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NEW YORK LIFE INSURANCE COMPANY

NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION

NYLIFE INSURANCE COMPANY OF ARIZONA

Customer Electronic Consent and Disclosure

(the “Consent”)

IMPORTANT NOTICE - PLEASE READ CAREFULLY

Thank you for agreeing to use New York Life’s electronic application solution. This

solution allows you to sign your application forms and receive important policy

communications electronically. Please review the Consent below. It explains how this

solution will work. For example, it addresses:

• what your electronic signature means;

• what communications you will receive and over what period of time;

• what hardware or software you will need to participate in the program;

• how you may revoke your consent; and

• what to do if you fail to receive your communications electronically.

Once you have fully reviewed and agree to the terms of the Consent, please click the “I

Agree” button below.

What is the purpose of the Consent?

You are applying for an Annuity contract from New York Life Insurance Company, New

York Life Insurance and Annuity Corporation, or NYLIFE Insurance Company of Arizona

(“New York Life”) and have expressed your desire to electronically sign and/or initial the

Application Forms for the Annuity contract (the “Annuity Policy”) and electronically

receive communications related to the application for the Annuity Policy. To conduct this

business electronically, you must provide New York Life and its authorized designees

and agents with your consent. By clicking the “I Agree” button below and agreeing to

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the Consent, you will be providing New York Life and its authorized designees and

agents, with your consent to the following:

(a) to have the Required Documents that are described in the Consent delivered

to you electronically;

(b) to execute via electronic means the Application Forms that are described in

the Consent; and

(c) to agree to all of the terms and conditions set forth below in the Consent.

If you do not want to have the Required Documents delivered to you electronically, if

you do not want to execute via electronic means the Application Forms, and/or if you do

not agree with all of the terms and conditions of the Consent, you may not conduct

business electronically with New York Life, and you must click the “I Decline” button

below to cancel the transaction. If you do so, the application for the Annuity Policy will

be taken in paper.

Once I agree to the Consent, what does it cover?

The Consent covers your agreement to all of the terms and conditions of the Consent,

including your agreement to:

1. execute via electronic means any documents that New York Life

requires to be signed in connection with the application process for this

Annuity Policy (the “Application Forms”);

2. be bound with the same force and effect as if you had affixed your

signature on paper, by hand, when you: (a) click “Sign Here” and apply

your electronic signature; (b) click “Initial Here” and apply your

electronic initials or (c) otherwise apply your electronic signature or

initials to the Application Forms;

3. receive via electronic means any documents, including any Application

Forms, that New York Life is required to deliver and/or make available to

you, in writing, in connection with the Annuity Policy (the “Required

Documents”).

Even though you have provided New York Life with the Consent, New York Life may, at

its option, deliver the Required Documents to you in paper.

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All electronic signatures and electronic initials will reflect the time and date they are

applied in Eastern Time, regardless of the Time Zone in which you are located.

How are my electronic signature and electronic initials applied?

If you agree to the Consent, you will be able to electronically sign and initial all required

fields. To electronically apply you signature and initials, you will be automatically

navigated to each required signature and initial field and prompted to apply your

electronic signature and initials. Your electronic signature and electronic initials will not

become effective until you confirm them at the end of the electronic signature process.

Until that point, you may cancel the electronic application process at any time.

May I obtain paper copies of the Required Documents and the Consent?

Yes. You may obtain paper copies of any of the Required Documents and/or the

Consent at any time and without charge by contacting your agent.

Should I maintain copies of the Required Documents received by electronic

means?

Yes. You agree to print or save the Required Documents and to keep printed or

electronic copies of them for your records. If you have any trouble with printing or

saving, you should contact your agent.

In what form will I receive Required Documents by electronic means?

Required Documents will be provided in Portable Document Format (PDF). You agree

that you must have Adobe® Acrobat® viewer software installed on your personal

computer or mobile device in order to view these Required Documents. You agree that

if you do not have the ability to access and retain PDF documents, you should not agree

to the Consent. By agreeing to the Consent, you acknowledge that you can access the

Required Documents on your personal computer or mobile device in PDF form.

How will I receive Required Documents by electronic means?

Once the application for the Annuity Policy is complete, you will receive an email at the

address that you provided to your agent. This email will contain a link. Upon selecting

the link, you will be prompted to verify your identity. Once your identity is verified, you

will be able to view, download, and/or print all the Required Documents pertaining to

your Annuity Policy. You will be able to access the Required Documents for 120

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calendar days after you receive the email. You may also always contact your agent for

copies of the Required Documents.

How long will the Consent remain in effect?

The Consent shall become effective once you click the “I Agree” button below and shall

remain in effect until you withdraw your consent (as described in the next section) or the

Annuity Policy is issued.

What if I change my mind?

You may only withdraw your consent to do business electronically before the

Annuity Policy is issued. If you would like to do so, you must provide your agent

with a written withdrawal of your consent to do business electronically. This will

terminate the Consent and your Annuity Policy application as of the date you

submit a written withdrawal request. If New York Life issues the Annuity Policy

before your withdrawal is recorded, and you wish to cancel this Annuity Policy

thereafter, you must exercise your right to surrender the Annuity Policy

according to its terms. There is no charge to withdraw your consent.

What if my contact information changes?

You must keep New York Life informed of any changes to your e-mail address. You

may inform New York Life of any such changes by contacting your agent.

Are there any hardware or software requirements to do business electronically

with New York Life?

Yes. To do business electronically with New York Life and to access and retain the

Required Documents sent or made available to you electronically by New York Life, you

must have a personal computer or mobile device with appropriate browser software,

such as Microsoft Internet Explorer®, Mozilla® Firefox®, or equivalent, and email

software as well as communications access to the Internet. Additionally, pop-up

blockers must be turned off in order to view the Application Forms both before and after

you apply and confirm your electronic signatures and initials. You must ensure that the

mobile device that you are using to view or electronically sign the Application Forms

allows you to access all associated content. This access may incur charges from

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Internet Service Providers and telephone or cable companies. These costs are your

responsibility. To view the Required Documents in the PDF, you must have Adobe®

Acrobat® viewer software. This software is available for download, free of charge, from

the Adobe Web site (www.adobe.com). You must have the ability to save the Required

Documents to a storage device for later reference or have a connection between your

computer or mobile device and a printer so you can print out the Required Documents.

What if I provide New York Life with an invalid E-mail Address?

If you do not receive the Required Documents by electronic means because your e-mail

proves to be invalid, New York Life will send you the Required Documents via U.S. Mail

using the address that you provided on your Application forms.

What if I don’t receive Required Documents by electronic means?

From time to time, you should understand that e-mail may not transmit properly, your

Internet Service Provider may experience system failure, or other electronic delivery

problems may arise. You agree that if you do not receive any of the Required

Documents by e-mail, you will contact your agent to request the Required Documents.