With a vision to be America's Retirement Company® , we don't just innovate. We innovate with a purpose. Purposeful innovation is something more than just delivering the newest technology. Innovation with a purpose means we are constantly focused on fi nding new ways - using digital insights and behavioral science - to help improve the fi nancial wellness and retirement outcomes of your employees. The Voya Behavioral Finance Institute for Innovation is leading a series of pioneering studies and testing a number of unique concepts that are translating into large-scale retirement plan solutions. OUR LATEST RESEARCH > How Do Consumers Respond When Default Options Push the Envelope?* Go behind the science at Voya.com/behavioralfi nance Shlomo Benartzi Professor and co-chair of the Behavioral Decision-Making Group at UCLA Anderson School of Management To learn more about how Voya applies behavioral insights to help improve outcomes for all sizes of companies and tax exempt entities, call Voya's Sales Desk at 866.481.3653, option 4. * How Do Consumers Respond When Default Options Push the Envelope? (SSRN #3050562), by John Beshears of Harvard University and NBER; Shlomo Benartzi of University of California, Los Angeles; Richard T. Mason of City, University of London and Voya Financial; and Katherine L. Milkman of University of Pennsylvania. Products and services off ered through the Voya family of companies. 3051532.X.R © 2018 Voya Services Company. All rights reserved. CN0209-40063-0320Dhttp://www.Voya.com/behavioralfi