Monthly Registered Fund Performance Summary As of February 28, 2019

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1 Monthly Registered Performance Summary As of February 28, 2019 This report shows the actual investment performance of the s available with NYLIAC s retail variable universal life insurance products. These performance figures reflect investment management fees and direct operating expenses of the Investment Divisions. They do not reflect administrative costs, cost of insurance, and other policy charges (see the prospectus for details.) If these charges were applied, the returns would be lower. Consequently, the returns shown are greater than actual returns that would have been received under the policy during the periods shown. Policy fees and expenses vary by product. We recommend that you obtain a personalized illustration from your registered representative which takes into account the amount of insurance purchased, complete fees and charges under your specific policy, gender, age and underwriting classification. Performance data shown represents past performance and is not a guarantee of future results. Due to market volatility, current performance may be more or less than the figures shown. These rates of return are not an estimate or guarantee of future performance. Your policy and the actual investment return of the subaccounts will fluctuate in response to market conditions and the specific Investment Divisions you choose. The advisors to some of the Investment Divisions have assumed or reduced some of those Investment Division s fees and expenses. Had these expenses not been assumed or reduced, the total returns for these Investment Divisions would have been lower. Policyowners may invest in one or more of the s. Each Investment Division has its own investment objective, which will affect its return and its risk. The Investment Divisions offered through a NYLIAC variable universal life insurance product are different from mutual funds that may have similar names but are available directly to the public. Investment results will vary. Availability of Investment Divisions will differ for the various products. Please refer to your product prospectus for Investment Division availability. An investment in the MainStay VP U.S. Government Money Market Investment Division is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the MainStay VP U.S. Government Money Market Investment Division seeks to preserve the value of your investment at $1.00 per unit, it is possible to lose money. The current yield more closely reflects the Investment Division's earnings than the total return figures shown. Investments in equities are subject to the risk of loss due to changing economic, stock market, industry and company conditions. Stock prices have been volatile historically. Fixed-income securities fluctuate in value in response to changes in interest rates, and lower-rated fixed income securities involve greater credit risk and may be speculative. Non-US securities have been volatile and involve special currency fluctuation risks and risks related to political and economic events. Any investment division concentrated in commodity investments or economic sectors will tend to be more volatile. MainStay VP S&P 500 Index - The S&P 500 Index is an unmanaged index and is widely regarded as the standard for measuring Large Cap U.S. stock market performance. "S&P 500" is a trademark of the McGraw-Hill Companies, Inc. and has been licensed for use by the MainStay VP S&P 500 Index. The MainStay VP S&P 500 Index is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard and Poor's makes no representation regarding the advisability of investing in the MainStay VP S&P 500 Index. Investors cannot directly purchase an index. For more information, you should refer to your product and fund prospectuses or visit Policyowners are asked to consider the investment objectives, risks, charges, and expenses of the investment carefully before investing. Both the product prospectus and the underlying fund prospectuses contain this and other information about the product and underlying investment options. Please read the prospectuses carefully before investing. In Oregon, the policy form numbers are as follows: New York Life Variable Universal Life Accumulator II: ICC , New York Life Variable Universal Life Accumulator Plus: ICC , New York Life Variable Universal Life Accumulator: , New York Life Survivorship Variable Universal Life Accumulator: , Legacy Creator SPVUL: , VUL Provider: & , VUL 2000: , VUL: , SVUL: and SPVUL: Page 1

2 Risk ID Low High Average Annual Total Rates of Return: Updated Monthly Through February 28, MainStay VP U.S. Government Money Market Initial Class 1/29/ % 0.32% 1.56% 0.71% 0.43% 0.22% 2.34% 178 PIMCO VIT Low Duration Institutional Class 4/10/ % 0.97% 1.75% 1.61% 1.03% 3.32% 3.67% 145 MainStay VP Balanced Initial Class 5/2/ % 8.64% 2.90% 7.89% 5.33% 11.35% 6.36% 107 MainStay VP Bond Initial Class 1/23/ % 1.40% 2.51% 2.05% 2.32% 4.01% 6.83% 148 MainStay VP Conservative Allocation Initial Class 2/13/ % 6.32% 0.28% 6.52% 3.50% 8.50% 5.52% 144 MainStay VP Floating Rate Initial Class 5/2/ % 4.19% 3.06% 5.70% 3.38% 6.08% 3.83% 106 MainStay VP Income Builder Initial Class 1/29/ % 5.98% 3.40% 8.05% 4.82% 10.76% 7.10% 186 MainStay VP Indexed Bond Initial Class 5/1/ % 1.02% 2.66% 0.96% 192 MainStay VP IQ Hedge Multi Strategy Initial Class 5/1/ % 3.51% 1.22% 0.56% 5.04% 2.37% 159 MainStay VP Janus Henderson Balanced Initial Class 9/13/ % 7.03% 5.74% 11.61% 7.45% 11.26% 9.77% 119 MainStay VP MacKay Convertible Initial Class 10/1/ % 11.59% 6.71% 13.29% 7.12% 12.91% 8.09% 103 MainStay VP MacKay Government Initial Class 1/29/ % 0.55% 2.30% 0.66% 1.44% 2.44% 4.49% 110 MainStay VP MacKay High Yield Corporate Bond Initial Class 5/1/ % 5.21% 3.81% 9.26% 4.71% 9.97% 7.99% 156 MainStay VP MacKay Unconstrained Bond Initial Class 4/29/ % 2.66% 1.78% 4.92% 2.25% 3.71% 149 MainStay VP Moderate Allocation Initial Class 2/13/ % 8.24% 0.57% 8.40% 4.29% 10.11% 5.94% 162 MainStay VP PIMCO Real Return Initial Class 9/30/ % 1.99% 1.21% 2.20% 1.05% 4.20% 5.44% 191 American s IS Asset Allocation Class 2 8/1/ % 7.87% 2.43% 10.64% 6.85% 12.26% 7.13% 157 BlackRock Global Allocation V.I. Class III 11/18/ % 6.41% 2.12% 6.73% 3.03% 7.67% 6.94% 173 BlackRock High Yield V.I. Class I 4/20/ % 6.35% 3.77% 7.97% 3.88% 11.13% 8.77% 177 Columbia Variable Emerging Markets Bond Class 1 3 4/30/ % 6.22% 0.28% 6.93% 4.14% 3.66% 179 DWS Alternative Asset Allocation VIP Class A 2/2/ % 6.94% 2.60% 3.64% 0.81% 5.54% 4.98% 339 Fidelity VIP Freedom 2020 Initial Class 4/26/ % 6.94% 0.90% 9.27% 5.11% 10.97% 6.26% 340 Fidelity VIP Freedom 2030 Initial Class 4/26/ % 8.92% 0.39% 11.40% 5.98% 12.72% 6.89% 171 PIMCO VIT International Bond (US Dollar Hedged) Institutional Class 4/10/ % 1.66% 3.62% 3.96% 4.53% 6.63% 5.62% 344 PIMCO VIT Total Return Institutional Class 4/10/ % 1.57% 2.81% 2.79% 2.42% 4.71% 5.47% 164 MainStay VP Eagle Small Cap Growth Initial Class 2/17/ % 19.51% 7.00% 18.46% 7.57% 10.00% 121 MainStay VP Epoch U.S. Equity Yield Initial Class 5/1/ % 9.79% 6.68% 12.11% 6.37% 13.98% 5.69% 124 MainStay VP Epoch U.S. Small Cap Initial Class 5/1/ % 15.25% 0.09% 11.35% 5.83% 14.81% 5.52% 160 MainStay VP Fidelity Institutional AM SM Utilitites Initial Class 1/3/ % 7.58% 13.61% 11.98% 5.33% 12.77% 11.18% 151 MainStay VP Growth Allocation Initial Class 2/13/ % 12.03% 2.40% 11.88% 5.39% 12.92% 6.22% 122 MainStay VP Large Cap Growth Initial Class 5/1/ % 14.69% 10.01% 19.79% 11.92% 17.29% 7.97% 108 MainStay VP MacKay Common Stock Initial Class 1/23/ % 11.07% 3.02% 14.08% 9.92% 15.96% 9.73% 104 MainStay VP MacKay Growth Initial Class 4 1/29/ % 12.09% 3.09% 16.60% 9.15% 13.97% 7.42% 109 MainStay VP MacKay International Equity Initial Class 5/1/ % 8.34% 3.10% 9.70% 4.34% 7.87% 6.01% 136 MainStay VP MacKay Mid Cap Core Initial Class 7/2/ % 14.42% 2.46% 11.96% 7.51% 16.91% 8.78% 105 MainStay VP MacKay S&P 500 Index Initial Class 1/29/ % 11.45% 4.55% 15.01% 10.38% 16.36% 9.18% 180 MainStay VP MacKay Small Cap Core Initial Class 5/2/ % 16.58% 1.11% 11.00% 150 MainStay VP Moderate Growth Allocation Initial Class 2/13/ % 10.48% 1.39% 10.45% 4.93% 11.85% 6.32% 161 MainStay VP T.Rowe Price Equity Income Initial Class 4 3/31/ % 10.46% 0.06% 13.09% 6.88% 14.70% 9.23% 152 AB VPS Small/Mid Cap Value Class A 5/2/ % 14.24% 0.55% 12.98% 7.01% 17.23% 10.00% 188 American s IS Blue Chip Income and Growth Class 2 3 7/5/ % 8.01% 1.94% 11.77% 8.65% 15.17% 6.05% 174 American s IS Global Small Capitalization SM Class 2 3 4/30/ % 13.94% 1.35% 13.37% 4.68% 13.65% 9.07% 187 American s IS Growth Class 2 3 2/8/ % 11.80% 6.00% 19.67% 12.13% 17.62% 10.88% 185 ClearBridge Variable Appreciation Class I 10/16/ % 8.90% 6.24% 13.47% 9.55% 14.85% 8.87% 175 Columbia Variable Product Commodity Strategy Class 1 3 4/30/ % 6.14% 8.77% 2.73% 9.42% 8.43% 323 Delaware VIP Small Cap Value Series Standard Class 12/27/ % 16.54% 0.28% 14.61% 6.90% 16.80% 10.56% 310 DWS Small Cap Index VIP Class A 8/22/ % 17.03% 5.39% 16.42% 7.13% 16.32% 7.40% 153 DWS Small Mid Cap Value VIP Class A 5/1/ % 14.91% 0.79% 10.10% 5.06% 14.10% 8.31% 138 Dreyfus IP Technology Growth Initial Shares 8/31/ % 15.12% 3.13% 23.12% 12.66% 19.84% 5.53% 115 Fidelity VIP Contrafund SM Initial Class 1/3/ % 12.32% 2.85% 14.41% 8.83% 16.04% 10.92% 113 Fidelity VIP Equity Income Initial Class 10/9/ % 10.28% 2.54% 12.09% 7.02% 15.08% 9.00% 341 Fidelity VIP Freedom 2040 Initial Class 4/8/ % 11.00% 0.34% 12.41% 6.38% 12.51% 342 Fidelity VIP Growth Opportunities Initial Class 1/3/ % 18.05% 25.32% 26.08% 14.78% 21.74% 9.21% 202 Fidelity VIP Mid Cap Initial Class 12/28/ % 15.08% 3.21% 12.84% 6.54% 14.83% 12.22% 316 Invesco V.I. American Value Series I 1/2/ % 16.31% 0.56% 12.29% 4.86% 15.44% 9.41% 154 Invesco V.I. International Growth Series I 5/5/ % 11.73% 4.42% 7.11% 2.58% 9.65% 6.84% 206 Janus Henderson VIT Enterprise Institutional Shares 3 9/13/ % 17.29% 11.78% 20.47% 13.70% 20.25% 11.23% 117 Janus Henderson VIT Global Research Institutional Shares 9/13/ % 12.29% 3.56% 14.35% 6.83% 13.48% 8.22% 195 LVIP SSgA International Index Standard Class 5/1/ % 9.06% 5.75% 9.15% 1.69% 9.21% 1.20% 194 LVIP SSgA Mid Cap Index Standard Class 9/2/ % 15.09% 3.78% 14.15% 7.85% 324 MFS International Value Initial Class 10/2/ % 9.03% 0.28% 10.73% 6.77% 13.66% 8.47% 125 MFS Investors Trust Series Initial Class 10/9/ % 11.98% 4.00% 14.71% 9.23% 15.03% 8.12% 216 MFS New Discovery Series Initial Class 5/1/ % 20.56% 16.07% 22.93% 8.62% 19.61% 9.06% 126 MFS Research Series Initial Class 7/26/ % 12.52% 5.07% 15.21% 9.54% 16.05% 8.30% 207 Neuberger Berman AMT Mid Cap Growth Class I 11/3/ % 17.97% 6.62% 16.99% 8.74% 16.40% 9.32% Page 2

3 Risk ID Average Annual Total Rates of Return: Updated Monthly Through February 28, MainStay VP Cushing Renaissance Advantage Initial Class 5/1/ % 14.91% 10.06% 7.13% 3.21% 163 MainStay VP Emerging Markets Equity Initial Class 4 2/17/ % 9.48% 15.33% 13.06% 0.46% 0.97% 158 MainStay VP Mellon Natural Resources Initial Class 8/31/ % 9.95% 17.43% 3.94% 9.91% 2.25% 5.19% 172 American s IS New World Class 2 6/17/ % 11.21% 6.35% 12.14% 3.25% 9.81% 7.76% 322 Delaware VIP Emerging Markets Series Standard Class 5/1/ % 10.56% 9.20% 16.45% 4.18% 11.31% 7.31% 190 Fidelity VIP Emerging Markets Initial Class 1/23/ % 11.66% 9.82% 14.63% 5.30% 10.95% 1.83% 212 Morgan Stanely VIF U.S. Real Estate Class I 3/3/ % 12.70% 16.63% 6.03% 6.96% 16.78% 9.41% Fixed income securities fluctuate in value in response to interest rate changes, with high yield bonds being both speculative and potentially more volatile. Equity securities have been volatile historically. The securities of non US issuers are subject to currency fluctuation risks, risks of political and economic instability, and they can be volatile. Highest 1 VUL, VUL 2000, VUL Provider, SPVUL, SVUL, VUL Accumulator, VUL Accumulator Plus, VUL Accumulator II, SVUL Accumulator and Legacy Creator SPVUL. 2 The Date is the date the underlying portfolio was established, not the date the portfolio was added as an Investment Division to the NYLIAC Separate Account. 3 These funds are not available on NYLIAC Single Premium Variable Universal Life and New York Life Legacy Creator Single Premium Variable Universal Life products. 4 Premiums or transfers will not be accepted into this Investment Division on or after 11/13/2017 if you did not have Cash Value in this Investment Division prior to 11/13/2017. If you remove all of your Cash Value from this Investment Division on or after 11/13/2017, you will not be allowed to reinvest in this Investment Division. 5 MainStay VP Absolute Return Multi Strategy Initial Class (167) was merged into MainStay VP IQ Hedge Multi Strategy Initial Class (192), effective 11/30/2018 Page 3

4 Risk Low High Average Annual Total Rates of Return: Updated Quarterly Through December 31, 2018 ID 102 MainStay VP U.S. Government Money Market Initial Class 1/29/ % 1.38% 1.38% 0.61% 0.37% 0.19% 2.34% 178 PIMCO VIT Low Duration Institutional Class 4/10/ % 0.49% 0.49% 1.18% 1.00% 3.05% 3.65% 145 MainStay VP Balanced Initial Class 5/2/ % 7.36% 7.36% 3.96% 3.95% 9.10% 5.80% 107 MainStay VP Bond Initial Class 1/23/ % 1.00% 1.00% 2.10% 2.45% 3.76% 6.82% 148 MainStay VP Conservative Allocation Initial Class 2/13/ % 6.47% 6.47% 3.30% 2.54% 7.17% 5.09% 144 MainStay VP Floating Rate Initial Class 5/2/ % 0.11% 0.11% 4.05% 2.67% 6.53% 3.56% 106 MainStay VP Income Builder Initial Class 1/29/ % 5.21% 5.21% 5.25% 3.99% 9.35% 6.91% 186 MainStay VP Indexed Bond Initial Class 5/1/ % 0.67% 0.67% 0.44% 192 MainStay VP IQ Hedge Multi Strategy Initial Class 5/1/ % 6.88% 6.88% 2.40% 5.52% 3.03% 159 MainStay VP Janus Henderson Balanced Initial Class 9/13/ % 0.42% 0.42% 7.56% 6.37% 9.89% 9.54% 119 MainStay VP MacKay Convertible Initial Class 10/1/ % 2.27% 2.27% 7.05% 5.50% 11.36% 7.62% 103 MainStay VP MacKay Government Initial Class 1/29/ % 0.06% 0.06% 1.04% 1.64% 2.24% 4.49% 110 MainStay VP MacKay High Yield Corporate Bond Initial Class 5/1/ % 1.46% 1.46% 6.97% 4.16% 9.75% 7.81% 156 MainStay VP MacKay Unconstrained Bond Initial Class 4/29/ % 1.21% 1.21% 3.64% 2.05% 3.43% 149 MainStay VP Moderate Allocation Initial Class 2/13/ % 8.40% 8.40% 3.87% 2.90% 8.17% 5.37% 162 MainStay VP PIMCO Real Return Initial Class 9/30/ % 2.56% 2.56% 2.00% 1.21% 4.04% 5.38% 191 American s IS Asset Allocation Class 2 8/1/ % 4.60% 4.60% 6.65% 5.33% 10.16% 6.81% 157 BlackRock Global Allocation V.I. Class III 11/18/ % 7.58% 7.58% 2.94% 1.94% 5.88% 6.57% 173 BlackRock High Yield V.I. Class I 4/20/ % 2.62% 2.62% 5.68% 3.20% 10.79% 8.63% 177 Columbia Variable Emerging Markets Bond Class 1 3 4/30/ % 7.04% 7.04% 5.00% 3.13% 2.82% 179 DWS Alternative Asset Allocation VIP Class A 2/2/ % 9.14% 9.14% 0.91% 0.07% 4.36% 339 Fidelity VIP Freedom 2020 Initial Class 4/26/ % 5.86% 5.86% 5.22% 4.02% 8.88% 5.82% 340 Fidelity VIP Freedom 2030 Initial Class 4/26/ % 7.78% 7.78% 5.95% 4.48% 10.05% 6.30% 171 PIMCO VIT International Bond (US Dollar Hedged) Institutional Class 4/10/ % 2.27% 2.27% 3.93% 4.65% 6.55% 5.58% 344 PIMCO VIT Total Return Institutional Class 4/10/ % 0.38% 0.38% 2.48% 2.49% 4.57% 5.43% 164 MainStay VP Eagle Small Cap Growth Initial Class 2/17/ % 8.88% 8.88% 7.18% 4.58% 7.43% 121 MainStay VP Epoch U.S. Equity Yield Initial Class 5/1/ % 5.23% 5.23% 5.66% 4.33% 10.86% 5.26% 124 MainStay VP Epoch U.S. Small Cap Initial Class 5/1/ % 16.07% 16.07% 4.13% 2.96% 11.93% 4.84% 151 MainStay VP Growth Allocation Initial Class 2/13/ % 12.78% 12.78% 4.80% 3.18% 9.74% 5.37% 122 MainStay VP Large Cap Growth Initial Class 5/1/ % 3.57% 3.57% 10.25% 9.50% 14.70% 7.32% 108 MainStay VP MacKay Common Stock Initial Class 1/23/ % 5.84% 5.84% 8.07% 7.83% 12.44% 9.45% 104 MainStay VP MacKay Growth Initial Class 4 1/29/ % 4.24% 4.24% 7.83% 6.95% 11.53% 7.00% 109 MainStay VP MacKay International Equity Initial Class 5/1/ % 11.56% 11.56% 3.69% 2.88% 5.24% 5.69% 136 MainStay VP MacKay Mid Cap Core Initial Class 7/2/ % 11.98% 11.98% 5.25% 5.14% 13.43% 8.03% 105 MainStay VP MacKay S&P 500 Index Initial Class 1/29/ % 4.52% 4.52% 9.00% 8.21% 12.83% 8.78% 180 MainStay VP MacKay Small Cap Core Initial Class 5/2/ % 15.11% 15.11% 5.46% 160 MainStay VP Fidelity Institutional AM SM Utilitites Initial Class 1/3/ % 10.73% 10.73% 4.43% 3.07% 9.31% 5.58% 150 MainStay VP Moderate Growth Allocation Initial Class 2/13/ % 9.38% 9.38% 7.76% 4.67% 10.66% 8.85% 161 MainStay VP T.Rowe Price Equity Income Initial Class 4 3/31/ % 15.03% 15.03% 6.34% 4.42% 12.95% 9.27% 152 AB VPS Small/Mid Cap Value Class A 5/2/ % 8.66% 8.66% 8.26% 7.28% 11.86% 5.64% 188 American s IS Blue Chip Income and Growth Class 2 3 7/5/ % 10.55% 10.55% 4.76% 3.32% 11.04% 8.46% 174 American s IS Global Small Capitalization SM Class 2 3 4/30/ % 0.25% 0.25% 11.90% 10.19% 14.72% 10.39% 187 American s IS Growth Class 2 3 2/8/ % 1.74% 1.74% 8.84% 7.77% 11.95% 8.58% 185 ClearBridge Variable Appreciation Class I 10/16/ % 13.77% 13.77% 0.32% 9.83% 9.62% 175 Columbia Variable Product Commodity Strategy Class 1 3 4/30/ % 16.72% 16.72% 7.04% 4.01% 12.28% 9.95% 323 Delaware VIP Small Cap Value Series Standard Class 12/27/ % 11.23% 11.23% 7.09% 4.18% 11.71% 6.67% 310 DWS Small Cap Index VIP Class A 8/22/ % 16.01% 16.01% 2.76% 2.35% 9.99% 7.71% 153 DWS Small Mid Cap Value VIP Class A 5/1/ % 0.98% 0.98% 13.94% 10.90% 17.14% 4.81% 138 Dreyfus IP Technology Growth Initial Shares 8/31/ % 6.38% 6.38% 7.22% 6.79% 12.65% 10.46% 115 Fidelity VIP Contrafund SM Initial Class 1/3/ % 8.29% 8.29% 6.91% 4.99% 11.25% 8.71% 113 Fidelity VIP Equity Income Initial Class 10/9/ % 9.88% 9.88% 5.97% 4.48% 11.53% 341 Fidelity VIP Freedom 2040 Initial Class 4/8/ % 12.46% 12.46% 14.92% 12.45% 18.53% 8.53% 342 Fidelity VIP Growth Opportunities Initial Class 1/3/ % 14.54% 14.54% 5.03% 3.96% 11.85% 11.54% 302 Fidelity VIP Mid Cap Initial Class 12/28/ % 12.65% 12.65% 3.52% 2.04% 11.59% 8.74% 316 Invesco V.I. American Value Series I 1/2/ % 14.98% 14.98% 1.35% 0.40% 7.16% 6.43% 154 Invesco V.I. International Growth Series I 5/5/ % 0.41% 0.41% 12.55% 10.79% 16.63% 10.61% 206 Janus Henderson VIT Enterprise Institutional Shares 3 9/13/ % 6.87% 6.87% 6.49% 4.86% 10.40% 7.78% 117 Janus Henderson VIT Global Research Institutional Shares 9/13/ % 13.66% 13.66% 2.83% 0.22% 5.65% 0.40% 195 LVIP SSgA International Index Standard Class 5/1/ % 11.35% 11.35% 7.31% 4.72% 194 LVIP SSgA Mid Cap Index Standard Class 9/2/ % 9.49% 9.49% 6.19% 5.29% 9.99% 8.13% 324 MFS International Value Initial Class 10/2/ % 5.49% 5.49% 8.18% 7.09% 11.82% 7.66% 125 MFS Investors Trust Series Initial Class 10/9/ % 1.48% 1.48% 10.82% 4.37% 15.54% 8.15% 216 MFS New Discovery Series Initial Class 5/1/ % 4.37% 4.37% 8.66% 7.34% 12.78% 7.82% 126 MFS Research Series Initial Class 7/26/ % 6.40% 6.40% 6.97% 5.93% 13.00% 8.54% 207 Neuberger Berman AMT Mid Cap Growth Class I 11/3/ % 14.61% 22.70% 14.62% 12.00% 11.98% 9.71% Page 4

5 Risk Highest ID Average Annual Total Rates of Return: Updated Quarterly Through December 31, MainStay VP Cushing Renaissance Advantage Initial Class 3 5/1/ % 27.69% 27.69% 0.16% 6.94% 163 MainStay VP Emerging Markets Equity Initial Class 4 2/17/ % 20.55% 20.55% 6.50% 2.28% 2.29% 158 MainStay VP Mellon Natural Resources Initial Class 8/31/ % 28.63% 28.63% 0.53% 11.17% 0.73% 4.88% 172 American s IS New World Class 2 6/17/ % 14.04% 14.04% 5.41% 0.89% 7.61% 7.24% 322 Delaware VIP Emerging Markets Series Standard Class 5/1/ % 15.81% 15.81% 10.47% 1.17% 8.50% 6.87% 190 Fidelity VIP Emerging Markets Initial Class 1/23/ % 18.00% 18.00% 7.66% 2.64% 8.25% 0.83% 212 Morgan Stanely VIF U.S. Real Estate Class I 3/3/ % 7.71% 7.71% 0.54% 6.14% 10.90% 8.88% The risk levels of "Low", "Moderate", "High" and "Highest" are assigned by New York Life based on the 10 year Average Standard Deviation (ASDs) of the Lipper Category in which each Investment Division resides. The ASDs are then compared to 10 Year Average Standard Deviations of Lipper benchmark categories assigned the Low, Moderate, High, and Highest risk designations. Risk levels are evaluated on at least an annual basis. Lipper is an independent mutual fund research firm. 1 VUL, VUL 2000, VUL Provider, SPVUL, SVUL, VUL Accumulator, VUL Accumulator Plus, SVUL Accumulator and Legacy Creator SPVUL. 2 The Date is the date the underlying portfolio was established, not the date the portfolio was added as an Investment Division to the NYLIAC Separate Account. 3 These funds are not available on NYLIAC Single Premium Variable Universal Life and New York Life Legacy Creator Single Premium Variable Universal Life products. 4 Premiums or transfers will not be accepted into this Investment Division on or after 11/13/2017 if you did not have Cash Value in this Investment Division prior to 11/13/2017. If you remove all of your Cash Value from this Investment Division on or after 11/13/2017, you will not be allowed to reinvest in this Investment Division. 5 MainStay VP Absolute Return Multi Strategy Initial Class (167) was merged into MainStay VP IQ Hedge Multi Strategy Initial Class (192), effective 11/30/2018 Page 5

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