New York Life Premium Plus Variable Annuity Performance Summary As of August 31, 2021 for Policies Purchased Before June 2, 2003

New York Life Premium Plus Variable Annuity Performance Summary As of August 31, 2021 For policies purchased before June 2, 2003

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 Performance for the initial classes/shares in this performance summary do not impose a 12b-1 fee and may be higher than the returns for those classes/shares that do 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, 2020. Morningstar is a widely used independent research firm, which ranks mutual funds and other investment companies by overall performance, investment objectives and assets. 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 Certain Portfolios existed prior to the date that they were added as Investment Divisions of the Separate Account. The performance for the MainStay VP Funds Trust. Service class portfolios are based on the Initial Class Portfolio (where applicable). The performance for all other Investment Divisions is based on the Portfolio Inception Date reflected in the performance summary. The hypothetical performance of the Investment Divisions was derived from the performance of the corresponding Portfolio, modified to reflect Separate Account and Fund annual expenses as if the policy had been available during the periods shown. 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 Small Cap Growth – Initial Class Investment Division will not be accepted from Policyowners who were not invested in the MainStay VP Small Cap Growth – Initial Class on February 17, 2012. For existing Policyowners, if you remove all of your Accumulation Value from the MainStay VP 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 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 Wellington Growth, MainStay VP Candriam Emerging Markets Equity and MainStay VP T. Rowe Price Equity Income 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 Columbia Variable Portfolio - Commodity Strategy Investment Division will not be accepted from Policyowners who were not invested in the Investment Division on November 23, 2 020. For existing Policyowners, if you remove all of your Accumulation Value from this Investment Division on or after November 23, 2020, 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 be assumed or reduced, the total return for those Investment Divisions would have been lower. The New York Life Premium Plus Variable Annuity is a flexible premium deferred annuity issued by NYLIAC. Under this policy, we will apply a credit to premiums paid in a percentage amount according to the credit rate schedule then in effect. Policies with a premium Credit may have higher fees and expenses, and may have longer surrender charge periods than policies that do not provide the Credit feature. There may be circumstances in which the purchase of a New York Life Premium Plus Variable Annuity is les s advantageous than the purchase of another New York Life variable annuity which may have lower fees but no credit. This may be the case, for example, if you intended to make fewer and smaller payments into the contract, or if you anticipate retaining the contract for a significant time beyond the surrender charge period. Sales of the New York Life Premium Plus Variable Annuity were discontinued. Current policy owners may continue to make premiums 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 1567694

Page 1 of 5 New York Life Premium Plus Variable Annuity Performance Summary Average Annual Total Return as of August 31, 2021 (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 1 1 4 4 4 4 4 4 4 4 Investment Divisions Risk Level3 Date Date Monthly) Year Year Year Year Inception Year Year Year Year Inception Investment Grade Bond MainStay VP U.S. Government Money Market - Current yield is -1.58%8 Low 1/29/1993 5/1/1995 -0.14% -1.05% -1.57% -0.74% -0.83% -1.21% -0.30% -9.45% -3.46% -2.05% -1.21% -0.30% PIMCO VIT Low Duration Portfolio - Advisor Class Low 3/31/2006 5/2/2016 -0.20% -1.21% -1.44% 0.78% 0.05% -0.08% 0.02% -9.33% -1.92% -1.18% -0.08% -0.94% MainStay VP Bond-Initial Class Moderate 1/23/1984 12/15/1993 -0.39% -1.31% -0.68% 3.96% 1.57% 1.69% 3.24% -8.62% 1.43% 0.42% 1.69% 3.24% Fidelity® VIP Bond Index – Service Class 2 Moderate 04/19/2018 11/23/2020 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A MainStay VP MacKay Government - Initial Class Moderate 1/29/1993 1/29/1993 -0.44% -1.54% -1.93% 1.95% 0.27% 0.45% 2.25% -9.78% -0.68% -0.94% 0.45% 2.25% MainStay VP PIMCO Real Return - Service Class Moderate 2/17/2012 2/17/2012 -0.36% 2.76% 3.78% 5.38% 2.80% 1.16% 0.86% -4.22% 2.93% 1.70% 1.16% 0.86% PIMCO VIT Income Portfolio - Advisor Class Moderate 04/29/2016 05/01/2020 0.26% 0.88% 4.33% 4.14% 3.66% N/A 8.89% -3.67% 1.62% 2.60% N/A 3.01% PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class Moderate 5/1/2014 5/1/2014 -0.35% -1.68% 0.56% 2.35% 1.49% 3.08% 2.45% -7.44% -0.26% 0.33% 3.08% 2.10% PIMCO VIT Total Return Portfolio - Advisor Class Moderate 2/28/2006 5/1/2014 -0.29% -1.49% -0.91% 3.88% 1.91% 1.79% 1.81% -8.84% 1.35% 0.77% 1.79% 1.44% Non-Investment Grade Bond BlackRock® High Yield V.I. Fund – Class III Shares Moderate 2/15/2012 5/1/2014 0.33% 3.30% 7.80% 5.27% 4.81% 5.05% 3.40% -0.20% 2.81% 3.79% 5.05% 3.07% Columbia Variable Portfolio — Emerging Markets Bond Fund — Class 2 Moderate 4/30/2012 5/1/2015 0.68% -0.85% 3.80% 4.43% 2.13% N/A 2.75% -4.20% 1.93% 1.00% N/A 2.19% MainStay VP Floating Rate-Service Class Moderate 5/1/2005 5/1/2005 0.28% 1.45% 4.74% 1.56% 2.07% 2.35% 1.91% -3.26% -1.10% 0.94% 2.35% 1.91% MainStay VP MacKay Convertible - Initial Class Moderate 10/1/1996 10/1/1996 1.74% 5.84% 22.00% 14.66% 13.35% 10.46% 5.95% 14.00% 12.59% 12.61% 10.46% 5.95% MainStay VP MacKay High Yield Corporate Bond - Initial Class Moderate 5/1/1995 5/1/1995 0.38% 3.77% 7.72% 4.86% 4.51% 5.04% 5.48% -0.28% 2.38% 3.49% 5.04% 5.48% MainStay VP MacKay Strategic Bond – Service Class Moderate 5/1/2011 5/1/2011 -0.11% 0.79% 3.34% 2.59% 1.92% 2.58% 2.10% -4.66% 0.00% 0.79% 2.58% 2.10% Alternatives DWS Alternative Asset Allocation VIP - Class B Moderate 5/18/2009 5/2/2016 0.94% 9.98% 17.75% 6.31% 3.45% 1.81% 3.61% 9.75% 3.89% 2.39% 1.81% 2.79% MainStay VP IQ Hedge Multi-Strategy - Service Class Moderate 5/1/2013 5/1/2013 0.18% -0.33% 3.03% 2.46% -0.14% N/A -2.17% -4.97% -0.15% -1.37% N/A -2.17% Asset Allocation American Funds IS Asset Allocation Fund - Class 4 Moderate 12/14/2012 05/01/2018 1.51% 11.29% 19.03% 10.05% 9.66% 9.32% 10.27% 11.03% 7.80% 8.81% 9.32% 8.57% BlackRock® Global Allocation V.I. Fund - Class III Shares Moderate 11/18/2003 5/1/2011 0.81% 6.24% 16.30% 10.23% 8.26% 5.67% 4.75% 8.30% 7.99% 7.37% 5.67% 4.75% Fidelity® VIP FundsManager® 60% — Service Class Moderate 08/22/2007 05/01/2019 1.50% 9.76% 17.71% 9.81% 9.08% 7.54% 13.24% 9.71% 7.55% 8.22% 7.54% 10.29% MainStay VP Balanced - Service Class Moderate 5/1/2005 5/1/2005 1.00% 12.72% 22.22% 6.97% 6.53% 7.35% 5.21% 14.22% 4.59% 5.58% 7.35% 5.21% MainStay VP Conservative Allocation - Service Class Moderate 2/13/2006 2/13/2006 0.66% 5.26% 9.35% 5.81% 5.13% 4.97% 4.28% 1.35% 3.38% 4.12% 4.97% 4.28% MainStay VP Income Builder - Initial Class Moderate 1/29/1993 1/29/1993 0.93% 8.22% 15.10% 8.11% 6.60% 7.38% 3.04% 7.10% 5.78% 5.65% 7.38% 3.04% MainStay VP Janus Henderson Balanced - Initial Class7 Moderate 2/17/2012 2/17/2012 1.47% 12.01% 17.07% 12.10% 12.34% N/A 9.41% 9.07% 9.94% 11.58% N/A 9.41% MainStay VP Moderate Allocation - Service Class Moderate 2/13/2006 2/13/2006 1.14% 8.77% 14.87% 7.35% 7.17% 6.64% 4.94% 6.87% 4.98% 6.24% 6.64% 4.94% Franklin Templeton Conservative Model Portfolio - Class II Moderate 05/01/2020 05/01/2020 0.30% 3.21% 5.60% N/A N/A N/A 9.27% -2.40% N/A N/A N/A 3.40% Franklin Templeton Moderate Model Portfolio - Class II Moderate 05/01/2020 05/01/2020 1.35% 8.79% 14.58% N/A N/A N/A 20.07% 6.58% N/A N/A N/A 14.39% Franklin Templeton Moderately Aggressive Model Portfolio - Class II Moderate 05/01/2020 05/01/2020 1.55% 10.90% 18.51% N/A N/A N/A 26.12% 10.51% N/A N/A N/A 20.53% Franklin Templeton Moderately Conservative Model Portfolio - Class II Moderate 05/01/2020 05/01/2020 0.93% 6.20% 10.79% N/A N/A N/A 15.53% 2.79% N/A N/A N/A 9.77% Franklin Templeton Aggressive Model Portfolio - Class II High 05/01/2020 05/01/2020 2.25% 14.83% 24.83% N/A N/A N/A 33.85% 16.83% N/A N/A N/A 28.38% MainStay VP Equity Allocation – Service Class High 2/13/2006 2/13/2006 2.17% 16.37% 29.45% 10.44% 11.14% 9.59% 5.90% 21.45% 8.21% 10.35% 9.59% 5.90% MainStay VP Growth Allocation–Service Class High 2/13/2006 2/13/2006 1.62% 12.62% 22.85% 8.66% 9.15% 8.26% 5.59% 14.85% 6.35% 8.29% 8.26% 5.59% Large Cap Equity American Funds IS Washington Mutual Investors Fund - Class 4 High 12/14/2012 11/13/2017 1.82% 17.33% 27.69% 9.17% 9.97% 11.32% 9.59% 19.69% 6.88% 9.13% 11.32% 8.14% American Funds IS Growth Fund - Class 4 High 12/14/2012 11/13/2017 3.26% 16.24% 31.76% 23.99% 23.09% 16.84% 23.46% 23.76% 22.23% 22.56% 16.84% 22.42% ClearBridge Variable Appreciation Portfolio — Class II High 2/27/2015 5/1/2017 2.03% 17.11% 24.73% 14.68% 14.22% 12.97% 14.42% 16.73% 12.62% 13.51% 12.97% 13.53% Fidelity® VIP Contrafund®- Initial Class High 1/3/1995 10/1/1996 4.51% 21.46% 24.57% 19.30% 17.89% 14.40% 7.90% 16.57% 17.40% 17.26% 14.40% 7.90% Fidelity® VIP Equity-Income - Initial Class High 10/9/1986 10/1/1996 2.47% 19.19% 33.29% 11.36% 10.74% 10.68% 5.43% 25.29% 9.17% 9.93% 10.68% 5.43% Fidelity® VIP Growth Opportunities – Service Class 2 High 1/12/2000 5/1/2014 3.93% 16.32% 32.24% 33.01% 31.05% 21.39% 22.60% 24.24% 31.49% 30.64% 21.39% 22.48% MainStay VP Epoch U.S. Equity Yield – Service Class High 5/1/1998 6/1/1998 2.10% 16.52% 26.61% 8.82% 9.19% 9.23% 4.81% 18.61% 6.52% 8.33% 9.23% 4.81% MainStay VP Wellington U.S. Equity – Initial Class High 1/23/1984 12/15/1993 2.62% 20.91% 28.73% 13.16% 14.53% 13.78% 5.15% 20.73% 11.04% 13.83% 13.78% 5.15% MainStay VP Wellington Growth - Initial Class9 High 1/29/1993 1/29/1993 3.41% 19.96% 25.94% 17.50% 19.50% 13.73% 3.61% 17.94% 15.53% 18.90% 13.73% 3.61% MainStay VP MacKay S&P 500 Index - Initial Class5 High 1/29/1993 1/29/1993 2.88% 20.18% 28.90% 16.03% 15.94% 14.22% 5.70% 20.90% 14.02% 15.26% 14.22% 5.70% MainStay VP T. Rowe Price Equity Income - Initial Class9 High 3/31/1994 5/1/1998 2.18% 19.07% 37.75% 8.51% 9.93% 10.07% 9.26% 29.75% 6.19% 9.10% 10.07% 9.26% MainStay VP Winslow Large Cap Growth - Initial Class High 5/1/1998 6/1/1998 3.40% 20.95% 25.21% 22.10% 22.48% 16.52% 5.69% 17.21% 20.28% 21.94% 16.52% 5.69% MFS® Investors Trust Series - Initial Class High 10/9/1995 5/1/1998 2.05% 21.65% 31.00% 15.52% 15.17% 13.34% 5.59% 23.00% 13.49% 14.48% 13.34% 5.59% MFS® Research Series - Initial Class High 7/26/1995 5/1/1998 2.51% 19.74% 27.39% 15.63% 15.53% 13.71% 5.05% 19.39% 13.60% 14.85% 13.71% 5.05% Small/Mid Cap Equity Fidelity® VIP Mid Cap – Service Class 2 High 1/12/2000 9/8/2003 3.31% 18.04% 40.65% 9.65% 11.46% 10.04% 9.43% 32.65% 7.39% 10.67% 10.04% 9.43% Janus Henderson VIT Enterprise Portfolio – Service Shares High 12/31/1999 11/13/2017 0.95% 12.40% 30.49% 14.46% 16.48% 15.06% 15.83% 22.49% 12.39% 15.82% 15.06% 14.59% MainStay VP Wellington Mid Cap – Initial Class High 7/2/2001 7/6/2001 0.99% 16.49% 34.49% 7.87% 10.16% 11.53% 8.05% 26.49% 5.53% 9.33% 11.53% 8.05% MFS® Mid Cap Value Portfolio - Service Class High 03/07/2008 05/01/2020 2.04% 20.84% 39.77% 9.97% 9.89% 11.07% 45.18% 31.77% 7.72% 9.05% 11.07% 39.86% Neuberger Berman AMT Mid–Cap Growth – Class S High 2/18/2003 6/2/2003 1.66% 13.35% 33.93% 17.97% 18.24% 13.43% 10.39% 25.93% 16.02% 17.62% 13.43% 10.39% Invesco V.I. Main Street Small Cap Fund - Series II Highest 07/16/2001 05/01/2020 1.58% 17.55% 44.42% 9.72% 12.97% 12.64% 55.25% 36.42% 7.46% 12.22% 12.64% 50.04% Columbia Variable Portfolio – Small Cap Value Fund – Class 2 Highest 6/1/2000 11/15/2004 2.09% 24.65% 58.67% 6.60% 10.40% 9.94% 7.02% 50.67% 4.20% 9.58% 9.94% 7.02% Delaware VIP Small Cap Value - Service Class Highest 5/1/2000 11/13/2017 1.77% 23.10% 52.69% 5.35% 8.73% 9.89% 6.38% 44.69% 2.89% 7.86% 9.89% 4.80% MainStay VP Wellington Small Cap - Initial Class Highest 5/2/2016 5/2/2016 0.75% 14.71% 41.35% 2.48% 8.25% N/A 10.87% 33.35% -0.12% 7.36% N/A 7.83% MainStay VP Small Cap Growth – Initial Class6 Highest 2/17/2012 2/17/2012 1.56% 11.20% 37.90% 13.64% 16.23% N/A 11.33% 29.90% 11.54% 15.57% N/A 11.33% MainStay VP Small Cap Growth – Service Class Highest 2/17/2012 2/17/2012 1.54% 11.01% 37.56% 13.36% 15.94% N/A 11.06% 29.56% 11.24% 15.27% N/A 11.06% International/Global Equity American Funds IS Global Small Cap Fund® – Class 4 High 12/14/2012 5/1/2015 3.39% 12.17% 36.91% 15.14% 14.42% 9.96% 10.13% 28.91% 13.09% 13.71% 9.96% 9.75% Fidelity® VIP International Index — Service Class 2 High 04/16/2018 05/01/2019 1.74% 8.10% 22.92% 7.45% N/A N/A 10.04% 14.92% 5.09% N/A N/A 6.97% Invesco V.I. International Growth Fund - Series II High 9/19/2001 5/1/2014 1.13% 4.99% 17.53% 9.66% 7.53% 5.68% 4.21% 9.53% 7.39% 6.61% 5.68% 3.89% Janus Henderson VIT Global Research Portfolio - Institutional Shares High 9/13/1993 10/1/1996 2.56% 15.67% 27.31% 14.48% 14.46% 10.88% 2.49% 19.31% 12.41% 13.75% 10.88% 2.49% MainStay VP MacKay International Equity - Initial Class High 5/1/1995 5/1/1995 4.25% 15.11% 29.54% 11.85% 12.05% 8.12% 4.89% 21.54% 9.68% 11.28% 8.12% 4.89% MFS® International Intrinsic Value Portfolio – Service Class High 8/24/2001 5/1/2017 1.20% 7.48% 17.25% 11.41% 10.72% 9.90% 11.17% 9.25% 9.22% 9.91% 9.90% 10.18% American Funds IS New World Fund - Class 4 Highest 12/14/2012 5/1/2014 2.17% 8.20% 24.79% 14.37% 11.57% 6.31% 6.66% 16.79% 12.30% 10.79% 6.31% 6.66% Fidelity® VIP Emerging Markets – Service Class 2 Highest 01/23/2008 05/01/2018 1.75% 1.23% 23.31% 13.74% 12.27% 5.40% 9.75% 15.31% 11.65% 11.51% 5.40% 8.03% 9 MainStay VP Candriam Emerging Markets Equity - Initial Class Highest 2/17/2012 2/17/2012 1.28% 5.01% 23.76% 10.55% 9.82% N/A 1.68% 15.76% 8.33% 8.98% N/A 1.68% Sector Columbia Variable Portfolio — Commodity Strategy Fund — Class 210 High 4/30/2013 5/1/2015 -0.14% 25.53% 32.60% 5.17% 2.71% N/A -1.50% 24.60% 2.71% 1.61% N/A -2.14% Fidelity® VIP Health Care — Service Class 2 High 04/30/2019 05/01/2019 2.64% 11.25% 20.29% 12.66% 14.73% 17.19% 22.66% 12.29% 10.51% 13.91% 17.19% 20.01% MainStay VP Fidelity Institutional AM® Utilities – Service Class High 2/17/2012 2/17/2012 3.60% 7.14% 19.86% 6.60% 6.77% 6.68% 6.48% 11.86% 4.20% 5.83% 6.68% 6.48% Morgan Stanley VIF U.S. Real Estate - Class II High 11/5/2002 5/1/2013 1.47% 26.90% 41.61% 1.95% 1.20% 5.61% 3.48% 33.61% -0.69% 0.03% 5.61% 3.48% MainStay VP CBRE Global Infrastructure — Service Class High 5/1/2015 5/1/2015 2.25% 10.97% 17.99% -10.22% -3.84% N/A -5.60% 9.99% -12.68% -5.02% N/A -6.21% BNY Mellon IP Technology Growth – Initial Shares Highest 8/31/1999 7/6/2001 3.07% 13.84% 23.28% 24.33% 25.70% 18.45% 9.20% 15.28% 22.58% 25.21% 18.45% 9.20% MainStay VP Natural Resources – Initial Class Highest 2/17/2012 2/17/2012 -0.06% 16.06% 35.52% 3.20% 0.65% -3.63% -3.68% 27.52% 0.64% -0.55% -3.63% -3.68% Please read the important disclosures regarding the product performance on the following page. Page 2 of 5 Performance data quoted is 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 payments. 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 an annualized Mortality and Expense Risk and Administrative Costs Charge of 1.60% and Fund Company Expenses. An Annual Policy S ervice Charge of $30 is not included, but will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon s urrender 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 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 59½, may be subject to a 10% IRS penalty (the penalty ta x is increased to 25% in the case of a distribution from a SIMPLE IRA within the first two years of your participation in a SIMPLE IRA plan). The Investment Divisions offered through the New York Life Premium Plus Variable Annuity and described herein are different from mutual funds that may have similar names but are available directly to the public. Investment results may differ.

Page 3 of 5 Investment Divisions offered through the New York Life Premium Plus Variable Annuity and described herein are different from mutual funds that may have similar names but are available directly to the public. Investment results may differ.

New York Life Premium Plus Variable Annuity Performance Summary Average Annual Total Return as of June 30, 2021 (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 1 1 4 4 4 4 4 4 4 4 Investment Divisions Risk Level3 Date Date Year Year Year Year Inception Year Year Year Year Inception Investment Grade Bond MainStay VP U.S. Government Money Market - Current yield is -1.58%8 Low 1/29/1993 5/1/1995 -1.57% -0.66% -0.83% -1.21% -0.29% -9.45% -3.38% -2.05% -1.21% -0.29% PIMCO VIT Low Duration Portfolio - Advisor Class Low 3/31/2006 5/2/2016 -1.00% 0.79% 0.07% -0.11% 0.06% -8.92% -1.90% -1.16% -0.11% -0.93% MainStay VP Bond-Initial Class Moderate 1/23/1984 12/15/1993 -0.49% 3.90% 1.55% 1.87% 3.23% -8.45% 1.37% 0.39% 1.87% 3.23% Fidelity® VIP Bond Index – Service Class 2 Moderate 04/19/2018 11/23/2020 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A MainStay VP MacKay Government - Initial Class Moderate 1/29/1993 1/29/1993 -1.95% 1.88% 0.19% 0.62% 2.26% -9.79% -0.76% -1.03% 0.62% 2.26% MainStay VP PIMCO Real Return - Service Class Moderate 2/17/2012 2/17/2012 5.20% 4.63% 2.49% 1.31% 0.66% -2.80% 2.13% 1.38% 1.31% 0.66% PIMCO VIT Income Portfolio - Advisor Class Moderate 04/29/2016 05/01/2020 6.97% 4.00% 4.10% N/A 9.98% -1.03% 1.47% 3.06% N/A 3.18% PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Advisor Class Moderate 5/1/2014 5/1/2014 1.11% 2.10% 1.60% 3.25% 2.44% -6.89% -0.52% 0.45% 3.25% 2.07% PIMCO VIT Total Return Portfolio - Advisor Class Moderate 2/28/2006 5/1/2014 -0.56% 3.81% 1.91% 1.77% 1.78% -8.52% 1.27% 0.77% 1.77% 1.40% Non-Investment Grade Bond BlackRock® High Yield V.I. Fund – Class III Shares Moderate 2/15/2012 5/1/2014 13.18% 5.69% 5.49% 4.59% 3.44% 5.18% 3.25% 4.50% 4.59% 3.10% Columbia Variable Portfolio — Emerging Markets Bond Fund — Class 2 Moderate 4/30/2012 5/1/2015 7.33% 3.67% 2.59% N/A 2.63% -0.67% 1.12% 1.48% N/A 2.05% MainStay VP Floating Rate-Service Class Moderate 5/1/2005 5/1/2005 7.71% 1.83% 2.37% 1.92% 1.93% -0.29% -0.81% 1.26% 1.92% 1.93% MainStay VP MacKay Convertible - Initial Class Moderate 10/1/1996 10/1/1996 33.39% 16.06% 14.41% 9.35% 5.97% 25.39% 14.05% 13.71% 9.35% 5.97% MainStay VP MacKay High Yield Corporate Bond - Initial Class Moderate 5/1/1995 5/1/1995 12.62% 5.30% 5.29% 4.79% 5.50% 4.62% 2.84% 4.29% 4.79% 5.50% MainStay VP MacKay Strategic Bond – Service Class Moderate 5/1/2011 5/1/2011 6.11% 2.80% 2.58% 2.29% 2.13% -1.89% 0.21% 1.47% 2.29% 2.13% Alternatives DWS Alternative Asset Allocation VIP - Class B Moderate 5/18/2009 5/2/2016 21.99% 5.70% 3.05% 1.39% 3.39% 13.99% 3.25% 1.96% 1.39% 2.54% MainStay VP IQ Hedge Multi-Strategy - Service Class Moderate 5/1/2013 5/1/2013 6.38% 2.15% 0.20% N/A -2.14% -1.62% -0.47% -1.01% N/A -2.14% Asset Allocation American Funds IS Asset Allocation Fund - Class 4 Moderate 12/14/2012 05/01/2018 23.49% 10.28% 9.69% 8.43% 10.16% 15.49% 8.04% 8.84% 8.43% 8.34% BlackRock® Global Allocation V.I. Fund - Class III Shares Moderate 11/18/2003 5/1/2011 26.09% 10.67% 8.78% 5.23% 4.77% 18.09% 8.45% 7.91% 5.23% 4.77% Fidelity® VIP FundsManager® 60% — Service Class Moderate 08/22/2007 05/01/2019 22.58% 9.76% 9.11% 6.71% 12.99% 14.58% 7.50% 8.25% 6.71% 9.73% MainStay VP Balanced - Service Class Moderate 5/1/2005 5/1/2005 25.40% 7.37% 6.54% 6.59% 5.15% 17.40% 5.01% 5.59% 6.59% 5.15% MainStay VP Conservative Allocation - Service Class Moderate 2/13/2006 2/13/2006 12.48% 5.86% 5.32% 4.42% 4.23% 4.48% 3.42% 4.33% 4.42% 4.23% MainStay VP Income Builder - Initial Class Moderate 1/29/1993 1/29/1993 19.18% 8.31% 6.65% 6.63% 2.98% 11.18% 5.99% 5.71% 6.63% 2.98% MainStay VP Janus Henderson Balanced - Initial Class7 Moderate 2/17/2012 2/17/2012 22.55% 12.32% 11.98% N/A 9.14% 14.55% 10.17% 11.20% N/A 9.14% MainStay VP Moderate Allocation - Service Class Moderate 2/13/2006 2/13/2006 19.81% 7.46% 7.39% 5.79% 4.86% 11.81% 5.10% 6.48% 5.79% 4.86% Franklin Templeton Conservative Model Portfolio - Class II Moderate 05/01/2020 05/01/2020 7.84% N/A N/A N/A 9.36% -0.16% N/A N/A N/A 2.56% Franklin Templeton Moderate Model Portfolio - Class II Moderate 05/01/2020 05/01/2020 18.66% N/A N/A N/A 20.57% 10.66% N/A N/A N/A 13.87% Franklin Templeton Moderately Aggressive Model Portfolio - Class II Moderate 05/01/2020 05/01/2020 24.41% N/A N/A N/A 27.27% 16.41% N/A N/A N/A 20.64% Franklin Templeton Moderately Conservative Model Portfolio - Class II Moderate 05/01/2020 05/01/2020 13.84% N/A N/A N/A 15.79% 5.84% N/A N/A N/A 9.05% Franklin Templeton Aggressive Model Portfolio - Class II High 05/01/2020 05/01/2020 33.06% N/A N/A N/A 35.58% 25.06% N/A N/A N/A 29.02% MainStay VP Equity Allocation – Service Class High 2/13/2006 2/13/2006 38.57% 10.55% 11.41% 8.14% 5.75% 30.57% 8.32% 10.63% 8.14% 5.75% MainStay VP Growth Allocation–Service Class High 2/13/2006 2/13/2006 29.95% 8.86% 9.47% 7.07% 5.48% 21.95% 6.57% 8.62% 7.07% 5.48% Large Cap Equity American Funds IS Washington Mutual Investors Fund - Class 4 High 12/14/2012 11/13/2017 34.01% 9.35% 9.82% 10.07% 9.19% 26.01% 7.07% 8.98% 10.07% 7.63% American Funds IS Growth Fund - Class 4 High 12/14/2012 11/13/2017 50.54% 24.48% 23.23% 15.46% 23.36% 42.54% 22.74% 22.70% 15.46% 22.24% ClearBridge Variable Appreciation Portfolio — Class II High 2/27/2015 5/1/2017 35.38% 15.85% 13.69% 11.61% 13.89% 27.38% 13.83% 12.96% 11.61% 12.93% Fidelity® VIP Contrafund®- Initial Class High 1/3/1995 10/1/1996 33.86% 19.13% 17.18% 12.61% 7.59% 25.86% 17.22% 16.54% 12.61% 7.59% Fidelity® VIP Equity-Income - Initial Class High 10/9/1986 10/1/1996 39.69% 12.35% 11.13% 9.40% 5.33% 31.69% 10.19% 10.34% 9.40% 5.33% Fidelity® VIP Growth Opportunities – Service Class 2 High 1/12/2000 5/1/2014 54.25% 34.84% 31.51% 19.93% 22.58% 46.25% 33.36% 31.11% 19.93% 22.46% MainStay VP Epoch U.S. Equity Yield – Service Class High 5/1/1998 6/1/1998 30.77% 9.19% 9.19% 7.71% 4.68% 22.77% 6.91% 8.33% 7.71% 4.68% MainStay VP Wellington U.S. Equity – Initial Class High 1/23/1984 12/15/1993 37.93% 14.03% 14.10% 12.32% 4.96% 29.93% 11.95% 13.39% 12.32% 4.96% MainStay VP Wellington Growth - Initial Class9 High 1/29/1993 1/29/1993 38.67% 18.43% 18.96% 12.19% 3.34% 30.67% 16.50% 18.35% 12.19% 3.34% MainStay VP MacKay S&P 500 Index - Initial Class5 High 1/29/1993 1/29/1993 38.35% 16.61% 15.56% 12.74% 5.49% 30.35% 14.62% 14.88% 12.74% 5.49% MainStay VP T. Rowe Price Equity Income - Initial Class9 High 3/31/1994 5/1/1998 45.33% 9.43% 10.38% 8.88% 9.28% 37.33% 7.15% 9.56% 8.88% 9.28% MainStay VP Winslow Large Cap Growth - Initial Class High 5/1/1998 6/1/1998 35.70% 21.42% 21.71% 14.76% 5.34% 27.70% 19.58% 21.16% 14.76% 5.34% MFS® Investors Trust Series - Initial Class High 10/9/1995 5/1/1998 36.99% 15.64% 14.85% 11.80% 5.35% 28.99% 13.61% 14.15% 11.80% 5.35% MFS® Research Series - Initial Class High 7/26/1995 5/1/1998 35.10% 16.03% 15.21% 12.25% 4.83% 27.10% 14.02% 14.52% 12.25% 4.83% Small/Mid Cap Equity Fidelity® VIP Mid Cap – Service Class 2 High 1/12/2000 9/8/2003 53.35% 9.82% 11.99% 8.96% 9.34% 45.35% 7.56% 11.21% 8.96% 9.34% Janus Henderson VIT Enterprise Portfolio – Service Shares High 12/31/1999 11/13/2017 37.93% 15.83% 16.90% 13.45% 15.49% 29.93% 13.80% 16.25% 13.45% 14.15% MainStay VP Wellington Mid Cap – Initial Class High 7/2/2001 7/6/2001 44.48% 9.28% 10.72% 10.07% 8.05% 36.48% 7.00% 9.91% 10.07% 8.05% MFS® Mid Cap Value Portfolio - Service Class High 03/07/2008 05/01/2020 46.82% 10.66% 10.28% 9.76% 50.20% 38.82% 8.44% 9.45% 9.76% 43.75% Neuberger Berman AMT Mid–Cap Growth – Class S High 2/18/2003 6/2/2003 42.34% 19.49% 18.53% 11.98% 10.27% 34.34% 17.59% 17.91% 11.98% 10.27% Invesco V.I. Main Street Small Cap Fund - Series II Highest 07/16/2001 05/01/2020 56.58% 11.99% 13.88% 11.09% 64.68% 48.58% 9.82% 13.16% 11.09% 58.33% Columbia Variable Portfolio – Small Cap Value Fund – Class 2 Highest 6/1/2000 11/15/2004 71.07% 7.86% 12.76% 8.67% 7.14% 63.07% 5.52% 12.01% 8.67% 7.14% Delaware VIP Small Cap Value - Service Class Highest 5/1/2000 11/13/2017 61.47% 6.51% 10.05% 8.44% 6.68% 53.47% 4.10% 9.22% 8.44% 5.02% MainStay VP Wellington Small Cap - Initial Class Highest 5/2/2016 5/2/2016 53.33% 3.94% 9.79% N/A 12.31% 45.33% 1.42% 8.95% N/A 9.03% MainStay VP Small Cap Growth – Initial Class6 Highest 2/17/2012 2/17/2012 50.71% 15.77% 17.16% N/A 11.26% 42.71% 13.74% 16.52% N/A 11.26% MainStay VP Small Cap Growth – Service Class Highest 2/17/2012 2/17/2012 50.33% 15.48% 16.87% N/A 10.98% 42.33% 13.44% 16.22% N/A 10.98% International/Global Equity American Funds IS Global Small Cap Fund® – Class 4 High 12/14/2012 5/1/2015 45.83% 15.23% 15.57% 8.47% 10.03% 37.83% 13.18% 14.89% 8.47% 9.63% Fidelity® VIP International Index — Service Class 2 High 04/16/2018 05/01/2019 32.25% 7.34% N/A N/A 10.79% 24.25% 4.97% N/A N/A 7.46% Invesco V.I. International Growth Fund - Series II High 9/19/2001 5/1/2014 29.73% 9.98% 8.30% 4.75% 4.37% 21.73% 7.73% 7.41% 4.75% 4.04% Janus Henderson VIT Global Research Portfolio - Institutional Shares High 9/13/1993 10/1/1996 38.18% 14.72% 14.73% 9.39% 2.34% 30.18% 12.66% 14.03% 9.39% 2.34% MainStay VP MacKay International Equity - Initial Class High 5/1/1995 5/1/1995 35.07% 10.59% 11.16% 6.52% 4.61% 27.07% 8.37% 10.36% 6.52% 4.61% MFS® International Intrinsic Value Portfolio – Service Class High 8/24/2001 5/1/2017 23.18% 11.10% 10.67% 8.91% 10.75% 15.18% 8.90% 9.86% 8.91% 9.69% American Funds IS New World Fund - Class 4 Highest 12/14/2012 5/1/2014 39.39% 14.17% 12.90% 5.50% 6.94% 31.39% 12.09% 12.16% 5.50% 6.94% Fidelity® VIP Emerging Markets – Service Class 2 Highest 01/23/2008 05/01/2018 45.77% 15.14% 14.48% 5.06% 12.31% 37.77% 13.09% 13.77% 5.06% 10.56% 9 MainStay VP Candriam Emerging Markets Equity - Initial Class Highest 2/17/2012 2/17/2012 45.69% 11.39% 12.35% N/A 2.20% 37.69% 9.20% 11.58% N/A 2.20% Sector Columbia Variable Portfolio — Commodity Strategy Fund — Class 210 High 4/30/2013 5/1/2015 46.55% 2.97% 0.91% N/A -1.83% 38.55% 0.39% -0.28% N/A -2.48% Fidelity® VIP Health Care — Service Class 2 High 04/30/2019 05/01/2019 20.46% 15.00% 14.95% 15.60% 22.73% 12.46% 12.94% 14.14% 15.60% 19.78% MainStay VP Fidelity Institutional AM® Utilities – Service Class High 2/17/2012 2/17/2012 16.28% 5.34% 5.07% 5.52% 5.97% 8.28% 2.88% 4.07% 5.52% 5.97% Morgan Stanley VIF U.S. Real Estate - Class II High 11/5/2002 5/1/2013 35.61% 1.33% 0.21% 4.34% 2.84% 27.61% -1.34% -1.01% 4.34% 2.84% MainStay VP CBRE Global Infrastructure — Service Class High 5/1/2015 5/1/2015 18.13% -10.40% -3.12% N/A -6.23% 10.13% -12.86% -4.31% N/A -6.85% BNY Mellon IP Technology Growth – Initial Shares Highest 8/31/1999 7/6/2001 50.18% 25.64% 27.05% 16.53% 9.14% 42.18% 23.93% 26.59% 16.53% 9.14% MainStay VP Natural Resources – Initial Class Highest 2/17/2012 2/17/2012 62.59% 2.29% 2.62% -3.65% -3.05% 54.59% -0.33% 1.51% -3.65% -3.05% Please read the important disclosures regarding the product performance on the following page. Page 4 of 5 Performance data quoted is 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 payments. 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 an annualized Mortality and Expense Risk and Administrative Costs Charge of 1.60% and Fund Company Expenses. An Annual Policy S ervice Charge of $30 is not included, but will be deducted each year from the policy's Accumulation Value on the policy anniversary and upon s urrender 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 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 59½, may be subject to a 10% IRS penalty (the penalty ta x is increased to 25% in the case of a distribution from a SIMPLE IRA within the first two years of your participation in a SIMPLE IRA plan). The

Page 5 of 5