PERFORMANCEUPDATE Voya Retirement Insurance and Annuity

PERFORMANCE
UPDATE
Voya Retirement Insurance and Annuity Company
DELTA STATE
Variable Annuity Account C, Non-Standardized Returns
Average Annual Total Returns as of: 12/31/2014
(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.
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 monthend 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 0.65% 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-Yr
10-Yr
Money Market
Voya Money Market Portfolio - Class I - 003 (2)
-0.06
-0.16
-0.63
-0.63
-0.63
The 7-day annualized Subaccount yield as of 12/31/2014 is -0.65%, which more closely reflects current earnings. (5)
-0.58
0.96
Stability of Principal
Voya Fixed Plus Account II - 039 (1)(4)
This fund is not part of the product's separate account.
Incept
Fund
Inception
Date
Stability of Principal
01/01/1980
0.25
0.75
3.00
3.00
3.00
3.00
3.30
Intermediate-Term Bond
Voya Intermediate Bond Portfolio - Class I - 004
-0.23
1.18
5.98
5.98
4.56
5.91
4.13
05/23/1973
World Bond
Voya Global Bond-Int / Janus Aspen Flexible Inc-Inst (3)
Voya Global Bond Portfolio - Initial Class - 422
-1.85
-1.85
-1.86
-1.86
-0.23
-0.23
-0.23
-0.23
0.67
0.67
3.88
3.88
3.78
3.67
09/13/1993
11/08/2004
-0.92
3.67
8.89
8.89
11.91
10.15
4.78
09/02/1986
Bonds
Balanced
Moderate Allocation
Calvert VP SRI Balanced Portfolio - 101
Page 1 of 5
See Performance Introduction Page for Important Information
Incept
Fund
Inception
Date
Investment Options
1-Mo
3-Mo
YTD
1-Yr
3-Yr
5-Yr
10-Yr
Voya Balanced Portfolio - Class I - 008
VY Inv Eqty & Inc Port I/Janus Asp Balanced I (3)
VY® Invesco Equity and Income Portfolio - Initial Class - 452
-1.07
0.22
0.22
1.65
1.88
1.88
5.53
8.25
8.25
5.53
8.25
8.25
11.37
14.62
14.62
8.96
10.56
10.56
4.43
6.41
6.60
04/03/1989
09/13/1993
12/10/2001
Large Blend
Invesco V.I. Core Equity Fund - Series I Shares - 079
Voya Growth and Income Portfolio - Class I - 001
Voya Index Plus LargeCap Portfolio - Class I - 035
-0.88
-0.87
-0.50
0.97
2.81
3.90
7.45
10.00
13.12
7.45
10.00
13.12
16.00
17.99
19.32
11.03
13.04
13.81
6.88
6.77
6.13
05/02/1994
12/31/1979
09/16/1996
Large Value
Fidelity VIP Equity-Income Portfolio - Initial Class - 108
VY® Invesco Comstock Portfolio - Service Class - 437
-0.70
0.11
1.72
1.83
8.01
8.43
8.01
8.43
17.03
19.68
12.96
13.79
5.56
5.85
10/09/1986
05/01/2002
-0.39
-1.22
-1.64
-1.09
-1.54
3.67
1.20
2.49
5.02
4.15
11.22
10.58
7.74
12.88
7.98
11.22
10.58
7.74
12.88
7.98
18.83
19.50
19.20
19.89
20.85
13.61
15.95
13.46
14.84
15.03
8.18
7.04
7.19
9.46
7.85
01/03/1995
10/09/1986
07/03/1995
05/03/2004
11/28/1997
Mid-Cap Blend
Voya Index Plus MidCap Portfolio - Class I - 053
0.47
5.32
8.85
8.85
19.39
15.15
7.53
12/16/1997
Mid-Cap Growth
VY T.Rowe Price Div MidCap-I/Janus Aspen MidCap - I (3)
VY® T. Rowe Price Diversified Mid Cap Growth Port - Initial - 449
0.01
0.01
6.85
6.85
11.10
11.10
11.10
11.10
19.85
19.85
16.03
16.03
8.71
8.63
09/13/1993
12/10/2001
Foreign Large Blend
Fidelity VIP Overseas Portfolio - Initial Class - 107
-3.23
-2.64
-8.67
-8.67
12.39
5.60
4.08
01/28/1987
Foreign Large Value
VY® Templeton Foreign Equity Portfolio - Initial Class - 1586
-3.35
-4.75
-7.20
-7.20
9.42
4.38
World Stock
VY Oppenheimer Global-Int/Janus Aspen Worldwide Gr-Inst (3)
VY® Oppenheimer Global Portfolio - Initial Class - 432
-2.89
-2.89
-0.48
-0.48
1.66
1.66
1.66
1.66
15.79
15.79
10.32
10.32
Large Cap Value
Large Cap Growth
Large Growth
Fidelity VIP Contrafund Portfolio - Initial Class - 133
Fidelity VIP Growth Portfolio - Initial Class - 109
Invesco V.I. American Franchise Fund - Series I Shares - 3384
Voya Large Cap Growth Portfolio - Institutional Class - 742
VY® T. Rowe Price Growth Equity Portfolio - Initial Class - 111
Small/Mid/Specialty
Global / International
3.21
6.86
6.52
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.
Page 2 of 5
01/03/2006
09/13/1993
05/01/2002
PERFORMANCE
UPDATE
Voya Retirement Insurance and Annuity Company
DELTA STATE
Variable Annuity Account C, Standardized Returns
Average Annual Total Returns as of: 12/31/2014
(shown in percentages)
The performance data quoted represents past performance. Past performance does not guarantee future results. For monthend 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 0.65% 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
Incept
VAA
Inception
Date
3-Yr
5-Yr
10-Yr
Money Market
Voya Money Market Portfolio - Class I - 003 (2)
-0.06
-0.16
-0.63
-0.63
-0.63
The 7-day annualized Subaccount yield as of 12/31/2014 is -0.65%, which more closely reflects current earnings. (5)
-0.58
0.96
09/30/1975
05/31/1978
Stability of Principal
Bonds
Intermediate-Term Bond
Voya Intermediate Bond Portfolio - Class I - 004
-0.23
1.18
5.98
5.98
4.56
5.91
4.13
World Bond
Voya Global Bond-Int / Janus Aspen Flexible Inc-Inst (3)
Voya Global Bond Portfolio - Initial Class - 422
-1.85
-1.85
-1.86
-1.86
-0.23
-0.23
-0.23
-0.23
0.67
0.67
3.88
3.88
3.78
-0.92
-1.07
0.22
0.22
3.67
1.65
1.88
1.88
8.89
5.53
8.25
8.25
8.89
5.53
8.25
8.25
11.91
11.37
14.62
14.62
10.15
8.96
10.56
10.56
4.78
4.43
6.41
Large Blend
Invesco V.I. Core Equity Fund - Series I Shares - 079
Voya Growth and Income Portfolio - Class I - 001
Voya Index Plus LargeCap Portfolio - Class I - 035
-0.88
-0.87
-0.50
0.97
2.81
3.90
7.45
10.00
13.12
7.45
10.00
13.12
16.00
17.99
19.32
11.03
13.04
13.81
6.88
6.77
6.13
05/10/1999
05/01/1975
10/31/1996
Large Value
Fidelity VIP Equity-Income Portfolio - Initial Class - 108
VY® Invesco Comstock Portfolio - Service Class - 437
-0.70
0.11
1.72
1.83
8.01
8.43
8.01
8.43
17.03
19.68
12.96
13.79
5.56
5.85
05/31/1994
05/06/2002
-0.39
-1.22
3.67
1.20
11.22
10.58
11.22
10.58
18.83
19.50
13.61
15.95
8.18
7.04
05/31/1995
05/31/1994
3.92
10/31/1994
03/23/2005
6.87
05/31/1989
04/03/1989
06/30/1995
03/22/2005
Balanced
Moderate Allocation
Calvert VP SRI Balanced Portfolio - 101
Voya Balanced Portfolio - Class I - 008
VY Inv Eqty & Inc Port I/Janus Asp Balanced I (3)
VY® Invesco Equity and Income Portfolio - Initial Class - 452
Large Cap Value
Large Cap Growth
Large Growth
Fidelity VIP Contrafund Portfolio - Initial Class - 133
Fidelity VIP Growth Portfolio - Initial Class - 109
Page 3 of 5
See Performance Introduction Page for Important Information
3-Yr
5-Yr
10-Yr
Incept
VAA
Inception
Date
Investment Options
1-Mo
3-Mo
YTD
1-Yr
Invesco V.I. American Franchise Fund - Series I Shares - 3384
Voya Large Cap Growth Portfolio - Institutional Class - 742
VY® T. Rowe Price Growth Equity Portfolio - Initial Class - 111
-1.64
-1.09
-1.54
2.49
5.02
4.15
7.74
12.88
7.98
7.74
12.88
7.98
19.89
20.85
15.03
7.85
04/27/2012
06/18/2010
11/28/1997
Mid-Cap Blend
Voya Index Plus MidCap Portfolio - Class I - 053
0.47
5.32
8.85
8.85
19.39
15.15
7.53
05/04/1998
Mid-Cap Growth
VY T.Rowe Price Div MidCap-I/Janus Aspen MidCap - I (3)
VY® T. Rowe Price Diversified Mid Cap Growth Port - Initial - 449
0.01
0.01
6.85
6.85
11.10
11.10
11.10
11.10
19.85
19.85
16.03
16.03
8.71
8.63
06/30/1994
12/26/2002
Foreign Large Blend
Fidelity VIP Overseas Portfolio - Initial Class - 107
-3.23
-2.64
-8.67
-8.67
12.39
5.60
4.08
05/31/1994
Foreign Large Value
VY® Templeton Foreign Equity Portfolio - Initial Class - 1586
-3.35
-4.75
-7.20
-7.20
9.42
4.38
World Stock
VY Oppenheimer Global-Int/Janus Aspen Worldwide Gr-Inst (3)
VY® Oppenheimer Global Portfolio - Initial Class - 432
-2.89
-2.89
-0.48
-0.48
1.66
1.66
1.66
1.66
15.79
15.79
10.32
10.32
15.07
17.07
Small/Mid/Specialty
Global / International
0.09
04/25/2008
7.10
05/31/1995
03/22/2005
6.86
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 Large Case is 3.00%, expressed as an annual effective yield, and is
guaranteed not to drop below 3.00% through 12/31/2015. The annual rate of interest applied to your account may be higher or lower
than the current rate. Restrictions may apply to transfers of funds from the Fixed Account to other contract investment options. Please
refer to your product prospectus / disclosure booklet and call your 800 number for more information.
(2)An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other
government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose
money by investing in the Fund.
(3)The latter fund listed was replaced with the applicable Voya Investment Trust Co. Portfolio (the first fund listed). For most customers
this occurred after the close of business on April 15, 2005. The performance shown is based on the performance of the replaced fund
until April 15, 2005, and the performance of the applicable Voya Investment Trust Co. Portfolio after that date. The replaced fund may
not have been available under all contracts. This replacement may have occurred for some customers on April 8, 2005.
(4)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.
The CURRENT rate for the Voya Short Term Guaranteed Accumulation Account is 3.00%, expressed as an annual effective yield, and
is guaranteed between 01/01/2015 and 01/31/2018.
Deposits received from 01/01/2015 through 01/30/2015 will receive this rate of interest. The annual rate of interest applied to your
account may be higher or lower than the current rate. For more information regarding the GAA rates and terms, call 1-800-GAA-FUND.
(5)The current yield reflects the deduction of all charges that are deducted from the total return quotations shown.
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
Page 4 of 5
See Performance Introduction Page for Important Information
Additional Notes
offered through Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement.
Creation Date: Friday, January 02, 2015
Page 5 of 5

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