Customer Privacy Policy

(Effective as of August 1, 2005)

We know that keeping your personal information private is important to you. That's why the New York Life Family of Companies* wants you to know how we protect the information you share with us and the measures we take to safeguard your information.

We have built our business on a foundation of integrity, honesty, and trust. These values are reflected in our longstanding commitment to protect your privacy.

Our Privacy Pledge
To meet our users' insurance and financial needs, we gather and maintain many types of information. To preserve your privacy we pledge to:

• Collect only the information we need to help us deliver superior products and services;
• Protect against unauthorized access to your information including through the Internet;
• Refuse to disclose your health information to third parties for marketing purposes;
• Refuse to sell your information to outside mailing list companies or telemarketers;
• Require companies that service your policy or account to protect your information in accordance with strict privacy standards;
• Give you choices about sharing your information for marketing purposes; and
• Update you on our privacy practices at least once a year.

Our Information Practices
Our policies and procedures protect the privacy of current and former customers.

Types of Information We Collect
In the normal course of business we collect:

• Information requested on applications and other forms (including name, address, income and household information);
• Data about your transactions (such as the products you purchase and your account status);
• Information from outside sources, such as public records;
• Information gathered from our Web sites, such as through online forms, site visit data and information collection devices ("cookies");
• Information collected from consumer credit reporting agencies; and
• Health information collected with your permission when you apply for products like life insurance or long-term care insurance.

Safeguarding Your Information
New York Life maintains physical, electronic and procedural safeguards that meet state and federal regulations. Access to customer information is limited to people who need the information to perform their job responsibilities. We regularly update and improve our security standards, procedures and technology to protect against unauthorized access to your confidential information.

How We Use Your Information
New York Life may share the information we collect about you as allowed by law, including for normal business administration and related business services. The information may be shared:

• Within the New York Life Family; and
• With non-affiliates, such as banks or service providers that help us process transaction or service your accounts. Our service providers may include billing, printing and mail service companies.
• If you are an investment advisory services customer, we may share your information with third parties who help us service your investment and financial planning needs.

We may disclose the information we collect about you when required or permitted by law, such as to:

• Respond to a subpoena;
• Prevent fraud and other crimes;
• Comply with legal requirements; or
• Respond to a government inquiry.

We will never share your health information with third parties for marketing purposes.

IMPORTANT PRIVACY CHOICES
New York Life respects your privacy choices. You have the option to tell us not to share your information as follows:

• Within the New York Life Family of Companies to let you know about our products and services. The information we share may include household and financial data.
• With non-affiliated companies with which we have joint agreements, such as banks, credit card issuers and online services, to offer you their products and services. The information we share may include name, address and information about your transactions with us.

If you do not want us to share your information in one or both of the ways described above, just call (800) 695-4331.

The choice you make will apply to all the products your purchased from the New York Life Family of Companies. If one joint owner tells us not to share information, that choice will also apply to the other owner(s). If you have already told us of your choices, there’s no need to call again.

We will follow the privacy law in your state if that law is different than the policy described in this notice.

Keeping Up-To-Date With Our Privacy Policy
This privacy policy takes effect June 2005. You will receive our privacy policy at least once a year, as long as you are a policyholder or client. You can receive additional copies of our privacy policy on our Web site (www.newyorklife.com) or you can write to:

New York Life
P.O. Box 6916
Cleveland, OH 44101

You can also call us toll free at (800) 695-4331.

Our goal is to ensure that your relationship with us is handled with the high degree of integrity and professionalism you expect. Thank you for your continuing trust in New York Life.

* The New York Life Family of Companies (also referred to as "the New York Life Family," "we," "our," or "us" throughout this notice) currently includes the following affiliates and fund.

If you would like more detailed information about this site's privacy practices, please click here.

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