New York Life Premier Variable Annuity II Performance ...

New York Life Premier Variable Annuity II Performance Summary Accumulation Value Based M&E Structure

As of July 31, 2019 For Policies Applied for on or After May 1, 2016

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 and MainStay VP Mellon Natural Resources ? 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, 2018. 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 Premier Variable Annuity II was first offered for sale on May 1, 2015. Certain Portfolios and Investment Divisions existed prior to the 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. This version of the New York Life Premier Variable Annuity II invests in the New York Life Insurance and Annuity Corporation (NYLIAC) Separate Account III. 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 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. 7 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 Invest ment 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 ServiceClass versions of these Investment Divisions impose a 12b-1 fee. 8 On May 1, 2019, MainStay VP Epoch U.S. Small Cap merged into MainStay VP MacKay Small Cap Core. 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. 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

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New York Life Premier Variable Annuity II Performance Summary Accumulation Value Based M&E Charge Structure

Average Annual Total Return as of July 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

Investment Divisions1

Volatility/ Inception

Risk Level3

Date

Inception Date1

Date

(Updated Monthly)

1 Year4

3 Year4

5 Year4

10 Year4

Division Inception

1 Year4

3 Year4

5 Year4

10 Year4

Division Inception

Equity

MainStay VP MacKay Common Stock ? Service Class MainStay VP MacKay Growth ? Service Class7

High High

06/02/2003 05/01/2016 1.29% 06/02/2003 05/01/2016 2.52%

15.82% 19.27%

2.31% 3.08%

10.13% 12.83%

8.21% 9.19%

11.69% 10.23%

10.79% 13.21%

-5.69% -4.92%

8.45% 11.24%

7.62% 8.62%

11.69% 10.23%

9.55% 12.03%

MainStay VP Cushing Renaissance Advantage -- Service Class

Highest 05/01/2015 05/01/2016 -4.28% 8.19% -19.65% -1.34%

N/A

N/A

-1.49% -26.08% -3.35%

N/A

N/A

-3.04%

MainStay VP Growth Allocation ? Service Class

High

02/13/2006 05/01/2016 0.50% 15.36% -2.13% 7.19% 4.35%

8.41%

7.80%

-9.96%

5.42%

3.66%

8.41%

6.48%

MainStay VP MacKay International Equity ? Service Class

High

06/02/2003 05/01/2016 -0.83% 10.95% -7.49% 4.85% 3.31%

3.99%

6.13% -14.89% 3.00%

2.60%

3.99%

4.76%

MainStay VP Large Cap Growth ? Service Class

High

06/02/2003 05/01/2016 1.46% 23.92% 9.59% 16.87% 12.41% 13.40% 17.17%

1.59%

15.38% 11.90% 13.40% 16.08%

MainStay VP MacKay Mid Cap Core ? Service Class MainStay VP MacKay S&P 500 Index ? Service Class5 MainStay VP MacKay Small Cap Core - Service Class8 American Funds IS Global Small Cap Fund? ? Class 4

High High High High

06/02/2003 06/02/2003 05/01/2016 12/14/2012

05/01/2016 05/01/2016 05/01/2016 05/01/2016

1.68% 1.29% -0.10% 0.68%

16.56% 19.12% 10.86% 20.17%

-1.30% 6.28% -14.11% 2.14%

6.87% 11.49% 5.29% 9.64%

5.75% 9.47%

N/A 5.31%

11.74% 12.10%

N/A 8.06%

7.87% 12.10% 6.56% 9.81%

-9.19% -1.72% -20.98% -5.86%

5.09% 9.86% 3.46% 7.95%

5.10% 8.91%

N/A 4.65%

11.74% 12.10%

N/A 8.06%

6.56% 10.90% 5.20% 8.55%

American Funds IS Growth Fund - Class 4

High

12/14/2012 11/13/2017 0.90% 16.87% 3.49% 14.40% 11.60% 12.65%

9.80%

-4.51% 12.85% 11.08% 12.65%

5.93%

American Funds IS New World Fund - Class 4

Highest 12/14/2012 05/01/2016 0.23% 18.53% 2.67% 7.80% 2.33%

5.11%

8.94%

-5.33%

6.06%

1.59%

5.11%

7.65%

ClearBridge Variable Appreciation Portfolio -- Class II

High

02/27/2015 05/01/2017 1.38% 18.81% 9.78% 11.34% 9.40% 11.36% 11.43%

1.78%

9.70%

8.84%

11.36%

9.07%

Columbia Variable Portfolio -- Commodity Strategy Fund -- Class 2

High

04/30/2013 05/01/2016 -0.85% 3.53% -8.69% -3.10% -10.35%

N/A

-3.00% -16.00% -5.08% -11.08%

N/A

-4.53%

Columbia Variable Portfolio ? Small Cap Value Fund -- Class 2

High

06/01/2000 05/01/2016 0.21% 12.19% -12.54% 6.76% 5.11%

9.01%

7.30% -19.53% 4.97%

4.45%

9.01%

5.97%

Delaware VIP Small Cap Value - Service Class

High

05/01/2000 11/13/2017 1.61% 18.23% -5.34% 7.88% 5.69% 11.27%

0.50% -12.91% 6.13%

5.04%

11.27%

-3.63%

BNY Mellon IP Technology Growth ? Service Shares

High

12/29/2000 05/01/2016 2.19% 22.06% 5.80% 18.25% 13.55% 14.70% 18.99% -2.20% 16.81% 13.07% 14.70% 17.94%

Fidelity? VIP Contrafund? ? Service Class 2

High

01/12/2000 05/01/2016 1.52% 21.26% 6.29% 11.24% 8.56% 11.37% 11.58% -1.71%

9.60%

7.98%

11.37% 10.36%

Fidelity? VIP Emerging Markets ? Service Class 2

Highest 01/23/2008 05/01/2018 -1.36% 17.55% 1.32% 8.77% 3.32%

4.42%

-2.41%

-6.68%

7.05%

2.61%

4.42%

-7.92%

Fidelity? VIP Growth Opportunities ? Service Class 2 Fidelity? VIP Health Care -- Service Class 2 Fidelity? VIP International Index -- Service Class 2

High High High

01/12/2000 04/30/2019 04/16/2018

05/01/2016 05/01/2019 05/01/2019

1.92% -0.04% -1.99%

27.60% 11.97% 10.22%

20.47% 1.83% -4.47%

22.99% 9.46%

N/A

16.28% 9.15%

N/A

17.17% 16.40%

N/A

22.46% 7.66% -1.66%

12.47% -6.17% -12.11%

21.66% 7.76%

N/A

15.83% 8.58%

N/A

17.17% 16.40%

N/A

21.47% -0.34% -9.53%

Fidelity? VIP Mid Cap ? Service Class 2

High

01/12/2000 05/01/2016 -0.27% 16.25% -6.17% 6.95% 5.38%

9.68%

7.71% -13.67% 5.17%

4.73%

9.68%

6.39%

Invesco V.I. American Value Fund - Series II

High

05/05/2003 05/01/2016 0.90% 16.40% -6.20% 5.22% 2.84%

9.96%

6.05% -13.70% 3.38%

2.12%

9.96%

4.69%

Invesco V.I. International Growth Fund - Series II

High

09/19/2001 05/01/2016 -0.78% 18.12% 2.90% 4.90% 1.59%

5.65%

4.61%

-5.10%

3.05%

0.83%

5.65%

3.19%

Janus Henderson VIT Enterprise Portfolio ? Service Shares

High

12/31/1999 11/13/2017 1.60% 27.68% 13.74% 16.72% 14.21% 15.34% 15.42%

5.74%

15.23% 13.74% 15.34% 11.68%

Janus Henderson VIT Global Research Portfolio ? Service Shares

High

12/31/1999 05/01/2016 -0.21% 17.21% 2.31% 10.08% 6.03%

8.37%

10.23% -5.69%

8.40%

5.39%

8.37%

8.98%

MFS? International Intrinsic Value Portfolio ? Service Class

High

08/24/2001 05/01/2017 -1.50% 14.48% 1.63% 6.86% 6.18%

8.62%

6.82%

-6.37%

5.08%

5.54%

8.62%

4.33%

MFS? Research Series ? Service Class

High

05/01/2000 05/01/2016 2.00% 22.91% 8.84% 12.32% 9.70% 11.98% 13.00%

0.84%

10.71%

9.14%

11.98% 11.82%

Neuberger Berman AMT Mid-Cap Growth ? Class S

High

02/18/2003 05/01/2016 2.82% 28.93% 9.97% 13.98% 10.23% 12.87% 14.37%

1.97%

12.42%

9.68%

12.87% 13.22%

MainStay VP Eagle Small Cap Growth ? Service Class MainStay VP Emerging Markets Equity ? Service Class7

High

02/17/2012 05/01/2016 1.84% 20.87% -0.19% 10.52% 8.26%

N/A

12.54% -8.17%

8.85%

7.67%

N/A

11.34%

Highest 02/17/2012 05/01/2016 -2.20% 8.93% -7.36% 5.34% -2.60%

N/A

6.98% -14.77% 3.50%

-3.39%

N/A

5.63%

MainStay VP Mellon Natural Resources ? Initial Class

Highest 02/17/2012 05/01/2016 -1.80%

9.65% -20.49% -6.51% -12.25% -2.48%

-5.08% -26.85% -8.42% -12.96% -2.48%

-6.57%

Morgan Stanley VIF U.S. Real Estate - Class II Victory VIF Diversified Stock ? Class A Shares7

Highest High

11/05/2002 05/01/2016 0.87% 07/01/1999 05/01/2016 1.58%

13.20% 17.11%

2.49% 1.14%

-0.97% 7.88%

4.11% 5.21%

10.80% 8.76%

1.76% 8.33%

-5.51% -6.86%

-2.99% 6.13%

3.42% 4.55%

10.80% 8.76%

0.25% 7.03%

Equity and Income

MainStay VP Balanced ? Service Class

Moderate 05/01/2005 05/01/2016 0.32% 11.37% 1.26% 3.98% 3.76%

7.52%

4.66%

-6.74%

2.09%

3.06%

7.52%

3.24%

MainStay VP MacKay Convertible ? Service Class

Moderate 06/02/2003 05/01/2016 1.80% 17.42% 6.98% 9.18% 6.51%

9.02%

10.10% -1.02%

7.48%

5.88%

9.02%

8.84%

MainStay VP Epoch U.S. Equity Yield ? Service Class

High

06/02/2003 05/01/2016 0.59% 14.39% 6.52% 8.14% 5.34%

9.19%

8.99%

-1.48%

6.40%

4.68%

9.19%

7.70%

MainStay VP Income Builder ? Service Class

Moderate 06/02/2003 05/01/2016 0.03% 10.48% 4.74% 4.43% 3.52%

7.81%

5.44%

-3.26%

2.56%

2.82%

7.81%

4.05%

MainStay VP IQ Hedge Multi-Strategy - Service Class

Moderate 05/01/2013 05/01/2016 -0.36% 4.11% -0.12% -1.83% -4.86%

N/A

-1.09%

-8.11%

-3.84%

-5.64%

N/A

-2.64%

MainStay VP Moderate Allocation?Service Class

Moderate 02/13/2006 05/01/2016 0.37% 11.63% 0.63% 4.86% 3.27%

6.53%

5.44%

-7.37%

3.01%

2.55%

6.53%

4.05%

MainStay VP Moderate Growth Allocation?Service Class

High

02/13/2006 05/01/2016 0.42% 13.53% -1.14% 6.14% 3.86%

7.66%

6.72%

-9.05%

4.33%

3.17%

7.66%

5.37%

American Funds IS Asset Allocation Fund - Class 4

Moderate 12/14/2012 05/01/2018 0.88% 12.19% 2.90% 7.09% 6.00%

8.68%

5.28%

-5.10%

5.31%

5.36%

8.68%

-0.28%

American Funds IS Blue Chip Income and Growth Fund - Class 4

High

12/14/2012 11/13/2017 0.13% 10.33% -3.28% 5.91% 6.57% 10.34%

3.01% -11.02% 4.10%

5.94%

10.34%

-1.05%

BlackRock? Global Allocation V.I. Fund ? Class III Shares

Moderate 11/18/2003 05/01/2016 -0.47% 9.49%

0.44% 4.05% 2.20%

4.56%

4.32%

-7.56%

2.17%

1.46%

4.56%

2.90%

DWS Alternative Asset Allocation VIP - Class B

Moderate 05/18/2009 05/01/2016 0.28%

9.21%

2.40% 0.37% -0.57%

2.21%

1.21%

-5.60%

-1.66%

-1.38%

2.21%

-0.32%

Fidelity? VIP Equity-Income ? Service Class 2 Fidelity? VIP FundsManager? 60% -- Service Class

High

01/12/2000 05/01/2016 0.40%

Moderate 08/22/2007 05/01/2019 0.20%

15.73% 12.20%

3.23% 2.18%

7.67% 5.97%

5.53% 4.52%

9.89% 6.82%

8.43% 1.70%

-4.77% -5.82%

5.91% 4.16%

4.87% 3.84%

9.89% 6.82%

7.13% -6.30%

MainStay VP Janus Henderson Balanced ? Service Class

Moderate 02/17/2012 05/01/2016 1.33% 13.68% 7.48% 9.95% 6.90%

8.27%

10.08% -0.52%

8.27%

6.28%

8.27%

8.83%

MFS? Investors Trust Series ? Service Class MainStay VP Fidelity Institutional AM? Utilities ? Service Class MainStay VP T. Rowe Price Equity Income ? Service Class7

High High High

05/01/2000 02/17/2012 02/17/2012

05/01/2016 05/01/2016 05/01/2016

2.10% -0.61% 1.13%

22.31% 12.32% 16.25%

8.50% 7.29% 1.56%

12.13% 6.31% 8.48%

9.40% 3.24% 5.74%

11.25% 8.66% 9.76%

12.60% 7.39% 8.95%

0.50% -0.71% -6.44%

10.51% 4.51% 6.75%

8.84% 2.53% 5.09%

11.25% 8.66% 9.76%

11.41% 6.06% 7.66%

Income

MainStay VP Bond ? Service Class MainStay VP U.S. Government Money Market ? Current 7-day yield is -1.33%6

Moderate 06/02/2003 05/01/2016 0.16%

Low

01/29/1993 05/01/2016 0.06%

5.99% 0.45%

6.42% 0.65%

0.63% -0.21%

1.58% -0.60%

2.47% -0.89%

1.36% -0.28%

-1.58% -7.35%

-1.38% -2.25%

0.82% -1.41%

2.47% -0.89%

-0.16% -1.85%

MainStay VP Conservative Allocation ? Service Class

Moderate 02/13/2006 05/01/2016 0.32%

9.60%

1.73% 3.46% 2.51%

5.37%

4.08%

-6.27%

1.56%

1.78%

5.37%

2.65%

MainStay VP Floating Rate ? Service Class

Moderate 05/01/2005 05/01/2016 0.60%

5.29%

2.03% 2.85% 2.04%

3.10%

3.10%

-5.97%

0.92%

1.29%

3.10%

1.64%

MainStay VP MacKay Government ? Service Class

Moderate 06/02/2003 05/01/2016 -0.01% 3.20%

4.10% -0.23% 0.40%

1.14%

0.11%

-3.90%

-2.27%

-0.40%

1.14%

-1.45%

MainStay VP MacKay High Yield Corporate Bond ? Service Class

Moderate 06/02/2003 05/01/2016 0.18%

8.24%

4.93% 4.80% 3.69%

6.39%

5.79%

-3.07%

2.95%

2.99%

6.39%

4.41%

MainStay VP Indexed Bond ? Service Class

Moderate 05/01/2017 05/01/2017 0.06%

5.31%

6.02%

N/A

N/A

N/A

1.58%

-1.98%

N/A

N/A

N/A

-1.08%

MainStay VP PIMCO Real Return ? Service Class

Moderate 02/17/2012 05/01/2016 0.17%

6.04%

3.44% 0.52% -0.18%

2.23%

1.18%

-4.56%

-1.50%

-0.99%

2.23%

-0.35%

MainStay VP MacKay Unconstrained Bond ? Service Class

Moderate 05/01/2011 05/01/2016 0.30%

4.25%

2.35% 2.05%

0.93%

N/A

2.46%

-5.65%

0.09%

0.15%

N/A

0.98%

BlackRock? High Yield V.I. Fund ? Class III Shares

Moderate 02/15/2012 05/01/2016 0.61%

9.83%

4.71% 5.05% 3.05%

7.11%

5.45%

-3.29%

3.21%

2.34%

7.11%

4.06%

Columbia Variable Portfolio -- Emerging Markets Bond Fund -- Class 2

Moderate 04/30/2012 05/01/2016 1.54% 11.96% 7.31% 3.46% 2.36%

N/A

4.87%

-0.69%

1.56%

1.62%

N/A

3.46%

PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class

Moderate 05/01/2014 05/01/2016 0.83%

5.85%

5.60% 2.40% 3.25%

4.75%

3.32%

-2.40%

0.45%

2.53%

4.75%

1.87%

PIMCO VIT Low Duration Portfolio - Advisor Class

Low

03/31/2006 05/01/2016 -0.27%

1.92%

1.86% 0.27% -0.07%

0.96%

0.24%

-6.14%

-1.76%

-0.89%

0.96%

-1.32%

PIMCO VIT Total Return Portfolio - Advisor Class

Moderate 02/28/2006 05/01/2016 -0.14% 5.33%

5.79% 1.29% 1.69%

2.75%

2.01%

-2.21%

-0.70%

0.93%

2.75%

0.51%

Please read the important disclosures regarding the product performance on the following page.

Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volat ility, current perPfoargme a2nocfe5may be lower or higher than the figures shown. The investment return and the Accumulation Value of your policy will

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 . All performance reflects the percentage change for the period shown, with capital gains and dividends reinvested and includes an annualized Mortality and Expense Risk and Administrative Costs Charge of 1.20% during the surrender charge period for the ini tial premium and 1.00% after the surrender charge period for the initial premium and Fund Company Expenses. An Annual Policy Service Charge of $30 is not included, 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 Surrende r Charge for each premium payment is 8%, declining to 2% by the 7th 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 59?, 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 Premier Variable Annuity II and described herein are different fro m mutual funds that may have similar names but are available directly to the general public. Investment results may differ. In most jurisdictions, the policy form number for the New York Life Premier Variable Annuity II is ICC15 -P301.

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New York Life Premier Variable Annuity II Performance Summary Accumulation Value Based M&E Charge Structure

Average Annual Total Return as of June 30, 2019 (Updated Quarterly)

Non-Standardized (Assuming No Surrender)2

Standardized (Assuming Surrender)

Investment

Since

Since

Portfolio

Division

Investment

Investment

Investment Divisions1

Volatility/ Inception

Risk Level3

Date

Inception Date1

1 Year4

3 Year4

5 Year4

10 Year4

Division Inception

1 Year4

3 Year4

5 Year4

10 Year4

Division Inception

Equity

MainStay VP MacKay Common Stock ? Service Class MainStay VP MacKay Growth ? Service Class7

High High

06/02/2003 05/01/2016 4.17% 06/02/2003 05/01/2016 2.94%

10.87% 13.97%

7.71% 8.18%

12.34% 10.62%

10.65% 12.70%

-3.83% -5.06%

9.22% 12.41%

7.11% 7.59%

12.34% 10.62%

9.36% 11.46%

MainStay VP Cushing Renaissance Advantage -- Service Class

Highest 05/01/2015 05/01/2016 -14.41% 0.78%

N/A

N/A

-0.16% -21.26% -1.23%

N/A

N/A

-1.77%

MainStay VP Growth Allocation ? Service Class

High

02/13/2006 05/01/2016 -0.20% 8.53%

3.81% 9.18% 7.85% -8.18%

6.80%

3.11%

9.18%

6.48%

MainStay VP MacKay International Equity ? Service Class

High

06/02/2003 05/01/2016 -4.03% 6.49%

2.61% 4.74% 6.58% -11.71% 4.69%

1.88%

4.74%

5.18%

MainStay VP Large Cap Growth ? Service Class

MainStay VP MacKay Mid Cap Core ? Service Class MainStay VP MacKay S&P 500 Index ? Service Class5 MainStay VP MacKay Small Cap Core - Service Class8 American Funds IS Global Small Cap Fund? ? Class 4

High High High High High

06/02/2003 06/02/2003 06/02/2003 05/01/2016 12/14/2012

05/01/2016 05/01/2016 05/01/2016 05/01/2016 05/01/2016

10.24% -1.81% 8.68% -13.70% 1.42%

18.17% 7.89% 12.31% 7.12% 11.28%

11.80% 4.85% 8.86%

N/A 4.21%

14.01% 12.54% 12.76%

N/A 8.85%

17.13% 7.53% 11.99% 6.77% 9.85%

2.24% -9.67% 0.68% -20.60% -6.58%

16.72% 6.14% 10.70% 5.34% 9.64%

11.28% 4.18% 8.28%

N/A 3.53%

14.01% 12.54% 12.76%

N/A 8.85%

15.99% 6.16% 10.74% 5.38% 8.55%

American Funds IS Growth Fund - Class 4

High

12/14/2012 11/13/2017 4.43% 15.74% 10.81% 13.46% 9.73% -3.57% 14.23% 10.28% 13.46%

5.62%

American Funds IS New World Fund - Class 4

Highest 12/14/2012 05/01/2016 5.14%

9.32%

2.01% 6.00%

9.11%

-2.86%

7.62%

1.26%

6.00%

7.78%

ClearBridge Variable Appreciation Portfolio -- Class II Columbia Variable Portfolio -- Commodity Strategy Fund -- Class 2 Columbia Variable Portfolio ? Small Cap Value Fund -- Class 2

High High High

02/27/2015 04/30/2013 06/01/2000

05/01/2017 05/01/2016 05/01/2016

13.24% -9.86% -12.00%

11.72% -4.51% 8.81%

8.74% -11.13% 3.70%

11.91% N/A

10.13%

11.19% -2.82% 7.43%

5.24% -17.07% -19.04%

10.09% -6.46% 7.10%

8.16% -11.85% 3.00%

11.91% N/A

10.13%

8.71% -4.39% 6.06%

Delaware VIP Small Cap Value - Service Class

High

05/01/2000 11/13/2017 -5.40% 8.41%

4.40% 12.38% -0.45% -12.97% 6.68%

3.72%

12.38%

-4.79%

BNY Mellon IP Technology Growth ? Service Shares

High

12/29/2000 05/01/2016 3.18% 19.99% 12.69% 15.22% 18.73% -4.82% 18.58% 12.19% 15.22% 17.63%

Fidelity? VIP Contrafund? ? Service Class 2 Fidelity? VIP Emerging Markets ? Service Class 2 Fidelity? VIP Growth Opportunities ? Service Class 2 Fidelity? VIP Health Care -- Service Class 2 Fidelity? VIP International Index -- Service Class 2

High Highest

High High High

01/12/2000 01/23/2008 01/12/2000 04/30/2019 04/16/2018

05/01/2016 05/01/2018 05/01/2016 05/01/2019 05/01/2019

7.51% 3.87% 19.71% 5.43%

-0.29%

12.11% 10.48% 24.64% 11.94%

N/A

7.80% 3.58% 15.10% 9.13%

N/A

12.16% 5.68% 17.87% 17.00%

N/A

11.38% -1.43% 22.39% 7.71%

0.33%

-0.49% -4.13% 11.71% -2.57%

-8.27%

10.50% 8.82% 23.34% 10.32%

N/A

7.21% 2.88% 14.64% 8.56%

N/A

12.16% 5.68% 17.87% 17.00%

N/A

10.11% -7.39% 21.36% -0.29%

-7.67%

Fidelity? VIP Mid Cap ? Service Class 2

High

01/12/2000 05/01/2016 -3.96% 8.78%

4.76% 10.53% 8.02% -11.64% 7.06%

4.09%

10.53%

6.66%

Invesco V.I. American Value Fund - Series II

High

05/05/2003 05/01/2016 -4.94% 6.48%

2.13% 10.84% 5.92% -12.55% 4.68%

1.38%

10.84%

4.51%

Invesco V.I. International Growth Fund - Series II

High

09/19/2001 05/01/2016 6.56%

6.35%

1.37% 6.46% 4.99% -1.44%

4.55%

0.60%

6.46%

3.55%

Janus Henderson VIT Enterprise Portfolio ? Service Shares

High

12/31/1999 11/13/2017 15.63% 17.86% 13.30% 16.13% 15.15% 7.63%

16.40% 12.81% 16.13% 11.17%

Janus Henderson VIT Global Research Portfolio ? Service Shares MFS? International Intrinsic Value Portfolio ? Service Class MFS? Research Series ? Service Class

High High High

12/31/1999 08/24/2001 05/01/2000

05/01/2016 05/01/2017 05/01/2016

5.88% 5.04% 10.33%

11.82% 8.63% 12.86%

5.67% 5.92% 8.87%

9.22% 9.67% 12.66%

10.59% 7.85% 12.67%

-2.12% -2.96% 2.33%

10.20% 6.91% 11.26%

5.02% 5.27% 8.30%

9.22% 9.67% 12.66%

9.31% 5.27% 11.43%

Neuberger Berman AMT Mid-Cap Growth ? Class S

High

02/18/2003 05/01/2016 9.33% 14.76% 8.85% 13.12% 13.78% 1.33%

13.22%

8.28%

13.12% 12.57%

MainStay VP Eagle Small Cap Growth ? Service Class MainStay VP Emerging Markets Equity ? Service Class7

High

02/17/2012 05/01/2016 -0.61% 12.36% 6.47%

N/A

12.25% -8.56%

10.76%

5.84%

N/A

11.00%

Highest 02/17/2012 05/01/2016 -4.00% 7.64% -1.87%

N/A

7.93% -11.68% 5.88%

-2.66%

N/A

6.57%

MainStay VP Mellon Natural Resources ? Initial Class

Highest 02/17/2012 05/01/2016 -20.10% -5.04% -12.44% -1.56% -4.67% -26.49% -6.98% -13.16% -1.56%

-6.20%

Morgan Stanley VIF U.S. Real Estate - Class II Victory VIF Diversified Stock ? Class A Shares7

Highest High

11/05/2002 05/01/2016 2.42% 07/01/1999 05/01/2016 2.49%

0.09% 8.25%

3.87% 4.69%

11.68% 9.39%

1.53% 8.03%

-5.58% -5.51%

-1.95% 6.52%

3.17% 4.01%

11.68% 9.39%

-0.03% 6.67%

Equity and Income

MainStay VP Balanced ? Service Class MainStay VP MacKay Convertible ? Service Class MainStay VP Epoch U.S. Equity Yield ? Service Class

Moderate Moderate

High

05/01/2005 06/02/2003 06/02/2003

05/01/2016 05/01/2016 05/01/2016

2.57% 6.36% 9.36%

4.66% 10.19% 9.34%

3.32% 5.68% 4.84%

8.03% 9.58% 9.97%

4.68% 9.76% 9.04%

-5.43% -1.64% 1.36%

2.80% 8.51% 7.65%

2.61% 5.03% 4.17%

8.03% 9.58% 9.97%

3.22% 8.45% 7.71%

MainStay VP Income Builder ? Service Class

Moderate 06/02/2003 05/01/2016 6.94%

5.22%

3.10% 8.29%

5.57%

-1.06%

3.38%

2.39%

8.29%

4.15%

MainStay VP IQ Hedge Multi-Strategy - Service Class

Moderate 05/01/2013 05/01/2016 1.00% -1.18% -5.21%

N/A

-1.00% -7.00%

-3.20%

-5.98%

N/A

-2.60%

MainStay VP Moderate Allocation?Service Class MainStay VP Moderate Growth Allocation?Service Class

Moderate 02/13/2006 05/01/2016 2.01%

High

02/13/2006 05/01/2016 0.60%

5.79% 7.30%

2.92% 3.39%

7.11% 8.35%

5.46% 6.76%

-5.99% -7.40%

3.97% 5.54%

2.19% 2.68%

7.11% 8.35%

4.03% 5.37%

American Funds IS Asset Allocation Fund - Class 4

Moderate 12/14/2012 05/01/2018 4.29%

7.56%

5.38% 9.27%

4.89%

-3.71%

5.80%

4.72%

9.27%

-1.11%

American Funds IS Blue Chip Income and Growth Fund - Class 4

High

12/14/2012 11/13/2017 -0.39% 7.05%

6.31% 11.14% 3.09% -8.36%

5.27%

5.67%

11.14%

-1.19%

BlackRock? Global Allocation V.I. Fund ? Class III Shares

Moderate 11/18/2003 05/01/2016 2.71%

5.18%

2.08% 5.10%

4.59%

-5.29%

3.34%

1.33%

5.10%

3.14%

DWS Alternative Asset Allocation VIP - Class B Fidelity? VIP Equity-Income ? Service Class 2 Fidelity? VIP FundsManager? 60% -- Service Class

Moderate High

Moderate

05/18/2009 01/12/2000 08/22/2007

05/01/2016 05/01/2016 05/01/2019

2.16% 7.40% 3.33%

0.45% 8.80% 6.80%

-0.85% 5.01% 4.09%

2.61% 10.78% 7.39%

1.15% 8.53% 1.49%

-5.84% -0.60% -4.67%

-1.58% 7.08% 5.01%

-1.66% 4.35% 3.40%

2.61% 10.78% 7.39%

-0.42% 7.18% -6.51%

MainStay VP Janus Henderson Balanced ? Service Class

MFS? Investors Trust Series ? Service Class MainStay VP Fidelity Institutional AM? Utilities ? Service Class MainStay VP T. Rowe Price Equity Income ? Service Class7

Moderate High High High

02/17/2012 05/01/2000 02/17/2012 02/17/2012

05/01/2016 05/01/2016 05/01/2016 05/01/2016

8.44% 11.04% 10.36%

3.90%

10.55% 12.89% 6.82%

9.23%

6.38% 8.52% 2.41%

4.94%

8.74% 11.80% 9.36%

10.57%

9.91% 12.22% 7.81%

8.81%

0.44% 3.04% 2.36%

-4.10%

8.89% 11.30% 5.04%

7.52%

5.75% 7.94% 1.67%

4.27%

8.74% 11.80% 9.36%

10.57%

8.60% 10.97% 6.44%

7.47%

Income

MainStay VP Bond ? Service Class MainStay VP U.S. Government Money Market ? Current 7-day yield is -1.33%6

Moderate 06/02/2003 05/01/2016 6.21%

Low

01/29/1993 05/01/2016 0.61%

0.85% -0.26%

1.47% -0.63%

2.68% -0.90%

1.35% -0.31%

-1.79% -7.39%

-1.16% -2.30%

0.70% -1.44%

2.68% -0.90%

-0.21% -1.91%

MainStay VP Conservative Allocation ? Service Class MainStay VP Floating Rate ? Service Class

Moderate 02/13/2006 05/01/2016 2.63% Moderate 05/01/2005 05/01/2016 1.94%

4.17% 3.05%

2.23% 1.90%

5.85% 3.35%

4.09% 2.99%

-5.37% -6.06%

2.29% 1.13%

1.49% 1.15%

5.85% 3.35%

2.62% 1.48%

MainStay VP MacKay Government ? Service Class

Moderate 06/02/2003 05/01/2016 3.79% -0.21% 0.33% 1.23% 0.12% -4.21% -2.25%

-0.47%

1.23%

-1.49%

MainStay VP MacKay High Yield Corporate Bond ? Service Class

Moderate 06/02/2003 05/01/2016 5.75%

5.53%

3.40% 6.90%

5.88%

-2.25%

3.71%

2.69%

6.90%

4.47%

MainStay VP Indexed Bond ? Service Class MainStay VP PIMCO Real Return ? Service Class MainStay VP MacKay Unconstrained Bond ? Service Class

Moderate Moderate Moderate

05/01/2017 02/17/2012 05/01/2011

05/01/2017 05/01/2016 05/01/2016

5.80% 2.82% 2.60%

N/A 0.78% 2.64%

N/A -0.21% 0.71%

N/A 2.33%

N/A

1.62% 1.15% 2.43%

-2.20% -5.18% -5.40%

N/A -1.23% 0.71%

N/A -1.02% -0.08%

N/A 2.33%

N/A

-1.15% -0.41% 0.90%

BlackRock? High Yield V.I. Fund ? Class III Shares

Moderate 02/15/2012 05/01/2016 5.29%

5.51%

2.60% 7.71%

5.40%

-2.71%

3.68%

1.87%

7.71%

3.96%

Columbia Variable Portfolio -- Emerging Markets Bond Fund -- Class 2

Moderate 04/30/2012 05/01/2016 7.97%

3.55%

2.03%

N/A

4.49% -0.03%

1.65%

1.28%

N/A

3.03%

PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class

Moderate 05/01/2014 05/01/2016 4.84%

2.44%

3.24% 4.91%

3.14%

-3.16%

0.50%

2.53%

4.91%

1.64%

PIMCO VIT Low Duration Portfolio - Advisor Class PIMCO VIT Total Return Portfolio - Advisor Class

Low

03/31/2006 05/01/2016 2.28%

Moderate 02/28/2006 05/01/2016 6.05%

0.34% 1.65%

-0.13% 1.60%

1.19% 2.99%

0.33% 2.11%

-5.72% -1.95%

-1.68% -0.32%

-0.95% 0.84%

1.19% 2.99%

-1.26% 0.57%

Please read the important disclosures regarding the product performance on the following page.

Performance data quoted represents past performance. Past performance is no guarantee of future results. Due to market volat ility, current perPfoargme a4nocfe5may be lower or higher than the figures shown. The investment return and the Accumulation Value of your policy

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 m ost recent month-end performance information, please call 1-800-598-2019 or visit . All performance reflects the percentage change for the period shown, with capital gains and dividends reinvested and includes an annualized Mortality and Expense Risk and Administrative Costs Charge of 1.20% during the surrender charge period for the ini tial premium and 1.00% after the surrender charge period for the initial premium and Fund Company Expenses. An Annual Policy Service Charge of $30 is not included, 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 Surrende r Charge for each premium payment is 8%, declining to 2% by the 7th 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 59?, 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 Premier Variable Annuity II and described herein are different fro m mutual funds that may have similar names but are available directly to the general public. Investment results may differ. In most jurisdictions, the policy form number for the New York Life Premier Variable Annuity II is ICC15 -P301.

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