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New York Life Insurance Company; New York, NY 10010

New York Life Insurance Company's reputation is based on 165 years of financial stability, the highest level of integrity, and a commitment to provide the full
measure of coverage and service. New York Life has received the highest ratings from the leading independent rating agencies: A.M. Best (A++), Moody's
Investor Service (Aaa), Standard and Poors (AAA), and Fitch Ratings (AAA) for financial strength*.

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*-Source: Individual Third Party Ratings Reports as of (7/7/10).