Investment Performance

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PERFORMANCE UPDATE  
Voya Retirement Insurance and Annuity Company  
FL STATE UNIV SYSTEM ORP  
Variable Annuity Account C, Non-Standardized Returns  
Average Annual Total Returns as of 09/30/2018    (shown in percentages)  

 Variable annuities 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.  Early withdrawals from variable annuities may be subject to surrender charges, and if taken prior to age 59 1/2, a 10% IRS penalty may apply.  Withdrawals will also reduce the applicable death benefit and cash surrender value/account value. 

 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 800-525-4225.  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 prospectuses and/or prospectus summaries for the separate account and the funds.  You should consider the investment objectives, risks and charges, and expenses of the variable product and its underlying fund options carefully before investing.  The prospectus contains this and other information.  Anyone who wishes to obtain a free copy of the separate account and/or fund prospectuses may call their Voya representative or the number above.  Please read the prospectus or prospectus summaries 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.  The fund inception date indicates the inception date of the underlying investment portfolio, which may 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   
   Stability of Principal 
Voya Fixed Plus Account II - 4106 (1)(2)0.200.621.862.502.632.723.13 
This fund is not part of the product's separate account.   
Bonds   
   Inflation-Protected Bond 
DFA Inflation-Protected Securities Portfolio - Inst Class - 3223 -1.08-0.91-1.26-0.051.811.233.4309/18/2006 
   Intermediate-Term Bond 
Metropolitan West Total Return Bond Fund - Class I Shares - 2287 -0.630.04-1.35-0.971.362.255.7103/31/2000 
Large Cap Value   
   Large Blend 
Neuberger Berman Sustainable Equity Fund - Inst Class - 7069 -0.764.699.0915.1414.8211.5710.8103/16/1994 
   Large Value 
Touchstone Value Fund - Institutional Class - 6935 0.967.887.8414.1413.6510.8310.5907/31/2003 
Large Cap Growth   
   Large Growth 
T. Rowe Price Institutional Large-Cap Growth Fund - 2467 0.526.8219.7028.4322.6817.9916.7010/31/2001 
Small/Mid/Specialty   
   Small Growth 
Delaware Smid Cap Growth Fund - Institutional Class - 6112 0.5113.6033.6357.6822.5416.3516.8211/09/1992 
   Small Value 
DFA U.S. Targeted Value Portfolio - Institutional Class - 2566 -2.841.515.2810.0214.299.6910.8402/23/2000 
Global / International   
   Diversified Emerging Mkts 
DFA Emerging Markets Core Equity Portfolio - Inst Class - 1913 -1.81-1.21-9.46-2.4811.503.576.1704/05/2005 
   Foreign Large Blend 
Aberdeen International Equity Fund - Institutional Class - 3474 -1.46-0.67-5.48-1.088.591.314.0306/29/2004 
 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  
FL STATE UNIV SYSTEM ORP  
Variable Annuity Account C, Standardized Returns  
Average Annual Total Returns as of 09/30/2018    (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 800-525-4225.  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.  VAA Inception Date is the date on which contributions were first received in this fund under the Variable Annuity Account, and is the date used in calculating the periodic returns. 


 Investment Options 1-Mo 3-Mo YTD 1-Yr 3-Yr 5-Yr 10-Yr Incept VAA Inception Date 

Bonds   
   Inflation-Protected Bond 
DFA Inflation-Protected Securities Portfolio - Inst Class - 3223 -1.08-0.91-1.26-0.051.811.4407/16/2015 
   Intermediate-Term Bond 
Metropolitan West Total Return Bond Fund - Class I Shares - 2287 -0.630.04-1.35-0.971.361.5307/14/2015 
Large Cap Value   
   Large Blend 
Neuberger Berman Sustainable Equity Fund - Inst Class - 7069 -0.764.699.0915.1414.8211.0007/15/2015 
   Large Value 
Touchstone Value Fund - Institutional Class - 6935 0.967.887.8414.1413.659.2707/14/2015 
Large Cap Growth   
   Large Growth 
T. Rowe Price Institutional Large-Cap Growth Fund - 2467 0.526.8219.7028.4322.6817.8107/14/2015 
Small/Mid/Specialty   
   Small Growth 
Delaware Smid Cap Growth Fund - Institutional Class - 6112 0.5113.6033.6357.6822.5418.1207/14/2015 
   Small Value 
DFA U.S. Targeted Value Portfolio - Institutional Class - 2566 -2.841.515.2810.0214.299.0507/14/2015 
Global / International   
   Diversified Emerging Mkts 
DFA Emerging Markets Core Equity Portfolio - Inst Class - 1913 -1.81-1.21-9.46-2.4811.505.2007/16/2015 
   Foreign Large Blend 
Aberdeen International Equity Fund - Institutional Class - 3474 -1.46-0.67-5.48-1.088.592.6907/14/2015 
 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) The current rate for the Voya Fixed Plus Account II MC 906, Fund 4106 is 2.50%, expressed as an annual effective yield. The current rate may change and be higher or lower than the previously identified rate but is guaranteed not to be less than 1.00%. VRIAC will not apply a decrease to the current rate following a rate change initiated solely by us prior to the last day of the three-month period measured from the first day of the month in which such change was effective. Note: The current rate for an initial investment in the fixed account previously identified may be in effect for less than a full three-month period. 

(2) The Investment Option is not part of the Separate Account.  The returns listed do not include the impact of contract charges.  Please refer to the contract to determine which Fixed Interest Options are available for your specific plan. 

 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. 




Creation Date: Saturday, October 20, 2018

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.