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2025-12-31 2025-12-31 0000103007 vmp:TheFixedPlusAccountIIMember 2025-12-31 2025-12-31 0000103007 vmp:TheFixedPlusAccountIIAMember 2025-12-31 2025-12-31 pure iso4217:USD N-4 VARIABLE ANNUITY ACCOUNT C OF VOYA RETIREMENT INSURANCE & ANNUITY Co <table cellpadding="0" style="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; width: 100%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">FEES, EXPENSES AND ADJUSTMENTS</td></tr> </table><table cellpadding="0" style="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%">Are There Charges or Adjustments for Early Withdrawals?</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; width: 78%">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a specified date, the Investor can be assessed an early withdrawal charge equal to a maximum of 5% of the amount withdrawn.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 your 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 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 Market Value Adjustment 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="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%">Are There Transaction Charges?</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; width: 78%">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="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; width: 100%">FEES, EXPENSES AND ADJUSTMENTS (continued from previous page)</td></tr> </table><table cellpadding="0" style="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; width: 22%; font: 11pt Calibri, Helvetica, Sans-Serif">Are There Ongoing Fees and Expenses? </td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; width: 78%; 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 Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td rowspan="3" style="padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid; width: 22%"> </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">Annual Fee</td> <td style="padding: 4pt; width: 21%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Minimum</td> <td style="padding: 4pt; width: 21%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Maximum</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Base Contract Expenses </td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center"> 1.25%1,2</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> 3.55%1,2</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 4pt">Portfolio Company fees and expenses</td> <td style="border-right: Black 1pt solid; padding: 4pt; text-align: center">0.28%3</td> <td style="border-right: Black 1pt solid; padding: 4pt; text-align: center">1.55%3</td></tr> </table><table cellpadding="0" style="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%"> </td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding: 4pt; width: 78%"> 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 Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%"> </td> <td style="border-top: Black 1pt solid; padding: 4pt; width: 43%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">Lowest Annual Cost Estimate: $2,636</td> <td style="padding: 4pt; width: 35%; border-top: Black 1pt solid; border-right: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">Highest Annual Cost Estimate: $3,494</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="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%"> </td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 43%">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="padding: 4pt; width: 35%; border-top: Black 1pt solid; border-right: Black 1pt solid">Assumes: •   Investment of $100,000 •   5% annual appreciation; •   No loans; •   Fees and expenses of most expensive Fund; •   Transferred Asset Benefit Charge •   No sales charges; and •   No additional Purchase Payments, transfers, or withdrawals.</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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%"> </td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 78%; border-bottom: Black 1pt solid"> 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="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="text-align: justify; vertical-align: top; width: 18pt; font: 11pt Calibri, Helvetica, Sans-Serif">1</td> <td style="text-align: justify; vertical-align: bottom; font: 11pt Calibri, Helvetica, Sans-Serif">As a percentage of average Account Value.</td></tr> <tr> <td style="text-align: justify; vertical-align: top; font: 11pt Calibri, Helvetica, Sans-Serif">2</td> <td style="text-align: justify; vertical-align: bottom; font: 11pt Calibri, Helvetica, Sans-Serif">The Base Contract Expenses include (1) a mortality and expense risk charge, 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 and any guaranteed death benefit; (2) a $30 annual maintenance fee, (0.1848467% when converted to an annual percentage), which helps defray the administrative expenses we incur in establishing and maintaining the accounts, and may be reduced or eliminated in certain circumstances; and (3) a daily asset charge, which compensates us for the risks we assume under the Contracts and the expenses we expect to incur in administering the Contract. See “CHARGES, AND FEES AND ADJUSTMENTS – Periodic Fees and Charges.”</td></tr> <tr> <td style="text-align: justify; vertical-align: top; font: 10pt Calibri, Helvetica, Sans-Serif">3</td> <td style="font: 10pt Calibri, Helvetica, Sans-Serif; vertical-align: bottom; text-align: justify">As a percentage of the Portfolio Company’s net assets. 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, 2025, and will vary from year to year. When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> </table> <table cellpadding="0" style="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%">Are There Charges or Adjustments for Early Withdrawals?</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; width: 78%">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 5% 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 your 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 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 Market Value Adjustment 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> 10 0.05 7000 <table cellpadding="0" style="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%">Are There Transaction Charges?</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; width: 78%">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="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; width: 22%; font: 11pt Calibri, Helvetica, Sans-Serif">Are There Ongoing Fees and Expenses? </td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; width: 78%; 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 Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td rowspan="3" style="padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid; width: 22%"> </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">Annual Fee</td> <td style="padding: 4pt; width: 21%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Minimum</td> <td style="padding: 4pt; width: 21%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Maximum</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Base Contract Expenses </td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center"> 1.25%1,2</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> 3.55%1,2</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 4pt">Portfolio Company fees and expenses</td> <td style="border-right: Black 1pt solid; padding: 4pt; text-align: center">0.28%3</td> <td style="border-right: Black 1pt solid; padding: 4pt; text-align: center">1.55%3</td></tr> </table><table cellpadding="0" style="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%"> </td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding: 4pt; width: 78%"> 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 Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%"> </td> <td style="border-top: Black 1pt solid; padding: 4pt; width: 43%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">Lowest Annual Cost Estimate: $2,636</td> <td style="padding: 4pt; width: 35%; border-top: Black 1pt solid; border-right: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">Highest Annual Cost Estimate: $3,494</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="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%"> </td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 43%">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="padding: 4pt; width: 35%; border-top: Black 1pt solid; border-right: Black 1pt solid">Assumes: •   Investment of $100,000 •   5% annual appreciation; •   No loans; •   Fees and expenses of most expensive Fund; •   Transferred Asset Benefit Charge •   No sales charges; and •   No additional Purchase Payments, transfers, or withdrawals.</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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%"> </td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 78%; border-bottom: Black 1pt solid"> 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="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="text-align: justify; vertical-align: top; width: 18pt; font: 11pt Calibri, Helvetica, Sans-Serif">1</td> <td style="text-align: justify; vertical-align: bottom; font: 11pt Calibri, Helvetica, Sans-Serif">As a percentage of average Account Value.</td></tr> <tr> <td style="text-align: justify; vertical-align: top; font: 11pt Calibri, Helvetica, Sans-Serif">2</td> <td style="text-align: justify; vertical-align: bottom; font: 11pt Calibri, Helvetica, Sans-Serif">The Base Contract Expenses include (1) a mortality and expense risk charge, 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 and any guaranteed death benefit; (2) a $30 annual maintenance fee, (0.1848467% when converted to an annual percentage), which helps defray the administrative expenses we incur in establishing and maintaining the accounts, and may be reduced or eliminated in certain circumstances; and (3) a daily asset charge, which compensates us for the risks we assume under the Contracts and the expenses we expect to incur in administering the Contract. See “CHARGES, AND FEES AND ADJUSTMENTS – Periodic Fees and Charges.”</td></tr> <tr> <td style="text-align: justify; vertical-align: top; font: 10pt Calibri, Helvetica, Sans-Serif">3</td> <td style="font: 10pt Calibri, Helvetica, Sans-Serif; vertical-align: bottom; text-align: justify">As a percentage of the Portfolio Company’s net assets. 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, 2025, and will vary from year to year. When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> </table> 0.0125 0.0355 0.0028 0.0155 <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="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%"> </td> <td style="border-top: Black 1pt solid; padding: 4pt; width: 43%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">Lowest Annual Cost Estimate: $2,636</td> <td style="padding: 4pt; width: 35%; border-top: Black 1pt solid; border-right: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">Highest Annual Cost Estimate: $3,494</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="border-right: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%"> </td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 43%">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="padding: 4pt; width: 35%; border-top: Black 1pt solid; border-right: Black 1pt solid">Assumes: •   Investment of $100,000 •   5% annual appreciation; •   No loans; •   Fees and expenses of most expensive Fund; •   Transferred Asset Benefit Charge •   No sales charges; and •   No additional Purchase Payments, transfers, or withdrawals.</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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; padding: 4pt; width: 22%"> </td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 78%; border-bottom: Black 1pt solid"> 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> 2636 3494 As a percentage of average Account Value.2The Base Contract Expenses include (1) a mortality and expense risk charge, 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 and any guaranteed death benefit; (2) a $30 annual maintenance fee, (0.1848467% when converted to an annual percentage), which helps defray the administrative expenses we incur in establishing and maintaining the accounts, and may be reduced or eliminated in certain circumstances; and (3) a daily asset charge, which compensates us for the risks we assume under the Contracts and the expenses we expect to incur in administering the Contract. See “CHARGES, AND FEES AND ADJUSTMENTS – Periodic Fees and Charges.” As a percentage of the Portfolio Company’s net assets. 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, 2025, and will vary from year to year. When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively. <table cellpadding="0" style="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border-top: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; text-align: center">RISKS</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: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; width: 22%">Is There a Risk of Loss from Poor Performance? </td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; width: 78%">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> </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: 4pt; border: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; width: 22%">Is This a Short-Term Investment?</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 78%">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, Account Value in the GAA will be reallocated at the end of the Guaranteed Term according to the investor’s instructions. When a guaranteed term ends, if we have not received 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. See “<a href="#pro_005">PRINCIPAL RISKS OF INVESTING IN THE CONTRACT.”</a></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: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; width: 22%">What Are the Risks Associated with the Investment Options?</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 78%">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> </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: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; width: 22%">What Are the Risks Related to the Insurance Company? </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 78%">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, Account Value in the GAA will be reallocated at the end of the Guaranteed Term according to the investor’s instructions. When a guaranteed term ends, if we have not received 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. 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 “THE INVESTMENT OPTIONS – The Fixed Interest Options”. 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 actively 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; •    Withdrawals may reduce the amount of a death benefit based on Purchase Payments by more than the amount withdrawn; and •   The Transferred Asset Benefit Charge only applies if the Contract Holder has elected this option. If elected, the charge will apply to all participants under the Contract. 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</a>” and “<a href="#pro_019">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 Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: rgb(210,247,250)"> <td style="padding: 3pt; width: 73%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">Maximum Early withdrawal Charge1</td> <td style="padding: 3pt; width: 27%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(210,247,250)"> <td style="font: 11pt Calibri, Helvetica, Sans-Serif; padding: 0pt 3pt; text-align: justify">(as a percentage of amount withdrawn, if applicable)</td> <td style="font: 11pt Calibri, Helvetica, Sans-Serif; padding: 0pt 3pt; text-align: right"> </td></tr> <tr style="vertical-align: bottom; "> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">     The Contract</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: right">5.00%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(210,247,250)"> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">Maximum Loan Fee</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">     Loan Initiation Fee2</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: right">$125.00</td></tr> <tr style="vertical-align: bottom; background-color: rgb(210,247,250)"> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">Premium Tax3</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: right">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="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: rgb(210,247,250)"> <td style="padding: 3pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; vertical-align: top">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="padding: 3pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; white-space: nowrap; vertical-align: bottom">100%</td></tr> </table><table cellpadding="0" style="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 18pt; font: 11pt Calibri, Helvetica, Sans-Serif">1</td> <td style="vertical-align: bottom; font: 11pt Calibri, 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. These fees may be waived, reduced, or eliminated in certain circumstances. See “CHARGES, FEES AND ADJUSTMENTS.”</td></tr> <tr> <td style="vertical-align: top; font: 11pt Calibri, Helvetica, Sans-Serif">2</td> <td style="vertical-align: bottom; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">If the Contract has a 0.0% Loan Interest Rate Spread, it 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> <tr> <td style="vertical-align: top; font: 11pt Calibri, Helvetica, Sans-Serif">3</td> <td style="vertical-align: bottom; font: 11pt Calibri, 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> <tr> <td style="vertical-align: top; font: 11pt Calibri, Helvetica, Sans-Serif">4</td> <td style="vertical-align: bottom; font: 11pt Calibri, 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="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 3pt; width: 82%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify"> </td> <td style="border-bottom: Black 1pt solid; padding: 3pt; width: 18%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">Applicable to the Contract</td></tr> <tr style="background-color: rgb(210,247,250)"> <td style="padding: 3pt; vertical-align: top">Base Contract Expense1,2 (as a percentage of average Account Value)</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">3.55%</td></tr> <tr style="vertical-align: top; "> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">Administrative Expense2</td> <td style="padding: 3pt; border-top: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$30.00</td></tr> </table> <table cellpadding="0" style="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: rgb(210,247,250)"> <td style="padding: 3pt; width: 82%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">Maximum Loan Fees</td> <td style="padding: 3pt; width: 18%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify"> </td></tr> <tr style="vertical-align: bottom; "> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">Loan Interest Rate Spread (per annum)3</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">3.00%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(210,247,250)"> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">Annual Loan Administration Fee4</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; 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. These amounts also include the Subaccount Administrative Adjustment Charge (the “Platform Charge”) if you choose to invest in certain Funds5. 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 Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 3pt; width: 64%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify"> </td> <td style="padding: 3pt; width: 18%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">Minimum</td> <td style="font: 11pt Calibri, Helvetica, Sans-Serif; padding: 3pt; width: 18%; text-align: center">Maximum</td></tr> <tr style="background-color: rgb(210,247,250)"> <td style="padding: 3pt; vertical-align: top; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; padding: 3pt; text-align: center">0.28%</td> <td style="font: 11pt Calibri, Helvetica, Sans-Serif; padding: 3pt; text-align: center">1.55%</td></tr> <tr> <td style="padding: 3pt; vertical-align: top"> 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 reimbursements6 </td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">0.28%</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">1.53%</td></tr> </table><table cellpadding="0" style="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="text-align: justify; vertical-align: top; width: 18pt; font: 11pt Calibri, Helvetica, Sans-Serif">1</td> <td style="text-align: justify; vertical-align: bottom; font: 11pt Calibri, Helvetica, Sans-Serif">The daily asset 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. During the Income Phase, the charge is 1.25% on an annual basis. The transferred asset benefit charge also included in the Base Contract Expenses, covers the costs associated with providing the transferred asset benefit for Contract Holders who elect this option. 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 – Daily Asset Charge.”</td></tr> <tr> <td style="text-align: justify; vertical-align: top; font: 11pt Calibri, Helvetica, Sans-Serif">2</td> <td style="text-align: justify; vertical-align: bottom; font: 11pt Calibri, Helvetica, Sans-Serif">These fees may be waived, reduced, or eliminated in certain circumstances. See “CHARGES, FEES AND ADJUSTMENTS.”</td></tr> <tr> <td style="text-align: justify; vertical-align: top; font: 11pt Calibri, Helvetica, Sans-Serif">3</td> <td style="text-align: justify; vertical-align: bottom; font: 11pt Calibri, Helvetica, Sans-Serif">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. The Loan Interest Rate Spread is charged until the loan is repaid in full. See “LOANS – Things to Consider Before Initiating a Loan.”</td></tr> <tr> <td style="text-align: justify; vertical-align: top; font: 11pt Calibri, Helvetica, Sans-Serif">4</td> <td style="text-align: justify; vertical-align: bottom; font: 11pt Calibri, Helvetica, Sans-Serif">If the Contract has a 0.0% Loan Interest Rate Spread, it may be subject to an annual loan administration fee. If assessed, the annual loan maintenance fee will apply to each outstanding loan and will be deducted from the Account Value annually at the beginning of each calendar year. We reserve the right to change the annual fee charged for loan maintenance, but the fee shall not exceed $50. The Annual Loan administration fee is charged until the loan is repaid in full. See “LOANS – Things to Consider Before Initiating a Loan.”</td></tr> <tr> <td style="text-align: justify; vertical-align: top; font: 11pt Calibri, Helvetica, Sans-Serif">5</td> <td style="text-align: justify; vertical-align: bottom; font: 11pt Calibri, Helvetica, Sans-Serif">The platform charge applies to a select group of investment options, identified in the Charges and Fees section. The charge is only assessed on assets invested in these investment options and varies based upon the investment option. For Contracts issued before May 1, 2004 (or state regulatory approval of the maximum 0.80% charge, whichever is later), the maximum platform charge is 0.50%. The maximum platform charge we currently apply is 0.60%. See “CHARGES, FEES AND ADJUSTMENTS – Subaccount Administrative Adjustment Charge – (the “Platform Charge).”</td></tr> <tr> <td style="text-align: justify; vertical-align: top; font: 11pt Calibri, Helvetica, Sans-Serif">6</td> <td style="text-align: justify; vertical-align: bottom; font: 11pt Calibri, Helvetica, Sans-Serif">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. When the platform charge is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively. See “CHARGES, FEES AND ADJUSTMENTS - Periodic Fees and Charges – Subaccount Administrative Adjustment Charge – (the “Platform Charge”) for information about this charge on a select group of investment options. Examples These examples are intended to help you compare the cost of investing in the Variable Investment Options with the cost of investing in variable annuity contracts that offer Variable Investment Options. These costs include transaction expenses (assuming no loan), 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: <table cellpadding="0" style="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td rowspan="2" style="padding: 3pt; width: 35%; border: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif">Example A: If you withdraw your entire Account Value at the end of the applicable time period:</td> <td style="padding: 3pt; vertical-align: top; width: 16%; border-top: Black 1pt solid; border-right: Black 1pt solid"> 1 Year</td> <td style="padding: 3pt; vertical-align: top; width: 16%; border-top: Black 1pt solid; border-right: Black 1pt solid"> 3 Years</td> <td style="padding: 3pt; vertical-align: top; width: 16%; border-top: Black 1pt solid; border-right: Black 1pt solid"> 5 Years</td> <td style="padding: 3pt; vertical-align: top; width: 17%; border-top: Black 1pt solid; border-right: Black 1pt solid"> 10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$9,163</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$17,603</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$25,150</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$45,885</td></tr> </table> <table cellpadding="0" style="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td rowspan="2" style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; width: 35%">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="padding: 3pt; vertical-align: top; border-right: Black 1pt solid; width: 16%"> 1 Year</td> <td style="padding: 3pt; vertical-align: top; border-right: Black 1pt solid; width: 16%"> 3 Years</td> <td style="padding: 3pt; vertical-align: top; border-right: Black 1pt solid; width: 16%"> 5 Years</td> <td style="padding: 3pt; vertical-align: top; border-right: Black 1pt solid; width: 17%"> 10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$4,118</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$12,467</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$20,966</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$45,885</td></tr> </table><table cellpadding="0" style="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 18pt; font: 10pt Calibri, Helvetica, Sans-Serif">*</td> <td style="vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; text-align: justify">This example will not apply if during the Income Phase a nonlifetime 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 Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: rgb(210,247,250)"> <td style="padding: 3pt; width: 73%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">Maximum Early withdrawal Charge1</td> <td style="padding: 3pt; width: 27%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(210,247,250)"> <td style="font: 11pt Calibri, Helvetica, Sans-Serif; padding: 0pt 3pt; text-align: justify">(as a percentage of amount withdrawn, if applicable)</td> <td style="font: 11pt Calibri, Helvetica, Sans-Serif; padding: 0pt 3pt; text-align: right"> </td></tr> <tr style="vertical-align: bottom; "> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">     The Contract</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: right">5.00%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(210,247,250)"> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">Maximum Loan Fee</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: right"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">     Loan Initiation Fee2</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: right">$125.00</td></tr> <tr style="vertical-align: bottom; background-color: rgb(210,247,250)"> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">Premium Tax3</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: right">0.00% to 4.00%</td></tr> </table> 0.05 125 0 0.04 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. These fees may be waived, reduced, or eliminated in certain circumstances. See “CHARGES, FEES AND ADJUSTMENTS.” If the Contract has a 0.0% Loan Interest Rate Spread, it 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.”3We 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.” Annual Contract Expenses<table cellpadding="0" style="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="padding: 3pt; width: 82%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify"> </td> <td style="border-bottom: Black 1pt solid; padding: 3pt; width: 18%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">Applicable to the Contract</td></tr> <tr style="background-color: rgb(210,247,250)"> <td style="padding: 3pt; vertical-align: top">Base Contract Expense1,2 (as a percentage of average Account Value)</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">3.55%</td></tr> <tr style="vertical-align: top; "> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">Administrative Expense2</td> <td style="padding: 3pt; border-top: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$30.00</td></tr> </table><table cellpadding="0" style="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: rgb(210,247,250)"> <td style="padding: 3pt; width: 82%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">Maximum Loan Fees</td> <td style="padding: 3pt; width: 18%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify"> </td></tr> <tr style="vertical-align: bottom; "> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">Loan Interest Rate Spread (per annum)3</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">3.00%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(210,247,250)"> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">Annual Loan Administration Fee4</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$50.00</td></tr> </table> 0.0355 30 0.03 50 Annual Fund Expenses<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: 3pt; width: 64%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify"> </td> <td style="padding: 3pt; width: 18%; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">Minimum</td> <td style="font: 11pt Calibri, Helvetica, Sans-Serif; padding: 3pt; width: 18%; text-align: center">Maximum</td></tr> <tr style="background-color: rgb(210,247,250)"> <td style="padding: 3pt; vertical-align: top; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; padding: 3pt; text-align: center">0.28%</td> <td style="font: 11pt Calibri, Helvetica, Sans-Serif; padding: 3pt; text-align: center">1.55%</td></tr> <tr> <td style="padding: 3pt; vertical-align: top"> 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 reimbursements6 </td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">0.28%</td> <td style="padding: 3pt; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">1.53%</td></tr> </table> 0.0028 0.0155 0.0028 0.0153 The daily asset 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. During the Income Phase, the charge is 1.25% on an annual basis. The transferred asset benefit charge also included in the Base Contract Expenses, covers the costs associated with providing the transferred asset benefit for Contract Holders who elect this option. 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 – Daily Asset Charge.” These fees may be waived, reduced, or eliminated in certain circumstances. See “CHARGES, FEES AND ADJUSTMENTS.” 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. The Loan Interest Rate Spread is charged until the loan is repaid in full. See “LOANS – Things to Consider Before Initiating a Loan.” If the Contract has a 0.0% Loan Interest Rate Spread, it may be subject to an annual loan administration fee. If assessed, the annual loan maintenance fee will apply to each outstanding loan and will be deducted from the Account Value annually at the beginning of each calendar year. We reserve the right to change the annual fee charged for loan maintenance, but the fee shall not exceed $50. The Annual Loan administration fee is charged until the loan is repaid in full. See “LOANS – Things to Consider Before Initiating a Loan.” 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="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td rowspan="2" style="padding: 3pt; width: 35%; border: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif">Example A: If you withdraw your entire Account Value at the end of the applicable time period:</td> <td style="padding: 3pt; vertical-align: top; width: 16%; border-top: Black 1pt solid; border-right: Black 1pt solid"> 1 Year</td> <td style="padding: 3pt; vertical-align: top; width: 16%; border-top: Black 1pt solid; border-right: Black 1pt solid"> 3 Years</td> <td style="padding: 3pt; vertical-align: top; width: 16%; border-top: Black 1pt solid; border-right: Black 1pt solid"> 5 Years</td> <td style="padding: 3pt; vertical-align: top; width: 17%; border-top: Black 1pt solid; border-right: Black 1pt solid"> 10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$9,163</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$17,603</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$25,150</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$45,885</td></tr> </table> 9163 17603 25150 45885 <table cellpadding="0" style="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td rowspan="2" style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; width: 35%">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="padding: 3pt; vertical-align: top; border-right: Black 1pt solid; width: 16%"> 1 Year</td> <td style="padding: 3pt; vertical-align: top; border-right: Black 1pt solid; width: 16%"> 3 Years</td> <td style="padding: 3pt; vertical-align: top; border-right: Black 1pt solid; width: 16%"> 5 Years</td> <td style="padding: 3pt; vertical-align: top; border-right: Black 1pt solid; width: 17%"> 10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$4,118</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$12,467</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$20,966</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 11pt Calibri, Helvetica, Sans-Serif; text-align: center">$45,885</td></tr> </table> 4118 12467 20966 45885 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 Calibri, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="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 the 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; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="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; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="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; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="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; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="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; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="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; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="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.</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="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 increasingsophistication 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 the 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. 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 increasingsophistication 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 Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border: Black 1pt solid; width: 15%; 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; width: 23%; 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: 15%; 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: 33%; 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">Account Value Death Benefit</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">.Pays a death benefit equal to the Account Value</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 death benefit.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">For amounts held in the Guaranteed Accumulation Account, 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. 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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 5%">1</td> <td style="vertical-align: bottom; width: 95%">Guaranteed period payments may not extend beyond the shorter of your life expectancy or until age 95.</td></tr> <tr> <td style="vertical-align: top">2</td> <td style="vertical-align: bottom">For contracts issued to the University of Illinois, the nonlifetime option is available only with fixed Income Phase payments.</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: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; width: 15%; border: Black 1pt solid">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">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: 15%; 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: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">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">Return of Purchase Payment Death Benefit</td> <td style="padding: 4pt; 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; 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 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> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Asset Rebalancing Program</td> <td style="padding: 4pt; 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; 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">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 Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; width: 15%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">Name of Benefit</td> <td style="padding: 4pt; width: 23%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">Purpose</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">Is Benefit Standard or Optional</td> <td style="padding: 4pt; width: 15%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">Maximum Fee</td> <td style="padding: 4pt; width: 33%; border-bottom: Black 1pt solid; border-right: 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">Loans</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Allows you to borrow against your Account Value.</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">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; 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> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Transferred Asset Benefit Option (“TAB”)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">The Company may provide a transferred asset benefit (“TAB”) option to the Contract Holder in connection with the purchase of the Contract in order to help defray charges that may apply when assets are transferred from another financial provider.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Optional</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">In the event that the Contract Holder elects the TAB option, there will be an additional transferred asset benefit charge not to exceed 1.00% (not to exceed 0.50% for contracts issued prior to September 27, 2010, or upon state regulatory approval of the maximum 1.00% charge, whichever is later), and a reduction in the Fixed Plus Account II or the Fixed Plus Account II A interest credited rate not to exceed 1.00% (not to exceed 0.50% for contracts issued prior to September 27, 2010, or upon state regulatory approval of the maximum 1.00% charge, whichever is later), which will apply to all participants under the Contract regardless of whether they receive the benefit of the TAB. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 12pt Times New Roman, Times, Serif">The Company will apply a dollar amount not to exceed 5% of the total plan assets transferred to the Company.</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 18pt">*</td> <td style="vertical-align: bottom">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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="text-align: justify">Under Contracts issued in connection with most types of plans except 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> Under Contracts issued in connection with voluntary 403(b) and Roth 403(b) plans, you may generally designate your own Contract Beneficiary who will normally be your Plan Beneficiary, as well. 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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="text-align: justify">The payment request should include selection of a benefit payment option (see below); and</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="text-align: justify">Lump-sum payment;</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="text-align: justify">Payment in accordance with any of the available Income Phase option (see “INCOME PHASE – Income Phase Payment Options”); or</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="text-align: justify">Payment in accordance with an available systematic distribution option (subject to limitations). See “SYSTEMATIC DISTRIBUTION OPTIONS.”</td></tr></table>The Account Value may also remain invested in the Contract; however, the Tax Code limits how long the death benefit proceeds may be left in this option. 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. 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. 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 we receive proof of death and a payment request in Good Order. Return of Purchase Payment Death Benefit. Most 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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">•</td><td style="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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">•</td><td style="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> For example, if (a) the Account Value were $100,000 and (b) the sum of payments was $120,000 and (c) there had been no withdrawals and no premium tax and (d) there was an outstanding loan equal to $10,000, then the death benefit amount would equal $120,000 less $10,000 or $110,000. 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. 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 satisfy 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. <table cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; border: Black 1pt solid; width: 15%; 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; width: 23%; 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: 15%; 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: 33%; 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">Account Value Death Benefit</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">.Pays a death benefit equal to the Account Value</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 death benefit.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">For amounts held in the Guaranteed Accumulation Account, 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. 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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 5%">1</td> <td style="vertical-align: bottom; width: 95%">Guaranteed period payments may not extend beyond the shorter of your life expectancy or until age 95.</td></tr> <tr> <td style="vertical-align: top">2</td> <td style="vertical-align: bottom">For contracts issued to the University of Illinois, the nonlifetime option is available only with fixed Income Phase payments.</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: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; width: 15%; border: Black 1pt solid">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">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: 15%; 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: 33%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">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">Return of Purchase Payment Death Benefit</td> <td style="padding: 4pt; 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; 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 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> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Asset Rebalancing Program</td> <td style="padding: 4pt; 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; 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">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 Times New Roman, Times, Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="padding: 4pt; width: 15%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center">Name of Benefit</td> <td style="padding: 4pt; width: 23%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">Purpose</td> <td style="padding: 4pt; width: 14%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">Is Benefit Standard or Optional</td> <td style="padding: 4pt; width: 15%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">Maximum Fee</td> <td style="padding: 4pt; width: 33%; border-bottom: Black 1pt solid; border-right: 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">Loans</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Allows you to borrow against your Account Value.</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">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; 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> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Transferred Asset Benefit Option (“TAB”)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">The Company may provide a transferred asset benefit (“TAB”) option to the Contract Holder in connection with the purchase of the Contract in order to help defray charges that may apply when assets are transferred from another financial provider.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Optional</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">In the event that the Contract Holder elects the TAB option, there will be an additional transferred asset benefit charge not to exceed 1.00% (not to exceed 0.50% for contracts issued prior to September 27, 2010, or upon state regulatory approval of the maximum 1.00% charge, whichever is later), and a reduction in the Fixed Plus Account II or the Fixed Plus Account II A interest credited rate not to exceed 1.00% (not to exceed 0.50% for contracts issued prior to September 27, 2010, or upon state regulatory approval of the maximum 1.00% charge, whichever is later), which will apply to all participants under the Contract regardless of whether they receive the benefit of the TAB. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font: 12pt Times New Roman, Times, Serif">The Company will apply a dollar amount not to exceed 5% of the total plan assets transferred to the Company.</td></tr> </table> Account Value Death Benefit Pays a death benefit equal to the Account Value true For amounts held in the Guaranteed Accumulation Account, 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. This benefit may not be available under your Contract. Participants should refer to their plan documents for available benefits. 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. 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. Transferred Asset Benefit Option (“TAB”) The Company may provide a transferred asset benefit (“TAB”) option to the Contract Holder in connection with the purchase of the Contract in order to help defray charges that may apply when assets are transferred from another financial provider. true 0.01 0.01 The Company will apply a dollar amount not to exceed 5% of the total plan assets transferred to the Company. 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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="text-align: justify">Under Contracts issued in connection with most types of plans except 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>Under Contracts issued in connection with voluntary 403(b) and Roth 403(b) plans, you may generally designate your own Contract Beneficiary who will normally be your Plan Beneficiary, as well.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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="text-align: justify">The payment request should include selection of a benefit payment option (see below); and</td></tr></table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="text-align: justify">Lump-sum payment;</td></tr></table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="text-align: justify">Payment in accordance with any of the available Income Phase option (see “INCOME PHASE – Income Phase Payment Options”); or</td></tr></table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="text-align: justify">Payment in accordance with an available systematic distribution option (subject to limitations). See “SYSTEMATIC DISTRIBUTION OPTIONS.”</td></tr></table>The Account Value may also remain invested in the Contract; however, the Tax Code limits how long the death benefit proceeds may be left in this option.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. 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. 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 we receive proof of death and a payment request in Good Order.Return of Purchase Payment Death Benefit. Most 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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">•</td><td style="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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">•</td><td style="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>For example, if (a) the Account Value were $100,000 and (b) the sum of payments was $120,000 and (c) there had been no withdrawals and no premium tax and (d) there was an outstanding loan equal to $10,000, then the death benefit amount would equal $120,000 less $10,000 or $110,000.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.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 satisfy 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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="text-align: justify">Lump-sum payment;</td></tr></table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="text-align: justify">Payment in accordance with any of the available Income Phase option (see “INCOME PHASE – Income Phase Payment Options”); or</td></tr></table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 13.5pt">•</td><td style="text-align: justify">Payment in accordance with an available systematic distribution option (subject to limitations). See “SYSTEMATIC DISTRIBUTION OPTIONS.”</td></tr></table>The Account Value may also remain invested in the Contract; however, the Tax Code limits how long the death benefit proceeds may be left in this option. 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. 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. 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 we receive proof of death and a payment request in Good Order.Return of Purchase Payment Death Benefit. Most 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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">•</td><td style="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="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">•</td><td style="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>For example, if (a) the Account Value were $100,000 and (b) the sum of payments was $120,000 and (c) there had been no withdrawals and no premium tax and (d) there was an outstanding loan equal to $10,000, then the death benefit amount would equal $120,000 less $10,000 or $110,000.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. 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. Additionally, some financial institutions or broker-dealers through which the Contract is sold may limit the availability of certain investment options. 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 investment options available to you, please reach out to your financial institution or broker-dealer. Variable Options The following is a list of Funds available under the Contract. The Funds available to you may vary based on employer and state approval and participants should refer to their plan documents for a list of available Funds. 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 the fee and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge, such as Platform Charges. 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: 11pt Calibri, 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 rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term growth of capital.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">AB Relative Value Fund (Class A)1 Investment Adviser: AllianceBernstein L.P.</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.90%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.10%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">5.51%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.08%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.77%</td></tr> </table> <table cellpadding="0" style="width: 100%; border-collapse: collapse; font-family: Calibri, Helvetica, Sans-Serif; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, 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 rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</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: 19%; 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: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Alger Capital Appreciation Fund (Class A)1 Investment Adviser: Fred Alger Management, LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.28%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.38%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">24.25%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">14.59%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">17.12%</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">Alger Responsible Investing Fund (Class A)1 Investment Adviser: Fred Alger Management, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.10%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.89%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.33%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.80%</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 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)1 Investment Adviser: Saturna Capital Corporation</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.86%(2)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.11%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.75%(2)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.42%(2)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.46%(2)</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 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)1 Investment Adviser: Saturna Capital Corporation</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.01%(2)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.26%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.88%(2)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.31%(2)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.62%(2)</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">** </td> <td style="vertical-align: bottom; font-size: 10pt">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top">1</td> <td style="vertical-align: bottom">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> <td style="vertical-align: top">2</td> <td style="vertical-align: bottom">This information is being provided based on the fund’s most recent prospectus filing.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="padding: 4pt; text-align: center; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="padding: 4pt; vertical-align: top; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; 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> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 19%">Seeks to provide total return and inflation protection consistent with investment in inflation-indexed securities.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%">American Century Investments® Inflation-Adjusted Bond Fund (Investor Class)1 Investment Adviser: American Century Investment Management, Inc.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.54%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.35%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.89%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%"> 6.67%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%"> 0.84%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%"> 2.70%</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">Seeks to provide (1) conservation of capital, (2) current income and (3) long-term growth of capital and income.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">American Funds® – American Balanced FundÒ (Class R-3)1 Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.89%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">18.08%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.21%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.43%</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">Seeks to provide long-term growth of capital while providing current income.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">American Funds® – Capital World Growth and Income FundÒ (Class R-3)2 Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.06%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">24.32%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.91%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.52%</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">Seeks to provide long-term growth of capital.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">American Funds® – EUPAC Growth FundÒ (Class R-3)**,1 Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.12%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">28.35%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.91%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.75%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">* </td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top">**</td> <td style="vertical-align: bottom; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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="background-color: #BFBFBF"> <td style="text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">1 Year</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">5 Years</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to achieve long-term growth of capital and income.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">American Funds® – Fundamental InvestorsÒ (Class R-3)1 Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.92%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">23.85%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">14.07%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">13.70%</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 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid">American Funds® – New Perspective FundÒ (Class R-3)1 Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.05%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">20.85%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.66%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.31%</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">Seeks to provide growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">American Funds® – The Growth Fund of AmericaÒ (Class R3)1 Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.93%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">19.53%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.44%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.77%</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 to provide current income while secondarily striving for capital growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">American Funds® – The Income Fund of AmericaÒ (Class R-3)1 Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.90%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.37%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.69%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.26%</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 to produce income and to provide an opportunity for growth of principal consistent with sound common stock investing.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">American Funds® – Washington Mutual Investors FundSM (Class R-3)1 Investment Adviser: Capital Research and Management CompanySM</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">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">16.76%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">13.57%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.75%</td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid">Ariel Appreciation Fund (Investor Class)3 Investment Adviser: Ariel Investments, LLC</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">1.15%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">0.35%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">1.50%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">11.11%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">7.57%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">7.95%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; text-align: left">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 rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</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: 19%; 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: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Ariel Fund (Investor Class)1 Investment Adviser: Ariel Investments, LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.01%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.35%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.36%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">14.15%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.36%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.51%</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 maximum long– term capital growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Artisan International Fund (Investor Class)1 Investment Adviser: Artisan Partners Limited Partnership</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.19%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.44%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">36.03%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.56%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.26%</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 total return and current income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">BlackRock Equity Dividend Fund (Investor A Shares)1 Investment Adviser: BlackRock Advisors, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.94%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">21.40%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.45%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.98%</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 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid">BlackRock Mid Cap Value Fund (Investor A Shares)1 Investment Adviser: BlackRock Advisors, LLC</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">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">13.43%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.91%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.75%</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 Acorn® Fund (Class A)1 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">1.07%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.27%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.56%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.83%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.27%</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 to provide shareholders with high level of current income as its primary objective and, as its secondary objective, capital growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Columbia High Yield Bond Fund (Class S)1 Investment Adviser: Columbia Management Investment Advisers, LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.73%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.79%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> 4.09%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> 5.56%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; text-align: left">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">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; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 19%">Seeks to provide shareholders with a high level of current income and as a secondary objective, steady growth of capital.</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; width: 27%">Columbia Value Intrinsic Fund (Institutional Class)***,1 Investment Adviser: Columbia Management Investment Advisers, LLC</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.72%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center; width: 8%"> 19.91%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center; width: 8%"> 12.42%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center; width: 8%"> 11.44%</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid">Columbia Select Mid Cap Value Fund (Class A)1 Investment Adviser: Columbia Management Investment Advisers, LLC</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1.13%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1.33%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center"> 13.62%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center"> 11.06%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10.19%</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid">Columbia Variable Portfolio –Acorn Fund**** Investment Adviser: Columbia Wanger Asset Management, LLC</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">0.91%*</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1.11%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">4.47%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1.02%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">8.66%</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid">Columbia Variable Portfolio – Acorn International Fund***** Investment Adviser: Columbia Wanger Asset Management, LLC</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1.08%*</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1.28%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center"> 12.76%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center"> -1.00%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center"> 4.31%</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid">CRM Mid Cap Value Fund – Investor Shares Investment Adviser: Cramer Rosenthal McGlynn, LLC</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1.04%*</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">8.88%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">8.06%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10.04%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom"> <td style="vertical-align: top; width: 3%; font-size: 10pt; text-align: left">*</td> <td style="width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr style="vertical-align: bottom"> <td style="vertical-align: top; font-size: 10pt; text-align: left">**</td> <td style="font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="vertical-align: bottom"> <td style="vertical-align: top; font-size: 10pt; text-align: left">***</td> <td style="font-size: 10pt; text-align: justify">Effective September 1, 2025, the Columbia Large Cap Value Fund changed its name to the Columbia Intrinsic Value Fund.</td></tr> <tr style="vertical-align: bottom"> <td style="vertical-align: top; font-size: 10pt; text-align: left">****</td> <td style="font-size: 10pt; text-align: justify">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="vertical-align: bottom"> <td style="vertical-align: top; font-size: 10pt; text-align: left">*****</td> <td style="font-size: 10pt; text-align: justify">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="vertical-align: bottom"> <td style="vertical-align: top; font-size: 10pt; text-align: left">1</td> <td style="font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; text-align: left">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">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; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 4pt; width: 19%; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term growth of principal and income. A secondary objective is to achieve a reasonable current income.</td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 27%; border-bottom: Black 1pt solid">Dodge & Cox Stock Fund (Class I)1 Investment Adviser: Dodge & Cox</td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 10%; border-bottom: Black 1pt solid; text-align: center">0.51%</td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 10%; border-bottom: Black 1pt solid; text-align: center">0.50%</td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 10%; border-bottom: Black 1pt solid; text-align: center">1.01%</td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 8%; border-bottom: Black 1pt solid; text-align: center">13.66%</td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 8%; border-bottom: Black 1pt solid; text-align: center">13.31%</td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 8%; border-bottom: Black 1pt solid; text-align: center">12.79%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid">Seeks total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid">Eaton Vance Large-Cap Value Fund (Class R)2,3 Investment Adviser: Boston Management and Research (BMR), a subsidiary of Eaton Vance Management. Investment adviser to the Large-Cap Value Portfolio</td> <td style="padding: 4pt; border-right: Black 1pt solid; text-align: center">1.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; text-align: center">N/A </td> <td style="padding: 4pt; border-right: Black 1pt solid; text-align: center">11.83%</td> <td style="padding: 4pt; border-right: Black 1pt solid; text-align: center">9.98%</td> <td style="padding: 4pt; border-right: Black 1pt solid; text-align: center">9.47%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border: Black 1pt solid">Seeks capital appreciation.</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Fidelity Advisor® New Insights Fund (Class I)3 Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadviser(s): FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited </td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.81%**</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.40%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.21%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">23.03%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.49%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.75%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Operating expenses reflecting applicable waivers or expense limitations as reported in the Fund’s expenses.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Dodge & Cox International Stock Fund is only available to plans offering the Fund prior to January 16, 2015.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Eaton Vance Large-Cap Value Fund invests all of its investable assets in interests in Large-Cap Value Portfolio, which has the same investment objective and policies as the Fund.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">3</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="padding: 4pt; text-align: center; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="text-align: center; padding: 4pt; vertical-align: bottom; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 19%">Seeks a high level of current income. The Fund may also seek capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%">Fidelity Advisor® Strategic Income Fund (Class A)1 Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadviser(s): 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.93%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">4.23%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">2.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">4.07%</td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid">FidelityÒ 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="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">0.54%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">0.40%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">0.94%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">21.52%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">15.37%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">15.78%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 19%">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 500Ò Index.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%">FidelityÒ 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; text-align: center; width: 10%">0.46%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.40%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.86%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">19.02%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">12.51%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">11.60%</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 to achieve capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FidelityÒ 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.55%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.40%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.95%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">13.70%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.45%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="padding: 4pt; text-align: center; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 19%">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%">Franklin Mutual Global Discovery Fund (Class R)1 Investment Adviser: Franklin Mutual Advisers, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">1.45%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">23.08%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">11.70%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">8.38%</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 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; text-align: center">0.91%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.11%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.65%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.86%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">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">Seeks long-term capital growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Franklin Small-Mid Cap Growth Fund (Class A)1 Investment Adviser: Franklin Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.84%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-2.91%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.56%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">** </td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top">*** </td> <td style="vertical-align: bottom">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> <td style="vertical-align: top">1</td> <td style="vertical-align: bottom">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 19%">Seeks income and conservation of principal and secondarily long-term growth of capital.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%">Impax Sustainable Allocation Fund (Investor Class) Investment Adviser: Impax Asset Management LLC</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.93%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.20%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">1.13%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">10.86%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">5.38%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">7.68%</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">Seeks capital appreciation.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Invesco Developing Markets Fund (Class A)1,2 Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.30%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.45%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">21.27%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-1.65%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.40%</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">Seeks capital appreciation.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Invesco Discovery Large Cap Fund (Class A) Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.93%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A </td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">26.64%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.54%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.40%**</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">Seeks capital appreciation.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Invesco Gold & Special Minerals Fund (Class A)1 Investment Adviser: Invesco Advisers, Inc. </td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.05%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.20%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">6.85%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.54%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.84%**</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">Seeks long-term growth of capital.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Invesco HealthCare Fund (Investor Class)1 Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.07%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.22%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.48%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.72%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">6.38%</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">Seeks total return, through growth of capital and current income.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Invesco High Yield Fund (Class R5) Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.70%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A </td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.37%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.19%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.05%**</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">** </td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This information is being provided based on the fund’s most recent prospectus filing.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 19%">Seeks total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%">Invesco International Bond Fund (Class A)1 Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">1.07%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.15%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">1.22%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">11.94%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">-0.72%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">2.37%</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">Invesco Main Street Mid Cap Fund® (Class A)1 Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.19%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.99%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.73%</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">Seeks long-term growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Invesco Small Cap Value Fund (Class A)1 Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.10%***</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.30%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.69%***</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.95%***</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.13%***</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">Lazard Emerging Markets Equity Portfolio (Open Shares)1,2 Investment Adviser: Lazard Asset Management LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.38%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.58%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">41.77% </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">9.35% </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 high current income and the opportunity for capital appreciation to produce a high total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Lord Abbett Bond Debenture Fund (Class R4) Investment Adviser: Lord, Abbett & Co. LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.95%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.49%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2.18%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.81%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">**</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This information is being provided based on the fund’s most recent prospectus filing.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">The Lazard Emerging Markets Equity Portfolio is only available to plans offering the portfolio prior to July 19, 2010.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to deliver current income and the opportunity for capital appreciation by investing primarily in U.S. investment grade corporate, government, and mortgage- and asset-backed securities.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Lord Abbett Core Fixed Income Fund (Class A)1,2 Investment Adviser: Lord, Abbett & Co. LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.56%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.76%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.08%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-0.26%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.95%</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 to deliver long-term growth of capital by investing primarily in stocks of small U.S. companies.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Lord Abbett Developing Growth Fund (Class A)1 Investment Adviser: Lord, Abbett & Co. LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.94%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</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">14.37%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-1.21%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.02%</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 to deliver long-term growth of capital by investing primarily in stocks of U.S. companies.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Lord Abbett Fundamental Equity Fund (Class A)1 Investment Adviser: Lord, Abbett & Co. LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.93%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.13%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.15%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">13.29%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.90%</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 to deliver long-term growth of capital by investing primarily in stocks of mid-sized U.S. companies.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Lord Abbett Mid Cap Stock Fund (Class A)1,3 Investment Adviser: Lord, Abbett & Co. LLC</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">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.22%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.27%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.32%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.21%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">The Lord Abbett Core Fixed Income Fund is only available to plans offering the Fund prior to December 31, 2015.</td></tr> <tr> <td style="vertical-align: top">3</td> <td style="vertical-align: bottom">The Lord Abbett Mid Cap Stock Fund is only available to plans offering the Fund prior to September 1, 2005.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to deliver long-term growth of capital by investing primarily in stocks of small U.S. companies.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Lord Abbett Small-Cap Value Fund (Class A)1,2 Investment Adviser: Lord, Abbett & Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.21%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.41%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.60%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.25%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">6.61%</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">Massachusetts Investors Growth Stock Fund (Class A)1 Investment Adviser: Massachusetts Financial Services Company</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.71%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.88%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.08%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.32%</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 total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">NYLI CBRE Real Estate Fund (Class A)***,1 Investment Adviser: New York Life Investment Management LLC Subadviser: CBRE Investment Management</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.18%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-0.62%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.54%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.98%</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 growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">NYLI Winslow Large Cap Growth Fund (Class R3)****,1 Investment Adviser: New York Life Investment Management LLC Subadviser: Winslow Capital Management, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.29%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">13.88%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.52%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom"> <td style="text-align: left; width: 3%; font-size: 10pt; vertical-align: top">*</td> <td style="width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; font-size: 10pt; vertical-align: top">**</td> <td style="font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; vertical-align: top">***</td> <td style="text-align: justify">Effective August 28, 2024, the MainStay CBRE Real Estate Fund (Class A) changed its name to the NYLI CBRE Real Estate Fund (Class A).</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; vertical-align: top">****</td> <td style="text-align: justify">Effective August 28, 2024, the MainStay Winslow Large Cap Growth (Class R3) Fund changed its name to the NYLI Winslow Large Cap Growth Fund (Class R3).</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; font-size: 10pt; vertical-align: top">1</td> <td style="font-size: 10pt; text-align: justify">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> <td style="text-align: left; vertical-align: top">2</td> <td style="vertical-align: bottom">The Lord Abbett Small-Cap Value Fund are only available to plans offering these Funds prior to September 1, 2005.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks growth of capital.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Neuberger Genesis Fund® (Trust Class)**,1 Investment Adviser: Neuberger Berman Investment Advisers LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.84%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.35%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.19%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-4.50%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">2.93%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.15%</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">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; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Neuberger Quality Equity Fund (Trust Class)**,1,2 Investment Adviser: Neuberger Berman Investment Advisers LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.35%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.39%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.18%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">13.68%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">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">Seeks to maximize current income. Long-term capital appreciation is a secondary objective.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PIMCO Income Fund (Class A) Investment Adviser: Pacific Investment Management Company LLC</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">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.08%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.31%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</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 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 (Admin Class) Investment Adviser: Pacific Investment Management Company LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.39%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.64%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.85%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.21%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.21%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective July 28, 2025, the Neuberger Berman Sustainable Equity Fund changed its name to the Neuberger Quality Equity Fund.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top">2</td> <td style="vertical-align: bottom">The Neuberger Berman Quality Equity Fund is closed to new retirement plans.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term growth of capital and current income.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Royce Small-Cap Total Return Fund (Service Class)1 Investment Adviser: Royce</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.49%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.35%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.84%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">2.13%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.53%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.07%</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 to provide long-term capital appreciation by investing primarily in mid-sized companies that appear to be undervalued.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">T. Rowe Price Mid-Cap Value Fund (Class R)1,2 Investment Adviser: T. Rowe Price Associates, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.38%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.59%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.48%</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 growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Templeton Foreign Fund (Class A)1 Investment Adviser: Templeton Global Advisors Limited</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">1.10%** </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.30%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">21.29%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.52%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.98%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">The T. Rowe Price Mid-Cap Value Fund is only available to plans offering the Fund prior to February 25, 2005.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="padding: 4pt; text-align: center; border-top: Black 1pt solid; border-right: Black 1pt solid; vertical-align: bottom">PLATFORM CHARGES</td> <td rowspan="2" style="padding: 4pt; text-align: center; border-top: Black 1pt solid; border-right: Black 1pt solid; vertical-align: bottom">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term growth of capital.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">The Hartford International Opportunities Fund (Class R4)1,2 Investment Adviser: Hartford Funds Management Company, LLC (“HFMC”) Subadviser: Wellington Management Company, LLP</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.10%</td> <td style="padding: 4pt; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.20%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">29.80%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">6.52%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.71%</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">Seeks long-term capital appreciation by investing in equity and debt securities of all types. The secondary, non-fundamental goal of the Fund is to seek some current income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Thornburg International Equity Fund (Class R4)1 Investment Adviser: Thornburg Investment Management, Inc. (“Thornburg”)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.15%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> 33.79%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> 8.95%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.92% </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 and income growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Vanguard® Diversified Value Portfolio24,26 Investment Adviser: Hotchkis and Wiley Capital Management, LLC (Hotchkis and Wiley), Lazard Asset Management LLC (Lazard)</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">0.60%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.88%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">16.83%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">13.24%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.76%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">The Hartford International Opportunities Fund is closed to new retirement plans.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to provide an above-average level of current income and reasonable long-term capital appreciation.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Vanguard® Equity Income Portfolio1,2 Investment Adviser: Wellington Management Company LLP (Wellington Management, The Vanguard Group, Inc. (Vanguard)</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.29%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.60%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.89%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">16.80%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">12.59%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">11.52%</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 to provide long-term capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Vanguard® Small Company Growth Portfolio1,2 Investment Adviser: ArrowMark Partners, Vanguard Quantitative Equity Group</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.29%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.60%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.89%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">6.11%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.81%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.61%</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">Maximize total return through a combination of income and capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Victory Pioneer High Yield Fund (Class A)***,1 Investment Adviser: Amundi Asset Management US, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.10%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.30%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.57%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.94%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.42%</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 a high level of current income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Victory Pioneer Strategic Income Fund (Class A)****,1 Investment Adviser: Amundi Asset Management US, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.97%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.17%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.16%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.21%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: 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 to provide long-term capital growth by investing primarily in common stocks.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Victory Sycamore Established Value Fund (Class A)1,2 Investment Adviser: Victory Capital Management Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.89%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.99%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2.33%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.57%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.60%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt">Effective May 2, 2025, the Pioneer High Yield Fund (Class A) changed its name to the Victory Pioneer High Yield Fund (Class A).</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">****</td> <td style="vertical-align: bottom; font-size: 10pt">Effective March 31, 2025, the Pioneer Strategic Income Fund (Class A) changed its name to the Victory Pioneer Strategic Income Fund (Class A).</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt">The Victory Sycamore Established Value Fund is closed to new retirement investors. The Fund will continue to be available for investment by existing investors and through retirement plans that currently offer the Fund.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to provide capital appreciation.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Victory Sycamore Small Company Opportunity Fund (Class R) Investment Adviser: Victory Capital Management Inc.</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.44%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.60%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">2.04%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.20%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">6.45%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.97%</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 growth of capital and income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Virtus NFJ Dividend Value Fund (Class A)1 Investment Adviser: Virtus Investment Advisers, Inc. Subadviser: NFJ Investment Group, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.03%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.23%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-0.83%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.03%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.78%**</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 growth of capital and income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Virtus NFJ Small-Cap Value Fund (Class A)1 Investment Adviser: Virtus Investment Advisers, Inc. Subadviser: NFJ Investment Group, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.17%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.37%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-0.16%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.04%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.22%**</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 to maximize income while maintaining prospects for capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.58%***</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.83%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.96%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.16%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This information is being provided based on the fund’s most recent prospectus filing.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top">****</td> <td style="vertical-align: bottom">Effective July 24, 2026, the Voya Balanced Income Portfolio will change its name to the Voya Balanced Income Fund.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to maximize total return through a combination of current income and capital appreciation.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Global Bond Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.94%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.54%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-2.54%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.57%</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 to maximize total returns and maintain lower volatility relative to the overall market.</td> <td style="padding: 4pt; 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; text-align: center">0.60%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">19.00%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.52%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.05%</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 to maximize total returns and maintain lower volatility relative to the overall market.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: 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; text-align: center">0.85%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">18.73%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.78%</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">Voya Global Insights 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; text-align: center">0.81%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.06%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">24.31%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.21%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.97%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective on or about July 17, 2026, the Voya Global Insights Portfolio will change its name to Voya Global Insights Fund.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</td></tr><tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya GNMA Income Fund (Class A)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.54%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.36%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.23%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.14%</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 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Voya Government Money Market Portfolio (Class I)2 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">0.40%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.50%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.90%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.02%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.02%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.96%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-left: Black 1pt solid; border-right: Black 1pt solid">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; width: 27%; border-right: Black 1pt solid">Voya Growth and Income Portfolio (Class I)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-right: Black 1pt solid; text-align: center">0.67%**</td> <td style="padding: 4pt; width: 10%; border-right: Black 1pt solid; text-align: center">0.35%</td> <td style="padding: 4pt; width: 10%; border-right: Black 1pt solid; text-align: center">1.02%</td> <td style="padding: 4pt; width: 8%; border-right: Black 1pt solid; text-align: center">18.21%</td> <td style="padding: 4pt; width: 8%; border-right: Black 1pt solid; text-align: center">15.46%</td> <td style="padding: 4pt; width: 8%; border-right: Black 1pt solid; text-align: center">14.62%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border: Black 1pt solid">Seeks to provide investors with a high level of current income and total return.</td> <td style="padding: 4pt; border-top: Black 1pt solid; 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-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.50%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.60%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.80%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.92%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.82%</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 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 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">0.75%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.85%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.41%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.66%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.55%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top">1</td> <td style="vertical-align: bottom">The Voya Growth and Income Portfolio is only available to those Contracts that were offering the ING Opportunistic LargeCap Portfolio (Class I) as of August 20, 2010.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">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; width: 27%; border-bottom: Black 1pt solid; border-right: 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; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.55%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.40%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.95%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">15.20%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">13.73%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">13.90%</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 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">Voya Index Plus MidCap 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; text-align: center">0.60%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.40%</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">8.16%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.90%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.75%</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 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; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.60%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.40%</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">8.27%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.97%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.23%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2030 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.63%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">14.92%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">6.25%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.99%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top">2</td> <td style="vertical-align: bottom">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2035 Portfolio (Class S2)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.62%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">16.63%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.23%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.82%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top">1</td> <td style="vertical-align: bottom">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2040 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.64%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">18.37%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.48%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.71%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2045 Portfolio (Class I)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.22%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">20.07%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.75%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.68%</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">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; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Voya Index Solution 2045 Portfolio (Class S2)1 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">0.62%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">19.61%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.30%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.23%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</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; width: 19%">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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%">Voya Index Solution 2050 Portfolio (Class S2)1 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; width: 10%">0.66%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">20.09%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">9.54%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">10.33%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2055 Portfolio (Class S2)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.66%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">20.20%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.59%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.37%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom">PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2060 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.65%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">20.19%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.64%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.45%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2065 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.65%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">20.33%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.73%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</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 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 2070 Portfolio (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; text-align: center">0.75%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective August 11, 2025, the Voya Index Solution 2070 Portfolio Class I has been added to the prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2070 Portfolio (Class S2)*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.65%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</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 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 Income Portfolio (Class A)1 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">0.71%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.30%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.36%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.92%</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 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 Income Portfolio (Class S2)2 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">0.61%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.36%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.46%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.02%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective August 11, 2025, the Voya Index Solution 2070 Portfolio Class I has been added to the prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund employs a managed volatility strategy. See “INVESTMENT OPTIONS – The Variable Investment Options – Funds With Managed Volatility Strategies” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to maximize total return consistent with reasonable risk.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Intermediate Bond Fund (Class A)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.68%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.17%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-0.24%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">2.31%</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">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; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.55%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.35%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.90%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.71%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2.66%</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 maximum total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Voya International High Dividend Low Volatility Portfolio (Class S)2 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">1.01%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">37.60%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.59%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.83%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">* </td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund employs a managed volatility strategy. See “INVESTMENT OPTIONS – The Variable Investment Options – Funds With Managed Volatility Strategies” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">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: 27%; 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: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.45%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.70%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">30.89%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.50%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">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">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; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Voya International Index 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">0.70%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.95%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">30.48%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.21%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.62%</td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid">A non-diversified Fund that seeks long-term capital appreciation.</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid">Voya Large-Cap Growth Fund (Class A)2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">0.89%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">14.95%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">11.98%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">14.86%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top">2</td> <td style="vertical-align: bottom">This Fund is only available to those Contracts that were offering the ING Lord Abbett Growth and Income Portfolio (Class I) and the ING Pioneer Equity Income Portfolio (Class I) prior to January 21, 2011. Class S shares remain available for investment under the Contract.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">A non-diversified Portfolio that seeks long-term capital growth.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Large Cap Growth Portfolio (Class S)*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC and T. Rowe Price Associates Inc.****</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.92%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">15.09%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">11.96%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">14.90%</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">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; border-bottom: Black 1pt solid; text-align: center">0.83%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.98%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.90%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.55%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.97%</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 maximum long-term capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Voya Multi-Manager International Small Cap Fund (Class A)1 Investment Adviser: Voya Investments, LLC Subadviser: Acadian Asset Management LLC and Victory Capital Management Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.53%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">38.69%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.40%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.90%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective November 21, 2025, the VY® T. Rowe Price Growth Equity Portfolio merged into the Voya Large Cap Growth Portfolio.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">****</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective October 27, 2025, T. Rowe Price Associates Inc. was added as a sub-adviser to Voya Large Cap Growth Portfolio.</td></tr> <tr> <td style="vertical-align: top">1</td> <td style="vertical-align: bottom">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya RussellTM Large Cap Growth Index Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.68%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">17.82%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">15.95%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">18.35%</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 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; border-right: Black 1pt solid; border-bottom: 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.36%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.61%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">18.75%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.72%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.36%</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 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; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.68%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.69%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.42%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.25%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">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: 4pt; width: 27%; 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: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.40%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.65%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.08%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.26%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.59%</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">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: 4pt; 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: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.43%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.68%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.51%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.75%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.29%</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 growth of capital primarily through investment in a diversified portfolio of common stock of companies with smaller market capitalizations.</td> <td style="padding: 4pt; 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: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.87%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.59%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">6.26%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.39%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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: 27%; 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: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.92%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.12%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">14.80%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">5.85%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">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">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 S2)1,2 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">1.12%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.13%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.97%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.79%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top">1</td> <td style="vertical-align: bottom">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Solution 2035 Portfolio (Class S2)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.13%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">15.84%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.06%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.52%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top">1</td> <td style="vertical-align: bottom">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Solution 2040 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.13%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">17.71%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.17%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.41%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Solution 2045 Portfolio (Class S2)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.15%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">19.06%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.92%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.77%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Solution 2050 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.16%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">19.44%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.13%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.89%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Solution 2055 Portfolio (Class S2)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.18%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">19.51%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.18%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.93%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Solution 2060 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.18%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">19.44%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.13%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.89%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top">2</td> <td style="vertical-align: bottom">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Solution 2065 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.18%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">19.55%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.23%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</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 to provide capital appreciation.</td> <td style="padding: 4pt; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.77%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">16.87%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.89%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.55%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr style="vertical-align: top"> <td style="font-size: 10pt">2 </td> <td style="font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to provide total return (i.e., income and capital appreciation, both realized and unrealized).</td> <td style="padding: 4pt; width: 27%; 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; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.75%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.90%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">13.05%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">6.84%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.04%</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 to provide total return (i.e., income and capital growth, both realized and unrealized) consistent with preservation of capital.</td> <td style="padding: 4pt; 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; text-align: center">0.66%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.81%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.33%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2.97%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.77%</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 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 Income Portfolio (Class S2)1 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">1.08%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.72%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.18%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.99%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Bloomberg U.S. Aggregate Bond Index.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: 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; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.36%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.61%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">6.70%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-0.75%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.64%</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 growth. Income is a secondary objective.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.10%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.99%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.19%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.00%</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">Seeks capital appreciation.</td> <td style="padding: 4pt; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.25%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-10.94%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-0.34%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.17%</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">Seeks total return including capital appreciation and current income.</td> <td style="padding: 4pt; 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; 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">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.03%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.67%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.80%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective on or about July 17, 2026, the VY® Baron Growth Portfolio will merge into the Voya MidCap Opportunities Fund.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">****</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective January 21, 2026, the VY® CBRE Real Estate Portfolio changed its name to the 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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks total return consisting of long-term capital appreciation and current income.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: 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; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.96%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">17.08%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">13.87%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">14.01%</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">Seeks long-term growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: 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; text-align: center">1.18%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.60%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.92%</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 growth and income.</td> <td style="padding: 4pt; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.97%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.02%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.95%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.75%</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 total return consisting of long-term capital appreciation and current income.</td> <td style="padding: 4pt; 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; text-align: center">0.89%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.53%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.55%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.59%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term growth of capital and income.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: 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; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.90%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.00%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">15.35%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">12.82%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.72%</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">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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.44%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.54%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">38.77%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.00%</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">Seeks growth from capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">VY® JPMorgan Mid Cap Value Portfolio (Class S)1 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; text-align: center">1.10%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.37%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.26%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.48%</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 growth over the long-term.</td> <td style="padding: 4pt; 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; 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">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.24%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.65%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.63%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.77%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">The VY® JPMorgan Mid Cap Value Portfolio is only available to plans offering the Fund prior to February 7, 2014.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">VY® T. Rowe Price Capital Appreciation Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: T. Rowe Price Associates, Inc.</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.90%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.00%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">12.02%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.22%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">11.04%</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">VY® T. Rowe Price Diversified Mid Cap Growth Portfolio (Class I)1 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; text-align: center">0.80%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.24%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.78%</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">VY® T. Rowe Price Diversified Mid Cap Growth Portfolio (Class S) 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; text-align: center">1.05%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.67%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">6.97%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.49%</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 high current return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Western Asset Mortgage Total Return Fund (Class A)2 Investment Adviser: Legg Mason Partners Fund Advisor, LLC Subadviser: Western Asset Management Company, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.98%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.05%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.03%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.61%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-0.83%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.15%</td></tr> </table> <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">The VY® T. Rowe Price Diversified Mid Cap Growth Portfolio is only available to plans that were offering Class I prior to November 3, 2005. Class S shares remain available for investment under the Contract.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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>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.” <table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #D9D9D9"> <td style="padding: 4pt; width: 34%; border: Black 1pt solid; text-align: center">Name</td> <td style="padding: 4pt; width: 26%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Term*</td> <td style="padding: 4pt; width: 40%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Minimum Guaranteed Interest Rate**</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</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">1 month to 10 years </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">0.25%</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 Fixed Plus Account II</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">1.50% </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">The Fixed Plus Account II A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">1.00%</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%; border-spacing: 0px;"><tr style="vertical-align: top; text-align: justify"> <td style="width: 15pt; text-align: left">*</td><td style="width: 3pt"></td><td style="text-align: justify">The terms available under your plan may vary.</td> </tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 6pt; width: 100%; border-spacing: 0px;"><tr style="vertical-align: top; text-align: justify"> <td style="width: 15pt; text-align: left">**</td><td style="width: 3pt"></td><td style="text-align: justify">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. The Funds available to you may vary based on employer and state approval and participants should refer to their plan documents for a list of available Funds. 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 the fee and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge, such as Platform Charges. 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: 11pt Calibri, 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 rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term growth of capital.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">AB Relative Value Fund (Class A)1 Investment Adviser: AllianceBernstein L.P.</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.90%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.10%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">5.51%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.08%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.77%</td></tr> </table><table cellpadding="0" style="width: 100%; border-collapse: collapse; font-family: Calibri, Helvetica, Sans-Serif; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, 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 rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</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: 19%; 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: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Alger Capital Appreciation Fund (Class A)1 Investment Adviser: Fred Alger Management, LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.28%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.38%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">24.25%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">14.59%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">17.12%</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">Alger Responsible Investing Fund (Class A)1 Investment Adviser: Fred Alger Management, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.10%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.89%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.33%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.80%</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 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)1 Investment Adviser: Saturna Capital Corporation</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.86%(2)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.11%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.75%(2)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.42%(2)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.46%(2)</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 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)1 Investment Adviser: Saturna Capital Corporation</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.01%(2)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.26%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.88%(2)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.31%(2)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.62%(2)</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">** </td> <td style="vertical-align: bottom; font-size: 10pt">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top">1</td> <td style="vertical-align: bottom">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> <td style="vertical-align: top">2</td> <td style="vertical-align: bottom">This information is being provided based on the fund’s most recent prospectus filing.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="padding: 4pt; text-align: center; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="padding: 4pt; vertical-align: top; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; 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> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 19%">Seeks to provide total return and inflation protection consistent with investment in inflation-indexed securities.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%">American Century Investments® Inflation-Adjusted Bond Fund (Investor Class)1 Investment Adviser: American Century Investment Management, Inc.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.54%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.35%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.89%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%"> 6.67%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%"> 0.84%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%"> 2.70%</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">Seeks to provide (1) conservation of capital, (2) current income and (3) long-term growth of capital and income.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">American Funds® – American Balanced FundÒ (Class R-3)1 Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.89%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">18.08%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.21%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.43%</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">Seeks to provide long-term growth of capital while providing current income.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">American Funds® – Capital World Growth and Income FundÒ (Class R-3)2 Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.06%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">24.32%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.91%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.52%</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">Seeks to provide long-term growth of capital.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">American Funds® – EUPAC Growth FundÒ (Class R-3)**,1 Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.12%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">28.35%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.91%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.75%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">* </td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top">**</td> <td style="vertical-align: bottom; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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="background-color: #BFBFBF"> <td style="text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">1 Year</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">5 Years</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to achieve long-term growth of capital and income.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">American Funds® – Fundamental InvestorsÒ (Class R-3)1 Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.92%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">23.85%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">14.07%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">13.70%</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 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid">American Funds® – New Perspective FundÒ (Class R-3)1 Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.05%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">20.85%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.66%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.31%</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">Seeks to provide growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">American Funds® – The Growth Fund of AmericaÒ (Class R3)1 Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.93%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">19.53%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.44%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.77%</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 to provide current income while secondarily striving for capital growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">American Funds® – The Income Fund of AmericaÒ (Class R-3)1 Investment Adviser: Capital Research and Management CompanySM</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.90%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.37%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.69%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.26%</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 to produce income and to provide an opportunity for growth of principal consistent with sound common stock investing.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">American Funds® – Washington Mutual Investors FundSM (Class R-3)1 Investment Adviser: Capital Research and Management CompanySM</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">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">16.76%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">13.57%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.75%</td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid">Ariel Appreciation Fund (Investor Class)3 Investment Adviser: Ariel Investments, LLC</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">1.15%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">0.35%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">1.50%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">11.11%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">7.57%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">7.95%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; text-align: left">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 rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</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: 19%; 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: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Ariel Fund (Investor Class)1 Investment Adviser: Ariel Investments, LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.01%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.35%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.36%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">14.15%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.36%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.51%</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 maximum long– term capital growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Artisan International Fund (Investor Class)1 Investment Adviser: Artisan Partners Limited Partnership</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.19%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.44%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">36.03%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.56%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.26%</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 total return and current income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">BlackRock Equity Dividend Fund (Investor A Shares)1 Investment Adviser: BlackRock Advisors, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.94%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">21.40%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.45%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.98%</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 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid">BlackRock Mid Cap Value Fund (Investor A Shares)1 Investment Adviser: BlackRock Advisors, LLC</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">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">13.43%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.91%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.75%</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 Acorn® Fund (Class A)1 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">1.07%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.27%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.56%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.83%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.27%</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 to provide shareholders with high level of current income as its primary objective and, as its secondary objective, capital growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Columbia High Yield Bond Fund (Class S)1 Investment Adviser: Columbia Management Investment Advisers, LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.73%*</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.79%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> 4.09%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> 5.56%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; text-align: left">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">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; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 19%">Seeks to provide shareholders with a high level of current income and as a secondary objective, steady growth of capital.</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; width: 27%">Columbia Value Intrinsic Fund (Institutional Class)***,1 Investment Adviser: Columbia Management Investment Advisers, LLC</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.72%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center; width: 8%"> 19.91%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center; width: 8%"> 12.42%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center; width: 8%"> 11.44%</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid">Columbia Select Mid Cap Value Fund (Class A)1 Investment Adviser: Columbia Management Investment Advisers, LLC</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1.13%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1.33%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center"> 13.62%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center"> 11.06%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10.19%</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid">Columbia Variable Portfolio –Acorn Fund**** Investment Adviser: Columbia Wanger Asset Management, LLC</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">0.91%*</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1.11%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">4.47%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1.02%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">8.66%</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid">Columbia Variable Portfolio – Acorn International Fund***** Investment Adviser: Columbia Wanger Asset Management, LLC</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1.08%*</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1.28%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center"> 12.76%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center"> -1.00%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center"> 4.31%</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid">CRM Mid Cap Value Fund – Investor Shares Investment Adviser: Cramer Rosenthal McGlynn, LLC</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1.04%*</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">8.88%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">8.06%</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10.04%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom"> <td style="vertical-align: top; width: 3%; font-size: 10pt; text-align: left">*</td> <td style="width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr style="vertical-align: bottom"> <td style="vertical-align: top; font-size: 10pt; text-align: left">**</td> <td style="font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="vertical-align: bottom"> <td style="vertical-align: top; font-size: 10pt; text-align: left">***</td> <td style="font-size: 10pt; text-align: justify">Effective September 1, 2025, the Columbia Large Cap Value Fund changed its name to the Columbia Intrinsic Value Fund.</td></tr> <tr style="vertical-align: bottom"> <td style="vertical-align: top; font-size: 10pt; text-align: left">****</td> <td style="font-size: 10pt; text-align: justify">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="vertical-align: bottom"> <td style="vertical-align: top; font-size: 10pt; text-align: left">*****</td> <td style="font-size: 10pt; text-align: justify">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="vertical-align: bottom"> <td style="vertical-align: top; font-size: 10pt; text-align: left">1</td> <td style="font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; text-align: left">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">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; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt">AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)</td></tr> <tr style="vertical-align: bottom; background-color: #BFBFBF"> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; padding: 4pt; width: 19%; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term growth of principal and income. A secondary objective is to achieve a reasonable current income.</td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 27%; border-bottom: Black 1pt solid">Dodge & Cox Stock Fund (Class I)1 Investment Adviser: Dodge & Cox</td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 10%; border-bottom: Black 1pt solid; text-align: center">0.51%</td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 10%; border-bottom: Black 1pt solid; text-align: center">0.50%</td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 10%; border-bottom: Black 1pt solid; text-align: center">1.01%</td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 8%; border-bottom: Black 1pt solid; text-align: center">13.66%</td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 8%; border-bottom: Black 1pt solid; text-align: center">13.31%</td> <td style="border-right: Black 1pt solid; padding: 4pt; width: 8%; border-bottom: Black 1pt solid; text-align: center">12.79%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid">Seeks total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid">Eaton Vance Large-Cap Value Fund (Class R)2,3 Investment Adviser: Boston Management and Research (BMR), a subsidiary of Eaton Vance Management. Investment adviser to the Large-Cap Value Portfolio</td> <td style="padding: 4pt; border-right: Black 1pt solid; text-align: center">1.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; text-align: center">N/A </td> <td style="padding: 4pt; border-right: Black 1pt solid; text-align: center">11.83%</td> <td style="padding: 4pt; border-right: Black 1pt solid; text-align: center">9.98%</td> <td style="padding: 4pt; border-right: Black 1pt solid; text-align: center">9.47%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border: Black 1pt solid">Seeks capital appreciation.</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Fidelity Advisor® New Insights Fund (Class I)3 Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadviser(s): FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited </td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.81%**</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.40%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.21%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">23.03%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.49%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.75%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Operating expenses reflecting applicable waivers or expense limitations as reported in the Fund’s expenses.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Dodge & Cox International Stock Fund is only available to plans offering the Fund prior to January 16, 2015.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Eaton Vance Large-Cap Value Fund invests all of its investable assets in interests in Large-Cap Value Portfolio, which has the same investment objective and policies as the Fund.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">3</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="padding: 4pt; text-align: center; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="text-align: center; padding: 4pt; vertical-align: bottom; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 19%">Seeks a high level of current income. The Fund may also seek capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%">Fidelity Advisor® Strategic Income Fund (Class A)1 Investment Adviser: Fidelity Management & Research Company LLC (“FMR”) Subadviser(s): 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.93%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">4.23%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">2.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">4.07%</td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term capital appreciation.</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid">FidelityÒ 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="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">0.54%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">0.40%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">0.94%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">21.52%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">15.37%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">15.78%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 19%">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 500Ò Index.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%">FidelityÒ 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; text-align: center; width: 10%">0.46%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.40%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.86%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">19.02%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">12.51%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">11.60%</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 to achieve capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FidelityÒ 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.55%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.40%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.95%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">13.70%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.45%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="padding: 4pt; text-align: center; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 19%">Seeks capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%">Franklin Mutual Global Discovery Fund (Class R)1 Investment Adviser: Franklin Mutual Advisers, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">1.45%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">23.08%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">11.70%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">8.38%</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 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; text-align: center">0.91%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.11%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.65%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.86%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">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">Seeks long-term capital growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Franklin Small-Mid Cap Growth Fund (Class A)1 Investment Adviser: Franklin Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.84%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-2.91%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.56%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">** </td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top">*** </td> <td style="vertical-align: bottom">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> <td style="vertical-align: top">1</td> <td style="vertical-align: bottom">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 19%">Seeks income and conservation of principal and secondarily long-term growth of capital.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%">Impax Sustainable Allocation Fund (Investor Class) Investment Adviser: Impax Asset Management LLC</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.93%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.20%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">1.13%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">10.86%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">5.38%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">7.68%</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">Seeks capital appreciation.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Invesco Developing Markets Fund (Class A)1,2 Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.30%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.45%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">21.27%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-1.65%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.40%</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">Seeks capital appreciation.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Invesco Discovery Large Cap Fund (Class A) Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.93%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A </td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">26.64%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.54%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.40%**</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">Seeks capital appreciation.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Invesco Gold & Special Minerals Fund (Class A)1 Investment Adviser: Invesco Advisers, Inc. </td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.05%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.20%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">6.85%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.54%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.84%**</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">Seeks long-term growth of capital.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Invesco HealthCare Fund (Investor Class)1 Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.07%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.22%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.48%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.72%</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">6.38%</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">Seeks total return, through growth of capital and current income.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Invesco High Yield Fund (Class R5) Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.70%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A </td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.37%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.19%**</td> <td style="padding: 4pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.05%**</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">** </td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This information is being provided based on the fund’s most recent prospectus filing.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 19%">Seeks total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%">Invesco International Bond Fund (Class A)1 Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">1.07%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">0.15%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">1.22%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">11.94%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">-0.72%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">2.37%</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">Invesco Main Street Mid Cap Fund® (Class A)1 Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.19%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.99%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.73%</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">Seeks long-term growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Invesco Small Cap Value Fund (Class A)1 Investment Adviser: Invesco Advisers, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.10%***</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.30%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.69%***</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.95%***</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.13%***</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">Lazard Emerging Markets Equity Portfolio (Open Shares)1,2 Investment Adviser: Lazard Asset Management LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.38%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.58%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">41.77% </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">9.35% </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 high current income and the opportunity for capital appreciation to produce a high total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Lord Abbett Bond Debenture Fund (Class R4) Investment Adviser: Lord, Abbett & Co. LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.95%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.49%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2.18%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.81%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">**</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This information is being provided based on the fund’s most recent prospectus filing.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">The Lazard Emerging Markets Equity Portfolio is only available to plans offering the portfolio prior to July 19, 2010.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to deliver current income and the opportunity for capital appreciation by investing primarily in U.S. investment grade corporate, government, and mortgage- and asset-backed securities.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Lord Abbett Core Fixed Income Fund (Class A)1,2 Investment Adviser: Lord, Abbett & Co. LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.56%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.76%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.08%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-0.26%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.95%</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 to deliver long-term growth of capital by investing primarily in stocks of small U.S. companies.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Lord Abbett Developing Growth Fund (Class A)1 Investment Adviser: Lord, Abbett & Co. LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.94%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</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">14.37%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-1.21%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.02%</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 to deliver long-term growth of capital by investing primarily in stocks of U.S. companies.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Lord Abbett Fundamental Equity Fund (Class A)1 Investment Adviser: Lord, Abbett & Co. LLC </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.93%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.13%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.15%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">13.29%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.90%</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 to deliver long-term growth of capital by investing primarily in stocks of mid-sized U.S. companies.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Lord Abbett Mid Cap Stock Fund (Class A)1,3 Investment Adviser: Lord, Abbett & Co. LLC</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">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.22%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.27%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.32%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.21%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">The Lord Abbett Core Fixed Income Fund is only available to plans offering the Fund prior to December 31, 2015.</td></tr> <tr> <td style="vertical-align: top">3</td> <td style="vertical-align: bottom">The Lord Abbett Mid Cap Stock Fund is only available to plans offering the Fund prior to September 1, 2005.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to deliver long-term growth of capital by investing primarily in stocks of small U.S. companies.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Lord Abbett Small-Cap Value Fund (Class A)1,2 Investment Adviser: Lord, Abbett & Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.21%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.41%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.60%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.25%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">6.61%</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">Massachusetts Investors Growth Stock Fund (Class A)1 Investment Adviser: Massachusetts Financial Services Company</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.71%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.88%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.08%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.32%</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 total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">NYLI CBRE Real Estate Fund (Class A)***,1 Investment Adviser: New York Life Investment Management LLC Subadviser: CBRE Investment Management</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.18%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-0.62%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.54%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.98%</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 growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">NYLI Winslow Large Cap Growth Fund (Class R3)****,1 Investment Adviser: New York Life Investment Management LLC Subadviser: Winslow Capital Management, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.29%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">13.88%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.52%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom"> <td style="text-align: left; width: 3%; font-size: 10pt; vertical-align: top">*</td> <td style="width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; font-size: 10pt; vertical-align: top">**</td> <td style="font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; vertical-align: top">***</td> <td style="text-align: justify">Effective August 28, 2024, the MainStay CBRE Real Estate Fund (Class A) changed its name to the NYLI CBRE Real Estate Fund (Class A).</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; vertical-align: top">****</td> <td style="text-align: justify">Effective August 28, 2024, the MainStay Winslow Large Cap Growth (Class R3) Fund changed its name to the NYLI Winslow Large Cap Growth Fund (Class R3).</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; font-size: 10pt; vertical-align: top">1</td> <td style="font-size: 10pt; text-align: justify">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> <td style="text-align: left; vertical-align: top">2</td> <td style="vertical-align: bottom">The Lord Abbett Small-Cap Value Fund are only available to plans offering these Funds prior to September 1, 2005.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks growth of capital.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Neuberger Genesis Fund® (Trust Class)**,1 Investment Adviser: Neuberger Berman Investment Advisers LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.84%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.35%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.19%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-4.50%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">2.93%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.15%</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">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; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Neuberger Quality Equity Fund (Trust Class)**,1,2 Investment Adviser: Neuberger Berman Investment Advisers LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.35%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.39%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.18%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">13.68%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">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">Seeks to maximize current income. Long-term capital appreciation is a secondary objective.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">PIMCO Income Fund (Class A) Investment Adviser: Pacific Investment Management Company LLC</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">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.08%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.31%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</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 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 (Admin Class) Investment Adviser: Pacific Investment Management Company LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.39%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.64%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.85%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.21%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.21%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective July 28, 2025, the Neuberger Berman Sustainable Equity Fund changed its name to the Neuberger Quality Equity Fund.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top">2</td> <td style="vertical-align: bottom">The Neuberger Berman Quality Equity Fund is closed to new retirement plans.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term growth of capital and current income.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Royce Small-Cap Total Return Fund (Service Class)1 Investment Adviser: Royce</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.49%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.35%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.84%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">2.13%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.53%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.07%</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 to provide long-term capital appreciation by investing primarily in mid-sized companies that appear to be undervalued.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">T. Rowe Price Mid-Cap Value Fund (Class R)1,2 Investment Adviser: T. Rowe Price Associates, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.38%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.59%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.48%</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 growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Templeton Foreign Fund (Class A)1 Investment Adviser: Templeton Global Advisors Limited</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">1.10%** </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.30%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">21.29%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.52%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.98%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">The T. Rowe Price Mid-Cap Value Fund is only available to plans offering the Fund prior to February 25, 2005.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="padding: 4pt; text-align: center; border-top: Black 1pt solid; border-right: Black 1pt solid; vertical-align: bottom">PLATFORM CHARGES</td> <td rowspan="2" style="padding: 4pt; text-align: center; border-top: Black 1pt solid; border-right: Black 1pt solid; vertical-align: bottom">CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term growth of capital.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">The Hartford International Opportunities Fund (Class R4)1,2 Investment Adviser: Hartford Funds Management Company, LLC (“HFMC”) Subadviser: Wellington Management Company, LLP</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.10%</td> <td style="padding: 4pt; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; width: 10%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.20%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">29.80%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">6.52%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.71%</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">Seeks long-term capital appreciation by investing in equity and debt securities of all types. The secondary, non-fundamental goal of the Fund is to seek some current income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Thornburg International Equity Fund (Class R4)1 Investment Adviser: Thornburg Investment Management, Inc. (“Thornburg”)</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.15%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> 33.79%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"> 8.95%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.92% </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 and income growth.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Vanguard® Diversified Value Portfolio24,26 Investment Adviser: Hotchkis and Wiley Capital Management, LLC (Hotchkis and Wiley), Lazard Asset Management LLC (Lazard)</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">0.60%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.88%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">16.83%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">13.24%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.76%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">The Hartford International Opportunities Fund is closed to new retirement plans.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; border: Black 1pt solid; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom">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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to provide an above-average level of current income and reasonable long-term capital appreciation.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Vanguard® Equity Income Portfolio1,2 Investment Adviser: Wellington Management Company LLP (Wellington Management, The Vanguard Group, Inc. (Vanguard)</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.29%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.60%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.89%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">16.80%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">12.59%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">11.52%</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 to provide long-term capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Vanguard® Small Company Growth Portfolio1,2 Investment Adviser: ArrowMark Partners, Vanguard Quantitative Equity Group</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.29%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.60%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.89%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">6.11%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.81%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.61%</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">Maximize total return through a combination of income and capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Victory Pioneer High Yield Fund (Class A)***,1 Investment Adviser: Amundi Asset Management US, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.10%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.30%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.57%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.94%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.42%</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 a high level of current income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Victory Pioneer Strategic Income Fund (Class A)****,1 Investment Adviser: Amundi Asset Management US, Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.97%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.17%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.16%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.21%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: 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 to provide long-term capital growth by investing primarily in common stocks.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Victory Sycamore Established Value Fund (Class A)1,2 Investment Adviser: Victory Capital Management Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.89%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.99%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2.33%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.57%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.60%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt">Effective May 2, 2025, the Pioneer High Yield Fund (Class A) changed its name to the Victory Pioneer High Yield Fund (Class A).</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">****</td> <td style="vertical-align: bottom; font-size: 10pt">Effective March 31, 2025, the Pioneer Strategic Income Fund (Class A) changed its name to the Victory Pioneer Strategic Income Fund (Class A).</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt">The Victory Sycamore Established Value Fund is closed to new retirement investors. The Fund will continue to be available for investment by existing investors and through retirement plans that currently offer the Fund.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to provide capital appreciation.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Victory Sycamore Small Company Opportunity Fund (Class R) Investment Adviser: Victory Capital Management Inc.</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.44%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.60%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">2.04%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.20%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">6.45%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.97%</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 growth of capital and income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Virtus NFJ Dividend Value Fund (Class A)1 Investment Adviser: Virtus Investment Advisers, Inc. Subadviser: NFJ Investment Group, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.03%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.23%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-0.83%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.03%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.78%**</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 growth of capital and income.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Virtus NFJ Small-Cap Value Fund (Class A)1 Investment Adviser: Virtus Investment Advisers, Inc. Subadviser: NFJ Investment Group, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.17%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.37%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-0.16%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.04%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.22%**</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 to maximize income while maintaining prospects for capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.58%***</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.83%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.96%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.16%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This information is being provided based on the fund’s most recent prospectus filing.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top">****</td> <td style="vertical-align: bottom">Effective July 24, 2026, the Voya Balanced Income Portfolio will change its name to the Voya Balanced Income Fund.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to maximize total return through a combination of current income and capital appreciation.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Global Bond Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.94%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.54%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-2.54%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.57%</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 to maximize total returns and maintain lower volatility relative to the overall market.</td> <td style="padding: 4pt; 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; text-align: center">0.60%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">19.00%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.52%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.05%</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 to maximize total returns and maintain lower volatility relative to the overall market.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: 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; text-align: center">0.85%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">18.73%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.78%</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">Voya Global Insights 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; text-align: center">0.81%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.06%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">24.31%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.21%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.97%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective on or about July 17, 2026, the Voya Global Insights Portfolio will change its name to Voya Global Insights Fund.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</td></tr><tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya GNMA Income Fund (Class A)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.54%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.36%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.23%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.14%</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 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Voya Government Money Market Portfolio (Class I)2 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">0.40%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.50%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.90%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.02%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.02%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.96%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-left: Black 1pt solid; border-right: Black 1pt solid">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; width: 27%; border-right: Black 1pt solid">Voya Growth and Income Portfolio (Class I)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-right: Black 1pt solid; text-align: center">0.67%**</td> <td style="padding: 4pt; width: 10%; border-right: Black 1pt solid; text-align: center">0.35%</td> <td style="padding: 4pt; width: 10%; border-right: Black 1pt solid; text-align: center">1.02%</td> <td style="padding: 4pt; width: 8%; border-right: Black 1pt solid; text-align: center">18.21%</td> <td style="padding: 4pt; width: 8%; border-right: Black 1pt solid; text-align: center">15.46%</td> <td style="padding: 4pt; width: 8%; border-right: Black 1pt solid; text-align: center">14.62%</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; border: Black 1pt solid">Seeks to provide investors with a high level of current income and total return.</td> <td style="padding: 4pt; border-top: Black 1pt solid; 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-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.50%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.60%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.80%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.92%</td> <td style="padding: 4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.82%</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 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 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">0.75%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.85%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.41%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.66%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.55%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top">1</td> <td style="vertical-align: bottom">The Voya Growth and Income Portfolio is only available to those Contracts that were offering the ING Opportunistic LargeCap Portfolio (Class I) as of August 20, 2010.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">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; width: 27%; border-bottom: Black 1pt solid; border-right: 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; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.55%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.40%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.95%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">15.20%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">13.73%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">13.90%</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 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">Voya Index Plus MidCap 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; text-align: center">0.60%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.40%</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">8.16%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.90%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.75%</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 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; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.60%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.40%</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">8.27%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.97%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.23%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2030 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.63%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">14.92%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">6.25%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.99%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top">2</td> <td style="vertical-align: bottom">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2035 Portfolio (Class S2)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.62%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">16.63%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.23%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.82%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top">1</td> <td style="vertical-align: bottom">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2040 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.64%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">18.37%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.48%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.71%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2045 Portfolio (Class I)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.22%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">20.07%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.75%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.68%</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">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; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Voya Index Solution 2045 Portfolio (Class S2)1 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">0.62%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">19.61%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.30%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.23%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</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; width: 19%">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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%">Voya Index Solution 2050 Portfolio (Class S2)1 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; width: 10%">0.66%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 10%">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">20.09%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">9.54%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; width: 8%">10.33%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2055 Portfolio (Class S2)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.66%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">20.20%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.59%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.37%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom">PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2060 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.65%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">20.19%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.64%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.45%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2065 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.65%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">20.33%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.73%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</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 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 2070 Portfolio (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; text-align: center">0.75%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective August 11, 2025, the Voya Index Solution 2070 Portfolio Class I has been added to the prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Index Solution 2070 Portfolio (Class S2)*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.65%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</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 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 Income Portfolio (Class A)1 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">0.71%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.30%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.36%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.92%</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 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 Income Portfolio (Class S2)2 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">0.61%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.36%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.46%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.02%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective August 11, 2025, the Voya Index Solution 2070 Portfolio Class I has been added to the prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund employs a managed volatility strategy. See “INVESTMENT OPTIONS – The Variable Investment Options – Funds With Managed Volatility Strategies” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to maximize total return consistent with reasonable risk.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Intermediate Bond Fund (Class A)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.68%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.17%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-0.24%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">2.31%</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">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; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.55%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.35%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.90%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.71%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2.66%</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 maximum total return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Voya International High Dividend Low Volatility Portfolio (Class S)2 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">1.01%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">37.60%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.59%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.83%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">* </td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund employs a managed volatility strategy. See “INVESTMENT OPTIONS – The Variable Investment Options – Funds With Managed Volatility Strategies” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">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: 27%; 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: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.45%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.70%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">30.89%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.50%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">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">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; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Voya International Index 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">0.70%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.95%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">30.48%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.21%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.62%</td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; border-left: Black 1pt solid">A non-diversified Fund that seeks long-term capital appreciation.</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid">Voya Large-Cap Growth Fund (Class A)2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">0.89%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">14.95%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">11.98%</td> <td style="border-bottom: Black 1pt solid; padding: 4pt; border-right: Black 1pt solid; text-align: center">14.86%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> <td style="vertical-align: top">2</td> <td style="vertical-align: bottom">This Fund is only available to those Contracts that were offering the ING Lord Abbett Growth and Income Portfolio (Class I) and the ING Pioneer Equity Income Portfolio (Class I) prior to January 21, 2011. Class S shares remain available for investment under the Contract.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">A non-diversified Portfolio that seeks long-term capital growth.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Large Cap Growth Portfolio (Class S)*** Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC and T. Rowe Price Associates Inc.****</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.92%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">15.09%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">11.96%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">14.90%</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">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; border-bottom: Black 1pt solid; text-align: center">0.83%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.98%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.90%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.55%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.97%</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 maximum long-term capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Voya Multi-Manager International Small Cap Fund (Class A)1 Investment Adviser: Voya Investments, LLC Subadviser: Acadian Asset Management LLC and Victory Capital Management Inc.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.53%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">38.69%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.40%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.90%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective November 21, 2025, the VY® T. Rowe Price Growth Equity Portfolio merged into the Voya Large Cap Growth Portfolio.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">****</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective October 27, 2025, T. Rowe Price Associates Inc. was added as a sub-adviser to Voya Large Cap Growth Portfolio.</td></tr> <tr> <td style="vertical-align: top">1</td> <td style="vertical-align: bottom">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya RussellTM Large Cap Growth Index Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.68%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">17.82%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">15.95%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">18.35%</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 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; border-right: Black 1pt solid; border-bottom: 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.36%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.61%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">18.75%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.72%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">15.36%</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 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; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.68%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.69%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.42%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.25%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">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: 4pt; width: 27%; 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: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.40%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.65%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.08%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.26%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.59%</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">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: 4pt; 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: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.43%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.68%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.51%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.75%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.29%</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 growth of capital primarily through investment in a diversified portfolio of common stock of companies with smaller market capitalizations.</td> <td style="padding: 4pt; 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: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.87%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.59%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">6.26%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.39%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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: 27%; 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: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.92%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.20%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.12%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">14.80%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">5.85%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">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">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 S2)1,2 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">1.12%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.13%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.97%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.79%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top">1</td> <td style="vertical-align: bottom">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Solution 2035 Portfolio (Class S2)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.13%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">15.84%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">7.06%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.52%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top">1</td> <td style="vertical-align: bottom">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Solution 2040 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.13%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">17.71%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.17%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.41%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Solution 2045 Portfolio (Class S2)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.15%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">19.06%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.92%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.77%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; vertical-align: bottom">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; vertical-align: bottom; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding: 4pt; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Solution 2050 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.16%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">19.44%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.13%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.89%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Solution 2055 Portfolio (Class S2)1 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.18%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">19.51%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.18%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.93%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Solution 2060 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.18%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">19.44%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.13%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.89%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top">2</td> <td style="vertical-align: bottom">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; 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 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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">Voya Solution 2065 Portfolio (Class S2)1,2 Investment Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC </td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.18%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">19.55%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.23%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</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 to provide capital appreciation.</td> <td style="padding: 4pt; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.77%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">16.87%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.89%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.55%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr style="vertical-align: top"> <td style="font-size: 10pt">2 </td> <td style="font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks to provide total return (i.e., income and capital appreciation, both realized and unrealized).</td> <td style="padding: 4pt; width: 27%; 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; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.75%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.90%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">13.05%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">6.84%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">8.04%</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 to provide total return (i.e., income and capital growth, both realized and unrealized) consistent with preservation of capital.</td> <td style="padding: 4pt; 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; text-align: center">0.66%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.15%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.81%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.33%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">2.97%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.77%</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 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 Income Portfolio (Class S2)1 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">1.08%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">10.72%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.18%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.99%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is structured as a Fund of Funds or “master-feeder” Fund that invests directly in shares of underlying Funds. See “THE INVESTMENT OPTIONS – The Variable Investment Options – Fund of Funds” for more information.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">This Fund is available under your variable annuity Contract. If this Fund was not added to your plan by September 1, 2021, the Fund was automatically made available to your plan on or about November 12, 2021.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Bloomberg U.S. Aggregate Bond Index.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: 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; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.36%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.25%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.61%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">6.70%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">-0.75%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.64%</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 growth. Income is a secondary objective.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.10%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.99%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.19%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.00%</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">Seeks capital appreciation.</td> <td style="padding: 4pt; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.25%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-10.94%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-0.34%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.17%</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">Seeks total return including capital appreciation and current income.</td> <td style="padding: 4pt; 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; 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">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.03%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">5.67%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.80%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective on or about July 17, 2026, the VY® Baron Growth Portfolio will merge into the Voya MidCap Opportunities Fund.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">****</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Effective January 21, 2026, the VY® CBRE Real Estate Portfolio changed its name to the 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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks total return consisting of long-term capital appreciation and current income.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: 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; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.96%**</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">17.08%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">13.87%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">14.01%</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">Seeks long-term growth of capital.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: 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; text-align: center">1.18%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.60%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.92%</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 growth and income.</td> <td style="padding: 4pt; 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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.97%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">17.02%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">14.95%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">11.75%</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 total return consisting of long-term capital appreciation and current income.</td> <td style="padding: 4pt; 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; text-align: center">0.89%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.53%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.55%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.59%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">***</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; border: Black 1pt solid">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="padding: 4pt; vertical-align: bottom; 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; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="text-align: center; padding: 4pt; vertical-align: bottom; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="padding: 4pt; vertical-align: bottom; 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: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Seeks long-term growth of capital and income.</td> <td style="padding: 4pt; width: 27%; border-bottom: Black 1pt solid; border-right: 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; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.90%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.00%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">15.35%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">12.82%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">10.72%</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">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; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.44%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.54%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">38.77%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.04%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.00%</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">Seeks growth from capital appreciation.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">VY® JPMorgan Mid Cap Value Portfolio (Class S)1 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; text-align: center">1.10%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.37%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.26%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.48%</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 growth over the long-term.</td> <td style="padding: 4pt; 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; 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">0.10%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.24%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.65%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">4.63%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">8.77%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">The VY® JPMorgan Mid Cap Value Portfolio is only available to plans offering the Fund prior to February 7, 2014.</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: #BFBFBF"> <td rowspan="2" style="border: Black 1pt solid; padding: 4pt; vertical-align: bottom">INVESTMENT OBJECTIVE</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid">FUND NAME INVESTMENT ADVISER/SUBADVISER</td> <td rowspan="2" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">CURRENT EXPENSES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> PLATFORM CHARGES</td> <td rowspan="2" style="border-top: Black 1pt solid; text-align: center; padding: 4pt; vertical-align: bottom; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> CURRENT EXPENSES + PLATFORM CHARGES*</td> <td colspan="3" style="border-top: Black 1pt solid; padding: 4pt; vertical-align: bottom; 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="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">1 Year</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">5 Years</td> <td style="border-right: Black 1pt solid; padding: 4pt; border-bottom: Black 1pt solid; text-align: center">10 Years</td></tr> <tr style="vertical-align: top"> <td style="padding: 4pt; width: 19%; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">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; width: 27%; border-bottom: Black 1pt solid; border-right: Black 1pt solid">VY® T. Rowe Price Capital Appreciation Portfolio (Class S) Investment Adviser: Voya Investments, LLC Subadviser: T. Rowe Price Associates, Inc.</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.90%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">0.10%</td> <td style="padding: 4pt; width: 10%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">1.00%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">12.02%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">9.22%</td> <td style="padding: 4pt; width: 8%; border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center">11.04%</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">VY® T. Rowe Price Diversified Mid Cap Growth Portfolio (Class I)1 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; text-align: center">0.80%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.92%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">7.24%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.78%</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">VY® T. Rowe Price Diversified Mid Cap Growth Portfolio (Class S) 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; text-align: center">1.05%**</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">9.67%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">6.97%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">12.49%</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 high current return.</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">Western Asset Mortgage Total Return Fund (Class A)2 Investment Adviser: Legg Mason Partners Fund Advisor, LLC Subadviser: Western Asset Management Company, LLC</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.98%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">0.05%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.03%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">3.61%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">-0.83%</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">1.15%</td></tr> </table><table cellpadding="0" style="font: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr> <td style="vertical-align: top; width: 3%; font-size: 10pt">*</td> <td style="vertical-align: bottom; width: 97%; font-size: 10pt; text-align: justify">When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">**</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">Current expenses reflect applicable waivers or expense limitations as reported in the Fund’s prospectus.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">1</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">The VY® T. Rowe Price Diversified Mid Cap Growth Portfolio is only available to plans that were offering Class I prior to November 3, 2005. Class S shares remain available for investment under the Contract.</td></tr> <tr> <td style="vertical-align: top; font-size: 10pt">2</td> <td style="vertical-align: bottom; font-size: 10pt; text-align: justify">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> Seeks long-term growth of capital. AB Relative Value Fund (Class A) AllianceBernstein L.P. 0.009 0.002 0.011 0.0551 0.1008 0.0977 Seeks long-term capital appreciation. Alger Capital Appreciation Fund (Class A) Fred Alger Management, LLC 0.0128 0.001 0.0138 0.2425 0.1459 0.1712 Seeks long-term capital appreciation. Alger Responsible Investing Fund (Class A) Fred Alger Management, LLC 0.011 0.001 0.012 0.1589 0.1133 0.148 Seeks long-term capital growth, consistent with Islamic principles. Amana Growth Fund (Investor Shares) Saturna Capital Corporation 0.0086 0.0025 0.0111 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 0.0025 0.0126 0.1288 0.1031 0.0962 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 0.0035 0.0089 0.0667 0.0084 0.027 Seeks to provide (1) conservation of capital, (2) current income and (3) long-term growth of capital and income. American Funds® – American Balanced FundÒ (Class R-3) Capital Research and Management CompanySM 0.0089 0.1808 0.0921 0.0943 Seeks to provide long-term growth of capital while providing current income. American Funds® – Capital World Growth and Income FundÒ (Class R-3) Capital Research and Management CompanySM 0.0106 0.2432 0.0991 0.1052 Seeks to provide long-term growth of capital. American Funds® – EUPAC Growth FundÒ (Class R-3) Capital Research and Management CompanySM 0.0112 0.2835 0.0391 0.0775 Seeks to achieve long-term growth of capital and income. American Funds® – Fundamental InvestorsÒ (Class R-3) Capital Research and Management CompanySM 0.0092 0.2385 0.1407 0.137 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 FundÒ (Class R-3) Capital Research and Management CompanySM 0.0105 0.2085 0.0866 0.1231 Seeks to provide growth of capital. American Funds® – The Growth Fund of AmericaÒ (Class R3) Capital Research and Management CompanySM 0.0093 0.1953 0.1144 0.1477 Seeks to provide current income while secondarily striving for capital growth. American Funds® – The Income Fund of AmericaÒ (Class R-3) Capital Research and Management CompanySM 0.009 0.1737 0.0869 0.0826 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 R-3) Capital Research and Management CompanySM 0.0091 0.1676 0.1357 0.1275 Seeks long-term capital appreciation. Ariel Appreciation Fund (Investor Class) Ariel Investments, LLC 0.0115 0.0035 0.015 0.1111 0.0757 0.0795 Seeks long-term capital appreciation. Ariel Fund (Investor Class) Ariel Investments, LLC 0.0101 0.0035 0.0136 0.1415 0.0936 0.0951 Seeks maximum long– term capital growth. Artisan International Fund (Investor Class) Artisan Partners Limited Partnership 0.0119 0.0025 0.0144 0.3603 0.0856 0.0826 Seeks long-term total return and current income. BlackRock Equity Dividend Fund (Investor A Shares) BlackRock Advisors, LLC 0.0094 0.001 0.0104 0.214 0.1145 0.1098 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 Shares) BlackRock Advisors, LLC 0.01 0.001 0.011 0.1343 0.1091 0.1075 Seeks long-term capital appreciation. Columbia Acorn® Fund (Class A) Columbia Wanger Asset Management, LLC 0.0107 0.002 0.0127 0.0456 0.0083 0.0827 Seeks to provide shareholders with high level of current income as its primary objective and, as its secondary objective, capital growth. Columbia High Yield Bond Fund (Class S) Columbia Management Investment Advisers, LLC 0.0073 0.0879 0.0409 0.0556 Seeks to provide shareholders with a high level of current income and as a secondary objective, steady growth of capital. Columbia Value Intrinsic 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 0.002 0.0133 0.1362 0.1106 0.1019 Seeks long-term capital appreciation. Columbia Variable Portfolio –Acorn Fund Columbia Wanger Asset Management, LLC 0.0091 0.002 0.0111 0.0447 0.0102 0.0866 Seeks long-term capital appreciation. Columbia Variable Portfolio – Acorn International Fund Columbia Wanger Asset Management, LLC 0.0108 0.002 0.0128 0.1276 -0.01 0.0431 Seeks long-term capital appreciation. CRM Mid Cap Value Fund – Investor Shares Cramer Rosenthal McGlynn, LLC 0.0104 0.0888 0.0806 0.1004 Seeks long-term growth of principal and income. A secondary objective is to achieve a reasonable current income. Dodge & Cox Stock Fund (Class I) Dodge & Cox 0.0051 0.005 0.0101 0.1366 0.1331 0.1279 Seeks total return. Eaton Vance Large-Cap Value Fund (Class R) Boston Management and Research (BMR), a subsidiary of Eaton Vance Management. Investment adviser to the Large-Cap Value Portfolio 0.0125 0.1183 0.0998 0.0947 Seeks capital appreciation. Fidelity Advisor® New Insights Fund (Class I) Fidelity Management & Research Company LLC (“FMR”) FMR Investment Management (UK) Limited, Fidelity Management & Research (Hong Kong) Limited and Fidelity Management & Research (Japan) Limited 0.0081 0.004 0.0121 0.2303 0.1549 0.1575 Seeks a high level of current income. The Fund may also seek capital appreciation. Fidelity Advisor® Strategic Income Fund (Class A) 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 0.0093 0.0423 0.0204 0.0407 Seeks long-term capital appreciation. FidelityÒ 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 0.004 0.0094 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 500Ò Index. FidelityÒ 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 0.004 0.0086 0.1902 0.1251 0.116 Seeks to achieve capital appreciation. FidelityÒ 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 0.004 0.0095 0.1492 0.137 0.1745 Seeks capital appreciation. Franklin Mutual Global Discovery Fund (Class R) Franklin Mutual Advisers, LLC 0.0145 0.2308 0.117 0.0838 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 0.002 0.0111 0.0765 0.0886 0.0981 Seeks long-term capital growth. Franklin Small-Mid Cap Growth Fund (Class A) Franklin Advisers, Inc. 0.0084 0.002 0.0104 -0.0291 0.0004 0.0956 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 0.002 0.0113 0.1086 0.0538 0.0768 Seeks capital appreciation. Invesco Developing Markets Fund (Class A) Invesco Advisers, Inc. 0.013 0.0015 0.0145 0.2127 -0.0165 0.054 Seeks capital appreciation. Invesco Discovery Large Cap Fund (Class A) Invesco Advisers, Inc. 0.0093 0.2664 0.1454 0.124 Seeks capital appreciation. Invesco Gold & Special Minerals Fund (Class A) Invesco Advisers, Inc. 0.0105 0.0015 0.012 0.0685 0.0454 0.0784 Seeks long-term growth of capital. Invesco HealthCare Fund (Investor Class) Invesco Advisers, Inc. 0.0107 0.0015 0.0122 0.1548 0.0372 0.0638 Seeks total return, through growth of capital and current income. Invesco High Yield Fund (Class R5) Invesco Advisers, Inc. 0.007 0.0837 0.0319 0.0405 Seeks total return. Invesco International Bond Fund (Class A) Invesco Advisers, Inc. 0.0107 0.0015 0.0122 0.1194 -0.0072 0.0237 Seeks capital appreciation. Invesco Main Street Mid Cap Fund® (Class A) Invesco Advisers, Inc. 0.0104 0.0015 0.0119 0.0892 0.0899 0.0973 Seeks long-term growth of capital. Invesco Small Cap Value Fund (Class A) Invesco Advisers, Inc. 0.011 0.002 0.013 0.1769 0.1795 0.1113 Seeks long-term capital appreciation. Lazard Emerging Markets Equity Portfolio (Open Shares) Lazard Asset Management LLC 0.0138 0.002 0.0158 0.4177 0.1076 0.0935 Seek high current income and the opportunity for capital appreciation to produce a high total return. Lord Abbett Bond Debenture Fund (Class R4) Lord, Abbett & Co. LLC 0.0095 0.0849 0.0218 0.0481 Seeks to deliver current income and the opportunity for capital appreciation by investing primarily in U.S. investment grade corporate, government, and mortgage- and asset-backed securities. Lord Abbett Core Fixed Income Fund (Class A) Lord, Abbett & Co. LLC 0.0056 0.002 0.0076 0.0708 -0.0026 0.0195 Seeks to deliver long-term growth of capital by investing primarily in stocks of small U.S. companies. Lord Abbett Developing Growth Fund (Class A) Lord, Abbett & Co. LLC 0.0094 0.002 0.0114 0.1437 -0.0121 0.1102 Seeks to deliver long-term growth of capital by investing primarily in stocks of U.S. companies. Lord Abbett Fundamental Equity Fund (Class A) Lord, Abbett & Co. LLC 0.0093 0.002 0.0113 0.1715 0.1329 0.109 Seeks to deliver long-term growth of capital by investing primarily in stocks of mid-sized U.S. companies. Lord Abbett Mid Cap Stock Fund (Class A) Lord, Abbett & Co. LLC 0.0102 0.002 0.0122 0.0727 0.1032 0.0821 Seeks to deliver long-term growth of capital by investing primarily in stocks of small U.S. companies. Lord Abbett Small-Cap Value Fund (Class A) Lord, Abbett & Co. LLC 0.0121 0.002 0.0141 0.006 0.0725 0.0661 Seeks capital appreciation. Massachusetts Investors Growth Stock Fund (Class A) Massachusetts Financial Services Company 0.0071 0.0988 0.1008 0.1432 Seeks total return. NYLI CBRE Real Estate Fund (Class A) New York Life Investment Management LLC CBRE Investment Management 0.0118 -0.0062 0.0454 0.0398 Seeks long-term growth of capital. NYLI Winslow Large Cap Growth Fund (Class R3) New York Life Investment Management LLC Winslow Capital Management, Inc. 0.0129 0.1388 0.121 0.1552 Seeks growth of capital. Neuberger Genesis Fund® (Trust Class) Neuberger Berman Investment Advisers LLC 0.0084 0.0035 0.0119 -0.045 0.0293 0.0915 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 0.0035 0.0139 0.1718 0.1368 0.1328 Seeks to maximize current income. Long-term capital appreciation is a secondary objective. PIMCO Income Fund (Class A) Pacific Investment Management Company LLC 0.0102 0.1008 0.0331 Seeks maximum real return, consistent with preservation of real capital and prudent investment management. PIMCO VIT Real Return Portfolio (Admin Class) Pacific Investment Management Company LLC 0.0139 0.0025 0.0164 0.0785 0.0121 0.0321 Seeks long-term growth of capital and current income. Royce Small-Cap Total Return Fund (Service Class) Royce 0.0149 0.0035 0.0184 0.0213 0.0853 0.0907 Seeks to provide long-term capital appreciation by investing primarily in mid-sized companies that appear to be undervalued. T. Rowe Price Mid-Cap Value Fund (Class R) T. Rowe Price Associates, Inc. 0.0138 0.0559 0.1125 0.1048 Seeks long-term capital growth. Templeton Foreign Fund (Class A) Templeton Global Advisors Limited 0.011 0.002 0.013 0.2129 0.0752 0.0598 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 0.001 0.012 0.298 0.0652 0.0771 Seeks long-term capital appreciation by investing in equity and debt securities of all types. The secondary, non-fundamental goal of the Fund is to seek some current income. Thornburg International Equity Fund (Class R4) Thornburg Investment Management, Inc. (“Thornburg”) 0.0115 0.001 0.0125 0.3379 0.0895 0.0892 Seeks long-term capital appreciation and income growth. Vanguard® Diversified Value Portfolio Hotchkis and Wiley Capital Management, LLC (Hotchkis and Wiley), Lazard Asset Management LLC (Lazard) 0.0028 0.006 0.0088 0.1683 0.1324 0.1176 Seeks to provide an above-average level of current income and reasonable long-term capital appreciation. Vanguard® Equity Income Portfolio Wellington Management Company LLP (Wellington Management, The Vanguard Group, Inc. (Vanguard) 0.0029 0.006 0.0089 0.168 0.1259 0.1152 Seeks to provide long-term capital appreciation. Vanguard® Small Company Growth Portfolio ArrowMark Partners, Vanguard Quantitative Equity Group 0.0029 0.006 0.0089 0.0611 0.0381 0.0961 Maximize total return through a combination of income and capital appreciation. Victory Pioneer High Yield Fund (Class A) Amundi Asset Management US, Inc. 0.011 0.002 0.013 0.0757 0.0394 0.0542 Seeks a high level of current income. Victory Pioneer Strategic Income Fund (Class A) Amundi Asset Management US, Inc. 0.0097 0.002 0.0117 0.0816 0.0421 0.0549 Seeks to provide long-term capital growth by investing primarily in common stocks. Victory Sycamore Established Value Fund (Class A) Victory Capital Management Inc. 0.0089 0.001 0.0099 0.0233 0.0957 0.106 Seeks to provide capital appreciation. Victory Sycamore Small Company Opportunity Fund (Class R) Victory Capital Management Inc. 0.0144 0.006 0.0204 0.012 0.0645 0.0897 Seeks long-term growth of capital and income. Virtus NFJ Dividend Value Fund (Class A) Virtus Investment Advisers, Inc. NFJ Investment Group, LLC 0.0103 0.002 0.0123 -0.0083 0.0503 0.0578 Seeks long-term growth of capital and income. Virtus NFJ Small-Cap Value Fund (Class A) Virtus Investment Advisers, Inc. NFJ Investment Group, LLC 0.0117 0.002 0.0137 -0.0016 0.0404 0.0422 Seeks to maximize income while maintaining prospects for capital appreciation. Voya Balanced Income Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0058 0.0025 0.0083 0.1196 0.0592 0.0716 Seeks to maximize total return through a combination of current income and capital appreciation. Voya Global Bond Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0094 0.0854 -0.0254 0.0157 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 capital appreciation. Voya Global Insights Portfolio (Class I ) Voya Investments, LLC Voya Investment Management Co. LLC 0.0081 0.0025 0.0106 0.2431 0.0721 0.1097 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 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 0.005 0.009 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 0.0035 0.0102 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 0.001 0.006 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 0.001 0.0085 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 0.004 0.0095 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 0.004 0.01 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 0.004 0.01 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0063 0.1492 0.0625 0.0799 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0062 0.1663 0.0723 0.0882 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0064 0.1837 0.0848 0.0971 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 I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0022 0.2007 0.0975 0.1068 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0062 0.1961 0.093 0.1023 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0066 0.2009 0.0954 0.1033 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0066 0.202 0.0959 0.1037 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0065 0.2019 0.0964 0.1045 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 Index Solution 2065 Portfolio (Class S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0065 0.2033 0.0973 Seeks 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 A) Voya Investments, LLC Voya Investment Management Co. LLC 0.0075 Seeks 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0065 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 A) Voya Investments, LLC Voya Investment Management Co. LLC 0.0071 0.113 0.0336 0.0492 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0061 0.1136 0.0346 0.0502 Seeks to maximize total return consistent with reasonable risk. Voya Intermediate Bond Fund (Class A) Voya Investments, LLC Voya Investment Management Co. LLC 0.0068 0.0717 -0.0024 0.0231 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 0.0035 0.009 0.0771 0.0015 0.0266 Seeks maximum total return. Voya International High Dividend Low Volatility Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0101 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 0.0025 0.007 0.3089 0.085 0.0791 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 S) Voya Investments, LLC Voya Investment Management Co. LLC 0.007 0.0025 0.0095 0.3048 0.0821 0.0762 A non-diversified Fund that seeks long-term capital appreciation. Voya Large-Cap Growth Fund (Class A) Voya Investments, LLC Voya Investment Management Co. LLC 0.0089 0.1495 0.1198 0.1486 A non-diversified Portfolio that seeks long-term capital growth. Voya Large Cap Growth Portfolio (Class S) Voya Investments, LLC Voya Investment Management Co. LLC and T. Rowe Price Associates Inc. 0.0092 0.1509 0.1196 0.149 Seeks long-term capital appreciation. Voya MidCap Opportunities Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0083 0.0015 0.0098 0.039 0.0455 0.1097 Seeks maximum long-term capital appreciation. Voya Multi-Manager International Small Cap Fund (Class A) Voya Investments, LLC Acadian Asset Management LLC and Victory Capital Management Inc. 0.0153 0.3869 0.094 0.089 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 S) Voya Investments, LLC Voya Investment Management Co. LLC 0.0068 0.1782 0.1595 0.1835 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 0.0025 0.0061 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® Index. Voya RussellTM Mid Cap Index Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.004 0.0025 0.0065 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 0.0025 0.0068 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 0.002 0.0112 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0112 0.1413 0.0597 0.0779 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0113 0.1584 0.0706 0.0852 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. Voya Solution 2040 Portfolio (Class S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0113 0.1771 0.0817 0.0941 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0115 0.1906 0.0892 0.0977 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0116 0.1944 0.0913 0.0989 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. Voya Solution 2055 Portfolio (Class S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0118 0.1951 0.0918 0.0993 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0118 0.1944 0.0913 0.0989 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 S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0118 0.1955 0.0923 Seeks to provide capital appreciation. Voya Solution Aggressive Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0077 0.0015 0.0092 0.1687 0.0989 0.1055 Seeks to provide total return (i.e., income and capital appreciation, both realized and unrealized). Voya Solution Balanced Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0075 0.0015 0.009 0.1305 0.0684 0.0804 Seeks to provide total return (i.e., income and capital growth, both realized and unrealized) consistent with preservation of capital. Voya Solution Conservative Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0066 0.0015 0.0081 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 Income Portfolio (Class S2) Voya Investments, LLC Voya Investment Management Co. LLC 0.0108 0.1072 0.0318 0.0499 Seeks investment results (before fees and expenses) that correspond to the total return (which includes capital appreciation and income) of the Bloomberg U.S. Aggregate Bond Index. Voya U.S. Bond Index Portfolio (Class I) Voya Investments, LLC Voya Investment Management Co. LLC 0.0036 0.0025 0.0061 0.067 -0.0075 0.0164 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 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 0.001 0.011 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 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 0.001 0.01 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 0.001 0.0154 0.3877 0.0004 0.09 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 0.001 0.0124 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 S) Voya Investments, LLC T. Rowe Price Associates, Inc. 0.009 0.001 0.01 0.1202 0.0922 0.1104 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 Seeks long-term capital appreciation. VY® T. Rowe Price Diversified Mid Cap Growth Portfolio (Class S) Voya Investments, LLC T. Rowe Price Associates, Inc. 0.0105 0.0967 0.0697 0.1249 Seeks high current return. Western Asset Mortgage Total Return Fund (Class A) Legg Mason Partners Fund Advisor, LLC Western Asset Management Company, LLC 0.0098 0.0005 0.0103 0.0361 -0.0083 0.0115 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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: bottom; background-color: #D9D9D9"> <td style="padding: 4pt; width: 34%; border: Black 1pt solid; text-align: center">Name</td> <td style="padding: 4pt; width: 26%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Term*</td> <td style="padding: 4pt; width: 40%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center">Minimum Guaranteed Interest Rate**</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</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">1 month to 10 years </td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">0.25%</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 Fixed Plus Account II</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">1.50% </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">The Fixed Plus Account II A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">N/A</td> <td style="padding: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">1.00%</td></tr> </table> Guaranteed Accumulation Account P10Y 0.0025 The Fixed Plus Account II 0.015 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: 11pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="width: 11%; border: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Name of the Contract </td> <td style="width: 11%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Number of Contracts outstanding </td> <td style="width: 26%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Total value attributable to the Index-Linked Option and/or Fixed Option subject to a Contract Adjustment </td> <td style="width: 13%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Number of Contracts sold during the prior calendar year </td> <td style="width: 13%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Gross premiums received during the prior calendar year </td> <td style="width: 13%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Amount of Contract value redeemed during the prior calendar year </td> <td style="width: 13%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Combination Contract (Yes/No) </td></tr> <tr style="vertical-align: top"> <td style="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">Guaranteed Accumulation Account (“GAA”)</td> <td style="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">9,151 contracts</td> <td style="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">$448,638,717 as of 12/31/25</td> <td style="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">0</td> <td style="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">$4,745,380</td> <td style="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">$47,244,412</td> <td style="border-bottom: black 1pt solid; border-right: black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">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) a mortality and expense risk charge, 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 and any guaranteed death benefit; (2) a $30 annual maintenance fee, (0.1848467% when converted to an annual percentage), which helps defray the administrative expenses we incur in establishing and maintaining the accounts, and may be reduced or eliminated in certain circumstances; and (3) a daily asset charge, which compensates us for the risks we assume under the Contracts and the expenses we expect to incur in administering the Contract. See “CHARGES, AND FEES AND ADJUSTMENTS – Periodic Fees and Charges.” As a percentage of the Portfolio Company’s net assets. 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, 2025, and will vary from year to year. When the Subaccount Administrative Adjustment (the “platform charge”) is included, the minimum and maximum expenses associated with the Funds are 0.28% and 1.55%, respectively. If the Contract has a 0.0% Loan Interest Rate Spread, it 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.” This example will not apply if during the Income Phase a nonlifetime 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.) These fees may be waived, reduced, or eliminated in certain circumstances. See “CHARGES, FEES AND ADJUSTMENTS.” If the Contract has a 0.0% Loan Interest Rate Spread, it may be subject to an annual loan administration fee. If assessed, the annual loan maintenance fee will apply to each outstanding loan and will be deducted from the Account Value annually at the beginning of each calendar year. We reserve the right to change the annual fee charged for loan maintenance, but the fee shall not exceed $50. The Annual Loan administration fee is charged until the loan is repaid in full. 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. These fees 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 daily asset 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. During the Income Phase, the charge is 1.25% on an annual basis. The transferred asset benefit charge also included in the Base Contract Expenses, covers the costs associated with providing the transferred asset benefit for Contract Holders who elect this option. 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 – Daily Asset 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. The Loan Interest Rate Spread is charged until the loan is repaid in full. See “LOANS – Things to Consider Before Initiating a Loan.” 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. 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.”