Voya 2014 Annual Report Download - page 25

Table of Contents
For the purposes of the discussion in this Annual Report on Form 10-K, the term Voya Financial, Inc. refers to
Voya Financial, Inc. and the terms “Company,” “we,” “our,” and “us” refer to Voya Financial, Inc. and its
subsidiaries.
NOTE CONCERNING FORWARD-LOOKING STATEMENTS
This Annual Report on Form 10-K, including “Risk Factors,” “Management’s Discussion and Analysis of
Financial Condition and Results of Operations,” and “Business,” contains forward-looking statements within the
meaning of the Private Securities Litigation Reform Act of 1995. 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,
including emerging markets, (iii) the frequency and severity of insured loss events, (iv) mortality and morbidity
levels, (v) persistency and lapse levels, (vi) interest rates, (vii) currency exchange rates, (viii) general competitive
factors, (ix) changes in laws and regulations, (x) changes in the policies of governments and/or regulatory
authorities and (xi) other factors described in the section “Item 1A. Risk Factors.”
The risks included here are not exhaustive. Current reports on Form 8-K and other documents filed with the
Securities and Exchange Commission (“SEC”) include additional factors that could affect our businesses and
financial performance. Moreover, we operate in a rapidly changing and competitive environment. New risk
factors emerge from time to time, and it is not possible for management to predict all such risk factors.
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