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NYLIFE Securities
MainStay Mutual Funds
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Summary of Credit Terms

Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations. A balance transfer fee2 of 5% applies to each balance transfer that you make (minimum $10).

You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.

1See the Reward Terms and Conditions in the Summary of Credit Terms for details, including earning, redemption, expiration or forfeiture.

2For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms.

The New York Life Insurance Company and its subsidiaries are not affiliated with First Bankcard®, a division of First national Bank of Omaha, and any of its affiliates.

Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A., Inc. VISA and VISA SIGNATURE are registered trademarks of Visa International Service Association and used under license.

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