CrimeInsurance.com
©2015 Great American Insurance Company is an equal opportunity provider. 301 E. Fourth Street, Cincinnati, OH 45202. 0790FIC-B (4/15)
There are over 3,000 property and casualty insurance companies in the United States.
Only 50 are included on the Wards 50 List for safety, consistency and performance.
Only 5 have been rated A or better by A.M. Best for over 100 years.
Only 2 are on both lists.
Great American Insurance Company is 1 of the two.
Source: Ward Group®, 2014 Wards 50 Property and Casualty Companies, and A.M. Best®. Great American Insurance Company is rated A+(Superior) by A.M. Best® as of March 20, 2015. 0790FIC-B (4/15)
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IMPORTANT NOTICE
FIDELITY CRIME DIVISION CLAIMS
Should this account have a potential claim situation, please contact:
Fidelity & Crime Claims Department
Great American Insurance Group
Five Waterside Crossing
Windsor, CT 06095
(860) 298-7330
(860) 688-8188 fax
CrimeClaims@gaig.com
SDM-683 (Ed. 08/14) |
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FI 75 10 (Ed. 11/16)
INVESTMENT COMPANY BOND
GREAT AMERICAN INSURANCE COMPANY
(A Stock Insurance Company, Herein Called the Underwriter)
DECLARATIONS
|
Bond No. FS 3147982 06 00
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Item 1. | Name of Insured (herein called Insured): | Voya Family of Funds f/k/a ING Family of Funds | ||||
Principal Address: | 7337 E. Doubletree Ranch Rd, | |||||
Suite 100 | ||||||
Scottsdale, AZ 85258
| ||||||
Item 2. |
Bond Period: from 12:01 a.m. on 03/31/2017 to 03/31/2018 12:01 a.m. the effective date of the termination or cancellation of this Bond, standard time at the Principal Address as to each of said dates.
| |||||
Item 3. |
Limit of Liability - Subject to Sections 9, 10 and 12 hereof, |
Amount applicable to | ||||||||
Limit of Liability | Deductible | |||||||
Insuring Agreement (A)-Fidelity |
$ | 40,000,000 | $ | 25,000 | ||||
Insuring Agreement (B)-On Premises |
$ | 40,000,000 | $ | 25,000 | ||||
Insuring Agreement (C)-In Transit |
$ | 40,000,000 | $ | 25,000 | ||||
Insuring Agreement (D)-Forgery or Alteration |
$ | 40,000,000 | $ | 25,000 | ||||
Insuring Agreement (E)-Securities |
$ | 40,000,000 | $ | 25,000 | ||||
Insuring Agreement (F)-Counterfeit Currency |
$ | 40,000,000 | $ | 25,000 | ||||
Insuring Agreement (G)-Stop Payment |
$ | 250,000 | $ | 5,000 | ||||
Insuring Agreement (H)-Uncollectible Items of Deposit |
$ | 250,000 | $ | 5,000 | ||||
Insuring Agreement (I)-Audit Expense |
$ | 250,000 | $ | 5,000 | ||||
Insuring Agreement (J)-Telefacsimile Transmissions |
$ | 40,000,000 | $ | 25,000 | ||||
Insuring Agreement (K)-Unauthorized Signatures |
$ | 250,000 | $ | 5,000 | ||||
Optional Insuring Agreements and Coverages |
||||||||
Insuring Agreement (L)-Computer Systems |
$ | 40,000,000 | $ | 25,000 | ||||
Insuring Agreement (M)-Automated Phone Systems |
$ | 40,000,000 | $ | 25,000 | ||||
Insuring Agreement (N)-Fraudulent Transfer Instructions |
$ | 40,000,000 | $ | 25,000 |
FI 75 10 (Ed. 11/16) | (Page 1 of 2) |
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If Not Covered is inserted above opposite any specified Insuring Agreement or Coverage, such Insuring Agreement or Coverage and any other reference thereto in this Bond shall be deemed to be deleted therefrom. |
Item 4. | Offices or Premises Covered-Offices acquired or established subsequent to the effective date of this Bond are covered according to the terms of General Agreement A. All the Insureds offices or premises in existence at the time this Bond becomes effective are covered under this Bond except the offices or premises located as follows: |
N/A
Item 5. | The liability of the Underwriter is subject to the terms of the following Riders attached hereto: |
See Form FI8801
Item 6. | The Insured by the acceptance of this Bond gives to the Underwriter terminating or cancelling prior Bond(s) or Policy(ies) No.(s) |
FS 3147982 05
such termination or cancellation to be effective as of the time this Bond becomes effective.
FI 75 10 (Ed. 11/16) | (Page 2 of 2) |
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FI 75 11 (Ed. 08/15) |
INVESTMENT COMPANY BOND
The Underwriter, in consideration of an agreed premium, and subject to the Declarations made a part hereof, the General Agreements, Conditions and Limitations and other terms of this Bond, agrees with the Insured, in accordance with Insuring Agreements hereof to which an amount of insurance is applicable as set forth in Item 3 of the Declarations and with respect to loss sustained by the Insured at any time but discovered during the Bond period, to indemnify and hold harmless the Insured for:
INSURING AGREEMENTS
FI 75 11 (Ed. 08/15) | (Page 1 of 13) |
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FI 75 11 (Ed. 08/15) | (Page 2 of 13) |
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FI 75 11 (Ed. 08/15) | (Page 3 of 13) |
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GENERAL AGREEMENTS
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THE FOREGOING INSURING AGREEMENTS AND
GENERAL AGREEMENTS ARE SUBJECT TO
THE FOLLOWING CONDITIONS AND LIMITATIONS:
FI 75 11 (Ed. 08/15) | (Page 5 of 13) |
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FI 75 11 (Ed. 08/15) | (Page 7 of 13) |
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FI 75 11 (Ed. 08/15) | (Page 8 of 13) |
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FI 75 11 (Ed. 08/15) | (Page 9 of 13) |
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FI 75 11 (Ed. 08/15) | (Page 10 of 13) |
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Great American Insurance Company | |||
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FI 75 11 (Ed. 08/15) | (Page 11 of 13) |
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FI 75 11 (Ed. 08/15) | (Page 12 of 13) |
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FI 75 11 (Ed. 08/15) | (Page 13 of 13) |
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FI 88 01 (Ed. 10 11) |
FORMS AND RIDERS SCHEDULE
It is hereby understood and agreed the following forms and riders are attached to and are a part of this bond:
Form No. / Edition | Date Added * Date Deleted |
Form Description | Rider No. (if applicable) |
|||||||||||
FI7510 |
11-16 | Investment Company Bond Dec Page | ||||||||||||
FI7511 |
08-15 | Investment Company Bond Insuring Agreements | ||||||||||||
SRF9808 |
08-95 | Rider - Joint Insured List | 1 | |||||||||||
SRF9808 |
08-95 | Rider - Insuring Agreement L | 2 | |||||||||||
SRF9808 |
08-95 | Rider - Extended Computer Systems Rider | 3 | |||||||||||
SRF9808 |
08-95 | Rider - Newly Created Investment Companies | 4 | |||||||||||
SRF9808 |
08-95 | Rider - Loss Reporting Threshold | 5 | |||||||||||
SRF9808 |
08-95 | Rider - Counterfeit Currency Revision | 6 | |||||||||||
SRF9808 |
08-95 | Rider - Amended Definition of Employee | 7 | |||||||||||
SRF9808 |
08-95 | Rider - Amended Section 13 - Termination | 8 | |||||||||||
SRF9808 |
08-95 | Rider - Amended Fidelity | 9 | |||||||||||
SRF9808 |
08-95 | Rider - Amended Section 4, Loss-Notice-Proof-Legal Proceedings | 10 | |||||||||||
SRF9808 |
08-95 | Rider - Confidential Information and Data Breach | 11 | |||||||||||
SRF9808 |
08-95 | Rider - Automated Phone System - full limits | 12 | |||||||||||
SRF9808 |
08-95 | Rider - Named Insured Rider | 14 | |||||||||||
FI7516 |
11-16 | Fraudulent Transfer Instructions | 13 | |||||||||||
FI7340 |
08-15 | Economic And Trade Sanctions Clause | ||||||||||||
FI7341 |
08-15 | In-Witness Clause | ||||||||||||
* If not at inception |
|
FI 88 01 (Ed. 10/11) | (Page 1 of 1) |
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RIDER NO. 1
To be attached to and form part of Investment Company Bond
No. FS 3147982 06 00
In favor of Voya Family of Funds f/k/a ING Family of Funds
Joint Insured List
1. At the request of the Insured, the Underwriter adds to the list of Insured under the attached bond the following:
Voya Balanced Portfolio, Inc., a series fund consisting of: |
Voya Balanced Portfolio |
Voya Variable Funds, a series fund consisting of: |
Voya Growth and Income Portfolio |
Voya Intermediate Bond Portfolio, a series fund consisting of: |
Voya Intermediate Bond Portfolio |
Voya Money Market Portfolio, a series fund consisting of: |
Voya Money Market Portfolio |
Voya Variable Portfolios, Inc., a series fund consisting of: |
Voya Index Plus LargeCap Portfolio |
Voya Index Plus MidCap Portfolio |
Voya Index Plus SmallCap Portfolio |
Voya Small Company Portfolio |
Voya Australia Index Portfolio |
Voya Euro STOXX 50® Index Portfolio |
Voya FTSE 100 Index® Portfolio |
Voya Hang Seng Index Portfolio |
Voya International Index Portfolio |
Voya Japan TOPIX Index Portfolio |
Voya Russell Large Cap Growth Index Portfolio |
Voya Russell Large Cap Index Portfolio |
Voya Russell Large Cap Value Index Portfolio |
Voya Russell Mid Cap Growth Index Portfolio |
Voya Russell Mid Cap Index Portfolio |
Voya Russell Small Cap Index Portfolio |
Voya U S. Bond Index Portfolio |
Voya Emerging Markets Index Portfolio |
Voya Global Value Advantage Portfolio |
Voya Strategic Allocation Portfolios Inc. a series fund consisting of: |
Voya Strategic Allocation Moderate Portfolio |
Voya Strategic Allocation Growth Portfolio |
Voya Strategic Allocation Conservative Portfolio |
Voya Series Fund, Inc., a series fund consisting of: |
Voya Corporate Leaders 100 Fund |
Voya Money Market Fund |
Voya Small Company Fund |
SRF 9808 (Ed. 08/95) | (Page 1 of 4) |
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Voya Large Cap Growth Fund |
Voya Mid Cap Value Advantage Fund |
Voya Capital Allocation Fund |
Voya Global Target Payment Fund |
Voya Equity Trust, a series Fund consisting of: |
Voya LargeCap Value Fund |
Voya Growth Opportunities Fund |
Voya MidCap Opportunities Fund |
Voya Real Estate Fund |
Voya SmallCap Opportunities Fund |
Voya Multi-Manager Mid Cap Value Fund |
Voya Funds Trust, a series Fund consisting of: |
Voya Floating Rate Fund |
Voya GNMA Income Fund |
Voya High Yield Bond Fund |
Voya Intermediate Bond Fund |
Voya Short Term Bond Fund |
Voya Strategic Income Opportunities Fund |
Voya Mutual Funds, a series fund consisting of: |
Voya Global Value Advantage Fund |
Voya Diversified International Fund |
Voya Multi-Manager Emerging Markets Equity Fund |
Voya Global Bond Fund |
Voya Global Equity Dividend Fund |
Voya Global Natural Resources Fund |
Voya Global Real Estate Fund |
Voya International Value Equity Fund |
Voya Emerging Markets Equity Dividend Fund |
Voya International Core Fund |
Voya Multi-Manager International Equity Fund |
Voya International Real Estate Fund |
Voya Multi-Manager International Small Cap Fund |
Voya Russia Fund |
Voya Diversified Emerging Markets Debt Fund |
Voya Global Perspectives Fund |
Voya Separate Portfolios Trust, a series Fund consisting of: |
Voya Investment Grade Credit Fund |
Voya Emerging Markets Corporate Debt Fund |
Voya Emerging Markets Hard Currency Debt Fund |
Voya Emerging Markets Local Currency Debt Fund |
Voya Retirement Solution 2020 Fund |
Voya Retirement Solution 2025 Fund |
Voya Retirement Solution 2030 Fund |
Voya Retirement Solution 2035 Fund |
Voya Retirement Solution 2040 Fund |
Voya Retirement Solution 2045 Fund |
Voya Retirement Solution 2050 Fund |
Voya Retirement Solution 2055 Fund |
Voya Target Retirement 2060 Fund |
Voya Retirement Solution Income Fund |
Voya Securitized Credit Fund |
Voya Variable Products Trust, a series Fund consisting of: |
Voya MidCap Opportunities Portfolio |
Voya SmallCap Opportunities Portfolio |
Voya Investors Trust, a series Fund Consisting of: |
F 9808 (Ed. 08/95) | (Page 2 of 4) |
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VY BlackRock Inflation Protected Bond Portfolio |
VY Clarion Global Real Estate Portfolio |
VY Clarion Real Estate Portfolio |
VY DFA World Equity Portfolio |
VY FMRsm Diversified Mid Cap Portfolio |
VY Franklin Income Portfolio |
VY Franklin Mutual Shares Portfolio |
VY Franklin Templeton Founding Strategy Portfolio |
VY Invesco Growth and Income Portfolio |
VY JPMorgan Emerging Markets Equity Portfolio |
VY JPMorgan Small Cap Core Equity Portfolio |
Voya Large Cap Growth Portfolio |
Voya Large Cap Value Portfolio |
Voya Limited Maturity Bond Portfolio |
Voya Liquid Assets Portfolio |
VY Morgan Stanley Global Franchise Portfolio |
Voya High Yield Portfolio |
Voya Multi-Manager Large Cap Core Portfolio |
Voya Retirement Conservative Portfolio |
Voya Retirement Growth Portfolio |
Voya Retirement Moderate Growth Portfolio |
Voya Retirement Moderate Portfolio |
VY T. Rowe Price Capital Appreciation Portfolio |
VY T. Rowe Price Equity Income Portfolio |
VY T. Rowe Price International Stock Portfolio |
VY Templeton Global Growth Portfolio |
Voya U.S. Stock Index Portfolio |
Voya Global Perspectives Portfolio |
Voya Partners, Inc., a series Fund consisting of: |
VY American Century Small-Mid Cap Value Portfolio |
VY Baron Growth Portfolio |
VY Columbia Small Cap Value II Portfolio |
VY Columbia Contrarian Core Portfolio |
VY Fidelity® VIP Contrafund® Portfolio |
VY Fidelity® VIP Equity-Income Portfolio |
VY Fidelity® VIP Mid Cap Portfolio |
Voya Global Bond Portfolio |
Voya Index Solution 2015 Portfolio |
Voya Index Solution 2020 Portfolio |
Voya Index Solution 2025 Portfolio |
Voya Index Solution 2030 Portfolio |
Voya Index Solution 2035 Portfolio |
Voya Index Solution 2040 Portfolio |
Voya Index Solution 2045 Portfolio |
Voya Index Solution 2050 Portfolio |
Voya Index Solution 2055 Portfolio |
Voya Index Solution 2060 Portfolio |
VY Invesco Comstock Portfolio |
VY Invesco Equity and Income Portfolio |
Voya Index Solution Income Portfolio |
VY JPMorgan Mid Cap Value Portfolio |
VY Oppenheimer Global Portfolio |
Voya Aggregate Bond Portfolio |
VY Pioneer High Yield Portfolio |
Voya Solution 2015 Portfolio |
F 9808 (Ed. 08/95) | (Page 3 of 4) |
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Voya Solution 2020 Portfolio |
Voya Solution 2025 Portfolio |
Voya Solution 2030 Portfolio |
Voya Solution 2035 Portfolio |
Voya Solution 2040 Portfolio |
Voya Solution 2045 Portfolio |
Voya Solution 2050 Portfolio |
Voya Solution 2055 Portfolio |
Voya Solution 2060 Portfolio |
Voya Solution Moderately Aggressive Portfolio |
Voya Solution Conservative Portfolio |
Voya Solution Balanced Portfolio |
Voya Solution Income Portfolio |
Voya Solution Moderately Conservative Portfolio |
VY T Rowe Price Diversified Mid Cap Growth Portfolio |
VY T. Rowe Price Growth Equity Portfolio |
VY Templeton Foreign Equity Portfolio |
VY Barron Growth Portfolio |
Voya Solution Aggressive Portfolio |
Voya Variable Insurance Trust |
VY Goldman Sachs Bond Portfolio |
Interval Fund |
Voya Senior Income Fund |
Closed-End Funds |
Voya Prime Rate Trust |
Voya Asia Pacific High Dividend Equity Income Fund |
Voya Emerging Markets High Dividend Equity Fund |
Voya Global Advantage and Premium Opportunity Fund |
Voya Global Equity Dividend and Premium Opportunity Fund |
Voya Global Natural Resources Fund |
Voya Infrastructure, Industrials and Materials Fund |
Voya International High Dividend Equity Income Fund |
Voya International Value Equity Fund |
Voya Natural Resources Equity Income Fund |
2. Nothing herein contained shall be held to vary, alter, waive or extend any of the terms, conditions, provisions,agreements or limitations of this policy other than as above stated.
3 This rider shall become effective as of 12:01 a.m. on 03/31/2017 standard time.
F 9808 (Ed. 08/95) | (Page 4 of 4) |
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RIDER NO. 2
To be attached to and form part of Investment Company Bond
No. FS 3147982 06 00
In favor of Voya Family of Funds f/k/a ING Family of Funds
Insuring Agreement L
The attached bond is amended by adding an additional Insuring Agreement as follows:
COMPUTER SYSTEMS
Loss resulting directly from a fraudulent
(1) entry of data into, or
(2) change of data elements or programs within
a Computer System; provided that fraudulent entry or change causes
(a) | Property to be transferred paid or delivered, |
(b) | an account of the Insured, or of its customer, to be added, deleted, debited or credited, or |
(c) | an unauthorized account or a fictitious account to be debited or credited; |
(3) voice instruction or advices having been transmitted to the Insured or its agent(s) by telephone; and provided further, the fraudulent entry or change is made or caused by an individual acting with the manifest intent to:
(i) | cause the Insured or its agent(s) to sustain a loss, and |
(ii) | obtain financial benefit for that individual or for other persons intended by that individual to receive a financial benefit, |
(iii) | and further provided such voice instructions or advices: |
(a) | were made by a person who purported to represent an individual authorized to make such voice instructions or advices; and |
(b) | were electronically recorded by the Insured or its agent(s). |
(4) It shall be a condition to recovery under the Computer Systems Rider that the Insured or its agent(s) shall to the best of their ability electronically record all voice instructions or advices received over the telephone. The Insured or its agent(s) warrant that they shall make their best efforts to maintain the electronic recording system on a continuous basis. Nothing, however, in this Rider shall bar the Insured from recovery where no recording is available because of mechanical failure of the device used in making such recording, or because of failure of the media used to record a conversation from any cause, or error or omission of any Employee(s) or agent(s) of the Insured.
SCHEDULE OF SYSTEMS
Any System Utilized by the Insured
SRF 9808 (Ed. 08/95) | (Page 1 of 3) |
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2. As used in this Rider, Computer System means:
(a) | computers with related peripheral components, including storage components, wherever located, |
(b) | systems and applications software, |
(c) | terminal devices, |
(d) | related communication networks or customer communication systems, and |
(e) | related Electronic Funds Transfer Systems, |
by which data are electronically collected, transmitted, processed, stored, and retrieved.
3. In addition to the exclusion in the attached bond, the following exclusions are applicable to this Insuring Agreement:
(a) | loss resulting directly or indirectly from the theft of confidential information, material or data: and |
(b) | loss resulting directly or indirectly from entries or changes made by an individual authorized to have access to a Computer System who acts in good faith on instructions, unless such instructions are given to that individual by a software contractor (or by a partner, officer or employee thereof) authorized by the Insured to design, develop, prepare, supply service, write or implement programs for the Insureds Computer System. |
4. The following portions of the attached bond are not applicable to this Rider:
(a) | the initial paragraph of the bond preceding the Insuring Agreements which reads ...at |
any time but discovered during the Bond Period.
(b) | Section 9-NON-REDUCTION AND NON-ACCUMULATION OF LIABILITY AND TOTAL LIABILITY |
(c) | Section 10-LIMIT OF LIABILITY |
5. | The coverage afforded by this rider applies only to loss discovered by the Insured during the period this Rider is in force. |
6. All loss or series of losses involving the fraudulent activity of one individual, or involving fraudulent activity in which one individual is implicated, whether or not that individual is specifically identified, shall be treated as one loss. A series of losses involving unidentified individuals but arising from the same method of operation may be deemed by the Underwriter to involve the same individual and in that event shall be treated as one loss.
7. The Limit of Liability for the coverage provided by this Rider shall be $40,000,000.
8. The Underwriter shall be liable hereunder for the amount by which one loss shall be in excess of $25,000 (herein called the Deductible Amount) but not in excess of the Limit of Liability stated above.
9. If any loss is covered under this Insuring Agreement and any other Insuring Agreement or Coverage, the maximum amount payable for such loss shall not exceed the largest amount available under any one Insuring Agreement or Coverage.
10. Coverage under this Rider shall terminate upon termination or cancellation of the bond to which this Rider is attached. Coverage under this rider may also be terminated or cancelled without canceling the bond as an entirety:
(a) | 90 days after receipt by the Insured of written notice from the Underwriter of its desire to terminate or cancel coverage under this Rider, or |
(b) | immediately upon receipt by the Underwriter of a written request from the Insured to terminate or cancel coverage under this Rider. |
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The Underwriter shall refund to the Insured the unearned premium for this coverage under this Rider. The refund shall be computed at short rates if this Rider is terminated or cancelled or reduces by notice from, or at the insistence of the Insured.
11. Section 4-LOSS-NOTICE-PROOF-LEGAL PROCEEDING of the Conditions and Limitations of this bond is amended by adding the following sentence:
Proof of Loss resulting from Voice Instructions or advices covered under this bond shall include Electronic Recording of such Voice Instructions of advices.
12. Notwithstanding the foregoing, however, coverage afforded by this Rider is not designed to provide protection against loss covered under a separate Electronic and Computer Crime Policy by whatever title assigned or by whatever Underwriter written. Any loss which is covered under such separate Policy is excluded from coverage under this bond; and the Insured agrees to make claim for such loss under its separate Policy.
13. | This rider shall become effective as of 12:01 a.m. on 03/31/2017 standard time. |
F.9808 (Ed. 08/95) | (Page 3 of 3) |
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RIDER NO. 3
To be attached to and form part of Investment Company Bond
No. FS 3147982 06 00
In favor of Voya Family of Funds f/k/a ING Family of Funds
Extended Computer Systems Rider
1. Electronic Data, Electronic Media, Electronic Instruction
(1) | Loss resulting directly from: |
(a) | the fraudulent modification of Electronic Data, Electronic Media or Electronic Instruction being stored within or being run within any system covered under this rider, |
(b) | robbery, burglary, larceny or theft of Electronic Data, Electronic Media or Electronic instructions, |
(c) | the acts of a hacker causing damage or destruction of Electronic Data, Electronic Media or Electronic Instruction owned by the Insured or for which the Insured is legally liable, while stored within a Computer System covered under this rider, or |
(d) | The damage or destruction of Electronic Data, electronic Media or Electronic Instruction owned by the Insured or for which the Insured is legally liable while stored within a Computer System covered under Computer Systems Fraud Insuring Agreement (G), provided such damage or destruction was caused by a computer program or similar instruction which was written or altered to intentionally incorporate a hidden instruction designed to damage or destroy Electronic Data, Electronic Media, or Electronic instruction in the Computer System in which the computer program or instruction so written or so altered is used. |
2. Electronic Communication
Loss resulting directly from the Insured having transferred, paid or delivered any funds or property, established any credit, debited any account or given any value on the faith of any electronic communications directed to the Insured, which were transmitted or appear to have been transmitted through:
(a) | an Electronic Communication System, |
(b) | an Automated clearing house or custodian, or |
(c) | a Telex, TWX, or similar means of communication, |
directly into the Insureds Computer System or Communication Terminal, and fraudulently purport to have been sent by a customer, automated clearing house, custodian, or financial institution, but which communications were either not sent by said customer, automated clearing house, custodian, or financial institution, or were fraudulently modified during physical transit of Electronic Media to the Insured or during electronic transmission to the Insureds Computer System or Communication Terminal.
3. Electronic Transmission
SRF 9808 (Ed. 08/95) | (Page 1 of 3) |
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Loss resulting directly from a customer of the Insured, any automated clearing house, custodian, or financial institution having transferred, paid or delivered any funds or property, established any credit, debited any account or given any value on the faith of any electronic communications, purporting to have been directed by the Insured to such customer, automated clearing house, custodian, or financial institution initiating, authorizing, or acknowledging, the transfer, payment, delivery or receipt of funds or property, which communications were transmitted through:
(a) | an Electronic Communication System, |
(b) | an automated clearing house or custodian, or |
(c) | a Telex, TWX, or similar means of communication, |
directly into a Computer System or Communication Terminal of said customer, automated clearing house, custodian, or financial institution, and fraudulently purport to have been directed by the Insured, but which communications were either not sent by the Insured, or were fraudulently modified during physical transit of Electronic Media from the Insured or during electronic transmission from the Insured Computer System or Communication Terminal, and for which loss the Insured is held to be legally liable.
2. In addition to the Conditions and Limitations in the bond, the following, applicable to the Extended Computer Systems Rider, are added:
DEFINITIONS
A. Communication Terminal means a teletype, teleprinter or video display terminal, or similar device capable of sending or receiving information electronically. Communication Terminal does not mean a telephone.
B. Electronic Communication System means electronic communication operations by Fedwire, Clearing House Interbank Payment System (CHIPS), society of Worldwide International Financial Telecommunication (SWIFT), similar automated interbank communication systems, and Internet access facilities.
C. Electronic Data means facts or information converted to a form usable in Computer Systems and which is stored on Electronic Media for use by computer programs.
D. Electronic Instruction means computer programs converted to a form usable in a Computer System to act upon Electronic Data.
E. Electronic Media means the magnetic tape, magnetic disk, optical disk, or any other bulk media on which data is recorded.
EXCLUSIONS
This bond does not cover:
A. loss resulting directly or indirectly from forged, altered or fraudulent negotiable instruments, securities, documents or written instruments used as source documentation in the preparation of Electronic Data:
B. loss of negotiable instruments, securities, documents or written instruments except as converted to Electronic Data and then only in that converted form;
C. loss resulting from mechanical failure, faulty construction, error in design, latent defect, wear or tear, gradual deterioration, electrical disturbance, Electronic Media failure or breakdown or any malfunction or error in programming or error or omission in processing;
F.9808 (Ed. 08/95) | (Page 2 of 3) |
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D. loss resulting directly or indirectly from the input of Electronic Data at an authorized electronic terminal of an Electronic Funds Transfer System or a Customer Communication System by a person who had authorized access from a customer to that customers authentication mechanism;
E.liability assumed by the Insured by agreement under any contract, unless such liability would have attached to the Insured even in the absence of such agreement; or
F. loss resulting directly or indirectly from:
1. written instruction unless covered under this rider; or
2. instruction by voice over the telephone, unless covered under this rider.
SERIES OF LOSSES
All losses or series of losses involving the fraudulent acts of one individual, or involving fraudulent acts in which one individual is implicated, whether or not that individual is specifically identified, shall be treated as a Single Loss and subject to the Single Loss Limit of Liability. A series of losses involving unidentified individuals but arising from the same method of operation shall be deemed to involve the same individual and in that event shall be treated as a Single Loss and subject to the Single Loss Limit of Liability.
VALUATION
Electronic Data, Electronic Media, or Electronic Instruction
In case of loss of, or damage to, Electronic Data, Electronic Media or Electronic Instruction used by the Insured in its business, the Underwriter shall be liable under this bond only if such items are actually reproduced from other Electronic Data, Electronic Media or Electronic Instruction of the same kind or quality and then for not more than the cost of the Blank media and/or the cost of labor for the actual transcription or copying of data which shall have been furnished by the insured in order to reproduce such Electronic Data, Electronic Media or Electronic Instruction subject to the applicable Single Loss Limit of Liability.
However, if such Electronic Data cannot be reproduced and said Electronic Data represents Securities or financial instruments having a value, then the loss will be valued as indicated in the Property other than Money, Securities or Records paragraphs of Section 6.
The title and any headings in this rider are solely for convenience and form no part of the terms and conditions of coverage.
All other terms, conditions and limitations of this bond shall remain unchanged.
3. This rider shall become effective as of 12:01 a.m. on 03/31/2017 standard time.
F.9808 (Ed. 08/95) | (Page 3 of 3) |
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RIDER NO. 4
To be attached to and form part of Investment Company Bond
No. FS 3147982 06 00
In favor of Voya Family of Funds f/k/a ING Family of Funds
Newly Created Investment Companies
1. Item 1. of the Declarations shall include any existing Investment Company or portfolios which are not listed under Rider No. 1 of the attached Bond. It shall also include any Newly Created Investment Company or portfolio provided that the Insured shall submit to the Underwriter following the end of the Bond Period, a list of all Newly Created portfolios and Copies of any prospectuses and statements of additional information relating to such Newly Created Investment Companies or portfolios unless said prospectus and statements of additional information have been previously submitted.
Following the end of the Bond Period, any Newly Created Investment Company or portfolio created during the Period, will continue to be an Insured only if the Underwriter notified as set forth in the paragraph and the information required herein is provided to the Underwriter, and the Underwriter acknowledges the addition of such Newly Created Investment Company or portfolio to the Bond by a Rider of this Bond.
2. It is further agreed that the following definition is added to Section 1. DEFINITIONS.
(g) Newly Created Investment Company or portfolio shall mean any Investment Company or portfolio for which registration with the SEC has been declared.
3. It is agreed that General Agreements A of the Investment
Company Blanket Bond Form - Additional Offices or Employees- Consolidation or Merger - Notice - is amended by adding the following subsection:
(3) | Automatic Increase in Limits for Investment Companies |
If an increase in bonding limits is required pursuant to Rule 17g-1 of the Investment Company Act of 1940 (the Act), due to:
(i) | The creation of a new Investment Company, other than by consolidation or merger with, or purchase or acquisition of assets or liabilities of, another institution; or |
(ii) | An increase in asset size of current Investment Companies covered under this Bond then the minimum required increase in limits shall take place automatically without payment of additional premium for the remainder of the Bond Period. |
4. This rider shall become effective as of 12:01 a.m. on 03/31/2017 standard time.
SRF 9808 (Ed. 08/95) |
(Page 1 of 1) |
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RIDER NO. 5
To be attached to and form part of Investment Company Bond
No. | FS 3147982 06 00 |
In favor of Voya Family of Funds f/k/a ING Family of Funds
Loss Reporting Threshold
The second paragraph of Section 12 - DEDUCTIBLE AMOUNT - is deleted in its entirety and replaced by the following:
1. The Insured shall, in the time and in the manner prescribed in this Bond, give the Underwriter notice of any loss which is in excess of $12,500. Such loss shall be of the kind covered by the terms of this bond, whether or not the Underwriter is liable therefore. Upon the request of the Underwriter, the Insured shall file a brief statement with the Underwriter giving the particulars concerning such loss.
2. Nothing herein contained shall be held to vary, alter, waive or extend any of the terms, conditions, provisions, agreements or limitations of the above mentioned bond, other than as stated herein.
3. This rider shall become effective as of 12:01 a.m. on 03/31/2017 standard time.
SRF 9808 (Ed. 08/95) | (Page 1 of 1) |
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RIDER NO. 6
To be attached to and form part of Investment Company Bond
No. | FS 3147982 06 00 |
In favor of Voya Family of Funds f/k/a ING Family of Funds
Insuring Agreement (F), Counterfeit Currency is deleted in its entirety and replaced by the following:
COUNTERFEIT CURRENCY
(F) Loss resulting directly from the receipt by the Insured, in good faith of any counterfeit money.
2. Nothing herein contained shall be held to vary, alter, waive or extend any of the terms, conditions, provisions, agreements or limitations of the above mentioned bond, other than as stated herein.
3. This rider shall become effective as of 12:01 a.m. on 03/31/2017 standard time.
SRF 9808 (Ed. 08/95) | (Page 1 of 1) |
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RIDER NO. 7
To be attached to and form part of Investment Company Bond
No. | FS 3147982 06 00 |
In favor of Voya Family of Funds f/k/a ING Family of Funds
Amended Definition of Employee
1. Section 1, Definitions, (a) Employee, is Amended by adding the following: after Item 9:
(10) | Ex-Employees up to 60 days after termination, except if terminated for reasons of fraud or dishonesty |
2. This Rider shall become effective as of 12:01 a.m. on 03/31/2017 standard time.
SRF 9808 (Ed. 08/95) | (Page 1 of 1) |
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RIDER NO. 8
To be attached to and form part of Investment Company Bond
No. | FS 3147982 06 00 |
In favor of Voya Family of Funds f/k/a ING Family of Funds
Amended Section 13 - Termination
1. Paragraph 1 of Section 13. Termination, is amended by adding the following after the words D.C. on Line 5 and on Line 9 State of Arkansas, and Midwest Stock Exchange
2. This rider shall become effective as of 12:01 a.m. on 03/31/2017 standard time.
SRF 9808 (Ed. 08/95) | (Page 1 of 1) |
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RIDER NO. 9
To be attached to and form part of Investment Company Bond
No. | FS 3147982 06 00 |
In favor of Voya Family of Funds f/k/a ING Family of Funds
Amended Fidelity
A) Delete Paragraph 2 of Insuring Agreement A, and replace with the following:
Such dishonest or fraudulent acts must be committed by the Employee with the manifest intent:
(a) | to cause the Insured to sustain such loss, or |
(b) | to obtain financial benefit for the Employee or another person or entity. |
Notwithstanding the foregoing, it is agreed that with regard to Loans and/or Trading this bond covers only loss resulting directly from dishonest or fraudulent acts committed by an Employee with the manifest intent to cause the Insured to sustain such loss and which results in a financial benefit for the Employee. However, where the proceeds of a dishonest or fraudulent act committed by an Employee arising from Loans and/or Trading are actually received by persons with whom the Employee was acting in collusion, but said Employee fails to derive a financial benefit therefrom, such a loss will nevertheless be covered hereunder as if the Employee had obtained such benefit provided the Insured establishes that the Employee intended to participate therein.
The term Trading as used in this Insuring Agreement shall be deemed to mean buying or selling or other dealings in securities, commodities, futures, options, foreign or federal funds, currencies, foreign exchange and the like.
The term Loan as used in this Insuring Agreement shall be deemed to mean all extensions of credit by the Insured and all transactions creating a creditor relationship in favor of the Insured and all transactions by which the Insured assumes an existing creditor relationship.
B) It is agreed that the following paragraph is added after the second paragraph of Insuring Agreement (A) Fidelity:
Loss resulting directly from the malicious destruction of or the malicious damage of Property, Electronic Data or Electronic Data Processing Media committed by an Employee, whether committed alone or in collusion with others, which acts are committed with the manifest intent to cause the Insured to sustain a loss..
This rider shall become effective as of 12:01 a.m. on 03/31/2017 standard time.
SRF 9808 (Ed. 08/95) | (Page 1 of 1) |
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RIDER NO. 10
To be attached to and form part of Investment Company Bond
No. | FS 3147982 06 00 |
In favor of Voya Family of Funds f/k/a ING Family of Funds
Amended Section 4, Loss-Notice-Proof-Legal Proceedings
1. | Section 4. Loss-Notice-Proof - Legal Proceedings, is amended by the following: |
(a) | Paragraph 1, Sentence 2, Line 3, the word Insured is replaced by the wordsby the Risk Management Department , Office of the General Counsel, or Senior Vice President or above of the Insured. | |
(b) | Paragraph 2, Line 1, the word Insured is replaced by the words by the Risk Management Department , Office of the General Counsel, or Senior Vice President or above of the Insured. |
2. | This rider shall become effective as of 12:01 a.m. on 03/31/2017 standard time. |
SRF 9808 (Ed. 08/95) | (Page 1 of 1) |
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RIDER NO. 11
To be attached to and form part of Investment Company Bond
No. | FS 3147982 06 00 |
In favor of Voya Family of Funds f/k/a ING Family of Funds
Confidential Information and Data Breach
1. CONDITIONS AND LIMITATIONS, Section 2. Exclusions is amended to include:
Confidential Information:
Loss resulting from:
a) | Theft, disappearance, destruction or disclosure of the confidential or personal information of the Insured or another person or entity for which the Insured is legally liable including, but not limited to patents, trade secrets, personal information, processing methods, customer lists, financial information, credit card information, intellectual property, health information, or any other type of non-public information. |
For purposes of coverage that may be attached to the Bond by Rider which pertains to Computer Systems, confidential information cannot be Properly transferred. A loss otherwise covered under the Computer Systems Rider (if attached) shall not be excluded by the fact that confidential information was used to gain access to your computer system or to the computer system of your financial institution in order to cause the fraudulent transfer.
b) | The use of another persons or entitys confidential or personal information, including but not limited to, financial information, credit card information, health information or any other type of non-public information. |
Data Breach Costs:
Loss resulting from fees, costs, fines, penalties and other expenses which are related to the access or disclosure of another persons or entitys confidential information, and the obligations of the Insured to comply with federal and state privacy laws and Payment Card Industry Data Security Standards (if applicable) arising from a data security breach, including, but not limited to, expenses related to notifying affected individuals when affected individuals financial information, credit card information, health information or other type of non-public information was stolen, accessed, downloaded or misappropriated while in the care, custody or control of the Insured.
2. Nothing herein contained shall be held to vary, alter, waive, or extend any of the terms, conditions and limitations, or provisions of the attached Bond other than as above stated.
3. This Rider shall become effective as of 12:01 a.m. on 10/01/2015 standard time.
SRF 9808 (Ed. 08/95) | (Page 1 of 1) |
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RIDER NO. 12
To be attached to and form part of Investment Company Bond
No. | FS 3147982 06 00 |
In favor of Voya Family of Funds f/k/a ING Family of Funds
The attached bond is amended by adding an additional Insuring Agreement as follows:
AUTOMATED PHONE SYSTEMS
1. Loss caused by an Automated Phone System (APS) Transaction, where the request for such APS Transaction is unauthorized or fraudulent and is made with the manifest intent to deceive; provided, that the entity which receives such request generally maintains and follows during the bond Period all APS Designated Procedures with respect to APS Transaction. The unintentional isolated failure of such entity to maintain and follow a particular APS Designated Procedure in a particular APS Designated Procedure in a particular instance shall not preclude coverage under this Insuring Agreement, subject to the exclusions herein and in the Bond.
1. Definitions. The following terms used in this Insuring Agreement shall have the following meanings:
a. | APS Transaction means any APS Redemption, APS Exchange or APS Election. |
b. | APS Redemption means any redemption of shares issued by an Investment Company which is requested over the telephone by means of information transmitted by an individual caller through use of a telephone keypad. |
c. | APS Election means any election concerning dividend options available to Fund shareholders which is made over the telephone by means of information transmitted by an individual caller through use of a telephone keypad. |
d. | APS Exchange means any exchange of shares in a registered account of one Fund into shares in an identically registered account of another Fund in the same complex pursuant to exchange privileges of the two Funds, which exchange is requested over the telephone by means of information transmitted by an individual caller through use of a telephone keypad. |
e. | APS Designated Procedures means all of the following procedures: |
(1) | Election in Application: No APS Redemption shall be executed unless the shareholder to whose account such an APS Redemption relates has previously elected by Official Designation to permit such APS Redemption. |
(2) | Logging: All APS Transaction requests shall be logged or otherwise recorded, so as to preserve all of the information transmitted by an individual caller through use of telephone keypad in the course of such a request, and the records shall be retained for at least six months. |
(a) | Information contained in the records shall be capable of being retrieved through the following methods: audio tape and or transactions stored on computer disks |
(b) | Information contained in the records shall be capable of being retrieved and produced |
SRF 9808 (Ed. 08/95) | (Page 1 of 3) |
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within a reasonable time after retrieval of specific information is requested, at a success rate of no less than 85 percent. |
(3) | Identity Test: The identity of the caller in any request for an APS Transaction shall be tested before executing that APS Transaction by requiring the entry by the caller of a confidential personal identification number (PIN) |
(a) | Limited Attempts to Enter PIN: IF the caller fails to enter a correct PIN within three attempts, the caller must not be allowed additional attempts during the same (telephone call/twenty-four hour day) to enter the PIN. The caller may either be instructed to redial a customer service representative or may be immediately connected to such a representative. |
(4) | Written Confirmation: A written confirmation of any APS Transaction shall be mailed to the shareholder(s) to whose account such APS Transaction relates, at the original record address, by the end of the Insureds next regular processing cycle, but in no event later than five business days following such APS Transaction. |
(5) | Access to APS Equipment: Access to the equipment which permits the entity receiving the APS Transaction request to process and effect the transaction shall be limited in the following manner: |
All Associates designated by Voya within the BNY Mellon call center.
2. Exclusions: It is further understood and agreed that this extension shall not cover:
a. | Any loss covered under Insuring Agreement A. Fidelity, of this Bond; |
(1) | The redemption of shares, where the proceeds of such redemption are made payable to other-than |
(i) | the shareholder of record, or |
(ii) | a person officially Designated to receive redemption proceeds, or |
(iii) | a bank account officially Designated to receive redemption proceeds or |
(2) The redemption of shares, where the proceeds of such redemption are paid by check mailed to any address, unless such address has either been
(I) | designated by voice over the telephone or in writing without a signature guarantee, in either case at least thirty(30) days prior to such redemption, or |
(ii) | officially Designated, or |
(iii) | verified by any other procedures which may be stated below in this Rider, or |
(3) | The redemption of shares, where the proceeds of such redemption are paid by wire transfer to other than the shareholders officially Designated bank account, or |
(4) | the Intentional failure to adhere to one or more APS Designated Procedures. |
2. Nothing herein contained shall be held to vary, alter, waive, or extend any of the terms, limitations, conditions, or provisions of the attached bond other than above stated.
F.9808 (Ed. 08/95) | (Page 2 of 3) |
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3. This rider shall become effective as of 12:01 a.m. on 03/31/2017 standard time.
F.9808 (Ed. 08/95) | (Page 3 of 3) |
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FI 75 16 (Ed. 11/16) |
RIDER NO. 13
(N) FRAUDULENT TRANSFER INSTRUCTIONS
To be attached to and form part of the INVESTMENT COMPANY BOND
Bond No. | FS 3147982 06 00 | |
in favor of | Voya Family of Funds f/k/a ING Family of Funds |
1. | It is agreed that the following Insuring Agreement is added to the above Bond: |
Loss resulting directly from the Insured having, in good faith, transferred Money on deposit in a Customers account, or a Customers Certificated Securities, in reliance upon a fraudulent Instruction transmitted to the Insured via electronic mail; provided, however that
(1) | The fraudulent instruction purports, and reasonably appears, to have originated from: |
(a) | such Customer, |
(b) | an Employee acting on instructions of such Customer; or |
(c) | another financial institution acting on behalf of such Customer with authority to make such instructions; and |
(2) | The sender of the fraudulent instruction verified the instruction with the password, PIN, or other security code of such Customer; and |
(3) | The sender was not, in fact, such Customer, was not authorized to act on behalf of such Customer, and was not an Employee of the Insured; and |
(4) | The instruction was received by an Employee of the Insured specifically authorized by the Insured to receive and act upon such instructions; and |
(5) | For any transfer exceeding the amount set forth in item 7 of this Rider, the Insured verified the instruction via a call back to a predetermined telephone number set forth in the Insureds written agreement with such Customer or other verification procedure approved in writing by the Underwriter; and |
(6) | The Insured preserved a contemporaneous record of the call back, if any, and of the instruction which verifies use of the authorized password, PIN or other security code of the Customer. |
2. | As used in this Rider, Customer means a natural person or entity which has a written agreement with the Insured authorizing the Insured to transfer Money on deposit in an account or Certificated Securities in reliance upon instructions transmitted to the Insured via the means utilized to transmit the fraudulent instruction. |
3. | It shall be a condition precedent to coverage under this Insuring Agreement that the Insured assert any available claims, offsets or defenses against such Customer, any financial institution or any other party to the transaction. |
FI 75 16 (Ed. 11/16) | (Page 1 of 2) |
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4. | The following additional Exclusions are added to the Bond applicable only to this Insuring Agreement: |
(a) | loss resulting directly or indirectly from the fraudulent instruction if the sender, or anyone acting in collusion with the sender, ever had authorized access to such Customers password, PIN or other security code; and |
(b) | loss resulting directly or indirectly from the fraudulent alteration of an instruction to initiate an automated clearing house (ACH) entry, or group of ACH entries, transmitted as an electronic message, or as an attachment to an electronic message, sent via the Internet, unless: |
(1) | each ACH entry was individually verified via the call back procedure without regard to the amount of the entry; or |
(2) | the instruction was formatted, encoded or encrypted so that any alteration in the ACH entry or group of ACH entries would be apparent to the Insured. |
5. | For purposes of this Insuring Agreement, all loss or losses involving one natural person or entity, or one group of natural persons or entities acting together, shall be a Single Loss without regard to the number of transfers or the number of instructions involved. A series of losses involving unidentified natural persons or entities but arising from the same method of operation shall be deemed to involve the same natural person or entity and shall be treated as Single Loss. |
6. | The Limit of Liability and Deductible amount applicable to loss under this Insuring Agreement is as stated in the Declarations of the attached bond. |
7. | The amount of any single transfer for which verification via a call back will be required is : $ 5,000. |
8. | Nothing herein contained shall be held to vary, alter, waive, or extend any of the terms, conditions, provisions, agreements, or limitations of the above mentioned bond other than as stated herein. |
9. | This rider shall become effective as of 12:01 a.m. on 03/31/2017 standard time. |
FI 75 16 (Ed. 11/16) | (Page 2 of 2) |
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RIDER NO. 14
To be attached to and form part of Investment Company Bond
No. FS 3147982 06 00
In favor of Voya Family of Funds f/k/a ING Family of Funds
Named Insured Rider
1 | At the request of the Insured, the Company adds to the list of Insured under the attached policy the following: |
Voya Investments Distributor LLC
2. | Nothing herein contained shall be held to vary, alter, waive, or extend any of the terms, limitations, conditions, or provisions of the attached bond other than above stated. |
3. | This rider shall become effective as of 12:01 a.m. on 03/31/2017 standard time. |
SRF 9808 (Ed. 08/95) | (Page 1 of 1) |
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FI 73 40 (Ed. 08/15) |
THIS RIDER CHANGES YOUR BOND. PLEASE READ IT CAREFULLY.
ECONOMIC AND TRADE SANCTIONS CLAUSE
This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance.
FI 73 40 (Ed. 08/15) |
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FI 73 41 (Ed. 08/15) |
In Witness Clause
In Witness Whereof, we have caused this Financial Institution Bond to be executed and attested, and, if required by state law, this Financial Institution Bond shall not be valid unless countersigned by our authorized representative.
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PRESIDENT | SECRETARY |
Copyright Great American Insurance Co., 2009 | ||||
FI 73 41 (Ed. 08/15) |