As of September 30, 2018 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 Van Eck Hard Assets Initial Class). Performance for these classes/shares is 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 Flexible Premium Variable Annuity II was first offered for sale on May 1, 2011. Certain Portfolios existed prior to that date. The performance for MainStay VP Series Fund, Inc. portfolios are based on 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 Flexible Premium Variable Annuity II- 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 1.60% 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. This version of the New York Life Flexible Premium Variable Annuity II invests in the New York Life Insurance and Annuity Corporation (NYLIAC) 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 Standard & 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 Janus 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 shar e, 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. 10 New allocations to the MainStay VP Absolute Return Multi-Strategy Investment Division will not be accepted from Policyowners who were not invested in the Investment Division on May 1, 2018. For existing Policyowners, if you remove all of your Accumulation Value from this Investment Division on or after May 1, 2018, you will not be able to reinvest in this Investment Division. 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 red uced, the total return for these Investment Divisions would have been lower. Sales of the New York Life Flexible Premium Variable Annuity II 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 September 30, 2018 (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 06/02/2003 05/01/2011 0.11% 10.32% 19.00% 16.19% 13.58% 11.23% 12.93% 12.00% 14.43% 12.97% 11.23% 12.81% MainStay VP MacKay Growth Service Class 9 High 06/02/2003 05/01/2011-0.16% 16.95% 27.68% 17.50% 12.85% 10.90% 11.20% 20.68% 15.79% 12.23% 10.90% 11.06% MainStay VP Cushing Renaissance Advantage Service Class Highest 05/01/2015 05/01/2015 1.08% -1.57% 9.68% 9.42% N/A N/A 0.64% 2.68% 7.43% N/A N/A -1.12% MainStay VP Growth Allocation Service Class High 02/13/2006 05/01/2011-0.30% 2.94% 8.86% 12.32% 8.27% 8.75% 8.34% 1.86% 10.44% 7.54% 8.75% 8.17% MainStay VP MacKay International Equity Service Class High 06/02/2003 05/01/2011-2.16% 3.25% 9.05% 11.56% 6.55% 5.87% 4.95% 2.05% 9.65% 5.76% 5.87% 4.75% MainStay VP Large Cap Growth Service Class High 06/02/2003 05/01/2011 1.34% 22.94% 30.06% 19.72% 15.44% 13.42% 13.44% 23.06% 18.07% 14.87% 13.42% 13.32% MainStay VP MacKay Mid Cap Core Service Class High 06/02/2003 05/01/2011-0.80% 6.57% 14.24% 13.22% 11.34% 12.00% 11.40% 7.24% 11.37% 10.68% 12.00% 11.27% MainStay VP MacKay S&P 500 Index Service Class 5 High 06/02/2003 05/01/2011 0.54% 10.22% 17.42% 16.72% 13.36% 11.40% 12.54% 10.42% 14.98% 12.75% 11.40% 12.41% MainStay VP MacKay Small Cap Core - Service Class High 05/02/2016 05/02/2016-3.05% 8.58% 12.57% N/A N/A N/A 17.23% 5.57% N/A N/A N/A 14.88% MainStay VP Epoch U.S. Small Cap Service Class High 06/02/2003 05/01/2011-2.54% 2.15% 8.73% 11.32% 8.67% 10.14% 9.32% 1.73% 9.41% 7.95% 10.14% 9.17% American Funds IS Global Small Cap Fund Class 4 High 12/14/2012 05/01/2015-0.90% 6.25% 11.68% 11.34% 7.89% 8.56% 7.06% 4.68% 9.42% 7.14% 8.56% 5.55% American Funds IS Growth Fund - Class 4 High 12/14/2012 11/13/2017 0.14% 15.83% 22.84% 20.43% 15.11% 12.74% 18.50% 15.84% 18.79% 14.54% 12.74% 11.50% American Funds IS New World Fund - Class 4 Highest 12/14/2012 05/01/2014-0.26% -5.36% -0.70% 10.67% 3.50% 5.71% 3.15% -7.65% 8.73% 2.62% 5.71% 2.12% ClearBridge Variable Appreciation Portfolio Class II High 02/28/2015 05/01/2017 0.53% 9.29% 16.39% 15.21% 11.96% 10.70% 15.17% 9.39% 13.43% 11.32% 10.70% 10.47% Columbia Variable Portfolio Commodity Strategy Fund Class 2 High 04/30/2013 05/01/2015 1.41% -4.00% 0.35% -0.31% -8.22% N/A -5.13% -6.65% -2.70% -9.16% N/A -6.83% Columbia Variable Portfolio Small Cap Value Fund Class 2 High 06/01/2000 05/01/2011-3.81% 2.52% 5.67% 16.54% 10.16% 9.65% 9.54% -1.33% 14.80% 9.47% 9.65% 9.39% Delaware VIP Small Cap Value - Service Class High 05/01/2000 11/13/2017-2.66% 2.43% 7.67% 15.23% 10.13% 11.23% 6.65% 0.67% 13.45% 9.44% 11.23% -0.35% Dreyfus IP Technology Growth Service Shares High 12/29/2000 05/01/2011 0.08% 20.69% 29.21% 24.02% 17.34% 16.38% 14.13% 22.21% 22.48% 16.80% 16.38% 14.02% Fidelity VIP Contrafund Service Class 2 High 01/12/2000 05/01/2011 0.70% 11.44% 16.64% 15.95% 12.49% 11.41% 11.28% 9.64% 14.18% 11.86% 11.41% 11.15% Fidelity VIP Emerging Markets Service Class 2 Highest 01/23/2008 05/01/2018-1.96% -10.10% -2.61% 12.28% 5.06% 4.92% -8.63% -9.43% 10.40% 4.23% 4.92% -15.03% Fidelity VIP Growth Opportunities Service Class 2 High 01/12/2000 05/01/2014 0.61% 27.07% 35.26% 22.99% 16.48% 16.22% 17.56% 28.26% 21.43% 15.93% 16.22% 16.90% Fidelity VIP Mid Cap Service Class 2 High 01/12/2000 05/01/2011-0.57% 6.10% 12.66% 13.78% 10.46% 11.00% 9.28% 5.66% 11.94% 9.78% 11.00% 9.13% Invesco V.I. American Value Fund - Series II High 05/05/2003 05/01/2013-1.30% 7.54% 13.46% 10.46% 7.80% 10.00% 9.11% 6.46% 8.51% 7.04% 10.00% 8.61% Invesco V.I. International Growth Fund - Series II High 09/19/2001 05/01/2014 0.71% -4.46% -1.53% 7.03% 3.70% 5.82% 2.34% -8.42% 4.95% 2.82% 5.82% 1.28% Janus Henderson VIT Enterprise Portfolio Service Shares High 12/31/1999 11/13/2017-0.34% 15.14% 21.64% 19.89% 15.63% 14.07% 17.63% 14.64% 18.25% 15.07% 14.07% 10.63% Janus Henderson VIT Global Research Portfolio Service Shares High 12/31/1999 05/01/2011 0.64% 7.68% 13.05% 13.04% 9.46% 8.85% 8.12% 6.05% 11.19% 8.76% 8.85% 7.95% MFS International Value Portfolio Service Class High 08/31/2001 05/01/2017-0.43% 1.65% 7.74% 12.14% 8.61% 9.54% 11.32% 0.74% 10.25% 7.89% 9.54% 6.55% MFS Research Series Service Class High 05/01/2000 05/01/2011 0.49% 10.95% 17.35% 16.24% 12.48% 11.33% 12.08% 10.35% 14.49% 11.85% 11.33% 11.95% Neuberger Berman AMT Mid-Cap Growth Class S High 02/18/2003 05/01/2011-0.47% 14.47% 22.47% 14.24% 11.66% 11.67% 10.99% 15.47% 12.43% 11.01% 11.67% 10.85% MainStay VP Eagle Small Cap Growth Service Class High 02/17/2012 05/01/2013-1.15% 15.80% 21.19% 18.03% 10.64% N/A 11.96% 14.19% 16.33% 9.96% N/A 11.51% MainStay VP Eagle Small Cap Growth Initial Class 6 High 02/17/2012 02/17/2012-1.13% 16.02% 21.49% 18.32% 10.91% N/A 11.72% 14.49% 16.63% 10.25% N/A 11.48% MainStay VP Emerging Markets Equity Service Class 9 Highest 02/17/2012 02/17/2012-1.99% -12.13% -6.91% 9.75% -0.34% N/A -1.10% -13.43% 7.78% -1.36% N/A -1.56% MainStay VP VanEck Global Hard Assets Initial Class Highest 02/17/2012 02/17/2012 2.68% -7.09% 1.54% 7.28% -5.71% -0.33% -4.73% -5.46% 5.22% -6.67% -0.33% -5.17% Morgan Stanley VIF U.S. Real Estate - Class II Highest 11/05/2002 05/01/2013-3.00% 1.33% 5.18% 5.79% 7.96% 6.54% 5.35% -1.82% 3.66% 7.22% 6.54% 4.76% Victory VIF Diversified Stock Class A Shares 9 High 07/01/1999 05/01/2011-0.94% 2.55% 12.42% 11.75% 9.35% 8.35% 9.54% 5.42% 9.85% 8.64% 8.35% 9.38% Equity and Income MainStay VP Balanced Service Class Moderate 05/01/2005 05/01/2011-0.21% 2.54% 6.23% 8.16% 7.24% 8.44% 7.73% -0.77% 6.13% 6.47% 8.44% 7.56% MainStay VP MacKay Convertible Service Class Moderate 06/02/2003 05/01/2011 0.20% 10.17% 12.96% 12.43% 8.86% 10.24% 7.78% 5.96% 10.55% 8.14% 10.24% 7.61% MainStay VP Epoch U.S. Equity Yield Service Class High 06/02/2003 05/01/2011 0.14% 2.52% 8.04% 10.36% 7.64% 8.71% 8.18% 1.04% 8.41% 6.88% 8.71% 8.02% MainStay VP Income Builder Service Class Moderate 06/02/2003 05/01/2011 0.21% -0.25% 2.35% 7.62% 6.12% 8.00% 7.01% -4.65% 5.56% 5.32% 8.00% 6.83% MainStay VP Absolute Return Multi-Strategy - Service Class 10 Moderate 05/01/2013 05/01/2013 0.86% -4.86% -4.93% -1.71% -4.74% N/A -2.94% -11.58% -4.06% -5.71% N/A -3.67% MainStay VP Moderate Allocation Service Class Moderate 02/13/2006 05/01/2011-0.23% 1.41% 5.10% 8.31% 6.03% 7.48% 6.41% -1.90% 6.28% 5.23% 7.48% 6.23% MainStay VP Moderate Growth Allocation Service Class High 02/13/2006 05/01/2011-0.23% 2.53% 7.36% 10.59% 7.33% 8.42% 7.58% 0.36% 8.65% 6.56% 8.42% 7.41% American Funds IS Asset Allocation Fund - Class 4 Moderate 12/14/2012 05/01/2018 0.13% 3.96% 7.08% 11.41% 8.38% 8.94% 4.67% 0.08% 9.49% 7.65% 8.94% -2.33% American Funds IS Blue Chip Income and Growth Fund - Class 4 High 12/14/2012 11/13/2017 1.13% 5.07% 12.63% 15.51% 12.36% 10.55% 11.51% 5.63% 13.73% 11.72% 10.55% 4.51% BlackRock Global Allocation V.I. Fund Class III Shares Moderate 11/18/2003 05/01/2011-0.47% -0.10% 2.40% 6.65% 4.55% 5.90% 4.13% -4.60% 4.56% 3.70% 5.90% 3.92% DWS Alternative Asset Allocation VIP - Class B Moderate 05/18/2009 05/02/2016-0.31% -4.02% -2.15% 2.22% 1.18% N/A 1.67% -9.00% -0.06% 0.21% N/A -1.23% MainStay VP Janus Henderson Balanced Initial Class 7 Moderate 02/17/2012 02/17/2012 0.09% 8.19% 13.83% 11.83% 9.41% N/A 9.82% 6.83% 9.94% 8.70% N/A 9.55% Fidelity VIP Equity-Income Service Class 2 High 01/12/2000 05/01/2011-0.44% 3.06% 7.92% 12.61% 8.77% 9.20% 9.41% 0.92% 10.74% 8.05% 9.20% 9.26% MainStay VP Janus Henderson Balanced Service Class Moderate 02/17/2012 02/17/2012 0.07% 7.99% 13.55% 11.56% 9.14% 9.70% 9.55% 6.55% 9.65% 8.42% 9.70% 9.28% MFS Investors Trust Series Service Class High 05/01/2000 05/01/2011 0.49% 8.01% 14.98% 14.86% 11.90% 10.49% 11.54% 7.98% 13.06% 11.25% 10.49% 11.40% MainStay VP MFS Utilities Service Class High 02/17/2012 02/17/2012-0.88% 3.76% 3.99% 8.94% 5.77% 8.74% 7.89% -3.01% 6.94% 4.96% 8.74% 7.59% MainStay VP T. Rowe Price Equity Income Service Class 9 High 02/17/2012 02/17/2012-0.34% 3.27% 8.91% 14.47% 9.09% 9.04% 10.90% 1.91% 12.66% 8.38% 9.04% 10.65% Income MainStay VP Bond Service Class Moderate 06/02/2003 05/01/2011-0.65% -2.13% -1.77% 1.33% 2.07% 3.75% 2.35% -8.64% -0.99% 1.13% 3.75% 2.11% MainStay VP U.S. Government Money Market Current 7-day yield is 0.01% 8 Low 01/29/1993 05/01/2011 0.11% 0.93% 1.11% 0.46% 0.28% 0.17% 0.19% -5.89% -1.91% -0.73% 0.17% -0.08% MainStay VP Conservative Allocation Service Class Moderate 02/13/2006 05/01/2011-0.32% 0.32% 2.83% 6.13% 4.66% 6.59% 5.20% -4.17% 4.01% 3.81% 6.59% 5.00% MainStay VP Floating Rate Service Class Moderate 05/01/2005 05/01/2011 0.58% 3.42% 4.44% 4.49% 3.49% 4.51% 3.61% -2.56% 2.31% 2.61% 4.51% 3.40% MainStay VP MacKay Government Service Class Moderate 06/02/2003 05/01/2011-0.69% -1.86% -2.02% 0.08% 1.01% 2.48% 1.43% -8.88% -2.30% 0.03% 2.48% 1.19% MainStay VP MacKay High Yield Corporate Bond Service Class Moderate 06/02/2003 05/01/2011 0.18% 1.95% 2.75% 7.28% 5.25% 7.74% 5.93% -4.25% 5.21% 4.42% 7.74% 5.74% MainStay VP Indexed Bond Service Class Moderate 05/01/2017 05/01/2017-0.66% -2.21% -2.05% N/A N/A N/A -0.67% -8.91% N/A N/A N/A -5.63% MainStay VP PIMCO Real Return Service Class Moderate 02/17/2012 02/17/2012-1.04% -1.45% -0.34% 2.06% 0.75% 3.36% 0.29% -7.31% -0.23% -0.23% 3.36% -0.16% MainStay VP MacKay Unconstrained Bond Service Class Moderate 05/01/2011 05/01/2011 0.34% 0.50% 1.23% 3.94% 2.82% N/A 3.56% -5.77% 1.73% 1.91% N/A 3.34% BlackRock High Yield V.I. Fund Class III Shares Moderate 02/15/2012 05/01/2014 0.52% 2.37% 2.76% 6.66% 4.80% 8.19% 3.83% -4.24% 4.57% 3.95% 8.19% 2.82% Columbia Variable Portfolio Emerging Markets Bond Fund Class 2 Moderate 04/30/2012 05/01/2015 2.14% -4.70% -3.81% 6.31% 3.48% N/A 3.46% -10.54% 4.21% 2.59% N/A 1.81% PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class Moderate 05/01/2014 05/01/2014-0.09% 1.51% 2.36% 3.71% 4.53% 6.28% 4.07% -4.64% 1.50% 3.68% 6.28% 3.07% PIMCO VIT Low Duration Portfolio - Advisor Class Low 03/31/2006 05/02/2016 0.15% -0.18% -0.30% 0.86% 0.77% 2.84% 0.69% -7.28% -1.49% -0.22% 2.84% -2.24% PIMCO VIT Total Return Portfolio - Advisor Class Moderate 02/28/2006 05/01/2014-0.54% -1.69% -1.68% 1.95% 2.01% 4.65% 1.86% -8.56% -0.34% 1.07% 4.65% 0.78% 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 $50,000. The performance shown, therefore, would be slightly lower if your policy's Accumulation Value is less than $50,000. Charges for a ny 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 7%, declining to 1% by the 9th 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 Flexible Premium Variable Annuity II and described herein are diff erent from mutual funds that may have similar names but are available directly to the general public. Investment results may di ffer. *In most jurisdictions, the policy form number for the New York Life Flexible Premium Variable Annuity II is 210-594. Page 3 of 5
Average Annual Total Return as of September 30, 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 06/02/2003 05/01/2011 19.00% 16.19% 13.58% 11.23% 12.93% 12.00% 14.43% 12.97% 11.23% 12.81% MainStay VP MacKay Growth Service Class 9 High 06/02/2003 05/01/2011 27.68% 17.50% 12.85% 10.90% 11.20% 20.68% 15.79% 12.23% 10.90% 11.06% MainStay VP Cushing Renaissance Advantage Service Class Highest 05/01/2015 05/01/2015 9.68% 9.42% N/A N/A 0.64% 2.68% 7.43% N/A N/A -1.12% MainStay VP Growth Allocation Service Class High 02/13/2006 05/01/2011 8.86% 12.32% 8.27% 8.75% 8.34% 1.86% 10.44% 7.54% 8.75% 8.17% MainStay VP MacKay International Equity Service Class High 06/02/2003 05/01/2011 9.05% 11.56% 6.55% 5.87% 4.95% 2.05% 9.65% 5.76% 5.87% 4.75% MainStay VP Large Cap Growth Service Class High 06/02/2003 05/01/2011 30.06% 19.72% 15.44% 13.42% 13.44% 23.06% 18.07% 14.87% 13.42% 13.32% MainStay VP MacKay Mid Cap Core Service Class High 06/02/2003 05/01/2011 14.24% 13.22% 11.34% 12.00% 11.40% 7.24% 11.37% 10.68% 12.00% 11.27% MainStay VP MacKay S&P 500 Index Service Class 5 High 06/02/2003 05/01/2011 17.42% 16.72% 13.36% 11.40% 12.54% 10.42% 14.98% 12.75% 11.40% 12.41% MainStay VP MacKay Small Cap Core - Service Class High 05/02/2016 05/02/2016 12.57% N/A N/A N/A 17.23% 5.57% N/A N/A N/A 14.88% MainStay VP Epoch U.S. Small Cap Service Class High 06/02/2003 05/01/2011 8.73% 11.32% 8.67% 10.14% 9.32% 1.73% 9.41% 7.95% 10.14% 9.17% American Funds IS Global Small Cap Fund Class 4 High 12/14/2012 05/01/2015 11.68% 11.34% 7.89% 8.56% 7.06% 4.68% 9.42% 7.14% 8.56% 5.55% American Funds IS Growth Fund - Class 4 High 12/14/2012 11/13/2017 22.84% 20.43% 15.11% 12.74% 18.50% 15.84% 18.79% 14.54% 12.74% 11.50% American Funds IS New World Fund - Class 4 Highest 12/14/2012 05/01/2014-0.70% 10.67% 3.50% 5.71% 3.15% -7.65% 8.73% 2.62% 5.71% 2.12% ClearBridge Variable Appreciation Portfolio Class II High 02/28/2015 05/01/2017 16.39% 15.21% 11.96% 10.70% 15.17% 9.39% 13.43% 11.32% 10.70% 10.47% Columbia Variable Portfolio Commodity Strategy Fund Class 2 High 04/30/2013 05/01/2015 0.35% -0.31% -8.22% N/A -5.13% -6.65% -2.70% -9.16% N/A -6.83% Columbia Variable Portfolio Small Cap Value Fund Class 2 High 06/01/2000 05/01/2011 5.67% 16.54% 10.16% 9.65% 9.54% -1.33% 14.80% 9.47% 9.65% 9.39% Delaware VIP Small Cap Value - Service Class High 05/01/2000 11/13/2017 7.67% 15.23% 10.13% 11.23% 6.65% 0.67% 13.45% 9.44% 11.23% -0.35% Dreyfus IP Technology Growth Service Shares High 12/29/2000 05/01/2011 29.21% 24.02% 17.34% 16.38% 14.13% 22.21% 22.48% 16.80% 16.38% 14.02% Fidelity VIP Contrafund Service Class 2 High 01/12/2000 05/01/2011 16.64% 15.95% 12.49% 11.41% 11.28% 9.64% 14.18% 11.86% 11.41% 11.15% Fidelity VIP Emerging Markets Service Class 2 Highest 01/23/2008 05/01/2018-2.61% 12.28% 5.06% 4.92% -8.63% -9.43% 10.40% 4.23% 4.92% -15.03% Fidelity VIP Growth Opportunities Service Class 2 High 01/12/2000 05/01/2014 35.26% 22.99% 16.48% 16.22% 17.56% 28.26% 21.43% 15.93% 16.22% 16.90% Fidelity VIP Mid Cap Service Class 2 High 01/12/2000 05/01/2011 12.66% 13.78% 10.46% 11.00% 9.28% 5.66% 11.94% 9.78% 11.00% 9.13% Invesco V.I. American Value Fund - Series II High 05/05/2003 05/01/2013 13.46% 10.46% 7.80% 10.00% 9.11% 6.46% 8.51% 7.04% 10.00% 8.61% Invesco V.I. International Growth Fund - Series II High 09/19/2001 05/01/2014-1.53% 7.03% 3.70% 5.82% 2.34% -8.42% 4.95% 2.82% 5.82% 1.28% Janus Henderson VIT Enterprise Portfolio Service Shares High 12/31/1999 11/13/2017 21.64% 19.89% 15.63% 14.07% 17.63% 14.64% 18.25% 15.07% 14.07% 10.63% Janus Henderson VIT Global Research Portfolio Service Shares High 12/31/1999 05/01/2011 13.05% 13.04% 9.46% 8.85% 8.12% 6.05% 11.19% 8.76% 8.85% 7.95% MFS International Value Portfolio Service Class High 08/31/2001 05/01/2017 7.74% 12.14% 8.61% 9.54% 11.32% 0.74% 10.25% 7.89% 9.54% 6.55% MFS Research Series Service Class High 05/01/2000 05/01/2011 17.35% 16.24% 12.48% 11.33% 12.08% 10.35% 14.49% 11.85% 11.33% 11.95% Neuberger Berman AMT Mid-Cap Growth Class S High 02/18/2003 05/01/2011 22.47% 14.24% 11.66% 11.67% 10.99% 15.47% 12.43% 11.01% 11.67% 10.85% MainStay VP Eagle Small Cap Growth Service Class High 02/17/2012 05/01/2013 21.19% 18.03% 10.64% N/A 11.96% 14.19% 16.33% 9.96% N/A 11.51% MainStay VP Eagle Small Cap Growth Initial Class 6 High 02/17/2012 02/17/2012 21.49% 18.32% 10.91% N/A 11.72% 14.49% 16.63% 10.25% N/A 11.48% MainStay VP Emerging Markets Equity Service Class 9 Highest 02/17/2012 02/17/2012-6.91% 9.75% -0.34% N/A -1.10% -13.43% 7.78% -1.36% N/A -1.56% MainStay VP VanEck Global Hard Assets Initial Class Highest 02/17/2012 02/17/2012 1.54% 7.28% -5.71% -0.33% -4.73% -5.46% 5.22% -6.67% -0.33% -5.17% Morgan Stanley VIF U.S. Real Estate - Class II Highest 11/05/2002 05/01/2013 5.18% 5.79% 7.96% 6.54% 5.35% -1.82% 3.66% 7.22% 6.54% 4.76% Victory VIF Diversified Stock Class A Shares 9 High 07/01/1999 05/01/2011 12.42% 11.75% 9.35% 8.35% 9.54% 5.42% 9.85% 8.64% 8.35% 9.38% Equity and Income MainStay VP Balanced Service Class Moderate 05/01/2005 05/01/2011 6.23% 8.16% 7.24% 8.44% 7.73% -0.77% 6.13% 6.47% 8.44% 7.56% MainStay VP MacKay Convertible Service Class Moderate 06/02/2003 05/01/2011 12.96% 12.43% 8.86% 10.24% 7.78% 5.96% 10.55% 8.14% 10.24% 7.61% MainStay VP Epoch U.S. Equity Yield Service Class High 06/02/2003 05/01/2011 8.04% 10.36% 7.64% 8.71% 8.18% 1.04% 8.41% 6.88% 8.71% 8.02% MainStay VP Income Builder Service Class Moderate 06/02/2003 05/01/2011 2.35% 7.62% 6.12% 8.00% 7.01% -4.65% 5.56% 5.32% 8.00% 6.83% MainStay VP Absolute Return Multi-Strategy - Service Class 10 Moderate 05/01/2013 05/01/2013-4.93% -1.71% -4.74% N/A -2.94% -11.58% -4.06% -5.71% N/A -3.67% MainStay VP Moderate Allocation Service Class Moderate 02/13/2006 05/01/2011 5.10% 8.31% 6.03% 7.48% 6.41% -1.90% 6.28% 5.23% 7.48% 6.23% MainStay VP Moderate Growth Allocation Service Class High 02/13/2006 05/01/2011 7.36% 10.59% 7.33% 8.42% 7.58% 0.36% 8.65% 6.56% 8.42% 7.41% American Funds IS Asset Allocation Fund - Class 4 Moderate 12/14/2012 05/01/2018 7.08% 11.41% 8.38% 8.94% 4.67% 0.08% 9.49% 7.65% 8.94% -2.33% American Funds IS Blue Chip Income and Growth Fund - Class 4 High 12/14/2012 11/13/2017 12.63% 15.51% 12.36% 10.55% 11.51% 5.63% 13.73% 11.72% 10.55% 4.51% BlackRock Global Allocation V.I. Fund Class III Shares Moderate 11/18/2003 05/01/2011 2.40% 6.65% 4.55% 5.90% 4.13% -4.60% 4.56% 3.70% 5.90% 3.92% DWS Alternative Asset Allocation VIP - Class B Moderate 05/18/2009 05/02/2016-2.15% 2.22% 1.18% N/A 1.67% -9.00% -0.06% 0.21% N/A -1.23% MainStay VP Janus Henderson Balanced Initial Class 7 Moderate 02/17/2012 02/17/2012 13.83% 11.83% 9.41% N/A 9.82% 6.83% 9.94% 8.70% N/A 9.55% Fidelity VIP Equity-Income Service Class 2 High 01/12/2000 05/01/2011 7.92% 12.61% 8.77% 9.20% 9.41% 0.92% 10.74% 8.05% 9.20% 9.26% MainStay VP Janus Henderson Balanced Service Class Moderate 02/17/2012 02/17/2012 13.55% 11.56% 9.14% 9.70% 9.55% 6.55% 9.65% 8.42% 9.70% 9.28% MFS Investors Trust Series Service Class High 05/01/2000 05/01/2011 14.98% 14.86% 11.90% 10.49% 11.54% 7.98% 13.06% 11.25% 10.49% 11.40% MainStay VP MFS Utilities Service Class High 02/17/2012 02/17/2012 3.99% 8.94% 5.77% 8.74% 7.89% -3.01% 6.94% 4.96% 8.74% 7.59% MainStay VP T. Rowe Price Equity Income Service Class 9 High 02/17/2012 02/17/2012 8.91% 14.47% 9.09% 9.04% 10.90% 1.91% 12.66% 8.38% 9.04% 10.65% Income MainStay VP Bond Service Class Moderate 06/02/2003 05/01/2011-1.77% 1.33% 2.07% 3.75% 2.35% -8.64% -0.99% 1.13% 3.75% 2.11% MainStay VP U.S. Government Money Market Current 7-day yield is 0.01% 8 Low 01/29/1993 05/01/2011 1.11% 0.46% 0.28% 0.17% 0.19% -5.89% -1.91% -0.73% 0.17% -0.08% MainStay VP Conservative Allocation Service Class Moderate 02/13/2006 05/01/2011 2.83% 6.13% 4.66% 6.59% 5.20% -4.17% 4.01% 3.81% 6.59% 5.00% MainStay VP Floating Rate Service Class Moderate 05/01/2005 05/01/2011 4.44% 4.49% 3.49% 4.51% 3.61% -2.56% 2.31% 2.61% 4.51% 3.40% MainStay VP MacKay Government Service Class Moderate 06/02/2003 05/01/2011-2.02% 0.08% 1.01% 2.48% 1.43% -8.88% -2.30% 0.03% 2.48% 1.19% MainStay VP MacKay High Yield Corporate Bond Service Class Moderate 06/02/2003 05/01/2011 2.75% 7.28% 5.25% 7.74% 5.93% -4.25% 5.21% 4.42% 7.74% 5.74% MainStay VP Indexed Bond Service Class Moderate 05/01/2017 05/01/2017-2.05% N/A N/A N/A -0.67% -8.91% N/A N/A N/A -5.63% MainStay VP PIMCO Real Return Service Class Moderate 02/17/2012 02/17/2012-0.34% 2.06% 0.75% 3.36% 0.29% -7.31% -0.23% -0.23% 3.36% -0.16% MainStay VP MacKay Unconstrained Bond Service Class Moderate 05/01/2011 05/01/2011 1.23% 3.94% 2.82% N/A 3.56% -5.77% 1.73% 1.91% N/A 3.34% BlackRock High Yield V.I. Fund Class III Shares Moderate 02/15/2012 05/01/2014 2.76% 6.66% 4.80% 8.19% 3.83% -4.24% 4.57% 3.95% 8.19% 2.82% Columbia Variable Portfolio Emerging Markets Bond Fund Class 2 Moderate 04/30/2012 05/01/2015-3.81% 6.31% 3.48% N/A 3.46% -10.54% 4.21% 2.59% N/A 1.81% PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class Moderate 05/01/2014 05/01/2014 2.36% 3.71% 4.53% 6.28% 4.07% -4.64% 1.50% 3.68% 6.28% 3.07% PIMCO VIT Low Duration Portfolio - Advisor Class Low 03/31/2006 05/02/2016-0.30% 0.86% 0.77% 2.84% 0.69% -7.28% -1.49% -0.22% 2.84% -2.24% PIMCO VIT Total Return Portfolio - Advisor Class Moderate 02/28/2006 05/01/2014-1.68% 1.95% 2.01% 4.65% 1.86% -8.56% -0.34% 1.07% 4.65% 0.78% 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 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 $50,000. The performance shown, therefore, would be slightly lower if your policy's Accumulation Value is less than $50,000. Charges for a ny 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 7%, declining to 1% by the 9th 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 Flexible Premium Variable Annuity II and described herein are diff erent from mutual funds that may have similar names but are available directly to the general public. Investment results may di ffer. *In most jurisdictions, the policy form number for the New York Life Flexible Premium Variable Annuity II is 210-594. Page 5 of 5