Customer privacy notice.

NEW YORK LIFE CUSTOMER PRIVACY NOTICE (EFFECTIVE AS OF MARCH 2019)

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 information;
• 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, third parties that perform research and marketing functions for us or service providers that help us process transaction or service your accounts. Our service providers may include New York Life agents, 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.
• With your agent and his or her new company if your agent leaves the New York Life Family of Companies. We may share your name, address and information about your New York Life products so that your agent can continue to service your needs.

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.

The accuracy of your information is important to us.  You have the right to access and seek correction of your information, and we will respond to your request in accordance with applicable law. We will follow the privacy law in your state if that law is different than the policy described in this notice.

INFORMING CUSTOMERS ABOUT PRIVACY

This privacy notice takes effect March 2019. You will receive our privacy notice at least once a year, as long as you are a policyholder or client. You can receive additional copies of our privacy notice 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.

*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 funds: