The document provides information about New York Life Insurance Company's products, services, training programs, compensation, and career opportunities for insurance professionals. Some key points include: - New York Life offers various insurance and financial products including life insurance, annuities, long-term care insurance, and investment services. - Agents receive extensive and ongoing training through NYLIC University programs throughout their career. - Compensation includes commissions, bonuses, allowances and other incentives like a pension plan. Training subsidies are available to help new agents. - The document promotes the career opportunity at New York Life, noting their long history and support for agent success.

1. Northern Virginia General Office EOE M/F/D/V ® New York Life Insurance Company, 2007 FOR RECRUITING PURPOSES ONLY SMRU 00351821 CV

11. General Office Support includes Business Management, Business Processing & Business Development R E S O U R C E S A N D T R A I N I N G EOE M/F/D/V ® New York Life Insurance Company, 2007 FOR RECRUITING PURPOSES ONLY SMRU 00351821 CV

12. The New York Life Home Office plays a critical role throughout your career at New York Life R E S O U R C E S A N D T R A I N I N G EOE M/F/D/V ® New York Life Insurance Company, 2007 FOR RECRUITING PURPOSES ONLY SMRU 00351821 CV RETURN TO INTRO SCREEN

13. New York Life provides the potential for a lifetime career opportunity C O M P E N S A T I O N EOE M/F/D/V ® New York Life Insurance Company, 2007 FOR RECRUITING PURPOSES ONLY SMRU 00351821 CV Possible Career Path of the New York Life Agent

14. Northern Virginia General Office: Your Compensation C O M P E N S A T I O N

16. Commissions C O M P E N S A T I O N *UL premiums in excess of the “Target Premium” are commissioned at 3.0% +Up to age 70 then reduces 2% each year thereafter for WL, MPWL, and UL Whole Life 55% + Custom Whole Life 55% + to breakpoint premium; 3.5% of excess Universal Life 50% of “Target Premium” *+ Five Year Level Term 50% Increasing Premium Term 50% Increasing Premium Term Riders 50% Modified Premium Whole Life 55% + Employee Whole Life 55% Employee Adjustable Life 50% Survivorship Whole Life 50% Single Premium Variable Universal Life 6.0% Asset Preserver Up to 6.0% Variable Universal Life 50% of Target Scheduled Premium then 3.5% of Excess Premium + Twenty Year Term 50% NYLAZ Term to 90 50% + 50% override (75%) Survivorship Variable Universal Life 50% of Target Scheduled Premium then 3.5% of Excess Premium +

17. Commission Cont. C O M P E N S A T I O N Long Term Care Insurance Age 18 – 59 50% Age 60 – 74 45% Age 75+ 40% Note: Bonuses available based on production Annuities Single Premium Retirement Annuity* Elite 4.5% Variable 4.25% Fixed Interest 4.0% Flexible Premium Retirement Annuity* Variable 4.0% Fixed Interest 4.0% NYLIFE Securities Registered Products GDC No Council Quality Council Executive Council President’s Council Chairman’s Council $0 - $19,999 35% 40% 50% 55% 60% $20,000 – $39,999 40% 45% 55% 60% 65% $40,000 – $54,999 45% 50% 60% 65% 70% $55,000 – $74,999 50% 55% 70% 75% 80% $75,000 – $119,999 55% 60% 75% 80% 85% > $120,000 60% 65% 80% 85% 90% Immediate Annuity Single Premium 2.75% Fixed Period 2.0% *Rate could change based on age and on qualified or non qualified money

19. First-Year Commission, Renewals & Premium Drawing NYLIC provide a commission stream C O M P E N S A T I O N 1 2 3 4 11 10 9 8 7 6 5 55% 55% 55% 55% 55% 55% 55% 55% 55% 55% 55% 6% 6% 6% 6% 6% 6% 6% 6% 65 6% 10% 10% 10% 10% 10% 10% 10% 10% 10% 15% 15% 15% 15% 15% 15% 15% 15% 20% 20% 20% 20% 20% 20% 20% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 15% 15% 2% (Example illustrates compensation on a Whole Life policy) (for N9 agents only) of Premium (renewal 1) *Includes Conditional PDN * * * * EOE M/F/D/V ® New York Life Insurance Company, 2007 FOR RECRUITING PURPOSES ONLY SMRU 00351821 CV + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +

20. The Life and Annuity Expense Allowance Plan* helps eligible individuals offset business expenses based on production C O M P E N S A T I O N EOE M/F/D/V ® New York Life Insurance Company, 2007 FOR RECRUITING PURPOSES ONLY SMRU 00351821 CV * Consists of Sales Incentive, Council Incentive, Annuity Production Bonus and Top Producer Factor. Council Incentive = 8% (Chairman’s), 6% (President’s), 4% (Executive), or 2% (Quality), if agent has at least $24,000 in eligible Life & Annuity Rolling 4 quarters FYC’s. Subject to Conditional Check. Sales Incentive Rate – Eligible Life & Annuity Rolling 4 Quarters FYCs FROM: TO: RATE: FROM: TO: RATE: FROM: TO: RATE: $ 24,000 $ 25,999 7% $110,000 $119,999 24% $340,000 $359,999 41% $ 26,000 $ 28,999 8% $120,000 $129,999 25% $360,000 $379,999 42% $ 29,000 $ 30,999 9% $130,000 $137,999 26% $380,000 $399,999 43% $ 31,000 $ 34,999 10% $138,000 $144,999 27% $400,000 $419,999 44% $ 35,000 $ 38,999 11% $145,000 $154,999 28% $420,000 $439,999 45% $ 39,000 $ 43,999 12% $155,000 $164,999 29% $440,000 $459,999 46% $ 44,000 $ 49,999 13% $165,000 $174,999 30% $460,000 $479,999 47% $ 50,000 $ 53,999 14% $175,000 $189,999 31% $480,000 $499,999 48% $ 54,000 $ 56,999 15% $190,000 $199,999 32% $500,000 $519,999 49% $ 57,000 $ 60,999 16% $200,000 $209,999 33% $520,000 $539,999 50% $ 61,000 $ 65,999 17% $210,000 $229,999 34% $540,000 $559,999 51% $ 66,000 $ 71,999 18% $230,000 $239,999 35% $560,000 $579,999 52% $ 72,000 $ 78,999 19% $240,000 $259,999 36% $580,000 $599,999 53% $ 79,000 $ 84,999 20% $260,000 $279,999 37% $600,000 $619,999 54% $ 85,000 $ 90,999 21% $280,000 $299,999 38% $620,000 $639,999 55% $ 91,000 $ 97,999 22% $300,000 $319,999 39% $640,000 $659,999 56% $ 98,000 $109,999 23% $320,000 $339,999 40% $660,000 + 57%

22. Cumulative Compensation From 30 Years of Sales* C O M P E N S A T I O N 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $50,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $9,000 $6,000 $6,000 $6,000 $6,000 $10,000 $14,545 $19,091 $23,636 $23,636 $25,455 $27,273 $29,091 $30,909 $30,909 $32,727 $34,545 $36,364 $38,182 $42,727 $44,545 $46,364 $48,182 $50,000 $51,818 $53,636 $55,455 $57,273 $59,091 $60,909 $9,091 $22,727 $40,909 $40,909 $40,909 $40,909 $40,909 $54,545 $54,545 $54,545 $54,545 $54,545 $59,091 $59,091 $59,091 $59,091 $59,091 $59,091 $59,091 $59,091 $59,091 $59,091 $59,091 $59,091 $59,091 $59,091 $59,091 $59,091 $36,010 $21,060 $12,960 $86,010 $86,060 $87,051 $87,182 $105,364 $109,909 $114,455 $119,000 $123,545 $137,182 $139,000 $140,818 $142,636 $144,455 $149,000 $150,818 $152,636 $154,455 $156,273 $160,818 $162,636 $164,455 $166,273 $168,091 $169,909 $171,727 $173,545 $175,364 $177,182 $179,000 $86,010 $172,070 $259,121 $326,002 $431,366 $541,275 $655,729 $774,729 $898,275 $1,035,457 $1,174,457 $1,315,275 $1,457,911 $1,602,366 $1,751,366 $1,902,184 $2,054,820 $2,209,275 $2,365,548 $2,526,366 $2,689,002 $2,853,457 $3,019,730 $3,187,820 $3,357,730 $3,529,457 $3,703,002 $3,878,366 $4,055,548 $4,234,548 $1,375 $2,900 $4,675 $6,825 $9,475 $12,250 $15,150 $18,175 $21,325 $24,850 $28,425 $32,050 $35,725 $39,450 $43,300 $47,200 $51,150 $55,150 $59,200 $63,375 $67,600 $71,875 $76,200 $80,575 $85,000 $89,475 $94,000 $98,575 $103,200 $107,875 $86,010 $172,070 $259,121 $326,002 $431,366 $541,275 $655,729 $774,729 $898,275 $1,035,457 $1,174,457 $1,315,275 $1,457,911 $1,602,366 $1,751,366 $1,902,184 $2,054,820 $2,209,275 $2,365,548 $2,526,366 $2,689,002 $2,853,457 $3,019,730 $3,187,820 $3,357,730 $3,529,457 $3,703,002 $3,878,366 $4,055,548 $4,234,548 Yr Cal Year FYC Expense Allowance Ren Com/ Serv Fees PDN Additional Allowance Year Total Running Total NYLIC Ret Cumulative Benefits *The projected compensation figures shown for this program are based on the Company’s current compensation assumptions and the information input by the agent. These figures are only estimates of future income and benefits and the Company does not assume any liability for their accuracy. The Company reserves the right to amend or terminate any of the plans at any time without notice.

23. Cumulative Compensation From 30 Years of Sales – 5% Increase Per Year* C O M P E N S A T I O N 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 $50,000 $52,500 $55,125 $57,811 $60,755 $63,814 $67,005 $70,355 $73,873 $77,566 $81,445 $85,517 $89,793 $94,282 $98,997 $103,946 $109,114 $114,601 $120,331 $126,348 $132,665 $132,665 $132,665 $132,665 $132,665 $132,665 $132,665 $132,665 $132,665 $132,665 $9,450 $9,923 $10,997 $12,155 $12,763 $14,071 $15,478 $16,252 $17,840 $18,732 $20,524 $22,448 $23,571 $25,739 $28,066 $29,469 $30,942 $33,693 $36,641 $38,473 $39,799 $39,799 $39,799 $39,799 $39,799 $39,799 $39,799 $39,799 $39,799 $5,455 $5,727 $6,014 $6,314 $11,175 $16,280 $21,639 $27,267 $28,630 $31,880 $35,292 $38,875 $42,636 $44,768 $48,825 $53,084 $57,557 $62,253 $69,911 $75,224 $80,804 $85,939 $91,330 $96,991 $102,935 $108,574 $113,891 $118,871 $123,497 $9,091 $23,182 $42,253 $44,649 $46,881 $49,225 $51,687 $67,907 $71,303 $74,868 $78,611 $82,542 $91,214 $95,775 $100,564 $105,592 $110,872 $116,415 $122,236 $128,348 $134,765 $140,297 $144,297 $146,085 $147,962 $149,933 $152,002 $154,175 $36,010 $21,060 $12,960 $86,010 $88,465 $92,826 $98,074 $121,767 $132,401 $144,237 $156,698 $169,078 $191,944 $203,359 $216,201 $229,727 $243,031 $260,718 $276,612 $292,261 $308,692 $327,148 $349,314 $368,598 $381,616 $393,168 $404,092 $413,753 $421,484 $429,000 $426,288 $443,337 $450,136 $86,010 $174,476 $267,301 $346,161 $467,932 $600,333 $744,570 $901,268 $1,070,346 $1,262,290 $1,465,649 $1,681,850 $1,911,576 $2,154,608 $2,415,326 $2,691,938 $2,984,198 $3,292,890 $3,620,038 $3,969,352 $4,337,951 $4,719,567 $5,112,735 $5,516,827 $5,930,579 $6,352,064 $6,781,063 $7,217,351 $7,660,689 $8,110,825 $1,375 $2,969 $4,892 $7,287 $10,301 $13,591 $17,171 $21,054 $26,257 $30,045 $35,122 $40,503 $46,203 $52,239 $58,100 $65,535 $72,762 $80,400 $88,470 $97,068 $106,147 $115,547 $125,265 $135,283 $145,567 $156,063 $166,766 $177,669 $188,767 $200,051 $86,010 $174,476 $267,301 $346,164 $467,932 $600,333 $744,570 $901,268 $1,070,346 $1,262,290 $1,465,649 $1,681,850 $1,911,576 $2,154,608 $2,415,326 $2,691,938 $2,984,198 $3,292,890 $3,620,038 $3,969,352 $4,337,951 $4,719,567 $5,112,735 $5,516,827 $5,930,579 $6,352,064 $6,781,063 $7,217,351 $7,660,689 $8,110,828 Yr Cal Year FYC Expense Allowance Ren Com/ Serv Fees PDN Additional Allowance Year Total Running Total NYLIC Ret Cumulative Benefits *The projected compensation figures shown for this program are based on the Company’s current compensation assumptions and the information input by the agent. These figures are only estimates of future income and benefits and the Company does not assume any liability for their accuracy. The Company reserves the right to amend or terminate any of the plans at any time without notice.