Investment Performance

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PERFORMANCE UPDATE  
Voya Retirement Insurance and Annuity Company  
CITY OF ATLANTA  
Separate Account D, Group Annuity Contract  
Average Annual Total Returns as of 07/31/2017    (shown in percentages)  

 Variable annuities and funding agreements are long-term investment vehicles designed for retirement purposes which allow you to allocate contributions among variable investment options that have the potential to grow tax-deferred with an option to receive a stream of income at a later date. 

 The performance data quoted represents past performance.  Past performance does not guarantee future results.  For month-end performance which may be lower or higher than the performance data shown please call 800-584-6001.  Investment return and principal value of an investment will fluctuate so that, when sold, an investment may be worth more or less than the original cost.  

 These numbers reflect total Separate Account charges of 0.00% on an annual basis.  They also assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses.     

 Depending upon the type of contract in which you participate, you have either received disclosure booklets for the separate account and/or fund prospectuses.  You should consider the investment objectives, risks and charges, and expenses of the variable product and its underlying fund options carefully before investing.  The disclosure booklet contains this and other information.  Anyone who wishes to obtain a free copy of the separate account disclosure booklet and/or fund prospectuses may call their Voya representative or the number above.  Please read the separate account disclosure booklet and/or the fund prospectuses carefully before investing. 

 Returns less than one year are not annualized.  Fund Inception Date is the date of inception for the underlying fund, and is the date used in calculating the periodic returns.  This date may also precede the portfolio's inclusion in the product. 


 Investment Options 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr10-Yr InceptFund Inception Date 
Stability of Principal   
   Stable Value 
Stable Value Option - 2507 (1)(5)0.150.440.971.621.902.413.3311/20/2008 
This fund is not part of the product's separate account.   
Bonds   
   High Yield Bond 
Prudential High Yield Fund - Class Z - 2482 1.192.496.5910.935.796.877.9703/01/1996 
   Inflation-Protected Bond 
PIMCO VIT Real Return Portfolio - Administrative Class - 833 0.52-0.391.850.090.29-0.204.2609/30/1999 
   Intermediate-Term Bond 
Touchstone Total Return Bond Fund - Class A - 3512 0.421.242.92-0.412.332.064.7211/15/1991 
Voya Intermediate Bond Fund - Class I - 238 (2)0.571.503.851.463.543.534.7512/15/1998 
Asset Allocation   
   Lifecycle 
Voya Target Solution Trust Fund: 2020 Fund - Class 11 CIT - 6575 (3)1.462.767.637.895.197.437.2612/31/2009 
Voya Target Solution Trust Fund: 2025 Fund - Class 11 CIT - 6576 (3)1.723.409.239.995.828.468.0612/31/2009 
Voya Target Solution Trust Fund: 2030 Fund - Class 11 CIT - 6577 (3)1.893.7110.1311.366.329.338.5612/31/2009 
Voya Target Solution Trust Fund: 2035 Fund - Class 11 CIT - 6578 (3)2.064.0311.3112.806.639.959.0512/31/2009 
Voya Target Solution Trust Fund: 2040 Fund - Class 11 CIT - 6579 (3)2.154.1911.7813.566.9710.629.2912/31/2009 
Voya Target Solution Trust Fund: 2045 Fund - Class 11 CIT - 6580 (3)2.204.3412.2013.857.1610.949.7012/31/2009 
Voya Target Solution Trust Fund: 2050 Fund - Class 11 CIT - 6581 (3)2.244.4412.3113.967.2210.979.6612/31/2009 
Voya Target Solution Trust Fund: 2055 Fund - Class 11 CIT - 6582 (3)2.234.4212.4214.127.3311.069.8212/31/2009 
Voya Target Solution Trust Fund: 2060 Fund - Class 11 CIT - 4732 (3)2.204.4112.4414.1511.3312/03/2015 
Voya Target Solution Trust Fund: Income Fund - Class 11 CIT - 6573 (3)1.182.205.805.024.025.295.6312/31/2009 
Large Cap Value   
   Large Blend 
JPMorgan U.S. Equity Fund - Class I Shares - 8670 2.083.0711.2317.6010.1315.308.5109/07/2001 
Voya U.S. Stock Index Portfolio - Institutional Class - 829 2.094.0911.4215.7210.5714.487.4705/03/2004 
   Large Value 
Edgar Lomax Value Fund - 2542 2.463.857.6812.558.6012.726.3512/12/1997 
Invesco Comstock Fund - Class Y - 8354 1.903.405.5119.636.7513.716.6910/29/2004 
Large Cap Growth   
   Large Growth 
American Beacon Holland Large Cap Growth Fd - Investor Cl - 6566 2.565.2617.3116.6410.0013.168.4804/29/1996 
Voya Large Cap Growth Portfolio - Institutional Class - 742 2.213.9416.7716.8411.9014.8810.9505/03/2004 
Small/Mid/Specialty   
   Mid-Cap Blend 
Ariel Appreciation Fund - Investor Class - 456 0.121.258.2714.236.7715.318.1412/01/1989 
   Mid-Cap Growth 
Voya MidCap Opportunities Portfolio - Class I - 081 0.602.5213.4012.1310.3113.319.8205/05/2000 
   Mid-Cap Value 
American Beacon Mid-Cap Value Fund - Investor Class - 9151 0.972.908.0319.868.3214.818.0506/30/2004 
   Small Growth 
The Brown Capital Management Small Company Fund - Inst - 3614 0.306.6818.2422.6514.6619.0213.5607/23/1992 
   Small Value 
Franklin Small Cap Value VIP Fund - Class 2 - 073 0.84-0.301.0413.607.7914.447.0905/01/1998 
   Specialty - Real Estate 
VY® Clarion Real Estate Portfolio - Institutional Class - 682 0.982.933.29-6.687.118.166.5601/24/1989 
Global / International   
   Foreign Large Growth 
American Funds EuroPacific Growth Fund - Class R-4 - 573 (4)4.268.7722.5620.295.549.733.6204/16/1984 
 The risks of investing in small company stocks may include relatively low trading volumes, a greater degree of change in earnings and greater short-term volatility. 
 Foreign investing involves special risks such as currency fluctuation and public disclosure, as well as economic and political risks. 
 Some of the Funds invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the Funds are not insured nor guaranteed. 
 High yielding fixed-income securities generally are subject to greater market fluctuations and risks of loss of income and principal than are investments in lower yielding fixed-income securities. 
 Sector funds may involve greater-than average risk and are often more volatile than funds holding a diversified portfolio of stocks in many industries. Examples include: banking, biotechnology, chemicals, energy, environmental services, natural resources, precious metals, technology, telecommunications, and utilities. 


PERFORMANCE UPDATE  
Voya Retirement Insurance and Annuity Company  
CITY OF ATLANTA  
Separate Account D, Group Annuity Contract  
Average Annual Total Returns as of 06/30/2017    (shown in percentages)  

 The performance data quoted represents past performance.  Past performance does not guarantee future results.  For month-end performance which may be lower or higher than the performance data shown please call 800-584-6001.  Investment return and principal value of an investment will fluctuate so that, when sold, an investment may be worth more or less than the original cost.  

 These numbers reflect total Separate Account charges of 0.00% on an annual basis.  They also assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses.     

 Returns less than one year are not annualized.  Fund Inception Date is the date of inception for the underlying fund, and is the date used in calculating the periodic returns.  This date may also precede the portfolio's inclusion in the product. 


 Investment Options 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr10-Yr InceptFund Inception Date 
Stability of Principal   
   Stable Value 
Stable Value Option - 2507 (1)(5)0.140.430.821.591.932.453.3511/20/2008 
This fund is not part of the product's separate account.   
Bonds   
   High Yield Bond 
Prudential High Yield Fund - Class Z - 2482 0.022.345.3312.534.846.947.5303/01/1996 
   Inflation-Protected Bond 
PIMCO VIT Real Return Portfolio - Administrative Class - 833 -0.87-0.441.320.420.120.074.4109/30/1999 
   Intermediate-Term Bond 
Touchstone Total Return Bond Fund - Class A - 3512 0.011.622.49-0.252.142.204.7511/15/1991 
Voya Intermediate Bond Fund - Class I - 238 (2)0.061.903.261.943.253.844.8112/15/1998 
Asset Allocation   
   Lifecycle 
Voya Target Solution Trust Fund: 2020 Fund - Class 11 CIT - 6575 (3)0.162.296.098.754.207.407.1412/31/2009 
Voya Target Solution Trust Fund: 2025 Fund - Class 11 CIT - 6576 (3)0.282.797.3910.984.678.367.9112/31/2009 
Voya Target Solution Trust Fund: 2030 Fund - Class 11 CIT - 6577 (3)0.313.018.0912.605.079.198.3912/31/2009 
Voya Target Solution Trust Fund: 2035 Fund - Class 11 CIT - 6578 (3)0.343.329.0714.185.299.798.8612/31/2009 
Voya Target Solution Trust Fund: 2040 Fund - Class 11 CIT - 6579 (3)0.373.419.4315.085.5510.439.0912/31/2009 
Voya Target Solution Trust Fund: 2045 Fund - Class 11 CIT - 6580 (3)0.413.559.7815.435.7110.739.4912/31/2009 
Voya Target Solution Trust Fund: 2050 Fund - Class 11 CIT - 6581 (3)0.443.629.8515.495.7510.769.4512/31/2009 
Voya Target Solution Trust Fund: 2055 Fund - Class 11 CIT - 6582 (3)0.433.629.9715.725.8610.869.6212/31/2009 
Voya Target Solution Trust Fund: 2060 Fund - Class 11 CIT - 4732 (3)0.453.6410.0215.7810.4412/03/2015 
Voya Target Solution Trust Fund: Income Fund - Class 11 CIT - 6573 (3)0.021.834.575.583.325.365.5312/31/2009 
Large Cap Value   
   Large Blend 
JPMorgan U.S. Equity Fund - Class I Shares - 8670 -0.182.148.9620.058.9815.048.0009/07/2001 
Voya U.S. Stock Index Portfolio - Institutional Class - 829 0.603.019.1417.549.3114.316.9105/03/2004 
   Large Value 
Edgar Lomax Value Fund - 2542 0.711.505.1012.387.5412.475.6612/12/1997 
Invesco Comstock Fund - Class Y - 8354 2.291.483.5522.225.7813.406.0010/29/2004 
Large Cap Growth   
   Large Growth 
American Beacon Holland Large Cap Growth Fd - Investor Cl - 6566 0.765.4514.3717.828.4512.637.8804/29/1996 
Voya Large Cap Growth Portfolio - Institutional Class - 742 -1.444.4814.2419.8310.7814.7610.6105/03/2004 
Small/Mid/Specialty   
   Mid-Cap Blend 
Ariel Appreciation Fund - Investor Class - 456 2.810.738.1420.185.9814.717.5512/01/1989 
   Mid-Cap Growth 
Voya MidCap Opportunities Portfolio - Class I - 081 -0.503.6512.7216.758.9912.939.5805/05/2000 
   Mid-Cap Value 
American Beacon Mid-Cap Value Fund - Investor Class - 9151 2.291.666.9924.176.7214.547.2406/30/2004 
   Small Growth 
The Brown Capital Management Small Company Fund - Inst - 3614 1.308.2417.8925.9813.1118.0013.0907/23/1992 
   Small Value 
Franklin Small Cap Value VIP Fund - Class 2 - 073 1.410.670.2017.285.1414.096.3305/01/1998 
   Specialty - Real Estate 
VY® Clarion Real Estate Portfolio - Institutional Class - 682 2.351.652.29-3.736.838.365.5801/24/1989 
Global / International   
   Foreign Large Growth 
American Funds EuroPacific Growth Fund - Class R-4 - 573 (4)0.927.5817.5521.753.369.233.1504/16/1984 
 The risks of investing in small company stocks may include relatively low trading volumes, a greater degree of change in earnings and greater short-term volatility. 
 Foreign investing involves special risks such as currency fluctuation and public disclosure, as well as economic and political risks. 
 Some of the Funds invest in securities guaranteed by the U.S. Government as to the timely payment of principal and interest; however, shares of the Funds are not insured nor guaranteed. 
 High yielding fixed-income securities generally are subject to greater market fluctuations and risks of loss of income and principal than are investments in lower yielding fixed-income securities. 
 Sector funds may involve greater-than average risk and are often more volatile than funds holding a diversified portfolio of stocks in many industries. Examples include: banking, biotechnology, chemicals, energy, environmental services, natural resources, precious metals, technology, telecommunications, and utilities. 

ADDITIONAL NOTES 
(1) Stable Value Options invests in Voya's Stabilizer managed separate account annuity contract, issued by Voya Retirement Insurance and Annuity Company. The contract provides for declared credited interest rates that are set in advance. The declared rates are net of all expenses. Guarantees of principal and interest are based on the claims paying ability of Voya Retirement Insurance and Annuity Company. Stable Value Option is not a registered investment company and is not registered with the Securities and Exchange Commission. This investment option is not part of Separate Account D.

The CURRENT rate for the Stable Value Option Fund 2507- is 1.75%, expressed as an annual effective yield, and is guaranteed not to drop below 1.75% through 09/30/2017.
 

(2) Voya Intermediate Bond Fund - Class I has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class A.  The performance information above is based upon the Class A performance, excluding sales charges, and has not been adjusted by the fee differences between classes. 
(3) Voya Collective Trust Funds: There is no guarantee that any investment option will achieve its stated objective. Principal value fluctuates and there is no guarantee of value at any time, including the target date. The "target date" is the approximate date when an investor plans to start withdrawing their money. When their target date is reached, they may have more or less than the original Voya Target Solution Trust (the "Trust") amount invested. For each target date Trust, until the day prior to its target date, the Trust will seek to provide total returns consistent with an asset allocation targeted for an investor who is retiring in approximately each Trust's designation target year. The target year is specified in the Trust's name. For example, the Voya Target Solution 2045 Trust bears an asset allocation that the investment adviser believes balances the risk and return objectives of the "average" investor who will be retiring in the year 2045. Prior to choosing a Target Solution Trust, investors are strongly encouraged to review and understand the Trust's objectives and its composition of stocks and bonds, and how the asset allocation will change over time as the target date nears. No two investors are alike and one should not assume that just because they intend to retire in the year corresponding to the target date that a specific Trust is appropriate and suitable to their risk tolerance. It is recommended that an investor consider carefully the possibility of capital loss in each of the target date Trusts, the likelihood and magnitude of which will be dependent upon the Trust's asset allocation. On the Target Date the Trust's investment objective will be to seek to provide a combination of total return and stability of principal consistent with a low to moderate risk asset allocation which is targeted to the "average" retiree. 

(4) EuroPacific Growth Fund - Class R-4 commenced operations on May 15, 2002. Class R-4 has identical investment objectives and policies, the same portfolio manager, and invests in the same holdings as Class A.  The performance information above prior to May 15, 2002 is based upon the Class A performance adjusted by the fee differences between classes. 
(5) The Investment Option is neither a mutual fund nor part of a Separate Account.  The returns listed do not include the impact of contract charges.  Please refer to the contract or disclosure book to determine which Fixed Interest Options are available for your specific plan.  The Investment Option is offered through Voya Retirement Insurance and Annuity Company. 

 Insurance products, annuities and funding agreements issued by Voya Retirement Insurance and Annuity Company, One Orange Way Windsor, CT 06095, (VRIAC), which is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services, LLC. All companies are members of the Voya family of companies. Securities are distributed by or offered through Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. 

 The returns do not reflect the impact of a Deferred Surrender Charge.  If included, performance would be less favorable. 
 Not all investments options are available under all contracts; please check your disclosure booklet for options available under your plan. 



Creation Date: Friday, August 18, 2017

Insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided by) Voya Retirement Insurance and Annuity Company, One Orange Way, Windsor, CT 06095-4774. Securities are distributed by Voya Financial Partners, LLC (member SIPC). All companies are members of the Voya® family of companies. Securities may also be distributed through other broker-dealers with which Voya has selling agreements. Insurance obligations are the responsibility of each individual company. Product and services may not be available in all states.