Advanced Markets Online (AMO) Documents

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This information is prepared by Pentera Group, Inc. of 5546 Shorewood Drive, Indianapolis, Indiana 46220; a source Voya™ believes to be reliable, but cannot guarantee or represent its accuracy or completeness. The material is designed to provide accurate and authoritative information on the subjects covered. It's not, however, intended to provide specific legal, tax or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.

Because investors' situations and objectives vary, this information is not intended to indicate suitability for any particular investor. The opinions are those of the third party, and the opinions and information presented are subject to change without notice.

Pentera Group, Inc. is not affiliated with the Voya™ family of companies.