Investor Presentaiton
Forward-Looking and Other Cautionary Statements
This presentation and the remarks made orally contain forward-looking statements within the meaning of the Private
Securities Litigation Reform Act of 1995. The company does not assume any obligation to revise or update these statements
to reflect new information, subsequent events or changes in strategy. Forward-looking statements include statements relating
to future developments in our business or expectations for our future financial performance and any statement not involving a
historical fact. Forward-looking statements use words such as “anticipate,” “believe,” “estimate,” “expect,” “intend,” “plan,” and
other words and terms of similar meaning in connection with a discussion of future operating or financial performance. Actual
results, performance or events may differ materially from those projected in any forward-looking statement due to, among
other things, (i) general economic conditions, particularly economic conditions in our core markets, (ii) performance of
financial markets, (iii) the frequency and severity of insured loss events, (iv) the effects of natural or man-made disasters,
including pandemic events and specifically the current COVID-19 pandemic event, (v) mortality and morbidity levels, (vi)
persistency and lapse levels, (vii) interest rates, (viii) currency exchange rates, (ix) general competitive factors, (x) changes in
laws and regulations, such as those relating to Federal taxation, state insurance regulations and NAIC regulations and
guidelines, (xi) changes in the policies of governments and/or regulatory authorities, (xii) our ability to successfully manage
the separation of our individual life business on the expected timeline and economic terms, and (xiii) our ability to successfully
complete a strategic partnership transaction with AllianzGI on the expected economic terms or at all. Factors that may cause
actual results to differ from those in any forward-looking statement also include those described under "Risk Factors” and
"Management's Discussion and Analysis of Results of Operations and Financial Condition ("MD&A”) - Trends and
Uncertainties" in our Annual Report on Form 10-K for the year ended Dec. 31, 2021, as filed with the Securities and
Exchange Commission ("SEC") on Feb. 22, 2022 and in our Quarterly Report on Form 10-Q for the three months ended
March 31, 2022, filed with the SEC on May 5, 2022.
This presentation and the remarks made orally contain certain non-GAAP financial measures. Non-GAAP measures include
Adjusted Operating Earnings, Adjusted Operating Return on Capital, Adjusted Operating Margin, and Adjusted debt-to-capital
ratio. Information regarding these and other non-GAAP financial measures, including reconciliations to the most directly
comparable GAAP financial measures, is provided in our quarterly earnings press releases and in our quarterly investor
supplements, all of which are available at the Investor Relations section of Voya Financial's website at investors.voya.com.
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