Investment Performance

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Average Annual Total Returns as of 12/31/2020    (shown in percentages)  

 Variable annuities and mutual funds offered through a retirement plan are intended as long-term investments designed for retirement purposes. Money distributed from a 403(b) plan, 401(a)/(k) plan, or a 457 plan will be taxed as ordinary income in the year the money is distributed. Early withdrawals from a 403(b) plan and a 401(a)/(k) plan, if taken prior to age 59 1/2, will be subject to the IRS 10% premature distribution penalty tax, unless an exception applies. This IRS premature distribution penalty tax does not apply to 457 plans. Account values fluctuate with market conditions, and when surrendered the principal may be worth more or less than the original amount invested. 

 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.  

 The returns assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. An asset based Administrative Fee is deducted from your account monthly at an annual rate of 0.145% of balances held in each of the investment options.  These returns do not reflect any plan level administrative fees, if applicable; if reflected, returns would be less favorable. The performance data shown below also does not reflect an expense reimbursement which may be applied to participant accounts on a quarterly basis.  If this expense reimbursement did apply and had been reflected, the performance data shown for each option would have been higher.  Please contact your local representative for more information. 

 The returns assume reinvestment of all dividends (ordinary income and capital gains) and are net of management fees and other fund operating expenses. 

 You should consider the investment objectives, risks and charges, and expenses of the funds carefully before investing.  The prospectus contains this and other information.  Anyone who wishes to obtain a free copy of the fund prospectuses may call their Voya representative or the number above.  Please read the prospectus 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 Gross Fund Exp %* Net Fund Exp %* 
Stability of Principal   
   Stable Value 
San Bernardino Stable Value Option - 1627 (1)(8)0.190.552.422.422.502.472.40   
   Intermediate Core Bond 
Fidelity® U.S. Bond Index Fund - D110 0.150.757.817.815.374.423.8203/08/19900.03 0.03  
Sterling Capital Total Return Bond Fund - Class R6 Shares - D668 0.611.679.369.366.065.254.4412/02/19990.58 0.35  
   Intermediate Government 
Fidelity® Intermediate Treasury Bond Index Fund - D114 -0.09-0.819.119.115.814.103.9512/20/20050.03 0.03  
Asset Allocation   
Vanguard® Institutional Target Retirement Income Fund- Inst - 4711 (2)1.765.1910.1810.186.936.926.0106/26/20150.09 0.09  
   Lifecycle - Index 
Vanguard® Institutional Target Retirement 2020 Fund - Inst - 4702 (2)2.607.8812.0912. 0.09  
Vanguard® Institutional Target Retirement 2025 Fund - Inst - 4703 (2)3.019.3613.3413.348.819.948.2006/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2030 Fund - Inst - 4704 (2)3.4010.5414.1014.109.1910.578.6206/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2035 Fund - Inst - 4705 (2)3.7711.6414.8014.809.5511.169.0306/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2040 Fund - Inst - 4706 (2)4.1012.7815.4415.449.8611.749.4006/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2045 Fund - Inst - 4707 (2)4.4813.9116.1716.1710.2112.129.7306/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2050 Fund - Inst - 4708 (2)4.5314.0316.3316.3310.2612.149.7606/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2055 Fund - Inst - 4709 (2)4.5314.0216.3616.3610.2812.169.7706/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2060 Fund - Inst - 4710 (2)4.5114.0216.4016.4010.3012.169.7606/26/20150.09 0.09  
Vanguard® Institutional Target Retirement 2065 Fund - Inst - 8985 (2)4.4914.0116.1816.1810.2511.6607/12/20170.09 0.09  
Aggressive Allocation Portfolio - 495 (3)4.1312.9912.4212.428.4610.568.6410/01/20040.14 0.10  
Conservative Allocation Portfolio - 488 (4)1.625.037.747.745.396.195.4710/01/20040.25 0.25  
Moderate Allocation Portfolio - 490 (5)3.169.8910.1510.157.108.667.7110/01/20040.20 0.16  
Large Cap Value   
   Large Blend 
Fidelity® 500 Index Fund - C975 3.8412.1418.4018.4014.1715.2113.8702/17/19880.02 0.02  
Hartford Core Equity Fund - Class R6 - 7902 (6)3.5012.4918.4918.4916.0315.0714.9704/30/19980.39 0.39  
   Mid-Cap Blend 
Fidelity® Mid Cap Index Fund - D122 4.7019.8917.1117.1111.6013.4014.0909/08/20110.03 0.03  
   Mid-Cap Growth 
Baron Growth Fund - Institutional Shares - 1713 6.7421.1033.0533.0522.0819.7615.0612/30/19941.04 1.04  
   Small Blend 
Fidelity® Small Cap Index Fund - C993 8.6331.2819.9919.9910.3613.4313.6009/08/20110.03 0.03  
Hartford Schroders US Small Cap Opportunities Fund - Cl SDR - E338 8.2226. 1.03  
Global / International   
   Foreign Large Blend 
Fidelity® Total International Index Fund - D128 5.7916.8111.0711.074.938.9806/07/20160.06 0.06  
MFS® International Diversification Fund - Class R6 - C380 (7)5.3813.6515.4315.439.0411.597.7009/30/20040.77 0.75  
 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. 
 *The Gross Expense Ratios shown do not reflect any temporary fee or expense waivers that may be in effect for a fund. The performance of a fund with a temporary fee or expense waiver would have been lower if the gross fund fees / expenses listed had been reflected. 

(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 San Bernardino Stable Value Option Fund 1627 is 1.85%, expressed as an annual effective yield, and is guaranteed not to drop below 1.85% through 03/31/2021.  The rate for the Stable Value option during the prior quarter (10/01/20 - 12/31/20) was 2.22%, expressed as an annual effective yield. 

(2) Vanguard Target Retirement Funds:  Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.
These fund suggestions are based on an estimated retirement age of approximately 65. Should you choose to retire significantly earlier or later, you may want to consider a fund with an asset allocation more appropriate to your particular situation.

All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss. Investments in bonds are subject to interest rate, credit, and inflation risk.
(3) The Aggressive Allocation Portfolio is not a registered investment company and has not been registered with the Securities and Exchange Commission. 
(4) The Conservative Allocation Portfolio is not a registered investment company and has not been registered with the Securities and Exchange Commission. 
(5) The Moderate Allocation Portfolio is not a registered investment company and has not been registered with the Securities and Exchange Commission. 
(6) Hartford Core Equity Fund - Class R6: Hartford Funds Management Company, LLC (the "Investment Manager") has contractually agreed to reimburse expenses (exclusive of taxes, interest expenses, brokerage commissions, acquired fund fees and expenses and extraordinary expenses) to the extent necessary to maintain total annual fund operating expenses as 0.45%. Each contractual arrangement will remain in effect until February 28, 2018, and shall renew automatically for one-year terms thereafter unless the Investment Manager or HASCO, respectively, provides written notice of termination prior to the start of the next term or upon approval of the Board of Directors of The Hartford Mutual Funds, Inc. HASCO has contractually agreed to reimburse all transfer agency fees until February 28, 2018. 

(7) MFS International Diversification Fund - Class R6: Massachusetts Financial Services Company has agreed in writing to bear the fund's expenses, excluding management fees, distribution and service fees, interest, taxes, extraordinary expenses, brokerage and transaction costs, and investment-related expenses, including fees and expenses associated with investments in investment companies and other similar investment vehicles, such that "Other Expenses" do not exceed 0.00% of the class' average daily net assets annually for Class R6 shares. This written agreement will continue until modified by the fund's Board of Trustees, but such agreement will continue until at least September 30, 2019. 

(8) 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. 

Creation Date: Saturday, January 23, 2021

The Net Fund Expense for the San Bernardino Stable Value Option is 0.34%

Not FDIC/NCUA/NCUSIF Insured | Not a Deposit of a Bank/Credit Union | May Lose Value | Not Bank/Credit Union Guaranteed | Not Insured by Any Federal Government Agency

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