser: Virtus Investment Advisers, Inc. Subadviser: Duff & Phelps Investment Management Co.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.24%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.50% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.78% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.68% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks total return consisting of capital appreciation (both realized and unrealized) and current income; the secondary investment objective is long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Balanced Income Portfolio (Class I)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.58%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 11.96% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 5.92% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 7.16% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to outperform the S&P 500® Index.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Corporate Leaders® 100 Fund (Class I)*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.49%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 17.80% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.58% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.96% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to maximize total return through a combination of current income and capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Global Bond Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.69%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.80% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -2.30% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.82% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to maximize total returns and maintain lower volatility relative to the overall market.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Global High Dividend Low Volatility Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.60%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">19.00%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10.52%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.05%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective on or about July 24, 2026, the Voya Balanced Income Portfolio will change its name to the Voya Balanced Income Fund.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to maximize total returns and maintain lower volatility relative to the overall market.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Global High Dividend Low Volatility Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.85%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">18.73%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">10.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">8.78%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to maximize total returns and maintain lower volatility relative to the overall market.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Global High Dividend Low Volatility Portfolio (Class S2) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.00%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">18.47%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10.08%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.63%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Global Insights Portfolio (Class I)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC*</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.81%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 24.31% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.21% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.97% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Global Insights Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.06%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">24.14%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">6.96%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10.70%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border-right: Black 1pt solid">Seeks total return.</td> <td style="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border-right: Black 1pt solid"> Voya Global Perspectives® Portfolio (Class I)*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border-right: Black 1pt solid; text-align: center">0.85%*</td> <td style="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border-right: Black 1pt solid; text-align: center">14.23%</td> <td style="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border-right: Black 1pt solid; text-align: center">3.46%</td> <td style="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border-right: Black 1pt solid; text-align: center">6.38%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective on or about July 17, 2026, the name of the Voya Global Insights Portfolio will change to the Voya Global Insights Fund.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective on or about May 15, 2026, the Voya Global Perspectives® Portfolio (Class I) is liquidating and will be replaced by the Dimensional VA Global Moderate Allocation Portfolio (Institutional Class).</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks a high level of current income consistent with liquidity and safety of principal through investment primarily in Government National Mortgage Association (“GNMA”) mortgage-backed securities (also known as GNMA Certificates) that are guaranteed as to the timely payment of principal and interest by the U.S. government.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya GNMA Income Fund (Class A) ** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.54%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 7.36% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.23% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 1.14% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks a high level of current income consistent with liquidity and safety of principal through investment primarily in Government National Mortgage Association (“GNMA”) mortgage-backed securities (also known as GNMA Certificates) that are guaranteed as to the timely payment of principal and interest by the U.S. government.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya GNMA Income Fund (Class I)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.54%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">7.68%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.51%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.69%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide investors with a high level of current income consistent with preservation of capital and liquidity and the maintenance of a stable $1.00 net asset value per share.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Government Money Market Fund (Class A) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.35%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">4.07%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">3.06%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.93%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to provide high current return, consistent with preservation of capital and liquidity, through investment in high-quality money market instruments while maintaining a stable share price of $1.00.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Government Money Market Portfolio (Class I)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.40%* </td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 4.02% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 3.02% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 1.96% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to maximize total return through investments in a diversified portfolio of common stock and securities convertible into common stocks. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Growth and Income Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.67%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 18.21% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.46% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.62% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to maximize total return through investments in a diversified portfolio of common stock and securities convertible into common stocks. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Growth and Income Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">0.92%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">18.21%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">15.46%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">14.62%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to provide Investors with a high level of current income and total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya High Yield Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">0.50%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">8.80%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">3.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5.82%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">There is no guarantee that the Voya Government Money Market Portfolio Subaccount will have a positive or level return.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide Investors with a high level of current income and total return.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya High Yield Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.75% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.41% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 3.66% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 5.55% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to outperform the total return performance of the S&P 500® Index while maintaining a market level of risk.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Index Plus LargeCap Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.55%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.20% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.73% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.90% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to outperform the total return performance of the S&P MidCap 400® Index while maintaining a market level of risk. </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Voya Index Plus MidCap Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.60%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.16% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.90% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.75% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to outperform the total return performance of the S&P SmallCap 600® Index while maintaining a market level of risk.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Index Plus SmallCap Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.60%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.27% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.97% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.23% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2030. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Index Solution 2030 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.48%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">15.09%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">6.41%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">8.15%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2035. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Index Solution 2035 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.47%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">16.85%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">7.38%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.98%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2040. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Index Solution 2040 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.49%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">18.58%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">8.64%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">9.87%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2045. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Index Solution 2045 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.47%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">19.84%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.48%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10.40%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS The Variable Investment Options - Funds of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2050. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Index Solution 2050 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.51%*</td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">20.23%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.69%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.50%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2055. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Index Solution 2055 Portfolio (Class S) ** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.51%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">20.38%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.76%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.54%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2060. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Index Solution 2060 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.50%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">20.37%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">9.81%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">10.61%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2065. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Index Solution 2065 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.50%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">20.57%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.89%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">N/A</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2070. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Index Solution 2070 Portfolio (Class S)**,*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.50%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">N/A</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Index Solution Income Portfolio (Class S)**** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.46%*</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.56% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.61% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.18% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to maximize total return consistent with reasonable risk. The Portfolio seeks its objective through investments in a diversified portfolio consisting primarily of debt securities. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Intermediate Bond Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.55%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.71% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.15% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 2.66% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks maximum total return.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya International High Dividend Low Volatility Portfolio (Class I)***** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co., LLC </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.76% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 37.60% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.59% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.83% </td></tr> </table> <table cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 0pt; width: 3%; text-indent: 0pt">* </td> <td style="padding: 0pt; width: 97%; text-indent: 0pt">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="vertical-align: top"> <td style="padding: 0pt; text-indent: 0pt">**</td> <td style="padding: 0pt; text-indent: 0pt">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> <tr style="vertical-align: top"> <td style="padding: 0pt; text-indent: 0pt">***</td> <td style="padding: 0pt; text-indent: 0pt">Effective August 11, 2025, the Voya Index Solution 2070 Portfolio (Class S) has been added as a new fund to the prospectus.</td></tr> <tr style="vertical-align: top"> <td style="padding: 0pt; text-indent: 0pt">***</td> <td style="padding: 0pt; text-indent: 0pt">Effective August 8, 2025, the Voya Index Solution 2025 Portfolio (Class S) merged into the Voya Index Solution Income Portfolio (Class S).</td></tr> <tr style="vertical-align: top"> <td style="padding: 0pt; text-indent: 0pt">****</td> <td style="padding: 0pt; text-indent: 0pt">This Fund employs a managed volatility strategy. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds with Managed Volatility Strategies” for more information.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of a widely accepted international index. </td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya International Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.45%* </td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 30.89% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.50% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 7.91% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">A non-diversified Fund that seeks long-term capital growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Large Cap Growth Portfolio (Class I)**, Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC and T. Rowe Price Associates, Inc.***</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.67%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.33% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.23% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.19% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long term growth of capital and current income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Large Cap Value Fund (Class A)**** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">0.86%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">12.66%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">12.56%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10.85%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long term growth of capital and current income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Large Cap Value Fund (Class I)**** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">0.76%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">13.05%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">12.94%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">11.22%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%; text-indent: 0pt">* </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective November 21, 2025, the VY® T. Rowe Price Growth Equity Portfolio merged into the Voya Large Cap Growth Portfolio.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective October 27, 2025, T. Rowe Price Associates, Inc. was added as a subadviser for the Voya Large Cap Growth Portfolio.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">****</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective February 6, 2026, the Voya Large Cap Value Portfolio and VY T. Rowe Price Equity Income Portfolio merged into the Voya Large Cap Value Fund.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%"> Voya MidCap Opportunities Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%"> 0.83%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%"> 3.90% </td> <td style="padding: 4pt; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%"> 4.55% </td> <td style="padding: 4pt; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%"> 10.97% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks maximum long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Multi-Manager International Small Cap Fund (Class I)** Investment Adviser: Voya Investments, LLC Subadvisers: Acadian Asset Management LLC and Victory Capital Management Inc.</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.20%*</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">39.14%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.76%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.28%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Growth Index.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya RussellTM Large Cap Growth Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.43%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">18.12%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">16.24%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">18.65%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Index.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya RussellTM Large Cap Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.36%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 18.75% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 14.72% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 15.36% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Value Index.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya RussellTM Large Cap Value Index Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.68%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 17.69% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.42% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.25% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Midcap® Growth Index.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya RussellTM Mid Cap Growth Index Portfolio (Class S)*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.65%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.08% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.98% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.77% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is no longer available to new investments.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">*^*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective on or about July 10, 2026, the Voya RussellTM Mid Cap Growth Index Portfolio will merge into the Voya RussellTM Mid Cap Index Portfolio.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 3pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 3pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Midcap® Index.</td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya RussellTM Mid Cap Index Portfolio (Class I)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.40%* </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 10.08% </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.26% </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 10.59% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell 2000® Index. </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya RussellTM Small Cap Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.43%* </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.51% </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.75% </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.29% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks growth of capital primarily through investment in a diversified portfolio of common stock of companies with smaller market capitalizations.</td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Small Company Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.87%* </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.59% </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.26% </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.39% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya SmallCap Opportunities Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.92%* </td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 14.80% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 5.85% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 9.11% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2030. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution 2030 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.97%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.30% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.11% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.94% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2035. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution 2035 Portfolio (Class S)**,*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">0.98%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">16.05%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">7.22%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">8.68%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is currently available under your variable annuity contract. If this Fund was not added to your plan on September 1, 2021, it was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2040. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Solution 2040 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.98%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 17.92% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.34% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 9.58% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2045. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution 2045 Portfolio (Class S)**,*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.00%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 19.15% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.07% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.92% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is currently available under your variable annuity contract. If this Fund was not added to your plan on September 1, 2021, it was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2050. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Solution 2050 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 1.01%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 19.54% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 9.28% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 10.06% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2055. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution 2055 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.03%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 19.64% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.34% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.09% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2060. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution 2060 Portfolio (Class S) ** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.03%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 19.61% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.30% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10.07%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2065. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Solution 2065 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">1.03%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">19.80%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">9.38%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">N/A</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution 2070 Portfolio (Class S)**,*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.03%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">N/A</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution Aggressive Portfolio (Class I)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.77%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 16.87% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.89% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.55% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">Effective August 11, 2025, the Voya Solution 2070 Portfolio (Class S) has been added as a new fund to the prospectus.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide capital growth through a diversified asset allocation strategy.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Solution Balanced Portfolio (Class I)**,*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.75%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 13.05% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 6.84% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.04% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide capital growth through a diversified asset allocation strategy.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution Balanced Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.00%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.05% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.84% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.04% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution Conservative Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.66%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.33%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">2.97%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">4.77%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 4%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">Effective on or about July 24, 2026, the Voya Balanced Income Portfolio will change its name to the Voya Balanced Income Fund</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Solution Conservative Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.91%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">8.12%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">2.70%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">4.52%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution Income Portfolio (Class S)**,*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.93%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.94% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.33% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.15% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Bloomberg Barclays U.S. Aggregate Bond Index.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya U.S. Bond Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.36%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.70% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -0.75% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.64% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks total return. </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya U.S. Stock Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.27% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 17.53% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.10% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.51% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective August 8, 2025, the Voya Solution 2025 Portfolio (Class S) merged into the Voya Solution Income Portfolio (Class S).</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks long-term capital growth. Income is a secondary objective.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> VY® American Century Small-Mid Cap Value Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: American Century Investment Management, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 1.10%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 4.99% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.19% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 9.00% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® Baron Growth Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: BAMCO, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.25%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -10.94% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -0.34% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.17% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks high total return consisting of capital appreciation and current income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® CBRE Global Real Estate Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: CBRE Investment Management Listed Real Assets, LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.91%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.82% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 4.03% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.99% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks total return including capital appreciation and current income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® Columbia Real Estate Portfolio (Class S)*** Investment Adviser: Voya Investments, LLC Subadviser: Columbia Management Investment Advisers, LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.00%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.03% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.67% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 4.80% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks total return consisting of long-term capital appreciation and current income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® Columbia Contrarian Core Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Columbia Management Investment Advisers, LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.96%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 17.08% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.87% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.01% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">Effective on or about July 17, 2026, the VY® Baron Growth Portfolio will merge into the Voya MidCap Opportunities Fund.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">Effective January 21, 2026, the VY® CBRE Real Estate Portfolio changed its name to VY® Columbia Real Estate Portfolio and the subadviser changed from CBRE Investment Management Listed Real Assets, LLC to the Columbia Management Investment Advisers, LLC</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> VY® Columbia Small Cap Value and Inflection Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Columbia Management Investment Advisers, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">1.18%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">8.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">9.60%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">8.92%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks capital growth and income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® Invesco Comstock Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.97%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 17.02% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.95% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.75% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks total return consisting of long-term capital appreciation and current income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® Invesco Equity and Income Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.64%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.80% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.82% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.86% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks total return consisting of long-term capital appreciation and current income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® Invesco Equity and Income Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.89%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">12.53%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.55%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.59%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital and income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® Invesco Growth and Income Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.90% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.35% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.82% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.72% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® JPMorgan Emerging Markets Equity Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: J.P. Morgan Investment Management Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.44%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 38.77% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.04% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.00% </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective May 1, 2026, the VY® Columbia Small Cap Value II Portfolio changed its name to the VY® Columbia Small Cap Value and Inflection Portfolio.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks growth from capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> VY® JPMorgan Mid Cap Value Portfolio (Class I)** Investment Adviser: Voya Investments, LLC Subadviser: J.P. Morgan Investment Management Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.85%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">4.63%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">9.53%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">8.75%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks growth from capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® JPMorgan Mid Cap Value Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: J.P. Morgan Investment Management Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.10%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 4.37% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.26% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.48% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks capital growth over the long term. </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® JPMorgan Small Cap Core Equity Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: J.P. Morgan Investment Management Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.14% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.65% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 4.63% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.77% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks, over the long-term, a high total investment return, consistent with the preservation of capital and with prudent investment risk.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® T. Rowe Price Capital Appreciation Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: T. Rowe Price Associates, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.65% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.32% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.49% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.32% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® T. Rowe Price Diversified Mid Cap Growth Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: T. Rowe Price Associates, Inc. </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.80%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">7.24%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">12.78%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The VY® JPMorgan Mid Cap Value Portfolio is only available to plans offering the Fund prior to the close of business on February 7, 2014.</td></tr> </table>Fixed Interest Options The following is a list of Fixed Interest Options currently available under the Contract. We may change the features of the Fixed Interest Options listed below, offer new Fixed Interest Options, and terminate existing Fixed Interest Options. We will provide you with written notice before doing so. Note: If amounts are withdrawn from the Guaranteed Accumulation Account before the end of a Guaranteed Term, we may apply a Market Value Adjustment. This may result in a significant reduction in your Account Value. For more information about the Fixed Interest Options and the Market Value Adjustment, see “THE INVESTMENT OPTIONS – Fixed Interest Options” and “CHARGES, FEES AND ADJUSTMENTS- Market Value Adjustment” in the full prospectus for the Contract. <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #D9D9D9"> <td style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 37%; text-align: center">Name</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 28%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">Term*</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 35%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">Minimum Guaranteed Interest Rate**</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Guaranteed Accumulation Account</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">1 month to 10 years </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">0.25%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">The Fixed Account</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">4.00% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">The Fixed Plus Account</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">3.00% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">The Fixed Plus Account II A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">1.00%</td></tr> </table> <table border="0" cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="width: 18pt">*</td> <td>The terms available under your plan may vary.</td></tr> </table> <table border="0" cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 0pt; text-indent: 0pt; width: 18pt">**</td> <td style="padding: 0pt; text-indent: 0pt">The minimum guaranteed interest rate for your Contract is stated in your Contract, and will not be less than stated.</td></tr> </table> The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at https://vpx.broadridge.com/getcontract1.asp?dtype=pros&cid=voyavpx&fid=NRVA00979. You can also request this information at no cost by calling Customer Service at 1-800-584-6001 or by sending an email request to ProspectusRequests@voya.com.The current expenses and performance information below reflects fee and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Fund’s past performance is not necessarily an indication of future performance. <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 29%; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Alger Responsible Investing Fund (Class A)** Investment Adviser: Fred Alger Management, LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 1.10%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 15.89% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 11.33% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 14.80% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Allspring Small Company Growth Fund (Institutional Class)**,*** Investment Adviser: Allspring Funds Management, LLC Subadviser: Peregrine Capital Management, Inc. </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.94%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.53%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">3.93%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.47%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">* </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">Effective September 12, 2025, the Allspring Small Company Growth Fund Administrator Class shares converted into Institutional Class shares.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid"> Allspring Special Small Cap Value Fund (Class A)*** Investment Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid"> 1.24% </td> <td style="padding: 4pt; border-right: Black 1pt solid"> -3.10% </td> <td style="padding: 4pt; border-right: Black 1pt solid"> 6.14% </td> <td style="padding: 4pt; border-right: Black 1pt solid"> 7.98% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to provide long-term capital appreciation.</td> <td style="padding: 4pt; width: 26%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AMG River Road Mid Cap Value Fund (Class N)*** Investment Adviser: AMG Funds LLC Subadviser: River Road Asset Management, LLC</td> <td style="padding: 4pt; width: 14%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.11%* </td> <td style="padding: 4pt; width: 11%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.75% </td> <td style="padding: 4pt; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.50% </td> <td style="padding: 4pt; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.79% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term capital growth, consistent with Islamic principles.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Amana Growth Fund (Investor Shares)*** Investment Adviser: Saturna Capital Corporation</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.86%** </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.75%** </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.42%** </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.46%** </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks current income and preservation of capital, consistent with Islamic principles. Current income is the Fund’s primary objective.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Amana Income Fund (Investor Shares)*** Investment Adviser: Saturna Capital Corporation</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.01%** </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.88%** </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.31%** </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.62%** </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term capital growth by investing in common stocks. Income is a secondary objective. </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Century Investments® Disciplined Value Fund (Class A)***,****,***** Investment Adviser: American Century Investment Management, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.90% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.62% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.54% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.17% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to provide total return and inflation protection consistent with investment in inflation-indexed securities.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Century Investments® Inflation-Adjusted Bond Fund (Investor Class)*** Investment Adviser: American Century Investment Management, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.54% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.67% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.84% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 2.70% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This information is being provided based on the fund’s most recent prospectus filing.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**** </td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">The American Century Investments® Disciplined Value Fund is only available to plans offering the Fund prior to May 1, 2002.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">*****</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">Effective March 10, 2026, the American Century Investments® Disciplined Core Value Fund (Class A) will be renamed the American Century Investments® Disciplined Value Fund (Class A).</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks (1) to provide a level of current income that exceeds the average yield on U.S. stocks generally and (2) to provide a growing stream of income over the years. The Fund’s secondary objective is to provide growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> American Funds® – Capital Income Builder (Class R4)* Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.61% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 20.34% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 9.06% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 7.80% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Funds® – EUPAC Fund® (Class R3)*,** Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.12% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 28.35% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.91% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.75% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Funds® – EUPAC Fund® (Class R4)*,*** Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.82% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 28.71% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 4.22% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.08% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to achieve long-term growth of capital and income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Funds® – Fundamental Investors® (Class R4)* Investment Adviser: Capital Research and Management CompanySM </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.62% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 24.24% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.42% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.04% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 4%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 96%">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective June 2, 2025, the American Funds® EuroPacific Growth Fund® (Class R3) changed its name to the American Funds® EUPAC Fund® (Class R3).</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective June 2, 2025, the American Funds® EuroPacific Growth Fund® (Class R4) changed its name to the American Funds® EUPAC Fund® (Class R4).</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide long-term growth of capital. However, future income will remain a consideration in the management of the Fund.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> American Funds® – New Perspective Fund® Class R4)** Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.75% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 21.20% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.99% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 12.65% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Funds® – SMALLCAP World Fund® (Class R4)** Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.00% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.04% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.42% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.86% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide as high a level of current income as is consistent with the preservation of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Funds® – The Bond Fund of America® (Class R4)** Investment Adviser: Capital Research and Management CompanySM </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.58%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.16% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -0.36% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 2.21% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> American Funds® – The Growth Fund of America (Class R4)** Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.63% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 19.88% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 11.76% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 15.11% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to produce income and to provide an opportunity for growth of principal consistent with sound common stock investing.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> American Funds® – Washington Mutual Investors FundSM (Class R4)** Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.75%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 16.90% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.60% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.08% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Ariel Fund (Investor Class)** Investment Adviser: Ariel Investments, LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.01% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.15% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.36% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.51% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks maximum long-term capital growth.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Artisan International Fund (Investor Shares)** Investment Adviser: Artisan Partners Limited Partnership</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.19% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 36.03% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.56% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.26% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide increasing dividend income over time, long-term growth of capital, and a reasonable level of current income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Ave Maria Rising Dividend Fund** Investment Adviser: Schwartz Investment Counsel, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.90% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -0.39% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.90% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.31% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Capital appreciation through long-term investments primarily in securities of small-sized growth companies.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Baron Growth Fund (Retail Shares) Investment Adviser: BAMCO</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.39%%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">-14.41%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">-0.94%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.78%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> BlackRock Health Sciences Opportunities Portfolio (Investor A)** Investment Adviser: BlackRock Advisors, LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.09% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.98% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.58% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.54% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks capital appreciation and, secondarily, income, by investing in securities, primarily equity securities that Fund management believes are undervalued and therefore represent an investment value.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> BlackRock Mid Cap Value Fund (Investor A)** Investment Adviser: BlackRock Advisors, LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.00%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.43% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.91% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.75% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide a competitive total return through an actively managed portfolio of stocks, bonds and money market instruments which offer income and capital growth opportunity.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Calvert VP SRI Balanced Portfolio (Class I) Investment Adviser: Calvert Research and Management</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.65% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 11.48% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.68% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 9.81% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">The investment objective of the Fund is total return through investment in real estate securities.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Cohen & Steers Real Estate Securities Fund, Inc. (Class A)** Investment Adviser: Cohen & Steers Capital Management, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.10% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 4.00% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.40% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.36% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Columbia Acorn® Fund (Class S) Investment Adviser: Columbia Wanger Asset Management, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.82%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">4.80%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.07%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.54%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide shareholders with a high level of current income and, as a secondary objective, steady growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Columbia Intrinsic Value Fund - Institutional Class Investment Adviser: Columbia Management Investment Advisers, LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.72%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"> 19.91%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"> 12.42%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"> 11.44%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Columbia Select Mid Cap Value Fund (Class A) Investment Adviser: Columbia Management Investment Advisers, LLC</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 1.13% </td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 13.62% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 11.06% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 10.19% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Columbia Variable Portfolio – Acorn Fund** Investment Adviser: Columbia Wanger Asset Management, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.91%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.47%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.02%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.66%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Columbia Variable Portfolio - Acorn International Fund*** Investment Adviser: Columbia Wanger Asset Management, LLC.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.08%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> 12.76%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> -1.00%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> 4.31%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seek total return consisting of capital appreciation and current income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Dimensional VA Global Moderate Allocation Portfolio (Institutional Shares)**** Investment Adviser: Dimensional Fund Advisors LP</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.28%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.68%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.42%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.65%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Fidelity Advisor® International Small Cap Opportunities Fund (Class A)**** Investment Adviser: Fidelity Management & Research Company LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.26%(1)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-2.12%(1)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2.51%(1)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">6.22%(1)</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective at the opening of business on June 2, 2025, the Wanger Acorn Fund changed its name to the Columbia Variable Portfolio – Acorn Fund.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective at the opening of business on June 2, 2025, the Wanger International Fund changed its name to the Columbia Variable Portfolio – Acorn International Fund.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">****</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective on or about May 15, 2026, the Voya Global Perspectives® Portfolio (Class I) is liquidating and will be replaced by the Dimensional VA Global Moderate Allocation Portfolio (Institutional Class).</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">*****</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective May 1, 2026, the Fund has been added to the Variable Investment Options Available Under the Contract in the Appendix.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">1</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This information is being provided based on the fund’s most recent prospectus filing.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Fidelity® VIP ContrafundSM Portfolio (Initial Class) Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.54%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">21.52%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">15.37%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">15.78%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks reasonable income. Also considers the potential for capital appreciation. Seeks to achieve a yield which exceeds the composite yield on the securities comprising the S&P 500® Index.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Fidelity® VIP Equity-Income PortfolioSM (Initial Class) Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.46%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">19.02%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">12.51%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">11.60%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to achieve capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Fidelity® VIP Growth Portfolio (Initial Class) Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.55% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.92% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.70% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 17.45% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Fidelity® VIP Mid Cap Portfolio (Initial Class)** Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.55% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.75% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.10% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.59% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="text-align: left; padding: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="padding: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="text-align: left; padding: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="padding: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">The Fidelity® VIP Mid Cap Portfolio is not available to all plans. Availability is subject to Company and/or Plan sponsor approval.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term growth of capital.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Fidelity® VIP Overseas Portfolio (Initial Class)** Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadvisers: FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited, Fidelity Management & Research (Japan) Limited, FIL Investment Advisors, FIL Investment Advisors (UK) and FIL Investments (Japan) Limited</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.72% </td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 20.39% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 6.62% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 7.93% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term total return. Under normal market conditions, the Fund invests at least 80% of its net assets in investments of small-capitalization companies.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Franklin Small Cap Value VIP Fund (Class 2)*** Investment Adviser: Franklin Mutual Advisers, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.91%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.65% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.86% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.81% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks income and conservation of principal and secondarily long-term growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Impax Sustainable Allocation Fund *(Investor Class)**** Investment Adviser: Impax Asset Management LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.93% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.86% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.38% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.68% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Invesco Developing Markets Fund (Class A)****,***** Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.30% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 21.27% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -1.65% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.40% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Invesco Main Street Mid Cap Fund (Class A) **** Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.04% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.92% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.99% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.73% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The Fidelity® VIP Overseas Portfolio is only available to plans offering the Fund prior to May 1, 2004.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">The Franklin Small Cap Value VIP Fund is closed to investment by new Investors. Existing retirement plans and individual Investors who have investment in the Subaccount that corresponds to this fund may leave their investment in that Subaccount and may continue to make additional purchases and exchanges.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">****</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">*****</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The Invesco Developing Markets Fund is only available to plans offering the Fund prior to April 12, 2013.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Invesco Main Street Fund (Class A) Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; border-right: Black 1pt solid; text-align: center">0.79%</td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; border-right: Black 1pt solid; text-align: center">9.55%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; border-right: Black 1pt solid; text-align: center">12.44%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; border-right: Black 1pt solid; text-align: center">12.50%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">A non-diversified Fund that seeks capital growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Invesco V.I. American Franchise Fund (Series I) Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.85% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.67% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10.35%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.87% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Invesco V.I. Core Equity Fund (Series I) Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.80% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 16.17% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">12.81%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.73% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Invesco V.I. Global Fund (Series I)** Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.81% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.32% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.28% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.00% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Invesco V.I. Global Strategic Income Fund (Series I)** Investment Adviser: Invesco Advisers, Inc. </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.95%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.98% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.65% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.01% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">The Invesco V.I. Global Fund and the Invesco V.I. Global Strategic Income Fund are only available to a limited number of participants, who did not participate in the Fund substitution during April 2005.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks total return.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Invesco V.I. Main Street Small Cap Fund® (Series I) Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.84% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.70% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.34% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 10.59% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital growth, consistent with preservation of capital and balanced by current income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Janus Henderson Balanced Portfolio (Institutional Shares)** Investment Adviser: Janus Henderson US LLC (Janus Henderson)</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.62% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.11% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.48% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.14% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Janus Henderson Enterprise Portfolio (Institutional Shares)**,*** Investment Adviser: Janus Henderson US LLC (Janus Henderson)</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.72% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.67% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.62% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.79% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to obtain maximum total return, consistent with preservation of capital. </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Janus Henderson Flexible Bond Portfolio (Institutional Shares)** Investment Adviser: Janus Henderson US LLC (Janus Henderson)</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.57%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.40% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -0.23% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 2.32% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Janus Henderson Global Research Portfolio (Institutional Shares** Investment Adviser: Janus Henderson US LLC (Janus Henderson)</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.82% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 20.92% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">12.51%</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.93% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital. </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Janus Henderson Research Portfolio (Institutional Shares)**,*** Investment Adviser: Janus Henderson US LLC (Janus Henderson) </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.82% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 18.39% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.11% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.88% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The Janus Henderson Balanced Portfolio, the Janus Henderson Flexible Bond Portfolio, the Janus Henderson Global Research Portfolio, and the Janus Henderson Research Portfolio are only available to a limited number of participants, who did not participate in the Fund substitution during April 2005.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The Janus Henderson Enterprise Portfolio is closed to new retirement plans. Existing retirement plans and individual Investors that purchase through non-retirement plan products can still invest new money into the Fund.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/205)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Lazard International Equity Portfolio (Open Shares)*** Investment Adviser: Lazard Asset Management LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">1.10%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">33.12% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">7.95% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">6.82%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to maximize long-term capital appreciation, while incorporating Catholic values investing principles in the investment process.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> LKCM Aquinas Catholic Equity Fund**** Investment Adviser: Luther King Capital Management Corporation</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.00%*,** </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.37%** </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.51%** </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.80%** </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital growth from investments in common stocks or other equity securities.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Loomis Sayles Small Cap Value Fund (Retail Class)**** Investment Adviser: Loomis, Sayles & Company, L.P.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.15%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.18% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.51% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.73% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital and income without excessive fluctuations in market value.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Lord Abbett Series Fund, Inc. – Growth and Income Portfolio (Class VC) Investment Adviser: Lord, Abbett & Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.93%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">17.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">13.34%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">11.12%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to deliver long-term growth of capital by investing primarily in stocks of mid-sized U.S. companies.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Lord Abbett Series Fund, Inc. – Mid Cap Stock Portfolio (Class VC) Investment Adviser: Lord, Abbett & Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.15% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.05% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.16% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.98% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This information is being provided based on the fund’s most recent prospectus filing.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">****</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The LKCM Aquinas Catholic Equity Fund is not available to all plans. Availability is subject to Company and/or Plan Sponsor approval.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to deliver a high level of current income consistent with the preservation of capital by investing in a variety of short maturity debt securities including, investment grade and high yield corporate bonds, U.S. government securities, and mortgage- and other asset-backed debt securities.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Lord Abbett Short Duration Income Fund (Class R4)** Investment Adviser: Lord, Abbett & Co. LLC</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.63% </td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 5.90% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 2.39% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 2.76% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to provide growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Nomura Science and Technology Fund (Class Y)*** Investment Adviser: Delaware Management Company</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.17%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 33.80% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.04% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 17.59% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Nomura Small Cap Value Fund (Class A) Investment Adviser: Delaware Management Company</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1.49%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">7.58%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">8.15%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Massachusetts Investors Growth Stock Fund (Class A) Investment Adviser: Massachusetts Financial Services Company</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.71% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.88% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.08% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.32% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective October 31, 2025, the name of the Macquarie Science and Technology Fund changed to the Nomura Science and Technology Fund.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term growth of capital by investing primarily in securities of companies that meet the Fund’s environmental, social and governance (ESG) criteria.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Neuberger Quality Equity Fund (Trust Class)***,**** Investment Adviser: Neuberger Berman Investment Advisers LLC</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 1.04% </td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 17.18% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 13.68% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 13.28% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks maximum real return, consistent with prudent investment management.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PIMCO CommodityRealReturn Strategy Fund® (Administrative Class)** Investment Adviser: Pacific Investment Management Company LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.19%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 18.79% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.55% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.54% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks maximum real return, consistent with preservation of real capital and prudent investment management.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PIMCO VIT Real Return Portfolio (Administrative Class) Investment Adviser: Pacific Investment Management Company LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1.39%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">7.85%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1.21%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">3.21%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Aims to maximize total return over the course of a market cycle by following a value-based discipline that adjusts portfolio risk profiles over time.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> TCW MetWest Total Return Bond Fund (Class M) Investment Adviser: TCW Metropolitan West Asset Management, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">0.65%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"> 7.58%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">-0.76% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1.86% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective July 28, 2025, the name of the Neuberger Berman Sustainable Equity Fund changed to the Neuberger Equity Fund.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">****</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The Neuberger Quality Equity Fund is closed to new retirement plans.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to maximize current income and achieve above average total return consistent with prudent investment management over a full market cycle.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> TCW Securitized Bond Fund (Class N) Investment Adviser: TCW Investment Management Company</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.70%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">8.71%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">-0.97%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">1.45%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks current income with capital appreciation and growth of income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Templeton Global Bond Fund (Class A)** Investment Adviser: Franklin Advisers, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.02%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.40% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -2.02% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -0.45% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> The Hartford Capital Appreciation Fund (Class R4)**, *** Investment Adviser: Hartford Funds Management Company, LLC (“HFMC”) Subadviser: Wellington Management Company, LLP</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.11% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.33% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.36% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.94% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks a high level of current income consistent with growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> The Hartford Dividend and Growth Fund (Class R4)**,*** Investment Adviser: Hartford Funds Management Company, LLC (“HFMC”) Subadviser: Wellington Management Company, LLP </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.04% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 16.73% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.12% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.96% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif"> The Hartford International Opportunities Fund (Class R4)**, *** Investment Adviser: Hartford Funds Management Company, LLC (“HFMC”) Subadviser: Wellington Management Company, LLP</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif"> 1.10% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif"> 29.80% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif"> 6.52% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif"> 7.71% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The Funds are not available to all plans. Availability is subject to Company and/or Plan Sponsor approval.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of a benchmark index that measures the performance of publicly traded equity REITs and other real estate-related investments.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Vanguard® Real Estate Index Fund (Admiral™ Shares) Investment Adviser: The Vanguard Group, Inc. (Vanguard) </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.13%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">3.19%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">4.64%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">5.14%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks high current income without undue risk to principal.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Victory Core Plus Intermediate Bond Fund (Class A Shares)** Investment Adviser: Victory Capital Management Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.88% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.23% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.60% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.27% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks current income and long-term capital growth primarily through income-producing equity securities of U.S. companies.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Victory Pioneer Equity Income Fund (Class A) Investment Adviser: Victory Capital Management Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.00%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">11.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.89%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.11%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital growth.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Victory Pioneer Global Equity Fund (Class A)1 Investment Adviser: Victory Capital Management Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.10%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">41.08%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">15.40%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">12.75%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">Effective May 1, 2026, the Fund has been added to the Variable Investment Options Available Under the Contract in the Appendix.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Maximize total return through a combination of income and capital appreciation.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Victory Pioneer High Yield VCT Portfolio (Class I) Investment Adviser: Amundi Asset Management US, Inc.</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.97%*</td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.16%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">4.21%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">5.49%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Victory Pioneer Mid Cap Value VCT Portfolio (Class I) Investment Adviser: Victory Capital Management Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.76%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.19%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.16%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.01%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">A non-diversified Fund that seeks long-term capital appreciation and to protect the purchasing power of your capital against inflation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Victory Precious Metals and Minerals Fund (Class A Shares)** Investment Adviser: Victory Capital Management Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.14%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.76%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.34%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.71%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">The fund seeks long-term capital appreciation with a secondary investment objective of income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Virtus Duff & Phelps Global Real Estate Securities Fund (Class A)** Investment Adviser: Virtus Investment Advisers, Inc. Subadviser: Duff & Phelps Investment Management Co.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.24%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.50% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.78% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.68% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks total return consisting of capital appreciation (both realized and unrealized) and current income; the secondary investment objective is long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Balanced Income Portfolio (Class I)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.58%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 11.96% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 5.92% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 7.16% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to outperform the S&P 500® Index.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Corporate Leaders® 100 Fund (Class I)*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.49%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 17.80% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.58% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.96% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to maximize total return through a combination of current income and capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Global Bond Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.69%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.80% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -2.30% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.82% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to maximize total returns and maintain lower volatility relative to the overall market.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Global High Dividend Low Volatility Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.60%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">19.00%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10.52%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.05%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective on or about July 24, 2026, the Voya Balanced Income Portfolio will change its name to the Voya Balanced Income Fund.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to maximize total returns and maintain lower volatility relative to the overall market.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Global High Dividend Low Volatility Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.85%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">18.73%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">10.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">8.78%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to maximize total returns and maintain lower volatility relative to the overall market.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Global High Dividend Low Volatility Portfolio (Class S2) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.00%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">18.47%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10.08%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.63%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Global Insights Portfolio (Class I)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC*</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.81%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 24.31% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.21% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.97% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Global Insights Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.06%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">24.14%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">6.96%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10.70%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border-right: Black 1pt solid">Seeks total return.</td> <td style="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border-right: Black 1pt solid"> Voya Global Perspectives® Portfolio (Class I)*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border-right: Black 1pt solid; text-align: center">0.85%*</td> <td style="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border-right: Black 1pt solid; text-align: center">14.23%</td> <td style="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border-right: Black 1pt solid; text-align: center">3.46%</td> <td style="border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; border-right: Black 1pt solid; text-align: center">6.38%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective on or about July 17, 2026, the name of the Voya Global Insights Portfolio will change to the Voya Global Insights Fund.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective on or about May 15, 2026, the Voya Global Perspectives® Portfolio (Class I) is liquidating and will be replaced by the Dimensional VA Global Moderate Allocation Portfolio (Institutional Class).</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks a high level of current income consistent with liquidity and safety of principal through investment primarily in Government National Mortgage Association (“GNMA”) mortgage-backed securities (also known as GNMA Certificates) that are guaranteed as to the timely payment of principal and interest by the U.S. government.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya GNMA Income Fund (Class A) ** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.54%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 7.36% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.23% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 1.14% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks a high level of current income consistent with liquidity and safety of principal through investment primarily in Government National Mortgage Association (“GNMA”) mortgage-backed securities (also known as GNMA Certificates) that are guaranteed as to the timely payment of principal and interest by the U.S. government.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya GNMA Income Fund (Class I)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.54%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">7.68%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.51%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.69%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide investors with a high level of current income consistent with preservation of capital and liquidity and the maintenance of a stable $1.00 net asset value per share.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Government Money Market Fund (Class A) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.35%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">4.07%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">3.06%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.93%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS - Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to provide high current return, consistent with preservation of capital and liquidity, through investment in high-quality money market instruments while maintaining a stable share price of $1.00.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Government Money Market Portfolio (Class I)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.40%* </td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 4.02% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 3.02% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 1.96% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to maximize total return through investments in a diversified portfolio of common stock and securities convertible into common stocks. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Growth and Income Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.67%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 18.21% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.46% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.62% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to maximize total return through investments in a diversified portfolio of common stock and securities convertible into common stocks. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Growth and Income Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">0.92%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">18.21%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">15.46%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">14.62%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks to provide Investors with a high level of current income and total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya High Yield Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">0.50%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">8.80%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">3.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5.82%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">There is no guarantee that the Voya Government Money Market Portfolio Subaccount will have a positive or level return.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide Investors with a high level of current income and total return.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya High Yield Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.75% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.41% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 3.66% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 5.55% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to outperform the total return performance of the S&P 500® Index while maintaining a market level of risk.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Index Plus LargeCap Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.55%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.20% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.73% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.90% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to outperform the total return performance of the S&P MidCap 400® Index while maintaining a market level of risk. </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Voya Index Plus MidCap Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.60%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.16% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.90% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.75% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to outperform the total return performance of the S&P SmallCap 600® Index while maintaining a market level of risk.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Index Plus SmallCap Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.60%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.27% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.97% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.23% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2030. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Index Solution 2030 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.48%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">15.09%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">6.41%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">8.15%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2035. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Index Solution 2035 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.47%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">16.85%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">7.38%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.98%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2040. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Index Solution 2040 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.49%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">18.58%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">8.64%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">9.87%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2045. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Index Solution 2045 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.47%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">19.84%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.48%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10.40%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS The Variable Investment Options - Funds of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2050. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Index Solution 2050 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.51%*</td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">20.23%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.69%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.50%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2055. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Index Solution 2055 Portfolio (Class S) ** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.51%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">20.38%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.76%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.54%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2060. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Index Solution 2060 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.50%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">20.37%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">9.81%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">10.61%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2065. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Index Solution 2065 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.50%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">20.57%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.89%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">N/A</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2070. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Index Solution 2070 Portfolio (Class S)**,*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.50%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">N/A</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Index Solution Income Portfolio (Class S)**** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.46%*</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.56% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.61% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.18% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to maximize total return consistent with reasonable risk. The Portfolio seeks its objective through investments in a diversified portfolio consisting primarily of debt securities. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Intermediate Bond Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.55%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.71% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.15% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 2.66% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks maximum total return.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya International High Dividend Low Volatility Portfolio (Class I)***** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co., LLC </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.76% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 37.60% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.59% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.83% </td></tr> </table><table cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 0pt; width: 3%; text-indent: 0pt">* </td> <td style="padding: 0pt; width: 97%; text-indent: 0pt">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="vertical-align: top"> <td style="padding: 0pt; text-indent: 0pt">**</td> <td style="padding: 0pt; text-indent: 0pt">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> <tr style="vertical-align: top"> <td style="padding: 0pt; text-indent: 0pt">***</td> <td style="padding: 0pt; text-indent: 0pt">Effective August 11, 2025, the Voya Index Solution 2070 Portfolio (Class S) has been added as a new fund to the prospectus.</td></tr> <tr style="vertical-align: top"> <td style="padding: 0pt; text-indent: 0pt">***</td> <td style="padding: 0pt; text-indent: 0pt">Effective August 8, 2025, the Voya Index Solution 2025 Portfolio (Class S) merged into the Voya Index Solution Income Portfolio (Class S).</td></tr> <tr style="vertical-align: top"> <td style="padding: 0pt; text-indent: 0pt">****</td> <td style="padding: 0pt; text-indent: 0pt">This Fund employs a managed volatility strategy. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds with Managed Volatility Strategies” for more information.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of a widely accepted international index. </td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya International Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.45%* </td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 30.89% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.50% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 7.91% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">A non-diversified Fund that seeks long-term capital growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Large Cap Growth Portfolio (Class I)**, Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC and T. Rowe Price Associates, Inc.***</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.67%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.33% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.23% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.19% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long term growth of capital and current income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Large Cap Value Fund (Class A)**** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">0.86%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">12.66%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">12.56%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10.85%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long term growth of capital and current income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Large Cap Value Fund (Class I)**** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">0.76%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">13.05%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">12.94%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">11.22%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%; text-indent: 0pt">* </td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective November 21, 2025, the VY® T. Rowe Price Growth Equity Portfolio merged into the Voya Large Cap Growth Portfolio.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective October 27, 2025, T. Rowe Price Associates, Inc. was added as a subadviser for the Voya Large Cap Growth Portfolio.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">****</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective February 6, 2026, the Voya Large Cap Value Portfolio and VY T. Rowe Price Equity Income Portfolio merged into the Voya Large Cap Value Fund.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%"> Voya MidCap Opportunities Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%"> 0.83%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%"> 3.90% </td> <td style="padding: 4pt; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%"> 4.55% </td> <td style="padding: 4pt; border-right: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%"> 10.97% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks maximum long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Multi-Manager International Small Cap Fund (Class I)** Investment Adviser: Voya Investments, LLC Subadvisers: Acadian Asset Management LLC and Victory Capital Management Inc.</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.20%*</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">39.14%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.76%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.28%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Growth Index.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya RussellTM Large Cap Growth Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.43%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">18.12%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">16.24%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">18.65%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is available to the general public in addition to being available through variable annuity contracts. See “FEDERAL TAX CONSIDERATIONS – Special Considerations for Section 403(b) Plans” for a discussion of investment in one of the public Funds under 403(b) or Roth 403(b) annuity contracts.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Index.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya RussellTM Large Cap Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.36%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 18.75% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 14.72% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 15.36% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Value Index.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya RussellTM Large Cap Value Index Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.68%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 17.69% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.42% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.25% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Midcap® Growth Index.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya RussellTM Mid Cap Growth Index Portfolio (Class S)*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.65%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.08% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.98% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.77% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is no longer available to new investments.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">*^*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective on or about July 10, 2026, the Voya RussellTM Mid Cap Growth Index Portfolio will merge into the Voya RussellTM Mid Cap Index Portfolio.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 3pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 3pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Midcap® Index.</td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya RussellTM Mid Cap Index Portfolio (Class I)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.40%* </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 10.08% </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.26% </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 10.59% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell 2000® Index. </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya RussellTM Small Cap Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.43%* </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.51% </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.75% </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.29% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks growth of capital primarily through investment in a diversified portfolio of common stock of companies with smaller market capitalizations.</td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Small Company Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.87%* </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.59% </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.26% </td> <td style="padding: 3pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.39% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 29%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya SmallCap Opportunities Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.92%* </td> <td style="padding: 4pt; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 14.80% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 5.85% </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 9.11% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2030. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution 2030 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.97%* </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.30% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.11% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 7.94% </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2035. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution 2035 Portfolio (Class S)**,*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">0.98%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">16.05%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">7.22%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">8.68%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is currently available under your variable annuity contract. If this Fund was not added to your plan on September 1, 2021, it was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2040. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Solution 2040 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.98%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 17.92% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.34% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 9.58% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2045. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution 2045 Portfolio (Class S)**,*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.00%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 19.15% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.07% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.92% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is currently available under your variable annuity contract. If this Fund was not added to your plan on September 1, 2021, it was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2050. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Solution 2050 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 1.01%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 19.54% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 9.28% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 10.06% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2055. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution 2055 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.03%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 19.64% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.34% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.09% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2060. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution 2060 Portfolio (Class S) ** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.03%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 19.61% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.30% </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10.07%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2065. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Solution 2065 Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">1.03%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">19.80%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">9.38%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">N/A</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution 2070 Portfolio (Class S)**,*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1.03%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">N/A</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution Aggressive Portfolio (Class I)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.77%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 16.87% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.89% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.55% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">Effective August 11, 2025, the Voya Solution 2070 Portfolio (Class S) has been added as a new fund to the prospectus.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide capital growth through a diversified asset allocation strategy.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Solution Balanced Portfolio (Class I)**,*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 0.75%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 13.05% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 6.84% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.04% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide capital growth through a diversified asset allocation strategy.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution Balanced Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.00%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.05% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.84% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.04% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution Conservative Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.66%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.33%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">2.97%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">4.77%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 4%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">Effective on or about July 24, 2026, the Voya Balanced Income Portfolio will change its name to the Voya Balanced Income Fund</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> Voya Solution Conservative Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.91%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">8.12%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">2.70%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">4.52%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya Solution Income Portfolio (Class S)**,*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.93%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.94% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.33% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.15% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Bloomberg Barclays U.S. Aggregate Bond Index.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya U.S. Bond Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.36%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.70% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -0.75% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.64% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks total return. </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Voya U.S. Stock Index Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.27% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 17.53% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.10% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.51% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">This Fund is structured as a Fund of Funds that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options - Funds of Funds” for more information.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective August 8, 2025, the Voya Solution 2025 Portfolio (Class S) merged into the Voya Solution Income Portfolio (Class S).</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks long-term capital growth. Income is a secondary objective.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> VY® American Century Small-Mid Cap Value Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: American Century Investment Management, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 1.10%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 4.99% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 8.19% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> 9.00% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® Baron Growth Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: BAMCO, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.25%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -10.94% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> -0.34% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.17% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks high total return consisting of capital appreciation and current income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® CBRE Global Real Estate Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: CBRE Investment Management Listed Real Assets, LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.91%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 6.82% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 4.03% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.99% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks total return including capital appreciation and current income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® Columbia Real Estate Portfolio (Class S)*** Investment Adviser: Voya Investments, LLC Subadviser: Columbia Management Investment Advisers, LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.00%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.03% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 5.67% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 4.80% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks total return consisting of long-term capital appreciation and current income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® Columbia Contrarian Core Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Columbia Management Investment Advisers, LLC</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.96%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 17.08% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 13.87% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.01% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">Effective on or about July 17, 2026, the VY® Baron Growth Portfolio will merge into the Voya MidCap Opportunities Fund.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">***</td> <td style="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">Effective January 21, 2026, the VY® CBRE Real Estate Portfolio changed its name to VY® Columbia Real Estate Portfolio and the subadviser changed from CBRE Investment Management Listed Real Assets, LLC to the Columbia Management Investment Advisers, LLC</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks long-term growth of capital.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> VY® Columbia Small Cap Value and Inflection Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: Columbia Management Investment Advisers, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">1.18%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">8.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">9.60%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">8.92%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks capital growth and income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® Invesco Comstock Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.97%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 17.02% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 14.95% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.75% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks total return consisting of long-term capital appreciation and current income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® Invesco Equity and Income Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.64%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.80% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.82% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.86% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks total return consisting of long-term capital appreciation and current income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® Invesco Equity and Income Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.89%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">12.53%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.55%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">8.59%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term growth of capital and income.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® Invesco Growth and Income Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.90% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 15.35% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.82% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 10.72% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® JPMorgan Emerging Markets Equity Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: J.P. Morgan Investment Management Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.44%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 38.77% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.04% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.00% </td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">Effective May 1, 2026, the VY® Columbia Small Cap Value II Portfolio changed its name to the VY® Columbia Small Cap Value and Inflection Portfolio.</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">CURRENT EXPENSES</td> <td colspan="3" style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">1 Year</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">5 Years</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">10 Years</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 29%">Seeks growth from capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 26%; border-bottom: Black 1pt solid; border-right: Black 1pt solid"> VY® JPMorgan Mid Cap Value Portfolio (Class I)** Investment Adviser: Voya Investments, LLC Subadviser: J.P. Morgan Investment Management Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 14%; text-align: center">0.85%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 11%; text-align: center">4.63%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">9.53%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 10%; text-align: center">8.75%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks growth from capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® JPMorgan Mid Cap Value Portfolio (Class S)** Investment Adviser: Voya Investments, LLC Subadviser: J.P. Morgan Investment Management Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.10%* </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 4.37% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.26% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.48% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks capital growth over the long term. </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® JPMorgan Small Cap Core Equity Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: J.P. Morgan Investment Management Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 1.14% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 3.65% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 4.63% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 8.77% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks, over the long-term, a high total investment return, consistent with the preservation of capital and with prudent investment risk.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® T. Rowe Price Capital Appreciation Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: T. Rowe Price Associates, Inc.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 0.65% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 12.32% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 9.49% </td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> 11.32% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Seeks long-term capital appreciation.</td> <td style="padding: 4pt; font: 10pt Arial, Helvetica, Sans-Serif; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> VY® T. Rowe Price Diversified Mid Cap Growth Portfolio (Class I) Investment Adviser: Voya Investments, LLC Subadviser: T. Rowe Price Associates, Inc. </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">0.80%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">9.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">7.24%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">12.78%</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 3%">*</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 97%">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="font: 10pt Arial, Helvetica, Sans-Serif">**</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif">The VY® JPMorgan Mid Cap Value Portfolio is only available to plans offering the Fund prior to the close of business on February 7, 2014.</td></tr> </table> Seeks long-term capital appreciation. Alger Responsible Investing Fund (Class A) Fred Alger Management, LLC 0.011 0.1589 0.1133 0.148 Seeks long-term capital appreciation. Allspring Small Company Growth Fund (Institutional Class) Allspring Funds Management, LLC Peregrine Capital Management, Inc. 0.0094 0.0853 0.0393 0.0947 Seeks long-term capital appreciation. Allspring Special Small Cap Value Fund (Class A) Allspring Funds Management, LLC Allspring Global Investments LLC 0.0124 -0.031 0.0614 0.0798 Seeks to provide long-term capital appreciation. AMG River Road Mid Cap Value Fund (Class N) AMG Funds LLC River Road Asset Management, LLC 0.0111 0.1175 0.135 0.0979 Seeks long-term capital growth, consistent with Islamic principles. Amana Growth Fund (Investor Shares) Saturna Capital Corporation 0.0086 0.1575 0.1542 0.1446 Seeks current income and preservation of capital, consistent with Islamic principles. Current income is the Fund’s primary objective. Amana Income Fund (Investor Shares) Saturna Capital Corporation 0.0101 0.1288 0.1031 0.0962 Seeks long-term capital growth by investing in common stocks. Income is a secondary objective. American Century Investments® Disciplined Value Fund (Class A) American Century Investment Management, Inc. 0.009 0.1462 0.0854 0.1017 Seeks to provide total return and inflation protection consistent with investment in inflation-indexed securities. American Century Investments® Inflation-Adjusted Bond Fund (Investor Class) American Century Investment Management, Inc. 0.0054 0.0667 0.0084 0.027 Seeks (1) to provide a level of current income that exceeds the average yield on U.S. stocks generally and (2) to provide a growing stream of income over the years. The Fund’s secondary objective is to provide growth of capital. American Funds® – Capital Income Builder (Class R4) Capital Research and Management CompanySM 0.0061 0.2034 0.0906 0.078 Seeks to provide long-term growth of capital. American Funds® – EUPAC Fund® (Class R3) Capital Research and Management CompanySM 0.0112 0.2835 0.0391 0.0775 Seeks to provide long-term growth of capital. American Funds® – EUPAC Fund® (Class R4) Capital Research and Management CompanySM 0.0082 0.2871 0.0422 0.0808 Seeks to achieve long-term growth of capital and income. American Funds® – Fundamental Investors® (Class R4) Capital Research and Management CompanySM 0.0062 0.2424 0.1442 0.1404 Seeks to provide long-term growth of capital. However, future income will remain a consideration in the management of the Fund. American Funds® – New Perspective Fund® Class R4) Capital Research and Management CompanySM 0.0075 0.212 0.0899 0.1265 Seeks to provide long-term growth of capital. American Funds® – SMALLCAP World Fund® (Class R4) Capital Research and Management CompanySM 0.01 0.1404 0.0142 0.0886 Seeks to provide as high a level of current income as is consistent with the preservation of capital. American Funds® – The Bond Fund of America® (Class R4) Capital Research and Management CompanySM 0.0058 0.0716 -0.0036 0.0221 Seeks to provide growth of capital. American Funds® – The Growth Fund of America (Class R4) Capital Research and Management CompanySM 0.0063 0.1988 0.1176 0.1511 Seeks to produce income and to provide an opportunity for growth of principal consistent with sound common stock investing. American Funds® – Washington Mutual Investors FundSM (Class R4) Capital Research and Management CompanySM 0.0075 0.169 0.136 0.1208 Seeks long-term capital appreciation. Ariel Fund (Investor Class) Ariel Investments, LLC 0.0101 0.1415 0.0936 0.0951 Seeks maximum long-term capital growth. Artisan International Fund (Investor Shares) Artisan Partners Limited Partnership 0.0119 0.3603 0.0856 0.0826 Seeks to provide increasing dividend income over time, long-term growth of capital, and a reasonable level of current income. Ave Maria Rising Dividend Fund Schwartz Investment Counsel, Inc. 0.009 -0.0039 0.089 0.1031 Capital appreciation through long-term investments primarily in securities of small-sized growth companies. Baron Growth Fund (Retail Shares) BAMCO 0.0139 -0.1441 -0.0094 0.0878 Seeks long-term growth of capital. BlackRock Health Sciences Opportunities Portfolio (Investor A) BlackRock Advisors, LLC 0.0109 0.1598 0.0558 0.0954 Seeks capital appreciation and, secondarily, income, by investing in securities, primarily equity securities that Fund management believes are undervalued and therefore represent an investment value. BlackRock Mid Cap Value Fund (Investor A) BlackRock Advisors, LLC 0.01 0.1343 0.1091 0.1075 Seeks to provide a competitive total return through an actively managed portfolio of stocks, bonds and money market instruments which offer income and capital growth opportunity. Calvert VP SRI Balanced Portfolio (Class I) Calvert Research and Management 0.0065 0.1148 0.0868 0.0981 The investment objective of the Fund is total return through investment in real estate securities. Cohen & Steers Real Estate Securities Fund, Inc. (Class A) Cohen & Steers Capital Management, Inc. 0.011 0.04 0.054 0.0636 Seeks long-term capital appreciation. Columbia Acorn® Fund (Class S) Columbia Wanger Asset Management, LLC 0.0082 0.048 0.0107 0.0854 Seeks to provide shareholders with a high level of current income and, as a secondary objective, steady growth of capital. Columbia Intrinsic Value Fund - Institutional Class Columbia Management Investment Advisers, LLC 0.0072 0.1991 0.1242 0.1144 Seeks long-term capital appreciation. Columbia Select Mid Cap Value Fund (Class A) Columbia Management Investment Advisers, LLC 0.0113 0.1362 0.1106 0.1019 Seeks long-term capital appreciation. Columbia Variable Portfolio – Acorn Fund Columbia Wanger Asset Management, LLC 0.0091 0.0447 0.0102 0.0866 Seeks long-term capital appreciation. Columbia Variable Portfolio - Acorn International Fund Columbia Wanger Asset Management, LLC. 0.0108 0.1276 -0.01 0.0431 Seek total return consisting of capital appreciation and current income. Dimensional VA Global Moderate Allocation Portfolio (Institutional Shares) Dimensional Fund Advisors LP 0.0028 0.1468 0.0842 0.0865 Seeks capital appreciation. Fidelity Advisor® International Small Cap Opportunities Fund (Class A) Fidelity Management & Research Company LLC 0.0126 -0.0212 0.0251 0.0622 Seeks long-term capital appreciation. Fidelity® VIP ContrafundSM Portfolio (Initial Class) Fidelity Management & Research Company LLC (“FMR”) FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited 0.0054 0.2152 0.1537 0.1578 Seeks reasonable income. Also considers the potential for capital appreciation. Seeks to achieve a yield which exceeds the composite yield on the securities comprising the S&P 500® Index. Fidelity® VIP Equity-Income PortfolioSM (Initial Class) Fidelity Management & Research Company LLC (“FMR”) FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited 0.0046 0.1902 0.1251 0.116 Seeks to achieve capital appreciation. Fidelity® VIP Growth Portfolio (Initial Class) Fidelity Management & Research Company LLC (“FMR”) FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited 0.0055 0.1492 0.137 0.1745 Seeks long-term growth of capital. Fidelity® VIP Mid Cap Portfolio (Initial Class) Fidelity Management & Research Company LLC (“FMR”) FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited 0.0055 0.1175 0.101 0.1059 Seeks long-term growth of capital. Fidelity® VIP Overseas Portfolio (Initial Class) Fidelity Management & Research Company LLC (“FMR”) FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited, Fidelity Management & Research (Japan) Limited, FIL Investment Advisors, FIL Investment Advisors (UK) and FIL Investments (Japan) Limited 0.0072 0.2039 0.0662 0.0793 Seeks long-term total return. Under normal market conditions, the Fund invests at least 80% of its net assets in investments of small-capitalization companies. Franklin Small Cap Value VIP Fund (Class 2) Franklin Mutual Advisers, LLC 0.0091 0.0765 0.0886 0.0981 Seeks income and conservation of principal and secondarily long-term growth of capital. Impax Sustainable Allocation Fund *(Investor Class) Impax Asset Management LLC 0.0093 0.1086 0.0538 0.0768 Seeks capital appreciation. Invesco Developing Markets Fund (Class A) Invesco Advisers, Inc. 0.013 0.2127 -0.0165 0.054 Seeks capital appreciation. Invesco Main Street Mid Cap Fund (Class A) Invesco Advisers, Inc. 0.0104 0.0892 0.0899 0.0973 Seeks capital appreciation. Invesco Main Street Fund (Class A) Invesco Advisers, Inc. 0.0079 0.0955 0.1244 0.125 A non-diversified Fund that seeks capital growth. Invesco V.I. American Franchise Fund (Series I) Invesco Advisers, Inc. 0.0085 0.1167 0.1035 0.1487 Seeks long-term growth of capital. Invesco V.I. Core Equity Fund (Series I) Invesco Advisers, Inc. 0.008 0.1617 0.1281 0.1173 Seeks capital appreciation. Invesco V.I. Global Fund (Series I) Invesco Advisers, Inc. 0.0081 0.1532 0.0728 0.11 Seeks capital appreciation. Invesco V.I. Global Strategic Income Fund (Series I) Invesco Advisers, Inc. 0.0095 0.1298 0.0165 0.0301 Seeks total return. Invesco V.I. Main Street Small Cap Fund® (Series I) Invesco Advisers, Inc. 0.0084 0.087 0.0834 0.1059 Seeks long-term capital growth, consistent with preservation of capital and balanced by current income. Janus Henderson Balanced Portfolio (Institutional Shares) Janus Henderson US LLC (Janus Henderson) 0.0062 0.1511 0.0848 0.1014 Seeks long-term growth of capital. Janus Henderson Enterprise Portfolio (Institutional Shares) Janus Henderson US LLC (Janus Henderson) 0.0072 0.0767 0.0762 0.1279 Seeks to obtain maximum total return, consistent with preservation of capital. Janus Henderson Flexible Bond Portfolio (Institutional Shares) Janus Henderson US LLC (Janus Henderson) 0.0057 0.074 -0.0023 0.0232 Seeks long-term growth of capital. Janus Henderson Global Research Portfolio (Institutional Shares Janus Henderson US LLC (Janus Henderson) 0.0082 0.2092 0.1251 0.1293 Seeks long-term growth of capital. Janus Henderson Research Portfolio (Institutional Shares) Janus Henderson US LLC (Janus Henderson) 0.0082 0.1839 0.1411 0.1588 Seeks long-term capital appreciation. Lazard International Equity Portfolio (Open Shares) Lazard Asset Management LLC 0.011 0.3312 0.0795 0.0682 Seeks to maximize long-term capital appreciation, while incorporating Catholic values investing principles in the investment process. LKCM Aquinas Catholic Equity Fund Luther King Capital Management Corporation 0.01 0.1337 0.1051 0.098 Seeks long-term capital growth from investments in common stocks or other equity securities. Loomis Sayles Small Cap Value Fund (Retail Class) Loomis, Sayles & Company, L.P. 0.0115 0.0518 0.0951 0.0873 Seeks long-term growth of capital and income without excessive fluctuations in market value. Lord Abbett Series Fund, Inc. – Growth and Income Portfolio (Class VC) Lord, Abbett & Co. LLC 0.0093 0.1792 0.1334 0.1112 Seeks to deliver long-term growth of capital by investing primarily in stocks of mid-sized U.S. companies. Lord Abbett Series Fund, Inc. – Mid Cap Stock Portfolio (Class VC) Lord, Abbett & Co. LLC 0.0115 0.0705 0.1016 0.0798 Seeks to deliver a high level of current income consistent with the preservation of capital by investing in a variety of short maturity debt securities including, investment grade and high yield corporate bonds, U.S. government securities, and mortgage- and other asset-backed debt securities. Lord Abbett Short Duration Income Fund (Class R4) Lord, Abbett & Co. LLC 0.0063 0.059 0.0239 0.0276 Seeks to provide growth of capital. Nomura Science and Technology Fund (Class Y) Delaware Management Company 0.0117 0.338 0.1404 0.1759 Seeks capital appreciation. Nomura Small Cap Value Fund (Class A) Delaware Management Company 0.011 0.0149 0.0758 0.0815 Seeks capital appreciation. Massachusetts Investors Growth Stock Fund (Class A) Massachusetts Financial Services Company 0.0071 0.0988 0.1008 0.1432 Seeks long-term growth of capital by investing primarily in securities of companies that meet the Fund’s environmental, social and governance (ESG) criteria. Neuberger Quality Equity Fund (Trust Class) Neuberger Berman Investment Advisers LLC 0.0104 0.1718 0.1368 0.1328 Seeks maximum real return, consistent with prudent investment management. PIMCO CommodityRealReturn Strategy Fund® (Administrative Class) Pacific Investment Management Company LLC 0.0319 0.1879 0.1055 0.0654 Seeks maximum real return, consistent with preservation of real capital and prudent investment management. PIMCO VIT Real Return Portfolio (Administrative Class) Pacific Investment Management Company LLC 0.0139 0.0785 0.0121 0.0321 Aims to maximize total return over the course of a market cycle by following a value-based discipline that adjusts portfolio risk profiles over time. TCW MetWest Total Return Bond Fund (Class M) TCW Metropolitan West Asset Management, LLC 0.0065 0.0758 -0.0076 0.0186 Seeks to maximize current income and achieve above average total return consistent with prudent investment management over a full market cycle. TCW Securitized Bond Fund (Class N) TCW Investment Management Company 0.007 0.0871 -0.0097 0.0145 Seeks current income with capital appreciation and growth of income. Templeton Global Bond Fund (Class A) Franklin Advisers, Inc. 0.0102 0.124 -0.0202 -0.0045 Seeks growth of capital. The Hartford Capital Appreciation Fund (Class R4) Hartford Funds Management Company, LLC (“HFMC”) Wellington Management Company, LLP 0.0111 0.1033 0.0836 0.1094 Seeks a high level of current income consistent with growth of capital. The Hartford Dividend and Growth Fund (Class R4) Hartford Funds Management Company, LLC (“HFMC”) Wellington Management Company, LLP 0.0104 0.1673 0.1212 0.1196 Seeks long-term growth of capital. The Hartford International Opportunities Fund (Class R4) Hartford Funds Management Company, LLC (“HFMC”) Wellington Management Company, LLP 0.011 0.298 0.0652 0.0771 Seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of a benchmark index that measures the performance of publicly traded equity REITs and other real estate-related investments. Vanguard® Real Estate Index Fund (Admiral™ Shares) The Vanguard Group, Inc. (Vanguard) 0.0013 0.0319 0.0464 0.0514 Seeks high current income without undue risk to principal. Victory Core Plus Intermediate Bond Fund (Class A Shares) Victory Capital Management Inc. 0.0088 0.0723 0.006 0.0327 Seeks current income and long-term capital growth primarily through income-producing equity securities of U.S. companies. Victory Pioneer Equity Income Fund (Class A) Victory Capital Management Inc. 0.01 0.112 0.0889 0.0911 Seeks long-term capital growth. Victory Pioneer Global Equity Fund (Class A) Victory Capital Management Inc. 0.011 0.4108 0.154 0.1275 Maximize total return through a combination of income and capital appreciation. Victory Pioneer High Yield VCT Portfolio (Class I) Amundi Asset Management US, Inc. 0.0097 0.0816 0.0421 0.0549 Seeks capital appreciation. Victory Pioneer Mid Cap Value VCT Portfolio (Class I) Victory Capital Management Inc. 0.0076 0.1119 0.1116 0.0901 A non-diversified Fund that seeks long-term capital appreciation and to protect the purchasing power of your capital against inflation. Victory Precious Metals and Minerals Fund (Class A Shares) Victory Capital Management Inc. 0.0114 0.1076 0.0334 0.0571 The fund seeks long-term capital appreciation with a secondary investment objective of income. Virtus Duff & Phelps Global Real Estate Securities Fund (Class A) Virtus Investment Advisers, Inc. Duff & Phelps Investment Management Co. 0.0124 0.095 0.0378 0.0568 Seeks total return consisting of capital appreciation (both realized and unrealized) and current income; the secondary investment objective is long-term capital appreciation. Voya Balanced Income Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0058 0.1196 0.0592 0.0716 Seeks to outperform the S&P 500® Index. Voya Corporate Leaders® 100 Fund (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0049 0.178 0.1358 0.1296 Seeks to maximize total return through a combination of current income and capital appreciation. Voya Global Bond Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0069 0.088 -0.023 0.0182 Seeks to maximize total returns and maintain lower volatility relative to the overall market. Voya Global High Dividend Low Volatility Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.006 0.19 0.1052 0.0905 Seeks to maximize total returns and maintain lower volatility relative to the overall market. Voya Global High Dividend Low Volatility Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0085 0.1873 0.1025 0.0878 Seeks to maximize total returns and maintain lower volatility relative to the overall market. Voya Global High Dividend Low Volatility Portfolio (Class S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.01 0.1847 0.1008 0.0863 Seeks capital appreciation. Voya Global Insights Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0081 0.2431 0.0721 0.1097 Seeks capital appreciation. Voya Global Insights Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0106 0.2414 0.0696 0.107 Seeks total return. Voya Global Perspectives® Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0085 0.1423 0.0346 0.0638 Seeks a high level of current income consistent with liquidity and safety of principal through investment primarily in Government National Mortgage Association (“GNMA”) mortgage-backed securities (also known as GNMA Certificates) that are guaranteed as to the timely payment of principal and interest by the U.S. government. Voya GNMA Income Fund (Class A) Voya Investments, LLC Voya Investment Management Co. LLC 0.0054 0.0736 0.0023 0.0114 Seeks a high level of current income consistent with liquidity and safety of principal through investment primarily in Government National Mortgage Association (“GNMA”) mortgage-backed securities (also known as GNMA Certificates) that are guaranteed as to the timely payment of principal and interest by the U.S. government. Voya GNMA Income Fund (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0054 0.0768 0.0051 0.0169 Seeks to provide investors with a high level of current income consistent with preservation of capital and liquidity and the maintenance of a stable $1.00 net asset value per share. Voya Government Money Market Fund (Class A) Voya Investments, LLC Voya Investment Management Co. LLC 0.0035 0.0407 0.0306 0.0193 Seeks to provide high current return, consistent with preservation of capital and liquidity, through investment in high-quality money market instruments while maintaining a stable share price of $1.00. Voya Government Money Market Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.004 0.0402 0.0302 0.0196 Seeks to maximize total return through investments in a diversified portfolio of common stock and securities convertible into common stocks. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return. Voya Growth and Income Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0067 0.1821 0.1546 0.1462 Seeks to maximize total return through investments in a diversified portfolio of common stock and securities convertible into common stocks. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return. Voya Growth and Income Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0092 0.1821 0.1546 0.1462 Seeks to provide Investors with a high level of current income and total return. Voya High Yield Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.005 0.088 0.0392 0.0582 Seeks to provide Investors with a high level of current income and total return. Voya High Yield Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0075 0.0841 0.0366 0.0555 Seeks to outperform the total return performance of the S&P 500® Index while maintaining a market level of risk. Voya Index Plus LargeCap Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0055 0.152 0.1373 0.139 Seeks to outperform the total return performance of the S&P MidCap 400® Index while maintaining a market level of risk. Voya Index Plus MidCap Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.006 0.0816 0.099 0.0975 Seeks to outperform the total return performance of the S&P SmallCap 600® Index while maintaining a market level of risk. Voya Index Plus SmallCap Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.006 0.0827 0.0897 0.0923 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2030. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Index Solution 2030 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0048 0.1509 0.0641 0.0815 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2035. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Index Solution 2035 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0047 0.1685 0.0738 0.0898 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2040. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Index Solution 2040 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0049 0.1858 0.0864 0.0987 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2045. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Index Solution 2045 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0047 0.1984 0.0948 0.104 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2050. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Index Solution 2050 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0051 0.2023 0.0969 0.105 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2055. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Index Solution 2055 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0051 0.2038 0.0976 0.1054 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2060. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Index Solution 2060 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.005 0.2037 0.0981 0.1061 Seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2065. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Index Solution 2065 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.005 0.2057 0.0989 Seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2070. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Index Solution 2070 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.005 Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Index Solution Income Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0046 0.1156 0.0361 0.0518 Seeks to maximize total return consistent with reasonable risk. The Portfolio seeks its objective through investments in a diversified portfolio consisting primarily of debt securities. It is anticipated that capital appreciation and investment income will both be major factors in achieving total return. Voya Intermediate Bond Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0055 0.0771 0.0015 0.0266 Seeks maximum total return. Voya International High Dividend Low Volatility Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co., LLC 0.0076 0.376 0.1159 0.0783 Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of a widely accepted international index. Voya International Index Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0045 0.3089 0.085 0.0791 A non-diversified Fund that seeks long-term capital growth. Voya Large Cap Growth Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC and T. Rowe Price Associates, Inc. 0.0067 0.1533 0.1223 0.1519 Seeks long term growth of capital and current income. Voya Large Cap Value Fund (Class A) Voya Investments, LLC Voya Investment Management Co. LLC 0.0086 0.1266 0.1256 0.1085 Seeks long term growth of capital and current income. Voya Large Cap Value Fund (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0076 0.1305 0.1294 0.1122 Seeks long-term capital appreciation. Voya MidCap Opportunities Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0083 0.039 0.0455 0.1097 Seeks maximum long-term capital appreciation. Voya Multi-Manager International Small Cap Fund (Class I) Voya Investments, LLC Acadian Asset Management LLC and Victory Capital Management Inc. 0.012 0.3914 0.0976 0.0928 Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Growth Index. Voya RussellTM Large Cap Growth Index Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0043 0.1812 0.1624 0.1865 Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Index. Voya RussellTM Large Cap Index Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0036 0.1875 0.1472 0.1536 Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Top 200® Value Index. Voya RussellTM Large Cap Value Index Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0068 0.1769 0.1142 0.1025 Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Midcap® Growth Index. Voya RussellTM Mid Cap Growth Index Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0065 0.0808 0.0598 0.1177 Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell Midcap® Index. Voya RussellTM Mid Cap Index Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.004 0.1008 0.0826 0.1059 Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Russell 2000® Index. Voya RussellTM Small Cap Index Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0043 0.1251 0.0575 0.0929 Seeks growth of capital primarily through investment in a diversified portfolio of common stock of companies with smaller market capitalizations. Voya Small Company Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0087 0.0859 0.0626 0.0839 Seeks long-term capital appreciation. Voya SmallCap Opportunities Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0092 0.148 0.0585 0.0911 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2030. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Solution 2030 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0097 0.143 0.0611 0.0794 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2035. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Solution 2035 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0098 0.1605 0.0722 0.0868 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2040. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Solution 2040 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0098 0.1792 0.0834 0.0958 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2045. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Solution 2045 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.01 0.1915 0.0907 0.0992 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2050. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Solution 2050 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0101 0.1954 0.0928 0.1006 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2055. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Solution 2055 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0103 0.1964 0.0934 0.1009 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2060. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Solution 2060 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0103 0.1961 0.093 0.1007 Until the day prior to its Target Date, the Portfolio seeks to provide total return consistent with an asset allocation targeted at retirement in approximately 2065. On the Target Date, the Portfolio’s investment objective will be to seek to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Solution 2065 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0103 0.198 0.0938 Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Solution 2070 Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0103 Seeks growth of capital. Voya Solution Aggressive Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0077 0.1687 0.0989 0.1055 Seeks to provide capital growth through a diversified asset allocation strategy. Voya Solution Balanced Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0075 0.1305 0.0684 0.0804 Seeks to provide capital growth through a diversified asset allocation strategy. Voya Solution Balanced Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.01 0.1305 0.0684 0.0804 Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Solution Conservative Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0066 0.0833 0.0297 0.0477 Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Solution Conservative Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0091 0.0812 0.027 0.0452 Seeks to provide a combination of total return and stability of principal consistent with an asset allocation targeted to retirement. Voya Solution Income Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0093 0.1094 0.0333 0.0515 Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Bloomberg Barclays U.S. Aggregate Bond Index. Voya U.S. Bond Index Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0036 0.067 -0.0075 0.0164 Seeks total return. Voya U.S. Stock Index Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0027 0.1753 0.141 0.1451 Seeks long-term capital growth. Income is a secondary objective. VY® American Century Small-Mid Cap Value Portfolio (Class S) Voya Investments, LLC American Century Investment Management, Inc. 0.011 0.0499 0.0819 0.09 Seeks capital appreciation. VY® Baron Growth Portfolio (Class S) Voya Investments, LLC BAMCO, Inc. 0.0125 -0.1094 -0.0034 0.0917 Seeks high total return consisting of capital appreciation and current income. VY® CBRE Global Real Estate Portfolio (Class I) Voya Investments, LLC CBRE Investment Management Listed Real Assets, LLC 0.0091 0.0682 0.0403 0.0399 Seeks total return including capital appreciation and current income. VY® Columbia Real Estate Portfolio (Class S) Voya Investments, LLC Columbia Management Investment Advisers, LLC 0.01 0.0003 0.0567 0.048 Seeks total return consisting of long-term capital appreciation and current income. VY® Columbia Contrarian Core Portfolio (Class S) Voya Investments, LLC Columbia Management Investment Advisers, LLC 0.0096 0.1708 0.1387 0.1401 Seeks long-term growth of capital. VY® Columbia Small Cap Value and Inflection Portfolio (Class S) Voya Investments, LLC Columbia Management Investment Advisers, LLC 0.0118 0.0804 0.096 0.0892 Seeks capital growth and income. VY® Invesco Comstock Portfolio (Class S) Voya Investments, LLC Invesco Advisers, Inc. 0.0097 0.1702 0.1495 0.1175 Seeks total return consisting of long-term capital appreciation and current income. VY® Invesco Equity and Income Portfolio (Class I) Voya Investments, LLC Invesco Advisers, Inc. 0.0064 0.128 0.0882 0.0886 Seeks total return consisting of long-term capital appreciation and current income. VY® Invesco Equity and Income Portfolio (Class S) Voya Investments, LLC Invesco Advisers, Inc. 0.0089 0.1253 0.0855 0.0859 Seeks long-term growth of capital and income. VY® Invesco Growth and Income Portfolio (Class S) Voya Investments, LLC Invesco Advisers, Inc. 0.009 0.1535 0.1282 0.1072 Seeks capital appreciation. VY® JPMorgan Emerging Markets Equity Portfolio (Class S) Voya Investments, LLC J.P. Morgan Investment Management Inc. 0.0144 0.3877 0.0004 0.09 Seeks growth from capital appreciation. VY® JPMorgan Mid Cap Value Portfolio (Class I) Voya Investments, LLC J.P. Morgan Investment Management Inc. 0.0085 0.0463 0.0953 0.0875 Seeks growth from capital appreciation. VY® JPMorgan Mid Cap Value Portfolio (Class S) Voya Investments, LLC J.P. Morgan Investment Management Inc. 0.011 0.0437 0.0926 0.0848 Seeks capital growth over the long term. VY® JPMorgan Small Cap Core Equity Portfolio (Class S) Voya Investments, LLC J.P. Morgan Investment Management Inc. 0.0114 0.0365 0.0463 0.0877 Seeks, over the long-term, a high total investment return, consistent with the preservation of capital and with prudent investment risk. VY® T. Rowe Price Capital Appreciation Portfolio (Class I) Voya Investments, LLC T. Rowe Price Associates, Inc. 0.0065 0.1232 0.0949 0.1132 Seeks long-term capital appreciation. VY® T. Rowe Price Diversified Mid Cap Growth Portfolio (Class I) Voya Investments, LLC T. Rowe Price Associates, Inc. 0.008 0.0992 0.0724 0.1278 The following is a list of Fixed Interest Options currently available under the Contract. We may change the features of the Fixed Interest Options listed below, offer new Fixed Interest Options, and terminate existing Fixed Interest Options. We will provide you with written notice before doing so. <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom; background-color: #D9D9D9"> <td style="padding: 4pt; border: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; width: 37%; text-align: center">Name</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 28%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">Term*</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 35%; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">Minimum Guaranteed Interest Rate**</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">Guaranteed Accumulation Account</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">1 month to 10 years </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">0.25%</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">The Fixed Account</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">4.00% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">The Fixed Plus Account</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">3.00% </td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">The Fixed Plus Account II A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif">1.00%</td></tr> </table> Guaranteed Accumulation Account P10Y 0.0025 The Fixed Account 0.04 The Fixed Plus Account 0.03 The Fixed Plus Account II A 0.01 Item 31A. Information about Contracts with Index-Linked Options and/or Fixed Options Subject to a Contract Adjustment<table cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 11%; border: black 1pt solid">Name of the Contract </td> <td style="padding: 4pt; width: 13%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid">Number of Contracts outstanding </td> <td style="padding: 4pt; width: 23%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid">Total value attributable to the Index-Linked Option and/or Fixed Option subject to a Contract Adjustment </td> <td style="padding: 4pt; width: 13%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid">Number of Contracts sold during the prior calendar year </td> <td style="padding: 4pt; width: 13%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid">Gross premiums received during the prior calendar year </td> <td style="padding: 4pt; width: 13%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid">Amount of Contract value redeemed during the prior calendar year </td> <td style="padding: 4pt; width: 14%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid">Combination Contract (Yes/No) </td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid">Guaranteed Accumulation Account (“GAA”)</td> <td style="padding: 4pt; border-bottom: black 1pt solid; border-right: black 1pt solid">9,151 contracts </td> <td style="padding: 4pt; border-bottom: black 1pt solid; border-right: black 1pt solid">$448,638,717 as of 12/31/25</td> <td style="padding: 4pt; border-bottom: black 1pt solid; border-right: black 1pt solid">0</td> <td style="padding: 4pt; border-bottom: black 1pt solid; border-right: black 1pt solid">$4,745,380 </td> <td style="padding: 4pt; border-bottom: black 1pt solid; border-right: black 1pt solid">$47,244,412 </td> <td style="padding: 4pt; border-bottom: black 1pt solid; border-right: black 1pt solid">Yes</td></tr> </table> Guaranteed Accumulation Account (“GAA”) 9151 448638717 0 4745380 47244412 true N-4 0000103007 false 2025-12-31 As a percentage of average Account Value. The Base Contract Expenses include (1) the mortality and expense risk charge (1.25% for Texas K-12 Contracts and 1.50% for all other Contracts), which compensates us for the mortality and expense risks we assume under the Contract, including those risks associated with our funding of the death benefit, including any guaranteed death benefits; (2) an administrative expense charge of up to 0.25%; and (3) a $30 annual maintenance fee converted to an annual percentage equal to 0.001650717%. The administrative expense charge and the annual maintenance fee may be reduced or eliminated in certain circumstances. The minimum amount reflects these reductions or eliminations, while the maximum amount does not. Additionally, the minimum amount reflects the lower mortality and expense risk charge for K-12 Contracts and the maximum amount reflects the higher mortality and expense risk charge for all other Contracts. See “CHARGES, FEES AND ADJUSTMENTS – Periodic Fees and Charges.” Certain Contracts that have a 0.0% Loan Interest Rate Spread may be subject to a loan initiation fee. If assessed, the loan initiation fee will apply to each outstanding loan taken and will be deducted from the Account Value. We reserve the right to change the fee charged for loan initiation, but not to exceed $125. See “Loans ‒ Things to Consider Before Initiating a Loan.” These fees may be waived, reduced or eliminated in certain circumstances. See “CHARGES, Fees AND ADJUSTMENTS.” Certain Contracts that have a 0.0% Loan Interest Rate Spread may be subject to an annual loan administration fee. If assessed, the annual loan maintenance fee will apply to each outstanding Plan Loan and be deducted from the vested individual account value. We reserve the right to change the annual fee charged for loan administration, but the fee shall not exceed $50. See “Loans ‒ Things to Consider Before Initiating a Loan.” This is a deferred sales charge. The percentage will be determined by the applicable early withdrawal charge schedule in the “CHARGES, Fees AND ADJUSTMENTS” section. In certain cases, this charge may not apply to a portion or all of your withdrawal. The early withdrawal charge reduces over time. This charge may be waived, reduced or eliminated in certain circumstances. See “CHARGES, Fees AND ADJUSTMENTS.” We reserve the right to deduct a charge for premium taxes from your Account Value or from payments to the Account at any time, but not before there is a tax liability under state law. See “CHARGES, Fees AND ADJUSTMENTS ‒ Premium and Other Taxes.” The mortality and expense risk charge, included in the Base Contract Expenses, compensates us for the mortality and expense risks we assume under the Contract, including those risks associated with our funding of the death benefit, including any guaranteed death benefits. The Base Contract Expenses also reflect an administration expense charge equal to 0.25% annually of your Account Value invested in the Subaccounts. See “CHARGES, FEES AND ADJUSTMENTS – Periodic Fees and Charges – Mortality and Expense Risk Charge.” This is the difference between the rate charged and the rate credited on loans under your Contract. We reserve the right to assess a Loan Interest Rate Spread between 0.0% and 3.0% per annum. If applied, the Loan Interest Rate Spread is generally 2.5% per annum. See “Loans ‒ Things to Consider Before Initiating a Loan.” A Market Value Adjustment will apply to withdrawals or transfers from the Guaranteed Accumulation Account. Withdrawals due to the election of a lifetime income option and Withdrawals due to the death of the participant (if paid within the first six months following death) will be subject to an aggregate MVA only if it is positive. All other withdrawals will be subject to an aggregate MVA, regardless of whether it is positive or negative. For more information, see “CHARGES, FEES AND ADJUSTMENTS – Contract Adjustments.” 3These expenses, which include management fees, distribution (12b-1) and/or service fees and other expenses, do not take into account any fee waiver or expense reimbursement arrangements that may apply. These expenses are for the year ended December 31, 2024, and will vary from year to year.