As of January 31, 2019 To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative or call 1-800-598-2019. Investors 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. 1 The performance shown is for the indicated classes/shares only. These classes/shares impose a 12b-1 fee (except MainStay VP U.S. Government Money Market, MainStay VP Eagle Small Cap Growth Initial Class, MainStay VP Janus Balanced Initial Class and MainStay VP Mellon Natural Resources Initial Class). Performance for these classes/shares are lower than the returns for those classes/shares that do not impose a 12b-1 fee. Contact your NYLIFE Securities LLC Registered Representative or call 1-800-598-2019 for more information. Investment Division Inception Date is the date in which the Investment Division is first offered in the product. Portfolio Inception Date is the date that the Portfolio in which the Investment Division invests was first offered. 2 Assumes no deduction for contingent deferred sales charge. 3 Volatility/Risk Levels are assigned by New York Life. The Investment Divisions are grouped by risk classifications that reflect performance volatility based on Morningstar classifications as of December 31, 2017. Morningstar is a widely used independent research firm, which ranks mutual funds and other investment companies by overall performance, investment objectives and assets. Policy owners need to keep in mind, as applicable, that equity investments have been volatile historically. Investment options concentrated in bonds fluctuate in value in response to changes in interest rates. High-yield securities are generally considered speculative because they present a greater risk of loss than higher-quality debt securities and may be subject to greater price volatility. Non-US securities are subject to currency fluctuation risks and the risks of political and economic instability in the country of issuance. Investment options which are concentrated in economic sectors may be more volatile than more broadly diversified portfolios. While there is no standard definition, generally alternative funds include nontraditional asset classes or strategies and/or illiquid assets. Alternative investments are speculative, can carry substantial risk, and may not be appropriate for all investors. For those investors who are able to bear greater risk in return for the opportunity they provide, alternative investments may be appropriate. 4 The New York Life Elite Variable Annuity was first offered for sale on September 29, 2003. Certain Portfolios existed prior to that date. The performance for MainStay VP Series Fund, Inc. portfolios are based on the Initial Class Portfolio Inception Date (where applicable). The performance for all other investment divisions is based on the Portfolio Inception Date reflected in this performance summary. All performance has been modified to reflect Separate Account and Fund annual expenses as if the policy had been available during the periods shown. The New York Life Elite Variable Annuity differs from many other variable annuity policies in that the Mortality and Expense Risk and Administrative Costs Charge (M&E) is calculated as a percentage of your Adjusted Premium Payments under the policy (excluding premiums allocated to the Fixed Account), rather than as percentage of Separate Account assets. Therefore, the 1.70% M&E charge is not reflected in the performance of the Investment Divisions, but will be deducted quarterly by reducing the number of Accumulation Units in the Investment Divisions you have selected. Since market performance is reflected through fluctuations in the value of an Accumulation Unit, owning fewer Accumulation Units over time will result in a gradual reduction in the value of the Policy, regardless of market performance, when compared to the result of a traditional charge structure. Please refer to your prospectus for more details. The New York Life Elite Variable Annuity invests in New York Life Insurance and Annuity Corporation (NYLIAC) Variable Annuity Separate Account IV. 5 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 MacKay S&P 500 Index Portfolio. The MainStay VP MacKay S&P 500 Index Portfolio is not sponsored, endorsed, sold or promoted by Stan dard & Poor's and Standard and Poor's makes no representation regarding the advisability of investing in the MainStay VP MacKay S&P 500 Index Portfolio. Investors cannot invest directly in an Index. 6 New allocations to the MainStay VP Eagle Small Cap Growth Initial Class Investment Division will not be accepted from Policyowners who were not invested in the MainStay VP Eagle Small Cap Growth Initial Class on February 17, 2012. For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP Eagle Small Cap Growth Initial Class Investment Division on or after February 17, 2012, you will not be able to reinvest in this Investment Divisions. 7 New allocations to the MainStay VP Janus Henderson Balanced Initial Class Investment Division will not be accepted from Policyowners who were not invested in the MainStay VP Janus Henderson Balanced Initial Class on February 17, 2012. For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP Janus Henderson Balanced Initial Class Investment Division on or after February 17, 2012, you will not be able to reinvest in this Investment Divisions. The MainStay VP J anus Henderson Balanced Service Class imposes a 12b-1 fee. 8 An Investment in the MainStay VP U.S. Government Money Market Portfolio is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency and there can be no assurance that the Portfolio will be able to maintain a stable net asset value. Although the Portfolio seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Portfolio. The current yield more closely reflects the Portfolio's earnings than the total return figures shown. The fund's sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time. 9 New allocations to the MainStay VP MacKay Growth, MainStay VP Emerging Markets Equity, MainStay VP T. Rowe Price Equity Income and Victory VIF Diversified Stock Investment Divisions will not be accepted from Policyowners who were not invested in the Investment Divisions on November 13, 2017. For existing Policyowners, if you remove all of your Accumulation Value from these Investment Divisions on or after November 13, 2017, you will not be able to reinvest in these Investment Divisions. The Service Class versions of these Investment Divisions impose a 12b-1 fee. Performance information less than 1 year has not been annualized. Historically, certain fees have been assumed or reduced by some of the portfolios. Had these expenses not been assumed or reduced, the total return for these Investment Divisions would have been lower. Sales of the New York Life Elite Variable Annuity were discontinued. Current policyowners may continue to make premium payments, subject to their contract provisions. Existing policies will continue to be serviced. New York Life Variable Annuities are long-term retirement products issued by New York Life Insurance and Annuity Corporation ("NYLIAC "), a Delaware Corporation, and offered by NYLIFE Securities LLC, Member FINRA/SIPC. Both NYLIAC and NYLIFE Securities LLC are wholly-owned subsidiaries of New York Life Insurance Company, 51 Madison Avenue, New York, New York 10010. There are fees, guidelines, risks, restrictions and limitations to consider when purchasing variable annuities. For costs and complete details, contact a financial professional. SMRU 1543436 Page 1 of 5
Average Annual Total Return as of January 31, 2019 (Updated Monthly) Non-Standardized (Assuming No Surrender) 2 Standardized (Assuming Surrender) Investment Year to Since Since Portfolio Division Month to Date* Investment Investment Volatility/ Inception Inception Date* (Updated 1 3 5 10 Division 1 3 5 10 Division Investment Divisions 1 Risk Level 3 Date Date 1 Monthly) Year 4 Year 4 Year 4 Year 4 Inception Year 4 Year 4 Year 4 Year 4 Inception Equity MainStay VP MacKay Common Stock Service Class High 6/2/2003 9/29/2003 8.01% 8.01% -3.69% 12.93% 10.07% 14.02% 8.48% -11.40% 10.80% 9.24% 14.02% 8.48% MainStay VP MacKay Growth Service Class 9 High 2/13/2006 2/13/2006 8.74% 8.74% -2.55% 14.55% 9.07% 12.56% 6.93% -10.35% 12.48% 8.21% 12.56% 6.93% MainStay VP Cushing Renaissance Advantage Service Class Highest 5/1/2015 5/1/2015 13.76% 13.76% -18.54% 7.34% N/A N/A -4.17% -25.05% 4.97% N/A N/A -6.00% MainStay VP Growth Allocation Service Class High 6/2/2003 9/29/2003 8.72% 8.72% -9.77% 10.06% 5.45% 11.24% 5.75% -16.99% 7.81% 4.46% 11.24% 5.75% MainStay VP MacKay International Equity Service Class High 6/2/2003 9/29/2003 6.40% 6.40% -10.26% 7.47% 4.77% 6.44% 6.22% -17.44% 5.11% 3.76% 6.44% 6.22% MainStay VP Large Cap Growth Service Class High 6/2/2003 9/29/2003 9.42% 9.42% 2.64% 16.61% 11.80% 15.83% 8.62% -5.36% 14.61% 11.02% 15.83% 8.62% MainStay VP MacKay Mid Cap Core Service Class High 6/2/2003 9/29/2003 10.68% 10.68% -5.39% 11.39% 7.60% 15.06% 9.43% -12.96% 9.20% 6.69% 15.06% 9.43% MainStay VP MacKay S&P 500 Index Service Class 5 High 6/2/2003 9/29/2003 7.98% 7.98% -2.69% 13.48% 10.40% 14.41% 8.32% -10.47% 11.37% 9.58% 14.41% 8.32% MainStay VP MacKay Small Cap Core - Service Class High 5/2/2016 5/2/2016 11.24% 11.24% -8.39% N/A N/A N/A 9.18% -15.72% N/A N/A N/A 6.64% MainStay VP Epoch U.S. Small Cap Service Class High 6/2/2003 9/29/2003 11.38% 11.38% -8.42% 10.30% 5.68% 13.33% 8.39% -15.75% 8.06% 4.70% 13.33% 8.39% MainStay VP Eagle Small Cap Growth Service Class High 2/17/2012 2/17/2012 11.91% 11.91% -2.84% 15.27% 7.14% N/A 8.82% -10.61% 13.22% 6.21% N/A 8.47% American Funds IS Global Small Cap Fund Class 4 High 12/14/2012 5/1/2015 8.65% 8.65% -7.23% 11.13% 4.78% 12.38% 3.83% -14.65% 8.93% 3.77% 12.38% 2.11% American Funds IS Growth Fund - Class 4 High 12/14/2012 11/13/2017 9.32% 9.32% 0.44% 17.95% 12.42% 16.22% 9.19% -7.56% 16.00% 11.66% 16.14% 2.69% American Funds IS New World Fund - Class 4 Highest 12/14/2012 5/1/2014 7.73% 7.73% -12.62% 9.99% 3.32% 8.75% 2.41% -19.61% 7.74% 2.25% 8.75% 1.23% ClearBridge Variable Appreciation Portfolio Class II High 2/28/2015 5/1/2017 5.63% 5.63% -1.82% 11.85% 9.52% 13.11% 8.67% -9.68% 9.68% 8.68% 13.01% 4.32% Columbia Variable Portfolio Commodity Strategy Fund Class 2 High 4/30/2013 5/1/2015 5.24% 5.24% -11.44% 1.56% -8.78% N/A -6.21% -18.52% -1.10% -9.90% N/A -8.01% Columbia Variable Portfolio Small Cap Value Fund Class 2 High 6/1/2000 11/15/2004 12.46% 12.46% -8.78% 14.46% 6.96% 12.97% 7.23% -16.08% 12.39% 6.03% 12.97% 7.23% Delaware VIP Small Cap Value - Service Class High 05/01/2000 11/13/2017 10.96% 10.96% -10.62% 13.10% 6.64% 14.70% -3.34% -17.77% 10.97% 5.70% 14.61% -9.75% Dreyfus IP Technology Growth Service Shares High 12/29/2000 9/29/2003 9.20% 9.20% -3.05% 19.97% 12.52% 18.45% 9.80% -10.81% 18.08% 11.76% 18.45% 9.80% Fidelity VIP Contrafund Service Class 2 High 1/12/2000 9/29/2003 9.39% 9.39% -3.79% 12.81% 9.03% 14.21% 9.30% -11.49% 10.68% 8.17% 14.21% 9.30% Fidelity VIP Emerging Markets Service Class 2 Highest 01/23/2008 05/01/2018 9.64% 9.64% -15.90% 12.91% 5.81% 9.88% -8.81% -22.63% 10.78% 4.83% 9.75% -16.10% Fidelity VIP Growth Opportunities Service Class 2 High 1/12/2000 5/1/2014 12.17% 12.17% 16.84% 23.04% 14.74% 20.01% 15.99% 8.84% 21.25% 14.04% 20.01% 15.26% Fidelity VIP Mid Cap Service Class 2 High 1/12/2000 9/29/2003 9.96% 9.96% -11.13% 10.99% 6.39% 13.22% 10.12% -18.24% 8.79% 5.43% 13.22% 10.12% Invesco V.I. American Value Fund - Series II High 5/5/2003 5/1/2013 11.74% 11.74% -7.27% 10.55% 4.73% 13.45% 6.70% -14.69% 8.33% 3.71% 13.45% 6.05% Invesco V.I. International Growth Fund - Series II High 9/19/2001 5/1/2014 7.91% 7.91% -12.78% 5.43% 2.81% 8.33% 1.25% -19.76% 2.97% 1.71% 8.33% 0.02% Janus Henderson VIT Enterprise Portfolio Service Shares High 12/31/1999 11/13/2017 9.97% 9.97% 2.76% 18.25% 12.89% 18.13% 9.44% -5.24% 16.31% 12.14% 18.06% 2.95% Janus Henderson VIT Global Research Portfolio Service Shares High 12/31/1999 9/29/2003 8.02% 8.02% -5.26% 12.15% 6.77% 11.65% 5.84% -12.84% 9.99% 5.83% 11.65% 5.84% MFS International Value Portfolio Service Class High 8/31/2001 5/1/2017 4.72% 4.72% -8.81% 8.60% 6.91% 11.57% 4.62% -16.11% 6.29% 5.98% 11.46% 0.14% MFS Research Series Service Class High 5/1/2000 9/29/2003 8.94% 8.94% -1.63% 13.34% 9.65% 14.37% 8.92% -9.50% 11.23% 8.80% 14.37% 8.92% Neuberger Berman AMT Mid Cap Growth Class S High 2/18/2003 9/29/2003 12.14% 12.14% -1.95% 13.89% 8.54% 14.57% 9.75% -9.79% 11.79% 7.66% 14.57% 9.75% MainStay VP Eagle Small Cap Growth Initial Class 6 High 2/17/2012 2/17/2012 11.94% 11.94% -2.60% 15.56% 7.41% N/A 9.09% -10.39% 13.52% 6.49% N/A 8.74% MainStay VP Emerging Markets Equity Service Class 9 Highest 2/17/2012 2/17/2012 8.68% 8.68% -20.21% 11.32% 0.43% N/A -1.33% -26.59% 9.13% -0.78% N/A -1.91% MainStay VP Mellon Natural Resources Initial Class Highest 2/17/2012 2/17/2012 9.53% 9.53% -23.43% 4.95% -8.67% 1.68% -6.85% -29.55% 2.47% -9.79% 1.68% -7.39% Morgan Stanley VIF U.S. Real Estate - Class II Highest 11/5/2002 5/1/2013 11.80% 11.80% 7.06% 5.67% 7.63% 13.96% 5.31% -0.94% 3.22% 6.72% 13.96% 4.62% Victory VIF Diversified Stock Class A Shares 9 High 7/1/1999 5/1/2004 8.22% 8.22% -9.34% 9.05% 6.67% 11.67% 6.61% -16.59% 6.76% 5.72% 11.67% 6.61% Equity and Income MainStay VP Balanced Service Class Moderate 5/1/2005 5/1/2005 6.73% 6.73% -2.62% 7.34% 5.32% 10.13% 5.95% -10.41% 4.97% 4.32% 10.13% 5.95% MainStay VP MacKay Convertible Service Class Moderate 6/2/2003 9/29/2003 7.60% 7.60% 1.54% 11.89% 6.89% 11.85% 7.67% -6.46% 9.72% 5.96% 11.85% 7.67% MainStay VP Epoch U.S. Equity Yield Service Class High 6/2/2003 9/29/2003 5.93% 5.93% -2.48% 10.51% 6.26% 12.21% 7.12% -10.28% 8.28% 5.30% 12.21% 7.12% MainStay VP Income Builder Service Class Moderate 6/2/2003 9/29/2003 4.00% 4.00% -2.69% 7.04% 4.94% 9.83% 6.27% -10.47% 4.66% 3.93% 9.83% 6.27% MainStay VP IQ Hedge Multi-Strategy - Service Class Moderate 5/1/2013 5/1/2013 2.73% 2.73% -4.57% -0.70% -5.00% N/A -2.72% -12.20% -3.42% -6.17% N/A -3.58% MainStay VP Moderate Allocation Service Class Moderate 2/13/2006 2/13/2006 6.10% 6.10% -5.85% 7.16% 4.26% 8.99% 5.47% -13.38% 4.78% 3.22% 8.99% 5.47% MainStay VP Moderate Growth Allocation Service Class High 2/13/2006 2/13/2006 7.65% 7.65% -7.83% 8.87% 4.94% 10.45% 5.77% -15.20% 6.57% 3.93% 10.45% 5.77% American Funds IS Asset Allocation Fund - Class 4 Moderate 12/14/2012 05/01/2018 5.38% 5.38% -3.18% 9.57% 6.70% 11.08% 0.98% -10.93% 7.30% 5.76% 10.97% -7.02% American Funds IS Blue Chip Income and Growth Fund - Class 4 High 12/14/2012 11/13/2017 5.33% 5.33% -8.76% 11.01% 8.75% 13.29% 1.50% -16.06% 8.81% 7.88% 13.19% -5.10% BlackRock Global Allocation V.I. Fund Class III Shares Moderate 11/18/2003 5/1/2011 5.17% 5.17% -6.21% 5.92% 3.39% 6.88% 3.58% -13.71% 3.49% 2.32% 6.88% 3.27% DWS Alternative Asset Allocation VIP - Class B Moderate 5/18/2009 5/2/2016 5.46% 5.46% -5.24% 2.82% 0.69% N/A 1.32% -12.82% 0.23% -0.51% N/A -1.60% MainStay VP Janus Henderson Balanced Initial Class 7 Moderate 2/17/2012 2/17/2012 4.42% 4.42% 1.15% 10.62% 7.69% N/A 8.84% -6.85% 8.39% 6.79% N/A 8.49% Fidelity VIP Equity Income Service Class 2 High 1/12/2000 9/29/2003 7.25% 7.25% -6.17% 10.96% 6.96% 13.04% 6.68% -13.67% 8.75% 6.03% 13.04% 6.68% MainStay VP Janus Henderson Balanced Service Class Moderate 2/17/2012 2/17/2012 4.40% 4.40% 0.89% 10.34% 7.43% 10.25% 8.56% -7.11% 8.11% 6.51% 10.25% 8.21% MFS Investors Trust Series Service Class High 5/1/2000 9/29/2003 8.21% 8.21% -3.34% 12.49% 9.28% 13.22% 8.24% -11.07% 10.34% 8.43% 13.22% 8.24% MainStay VP Fidelity Institutional AM SM Utilities Service Class High 2/17/2012 2/17/2012 3.76% 3.76% 3.24% 10.35% 5.00% 11.01% 7.58% -4.76% 8.12% 3.99% 11.01% 7.20% MainStay VP T. Rowe Price Equity Income Service Class 9 High 2/17/2012 2/17/2012 7.22% 7.22% -7.57% 11.98% 6.77% 12.54% 9.35% -14.96% 9.82% 5.84% 12.54% 9.01% Income MainStay VP Bond Service Class Moderate 6/2/2003 9/29/2003 1.26% 1.26% 1.07% 1.91% 2.17% 3.69% 3.74% -6.93% -0.72% 1.05% 3.69% 3.74% MainStay VP U.S. Government Money Market Current 7-day yield is 0.01% 8 Low 1/29/1993 5/1/1995 0.16% 0.16% 1.48% 0.66% 0.40% 0.21% 1.14% -6.52% -2.04% -0.81% 0.21% 1.14% MainStay VP Conservative Allocation Service Class Moderate 2/13/2006 2/13/2006 4.78% 4.78% -3.86% 5.63% 3.43% 7.64% 5.10% -11.55% 3.19% 2.35% 7.64% 5.10% MainStay VP Floating Rate Service Class Moderate 5/1/2005 5/1/2005 2.58% 2.58% 1.33% 4.80% 2.83% 5.79% 3.48% -6.67% 2.31% 1.74% 5.79% 3.48% MainStay VP MacKay Government Service Class Moderate 6/2/2003 9/29/2003 0.60% 0.60% 1.50% 0.56% 1.27% 2.20% 2.99% -6.50% -2.15% 0.11% 2.20% 2.99% MainStay VP MacKay High Yield Corporate Bond Service Class Moderate 6/2/2003 9/29/2003 3.77% 3.77% 1.48% 8.67% 4.52% 9.41% 6.81% -6.52% 6.37% 3.49% 9.41% 6.81% MainStay VP Indexed Bond Service Class Moderate 5/1/2017 5/1/2017 1.07% 1.07% 1.43% N/A N/A N/A 0.81% -6.57% N/A N/A N/A -3.80% MainStay VP PIMCO Real Return Service Class Moderate 2/17/2012 2/17/2012 1.72% 1.72% -0.35% 1.99% 0.88% 3.81% 0.32% -8.32% -0.64% -0.31% 3.81% -0.25% MainStay VP MacKay Unconstrained Bond Service Class Moderate 5/1/2011 5/1/2011 1.87% 1.87% 0.23% 4.48% 2.14% N/A 3.39% -7.77% 1.97% 1.01% N/A 3.07% BlackRock High Yield V.I. Fund Class III Shares Moderate 2/15/2012 5/1/2014 4.56% 4.56% 0.85% 7.39% 3.76% 10.44% 3.37% -7.15% 5.03% 2.70% 10.44% 2.24% Columbia Variable Portfolio Emerging Markets Bond Fund Class 2 Moderate 4/30/2012 5/1/2015 5.22% 5.22% -2.93% 6.90% 4.34% N/A 3.76% -10.69% 4.51% 3.30% N/A 2.04% PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class Moderate 5/1/2014 5/1/2014 1.32% 1.32% 3.31% 3.78% 4.45% 6.32% 4.18% -4.69% 1.24% 3.42% 6.32% 3.07% PIMCO VIT Low Duration Portfolio - Advisor Class Low 3/31/2006 5/2/2016 0.62% 0.62% 1.07% 1.08% 0.81% 2.80% 0.99% -6.93% -1.60% -0.38% 2.56% -1.95% PIMCO VIT Total Return Portfolio - Advisor Class Moderate 2/28/2006 5/1/2014 1.38% 1.38% 1.71% 2.36% 2.25% 4.38% 2.25% -6.29% -0.25% 1.13% 4.38% 1.07% Please read the important disclosures regarding the product performance on the following page. Page 2 of 5
Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volat ility, current performance may be lower or higher than the figures shown. The investment return and the Accumulation Value of your policy will fluctuate so that a policy, when surrendered may be worth more or less than the premium payment(s). For current to the most r ecent month-end performance information, please call 1-800-598-2019 or visit www.newyorklife.com. All performance reflects the percentage change for the period shown, with capital gains and dividends reinvested and includes the Fund Company Expenses. An Annual Policy Service Charge of $30 is not included in these charges, but will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon surrender if on that date the Accumulation Value Is less than $100,000. The performance shown, therefore, would be slightly lower if your policy's Accumulation Value is less than $100,000. Charges fo r any optional riders, if reflected, would reduce the performance shown. Non-Standardized Performance ("Assuming No Surrender") does not reflect the deduction of Surrender Charges. Standardized Performance ("Assuming Surrender") reflects the maximum Surrender Charge under the policy. The maximum Surrende r Charge for each premium payment is 8%, declining to 3% (or 2% for single premium policies) by the 8th year after that premium payment has been in the policy, with no surrender charge thereafter. Withdrawals and surrenders may be taxable transactions, and prior to age 59½, may be subject to a 10% IRS penalty (the penalt y tax is increased to 25% in the case of a distribution from a SIMPLE IRA within the first two years of your participation in the SIMPLE IRA plan). The Investment Divisions offered through the New York Life Elite Variable Annuity and described herein are different from mut ual funds that may have similar names but are available directly to the general public. Investment results may differ. *In certain jurisdictions, this product will be sold as a single premium variable annuity. In most jurisdictions, the policy form number for the New York Life Elite Variable Annuity is 203-193. Page 3 of 5
Average Annual Total Return as of December 31, 2018 (Updated Quarterly) Non-Standardized (Assuming No Surrender) 2 Standardized (Assuming Surrender) Investment Since Since Portfolio Division Investment Investment Volatility/ Inception Inception 1 3 5 10 Division 1 3 5 10 Division Investment Divisions 1 Risk Level 3 Date Date 1 Year 4 Year 4 Year 4 Year 4 Inception Year 4 Year 4 Year 4 Year 4 Inception Equity MainStay VP MacKay Common Stock Service Class High 6/2/2003 9/29/2003-6.08% 7.80% 7.56% 12.16% 7.98% -13.59% 5.45% 6.65% 12.16% 7.98% MainStay VP MacKay Growth Service Class 9 High 2/13/2006 2/13/2006-4.48% 7.56% 6.69% 11.26% 6.38% -12.12% 5.20% 5.74% 11.26% 6.38% MainStay VP Cushing Renaissance Advantage Service Class Highest 5/1/2015 5/1/2015-27.87% -0.09% N/A N/A -7.57% -33.64% -2.82% N/A N/A -9.38% MainStay VP Growth Allocation Service Class High 6/2/2003 9/29/2003-12.99% 4.54% 2.93% 9.47% 5.11% -19.95% 2.04% 1.83% 9.47% 5.11% MainStay VP MacKay International Equity Service Class High 6/2/2003 9/29/2003-11.78% 3.44% 2.63% 4.98% 5.83% -18.84% 0.88% 1.52% 4.98% 5.83% MainStay VP Large Cap Growth Service Class High 6/2/2003 9/29/2003 3.31% 9.97% 9.22% 14.42% 8.03% -4.69% 7.72% 8.37% 14.42% 8.03% MainStay VP MacKay Mid Cap Core Service Class High 6/2/2003 9/29/2003-12.20% 4.99% 4.87% 13.14% 8.76% -19.22% 2.51% 3.86% 13.14% 8.76% MainStay VP MacKay S&P 500 Index Service Class 5 High 6/2/2003 9/29/2003-4.76% 8.72% 7.94% 12.54% 7.83% -12.38% 6.42% 7.04% 12.54% 7.83% MainStay VP MacKay Small Cap Core - Service Class High 5/2/2016 5/2/2016-15.32% N/A N/A N/A 5.20% -22.10% N/A N/A N/A 2.38% MainStay VP Epoch U.S. Small Cap Service Class High 6/2/2003 9/29/2003-16.28% 3.87% 2.71% 11.65% 7.67% -22.98% 1.34% 1.60% 11.65% 7.67% MainStay VP Eagle Small Cap Growth Service Class High 2/17/2012 2/17/2012-9.11% 6.91% 4.32% N/A 7.16% -16.38% 4.53% 3.28% N/A 6.77% American Funds IS Global Small Cap Fund Class 4 High 12/14/2012 5/1/2015-10.81% 4.50% 3.06% 10.76% 1.60% -17.94% 2.00% 1.97% 10.76% -0.27% American Funds IS Growth Fund - Class 4 High 12/14/2012 11/13/2017-0.50% 11.62% 9.92% 14.45% 1.58% -8.46% 9.44% 9.08% 14.36% -5.51% American Funds IS New World Fund - Class 4 Highest 12/14/2012 5/1/2014-14.25% 5.15% 0.63% 7.35% 0.83% -21.11% 2.68% -0.57% 7.35% -0.44% ClearBridge Variable Appreciation Portfolio Class II High 2/28/2015 5/1/2017-1.99% 8.56% 7.51% 11.67% 5.61% -9.83% 6.25% 6.59% 11.56% 0.92% Columbia Variable Portfolio Commodity Strategy Fund Class 2 High 4/30/2013 5/1/2015-14.17% -0.64% -10.10% N/A -7.65% -21.03% -3.36% -11.20% N/A -9.45% Columbia Variable Portfolio Small Cap Value Fund Class 2 High 6/1/2000 11/15/2004-18.17% 7.38% 3.63% 10.21% 6.39% -24.71% 5.02% 2.57% 10.21% 6.39% Delaware VIP Small Cap Value - Service Class High 05/01/2000 11/13/2017-16.94% 6.76% 3.75% 12.00% -12.05% -23.59% 4.37% 2.69% 11.89% -18.30% Dreyfus IP Technology Growth Service Shares High 12/29/2000 9/29/2003-1.27% 13.63% 10.62% 16.84% 9.23% -9.17% 11.52% 9.80% 16.84% 9.23% Fidelity VIP Contrafund Service Class 2 High 1/12/2000 9/29/2003-6.64% 6.94% 6.52% 12.37% 8.71% -14.11% 4.55% 5.57% 12.37% 8.71% Fidelity VIP Emerging Markets Service Class 2 Highest 01/23/2008 05/01/2018-18.16% 7.40% 2.36% 8.00% -16.82% -24.71% 5.04% 1.24% 7.85% -23.48% Fidelity VIP Growth Opportunities Service Class 2 High 1/12/2000 5/1/2014 12.21% 14.64% 12.18% 18.24% 13.48% 4.21% 12.57% 11.41% 18.24% 12.66% Fidelity VIP Mid Cap Service Class 2 High 1/12/2000 9/29/2003-14.77% 4.76% 3.70% 11.58% 9.49% -21.59% 2.27% 2.64% 11.58% 9.49% Invesco V.I. American Value Fund - Series II High 5/5/2003 5/1/2013-12.87% 3.26% 1.79% 11.38% 4.73% -19.84% 0.70% 0.65% 11.38% 4.01% Invesco V.I. International Growth Fund - Series II High 9/19/2001 5/1/2014-15.20% 1.10% 0.15% 6.89% -0.37% -21.99% -1.58% -1.08% 6.89% -1.68% Janus Henderson VIT Enterprise Portfolio Service Shares High 12/31/1999 11/13/2017-0.66% 12.27% 10.51% 16.33% 1.31% -8.61% 10.12% 9.69% 16.26% -5.78% Janus Henderson VIT Global Research Portfolio Service Shares High 12/31/1999 9/29/2003-7.08% 6.22% 4.60% 10.13% 5.34% -14.52% 3.80% 3.58% 10.13% 5.34% MFS International Value Portfolio Service Class High 8/31/2001 5/1/2017-9.72% 5.94% 5.03% 9.72% 2.01% -16.95% 3.50% 4.03% 9.59% -2.80% MFS Research Series Service Class High 5/1/2000 9/29/2003-4.62% 8.39% 7.07% 12.50% 8.36% -12.25% 6.07% 6.14% 12.50% 8.36% Neuberger Berman AMT Mid Cap Growth Class S High 2/18/2003 9/29/2003-6.56% 6.63% 5.61% 12.69% 8.95% -14.03% 4.23% 4.63% 12.69% 8.95% MainStay VP Eagle Small Cap Growth Initial Class 6 High 2/17/2012 2/17/2012-8.88% 7.18% 4.58% N/A 7.43% -16.17% 4.81% 3.56% N/A 7.04% MainStay VP Emerging Markets Equity Service Class 9 Highest 2/17/2012 2/17/2012-20.74% 6.24% -2.53% N/A -2.54% -27.08% 3.82% -3.72% N/A -3.11% MainStay VP Mellon Natural Resources Initial Class Highest 2/17/2012 2/17/2012-28.63% 0.53% -11.17% 0.73% -8.16% -34.34% -2.18% -12.27% 0.73% -8.70% Morgan Stanley VIF U.S. Real Estate - Class II Highest 11/5/2002 5/1/2013-7.97% 0.29% 5.88% 10.66% 3.34% -15.33% -2.44% 4.91% 10.66% 2.57% Victory VIF Diversified Stock Class A Shares 9 High 7/1/1999 5/1/2004-13.30% 4.44% 3.99% 9.68% 6.08% -20.24% 1.93% 2.94% 9.68% 6.08% Equity and Income MainStay VP Balanced Service Class Moderate 5/1/2005 5/1/2005-7.59% 3.70% 3.69% 8.82% 5.48% -14.98% 1.16% 2.63% 8.82% 5.48% MainStay VP MacKay Convertible Service Class Moderate 6/2/2003 9/29/2003-2.52% 6.78% 5.24% 11.08% 7.19% -10.32% 4.39% 4.24% 11.08% 7.19% MainStay VP Epoch U.S. Equity Yield Service Class High 6/2/2003 9/29/2003-5.46% 5.40% 4.06% 10.58% 6.75% -13.03% 2.94% 3.02% 10.58% 6.75% MainStay VP Income Builder Service Class Moderate 6/2/2003 9/29/2003-5.45% 4.99% 3.73% 9.08% 6.04% -13.01% 2.51% 2.68% 9.08% 6.04% MainStay VP IQ Hedge Multi-Strategy - Service Class Moderate 5/1/2013 5/1/2013-7.14% -2.66% -5.71% N/A -3.22% -14.56% -5.33% -6.87% N/A -4.09% MainStay VP Moderate Allocation Service Class Moderate 2/13/2006 2/13/2006-8.62% 3.61% 2.64% 7.91% 5.02% -15.93% 1.06% 1.53% 7.91% 5.02% MainStay VP Moderate Growth Allocation Service Class High 2/13/2006 2/13/2006-10.95% 4.17% 2.81% 9.04% 5.21% -18.08% 1.66% 1.72% 9.04% 5.21% American Funds IS Asset Allocation Fund - Class 4 Moderate 12/14/2012 05/01/2018-4.83% 6.39% 5.07% 9.94% -4.18% -12.45% 3.98% 4.07% 9.81% -11.84% American Funds IS Blue Chip Income and Growth Fund - Class 4 High 12/14/2012 11/13/2017-8.92% 7.99% 7.01% 11.62% -2.95% -16.21% 5.66% 6.08% 11.51% -9.84% BlackRock Global Allocation V.I. Fund Class III Shares Moderate 11/18/2003 5/1/2011-7.58% 2.94% 1.94% 5.88% 2.94% -14.97% 0.36% 0.80% 5.88% 2.62% DWS Alternative Asset Allocation VIP - Class B Moderate 5/18/2009 5/2/2016-9.35% 0.61% -0.35% N/A -0.64% -16.60% -2.09% -1.57% N/A -3.70% MainStay VP Janus Henderson Balanced Initial Class 7 Moderate 2/17/2012 2/17/2012 0.42% 7.56% 6.37% N/A 8.27% -7.58% 5.20% 5.42% N/A 7.90% Fidelity VIP Equity Income Service Class 2 High 1/12/2000 9/29/2003-8.54% 6.64% 4.73% 10.97% 6.23% -15.85% 4.24% 3.71% 10.97% 6.23% MainStay VP Janus Henderson Balanced Service Class Moderate 2/17/2012 2/17/2012 0.17% 7.29% 6.11% 9.62% 8.00% -7.83% 4.92% 5.14% 9.62% 7.62% MFS Investors Trust Series Service Class High 5/1/2000 9/29/2003-5.71% 7.91% 6.81% 11.54% 7.73% -13.25% 5.57% 5.88% 11.54% 7.73% MainStay VP Fidelity Institutional AM SM Utilities Service Class High 2/17/2012 2/17/2012 0.55% 8.55% 4.20% 10.36% 7.10% -7.45% 6.24% 3.16% 10.36% 6.71% MainStay VP T. Rowe Price Equity Income Service Class 9 High 2/17/2012 2/17/2012-9.61% 7.49% 4.41% 10.38% 8.36% -16.84% 5.13% 3.38% 10.38% 8.00% Income MainStay VP Bond Service Class Moderate 6/2/2003 9/29/2003-1.25% 1.85% 2.20% 3.50% 3.68% -9.15% -0.79% 1.07% 3.50% 3.68% MainStay VP U.S. Government Money Market Current 7-day yield is 0.01% 8 Low 1/29/1993 5/1/1995 1.39% 0.61% 0.37% 0.19% 1.13% -6.61% -2.10% -0.84% 0.19% 1.13% MainStay VP Conservative Allocation Service Class Moderate 2/13/2006 2/13/2006-6.68% 3.05% 2.28% 6.90% 4.75% -14.15% 0.47% 1.16% 6.90% 4.75% MainStay VP Floating Rate Service Class Moderate 5/1/2005 5/1/2005-0.36% 3.78% 2.41% 6.28% 3.31% -8.33% 1.25% 1.30% 6.28% 3.31% MainStay VP MacKay Government Service Class Moderate 6/2/2003 9/29/2003-0.31% 0.79% 1.39% 1.99% 2.97% -8.28% -1.91% 0.23% 1.99% 2.97% MainStay VP MacKay High Yield Corporate Bond Service Class Moderate 6/2/2003 9/29/2003-1.71% 6.70% 3.90% 9.48% 6.59% -9.57% 4.30% 2.85% 9.48% 6.59% MainStay VP Indexed Bond Service Class Moderate 5/1/2017 5/1/2017-0.92% N/A N/A N/A 0.21% -8.85% N/A N/A N/A -4.65% MainStay VP PIMCO Real Return Service Class Moderate 2/17/2012 2/17/2012-2.80% 1.75% 0.96% 3.85% 0.07% -10.58% -0.89% -0.22% 3.85% -0.51% MainStay VP MacKay Unconstrained Bond Service Class Moderate 5/1/2011 5/1/2011-1.46% 3.38% 1.80% N/A 3.18% -9.34% 0.82% 0.66% N/A 2.85% BlackRock High Yield V.I. Fund Class III Shares Moderate 2/15/2012 5/1/2014-2.89% 5.47% 2.96% 10.53% 2.45% -10.66% 3.02% 1.87% 10.53% 1.25% Columbia Variable Portfolio Emerging Markets Bond Fund Class 2 Moderate 4/30/2012 5/1/2015-7.38% 4.74% 2.84% N/A 2.42% -14.79% 2.25% 1.74% N/A 0.59% PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class Moderate 5/1/2014 5/1/2014 2.02% 3.67% 4.39% 6.28% 3.96% -5.98% 1.12% 3.36% 6.28% 2.83% PIMCO VIT Low Duration Portfolio - Advisor Class Low 3/31/2006 5/2/2016 0.24% 0.93% 0.75% 2.79% 0.79% -7.76% -1.76% -0.44% 2.56% -2.25% PIMCO VIT Total Return Portfolio - Advisor Class Moderate 2/28/2006 5/1/2014-0.63% 2.23% 2.24% 4.31% 1.99% -8.58% -0.39% 1.11% 4.31% 0.77% Please read the important disclosures regarding the product performance on the following page. Page 4 of 5
Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volatility, current performance may be lower or higher than the figures shown. The investment return and the Accumulation Value of your policy will fluctuate so that a policy, when surrendered may be worth more or less than the premium payment(s). For current to the most recent month-end performance information, please call 1-800-598-2019 or visit www.newyorklife.com. All performance reflects the percentage change for the period shown, with capital gains and dividends reinvested and includes the Fund Company Expenses. An Annual Policy Service Charge of $30 is not included in these charges, but will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon surrender if on that date the Accumulation Value Is less than $100,000. The performance shown, therefore, would be slightly lower if your policy's Accumulation Value is less than $100,000. Charges for any optional riders, if reflected, would reduce the performance shown. Non-Standardized Performance ("Assuming No Surrender") does not reflect the deduction of Surrender Charges. Standardized Performance ("Assuming Surrender") reflects the maximum Surrender Charge under the policy. The maximum Surrender Charge for each premium payment is 8%, declining to 3% (or 2% for single premium policies) by the 8th year after that premium payment has been in the policy, with no surrender charge thereafter. Withdrawals and surrenders may be taxable transactions, and prior to age 59½, may be subject to a 10% IRS penalty (the penalty tax is increased to 25% in the case of a distribution from a SIMPLE IRA within the first two years of your participation in the SIMPLE IRA plan). The Investment Divisions offered through the New York Life Elite Variable Annuity and described herein are different from mutual funds that may have similar names but are available directly to the general public. Investment results may differ. *In certain jurisdictions, this product will be sold as a single premium variable annuity. In most jurisdictions, the policy form number for the New York Life Elite Variable Annuity is 203-193. Page 5 of 5