Mutual Funds, annuities, and other investments are NOT insured by the FDIC or NCUSIF , not insured by any Federal Government Agency, are NOT deposits, are NOT obligations of or guaranteed by this financial institution or any other affiliated entity; are subject to investment risk, including possible loss of the principal invested, may go down in value; and are not insured by the Securities Investors Protection Corporation (SIPC) as to loss of principal. Securities and investment advisory services offered through Voya Financial Advisors, Member SIPC.