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You're Not Just Setting Meetings — You're Opening the Door to Organizational Transformation As the Outreach & Business Development Consultant at JLM Business Developments, you play a critical role in connecting organizations with the leadership restoration work they didn't know they needed — but can't afford to ignore. JLM doesn't sell wellness perks. We rebuild organizational capacity from the inside out: leadership identity, emotional resilience, communication structures, and the internal stability that makes sustainable performance possible. Your role? Find the organizations that need this work. Start the conversation. Open the door. What You'll Do Lead Generation & Strategic Research (Core Function) You'll identify corporate organizations struggling with what most wellness programs can't fix: burnout at the leadership level, culture erosion, communication breakdowns, and performance that's costing people their peace. Your responsibilities include: • Researching HR departments, People & Culture leaders, and executive decision-makers, • Identifying companies experiencing leadership strain, retention issues, or cultural instability, • Building your own targeted outreach lists using strategic direction from JLM, • Locating the right point of contact within each organization, • Taking initiative to discover new opportunities and qualify leads independently You're not following a script. You're doing the detective work to find organizations ready for transformation. Corporate Outreach (Phone & Email) This is a professional calling role focused on meaningful connection — not high-pressure sales tactics. You will: • Make outbound calls to HR Directors, C-suite executives, and organizational leaders, • Navigate gatekeepers with professionalism and confidence, • Introduce JLM's Leadership Wellness Architecture™ in a way that resonates with real organizational pain, • Communicate clearly, confidently, and without sounding scripted or pushy, • Build rapport quickly by asking thoughtful, strategic questions, • Identify organizational needs: Is leadership struggling? Is culture breaking? Are people performing but not thriving?, • Present JLM's mission in a grounded, compelling way that positions us as a strategic partner, not a vendor Who You Are You'll Thrive in This Role If You: ✔ Have strong communication and phone presence — you sound confident, credible, and human ✔ Are comfortable making professional outbound calls to executive-level contacts ✔ Have experience speaking with HR leaders, executives, or senior decision-makers ✔ Can build rapport quickly without sounding salesy or transactional ✔ Understand corporate challenges like burnout, leadership fatigue, retention struggles, and culture strain ✔ Are organized, detail-oriented, and follow-through is second nature ✔ Have experience in lead generation, outreach, or appointment setting (especially in B2B or corporate environments) ✔ Enjoy initiating meaningful conversations that lead somewhere important ✔ Are comfortable working remotely with autonomy, discipline, and minimal oversight ✔ Prefer structured independence over micromanagement Backgrounds That Set You Up for Success: • Corporate recruiting or talent acquisition, • B2B appointment setting (especially in consultative, non-pushy environments), • Business development or corporate outreach roles, • HR, coaching, or leadership development, • Corporate wellness, employee well-being, or people operations, • Customer success or account management (corporate-level relationships), • Remote independent contracting or freelance consulting The Impact You'll Make Your outreach directly contributes to helping organizations: ✅ Rebuild leadership capacity before it becomes a retention crisis ✅ Restore emotional stability across teams and cultures ✅ Strengthen communication systems that actually work under pressure ✅ Create workplaces where people feel valued, aligned, and understood ✅ Transform performance from something leaders survive into something they sustain This isn't transactional work. You're part of organizational transformation from the very first conversation. Compensation (Read Carefully Before Applying) Independent Contractor | Commission-Based • 10% commission on corporate contracts that result from prospects you identify and schedule, • No base pay, hourly rate, or guaranteed weekly income How to Apply Submit your resume and a brief note explaining: 1. Your experience with corporate outreach or lead generation, 2. Why you're drawn to this type of work

This position contributes to the success of Ralph Lauren Coffee by providing customer service to exceed customers' expectations. This job is vital to our company's success by providing customers with prompt service, quality beverages & products, and maintaining a clean and comfortable store environment. All team members are expected to model and act in accordance with Ralph Lauren Corporation policies. Essential Duties & Responsibilities • Greets customers and takes orders; processes cash and credit card transactions., • Prepares and serves hot and cold beverages according to brand specifications and the customers’ requests., • Serving prepared foods & pastries., • Delivers customer service to exceed customers' expectations by responding to their needs with a sense of urgency., • Ability to multitask and remain calm during periods of high volume to keep store operating to standard and to set a positive example for the team., • Maintains appearance of location ensuring product is stocked to appropriate levels and all areas are properly cleaned and sanitized, • Keeps equipment operating by following operating instructions., • Maintains safe and healthy work environment by following organization standards and sanitation regulations., • Communicates effectively with store manager regarding store, employee and customer needs., • Communicate customer feedback to managers and recommend new menu items, • Maintains a positive attitude towards guests, customers, clients, co-workers, etc., • Maintain regular and consistent attendance and punctuality, • Must have 1+years Previous experience as a barista or in a related position., • General coffee knowledge and a comprehensive understanding of the entire process from farm to cup., • Experience using a manual espresso machine and ability to calibrate the espresso machine and coffee grinder., • Ability to pour latte art., • Must have NYC Food Handler’s Certification., • Demonstrates excellent customer service and interpersonal skills, both written and verbal., • Available to work flexible hours including: Early mornings, evenings, weekends, nights and/ or holidays., • Basic Math skills., • Must be able to stand for long periods of time and requires occasional lifting, carrying, pushing, pulling of up to 25 lbs., • Passionate about Coffee, • A passion for hospitality and guest service, • An outgoing and energetic disposition, • A polished and stylish presence, • Strong verbal and written communication skills, • Proficiency with various POS's is Preferred

alchemy. is a New York–born lifestyle brand offering jewelry, apparel, candles, fragrance, and home décor – all designed to capture the spirit of the city and elevate everyday rituals. We are looking for enthusiastic and reliable Sales Associates to join our team at our new downtown Manhattan flagship store. Role & Responsibilities • Deliver an exceptional guest experience by greeting guests, sharing our brand story, and assisting with purchases., • Drive sales by confidently speaking to product categories and promotions (jewelry, apparel, fragrance, candles, and gifts)., • Encourage and process in-store shipping orders for customers who prefer delivery of purchases., • Maintain store standards, including merchandising, cleanliness, and restocking inventory., • Process sales quickly and accurately at the point of sale., • Support opening and closing duties, depending on shift., • Create and post daily content for social media, following the brand’s content calendar and highlighting new merchandise., • Previous retail or customer-facing experience preferred, but not required., • Ability to work early morning or evening shifts, and commit to weekend availability., • Strong communication skills and a warm, approachable demeanor., • Reliable, punctual, and comfortable working in a busy airport retail setting., • Interest in jewelry, fashion, fragrance, and lifestyle products is a plus. Compensation & Perks • Competitive hourly pay plus bonus opportunities. If you’re passionate about creating memorable customer experiences and want to be part of a dynamic, growing team, we’d love to meet you. About Us alchemy. is a woman-owned, NYC-born lifestyle brand offering jewelry, fragrance, apparel, and candles designed for the modern traveler. We bring a curated selection of small-batch and elevated essentials to an international audience. As an independent operator in a space traditionally dominated by large corporations, alchemy. represents the growing voice of local and emerging businesses in retail. Our founder is proud to be one of the few small-business owners operating in this environment, bringing authenticity, creativity, and a distinct New York spirit to travelers from around the world. We are looking for enthusiastic and reliable Sales Associates to join our team and help us deliver a standout experience in this unique setting.

We are excited to announce the opening of our brand new DMC office in New York and are seeking a talented Project Manager. This role requires extensive knowledge of New York as a corporate event destination, catering to international corporate groups. Key Responsibilities: • Manage and execute corporate events for our clients, ensuring a high standard of service., • Leverage your deep understanding of New York's corporate event landscape to plan and coordinate activities that meet client needs., • Collaborate with various teams to ensure seamless event execution and client satisfaction., • Develop strategic relationships with local vendors and venues to enhance event offerings., • Monitor the event budget and ensure financial objectives are met. Qualifications: • Proven experience in project management, specifically in the corporate events sector., • Strong understanding of New York as a destination for international corporate events., • Excellent organizational, communication, and leadership skills., • Ability to manage multiple projects simultaneously with a high level of attention to detail. We are looking for a dedicated professional eager to contribute to our dynamic team. If you have a passion for event management and a deep knowledge of New York's corporate event scene, we would love to hear from you.

We are a clean tech as a service company working with world-famous names in multiple industries, providing environmentally preferable cleaning, maintenance, sanitizing and disinfecting products and technologies. Our program eliminates large volumes of plastic, toxic chemicals and carbon emissions to mass consumers in our space and has a beneficial, triple bottom line impact. Our disruptive and innovative model has captured the attention of some of the biggest names in business. Our company is a certified B Corporation; a values-based, mission-driven business that operates according to the principles of sustainability and integrates these into daily decision making and sales. We provide a dynamic, open, exciting work environment providing many opportunities to learn new elements of business and sustainability. Communication is the key to happiness for us and we thrive on employee questions, suggestions, and feedback. We have an immediate opening for a Operations Specialist manager position, with possible remote working days as an Operations Specialist with an opportunity to advance, whose primary responsibilities include: • Work & communicate with equipment and parts vendors, • Processing parts & service requests from field techs & customers, • Ordering parts and equipment, • Receiving parts orders into inventory, • Manage Equipment inventory levels & par stocks at HQ and around the U.S., • Shipping and tracking orders, • Track shipments, • Assist with fulfillment and receiving teams, • Using company’s CRM - customer, service & parts tracking software, • Eager, team player, • Strong computer skills in Google suite, Microsoft office, • 1 year Customer Service or Operations experience - preferred, • Strong attention to detail, • Bilingual English/Spanish preferred, • $55K to $60K per year, with salary review in 6 months, • Health Benefits after 3 months, • 15 days PTO

POSITION: The Sales Manager is responsible for overseeing the designated studio(s) to ensure the studio is set-up for sales and marketing success. He/she will also ensure that the studio is well-maintained and that customer service standards are upheld to beem® standards. He/she will oversee all aspects of studio functionality including the above, as well as Operations, and the direct supervision of Wellness Sales Associates. He/she must have strong customer service skills, knowledge of PC/Mac computers, able to communicate in an effective and efficient way, be team-oriented, and have a drive and passion for sales, goals, and service. JOB REQUIREMENTS: • 2+ years of sales and/or fitness/health/wellness sales experience, • Proven experience in initiating, nurturing, establishing strong B2B partnerships, • Proven experience in generating new leads, • Prove experience in following up on leads and converting into new sales, • Confident in generating personal sales, as well as training Wellness Sales Associates in sales, • Ability to manage and drive all revenue streams: memberships, packages, and retail, • Must be fluent in English and have excellent communication and strong interpersonal skills in person, on the telephone and via email, • Strong customer service skills, • Experience supervising people successfully, • Ability to excel in a fast changing, diverse environment, • Ability to assess KPI’s, and recognize areas of improvement and make changes using good judgement, • Solid writing and grammar skills, • Highly organized, proficient in data management, ability to prioritize and meet deadlines, • Professional, punctual, reliable and neat, • Strong attention to detail and accuracy, • Trustworthy and ability to handle confidential information, • Ability to work harmoniously with co-workers, clients and the general public, • Ability to stay calm at all times and act respectfully and professionally, even with customers who may become angry or raise their voices, • Proficient with computers and Studio software DUTIES • Create and execute ongoing marketing plan based on studio needs with a focus on new client acquisition, activation, retention and loyalty, • Lead Generation including, but not limited to: B2B networking and partnerships, organic grassroots marketing set-up, organic lead generation from everyday interaction, • Membership Sales including but not limited to: in-person, over the phone, online, • Retention: implementing proven process to encourage usage and retain members for as long as possible, • Manage and grow all revenue streams including Memberships and Retail, • Recruit, hire, train, supervise, coach, mentor all studio staff, • Management of digital communications including but not limited to: social media, email campaigns, text campaigns, etc., • Manage maintenance issues, inventory and cleaning, • Manage studio budget, spending, and reporting, • Participate in studio, regional and company-wide meetings and trainings as needed, • Work closely with Studio Owner and beem® Corporate Sales team to ensure health and profitability of the studio PHYSICAL REQUIREMENTS • The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Employee must be able to work hours that may exceed 8 hours per day and/or 40 hours per week including nights and weekends, especially during peak activity periods., • May be required to sit or stand for up to four+ hours at a time. May be required to reach with hands and arms. Must be able to bend, lift, kneel, and drive a car. This job requires the person to climb up and down flights of stairs as elevators are not present at all locations. May be asked to occasionally lift up to 30 pounds., • Specific vision abilities required by this job include Close vision, Distance vision, Peripheral vision, Depth perception and the ability to adjust and focus, • Must be able to effectively hear in person and via telephone

We are seeking a professional and courteous Front Desk Agent to join our team at a high-profile corporate building. This role is ideal for someone who thrives in a polished, business-oriented environment and enjoys providing exceptional guest services to professionals like investment bankers, attorneys, and financial advisors. Key Responsibilities: • Welcome and assist visitors as they enter the building, ensuring a friendly and professional demeanor at all times., • Check IDs and manage access passes to maintain building security and access control., • Answer incoming calls and direct them appropriately., • Perform light data entry tasks and maintain visitor logs as needed., • Serve as the first point of contact for any guest inquiries or assistance., • Coordinate with building management for any emergency response or security-related concerns. Qualifications: • Previous experience in a front desk, concierge, or security role is preferred., • Strong communication skills and a customer service mindset., • Ability to handle multiple tasks efficiently in a fast-paced corporate setting., • Familiarity with basic office software and data entry. Compensation and Benefits: • Pay rate of $22 to $27 per hour, depending on experience and credentials., • Eligibility for benefits after a 90-day probation period, including health insurance, dental plan, paid vacation, and sick days., • Participation in a 401(k) savings plan. We are an equal opportunity employer and welcome candidates from all backgrounds to apply.

Join our team as a CDL Driver for a consumer product corporation located near Exit 13A off the NJ Turnpike. Enjoy a day shift schedule and earn $35 per hour, with opportunities for overtime and additional incentives. Our routes are within New Jersey, ensuring that you will be home the same day. Requirements: • Valid CDL, • Medical Card, • Clearinghouse Registration, • Clearance to Drive We are hiring immediately, so if you meet the qualifications and are ready to join a dynamic team, apply now

A Potbelly Associates job is to make our customers really happy. Since they are the primary point of customer contact, it is up to them to provide our customers and excellent experience by providing fast, friendly and efficient service and by delivering a quality and consistent product every time, in a clean and inviting environment. FOCUS Essential Demonstrates and reinforces Potbellys Behaviors and Values Integrity, Food Loving, Teamwork, Accountability, Positive Energy, Coaching, Delivering Results through Execution, Building and Inspiring Teams, Creating Potbelly Fans Restock food line, chips and cooler. Work multiple stations (load, dress, shakes, cash, prep, front) as directed by Manager or Shift Leader Deliver catering orders as detailed in the Catering Driver and Delivery Agreement. Prepare meats and cheeses for different sandwiches. If 18 or older, uses the automatic slicer to prep food items. Clean tables, counters, floors, bathrooms, kitchen and utensils; take out trash. Operate cash register: handle, balance and follow all cash handling procedures. Effectively handle customer complaints/issues. Takes delivery/catering/pickup orders over the phone. Others duties as assigned. PHYSICAL FUNCTIONS Ability to stand/walk a minimum of 3 hours or as needed. Must be able to exert well-paced and frequent mobility for periods of up to 3 hours or as needed. Be able to lift up to 10 pounds frequently and up to 50 pounds occasionally. Will frequently reach, feel, bend, stoop, carry, finely manipulate and key in data. Able to work in both warm and cool environments, indoors (95%) and outdoors (5%). Must be able to tolerate higher levels of noise from music, customer and employee traffic. Must be able to tolerate potential allergens: peanut products, egg, dairy, gluten, soy, seafood and shellfish. EXPERIENCE, EDUCATION AND BEHAVIORS Must represent Potbelly Advantage and Our Values. Must be at least 16 years of age For Illinois employees, all employees are required to become food safety certified within 30 days of employment. Failure to do so will result in termination of employment. Must be friendly and customer service-oriented. Strong verbal communication skills. Must possess neat and clean hygiene. Ability to handle a knife confidently. Must be able to work in a fast-paced environment and have a sense of urgency. Ability to work as a team-player. Ability to comprehend and communicate in English via verbal and written communication, such that employee can perform his or her job responsibilities. Must demonstrate leadership behaviors and values that align with Potbelly. You are applying to work with a franchisee of Potbelly Corporate. If hired, the franchisee will be your only employer. Franchisees are independent business owners who set own terms of employment, including wage and benefit programs, which can vary between franchisees. Brand: Potbelly Address: 501 7th Ave, New York, NY 10018, United States

Looking for a reliable driver to deliver and pick up vehicles across New York City, including JFK, LGA, and local boroughs. Must have a valid driver’s license, clean driving record, and familiarity with NYC airports. Responsibilities include safe vehicle transport, timely communication, and professionalism with clients.

Staffing Coordinator (Homecare) Humancare Home Health care is currently interviewing for an experienced Staffing Home Care Coordinator for our Brooklyn Corporate Office. As the applicant you must have coordination experience staffing adult patients with HHA's/PCA'S in a LCHSA and some common knowledge working with HHA Exchange database or similar staffing database experience. Must be bilingual in English/Spanish Some Requirements to be considered: • Must have Home Care coordinating experience (Adult Population), • Nice to have HHA Exchange experience (Can train with experience in staffing), • Familiar within some or all Caribbean Cultures, • Bilingual English/ Spanish Responsibilities: Responsible for the daily coordination of home health aide placement, confirm coverage for new cases and confirm replacements for sick/emergency calls outs/no show no calls Dashboard maintenance: monitor HHA Exchange to confirm daily missed visits and weekly pre-billing updates. Communicate all updates to the contract/insurance companies Responsible for completing Incident/updates reports Document all notes in HHA exchange Responsible for on call coverage to ensure Home Health Aide placement MUST HAVE AT LEAST 1-2 YEAR's EXPERIENCE IN A HOME CARE SETTING COMMUTE TO/ OR LIVE IN BROOKLYN, NY • DAILY CALL MAINTENANCE, • DAILY PRE-BILLING, • COMMUNICATE WITH PATIENTS ON DAILY BASIS, • COMMUNICATE WITH PCA'S/PA'S ON DAILY BASIS, • COMMUNICATE WITH MLTC'S AND CHHA'S, • STAFF OPEN CASES, • CALL PA'S/PCA'S WHEN MISSING TIME SHEETS, • MUST BE A TEAM PLAYER--- AND WILLING TO GROW WITH COMPANY Job Type: Full-time Benefits: • Dental insurance, • Health insurance, • Paid time off, • Vision insurance, • Work Location: In person

About Us Ubuntuu House is more than an organization—it’s a movement. Rooted in the African philosophy “I am because we are,” we are dedicated to uplifting youth, families, LGBTQIA+ communities, and all who seek healing, empowerment, and cultural pride. Through wellness, entrepreneurship, arts, and advocacy, we are creating spaces of resilience and hope across Brooklyn and beyond. What We’re Looking For The Director of Development is responsible for leading and implementing the organization’s fundraising strategy. This includes managing donor relationships, securing major gifts, grants, and sponsorships, and building a culture of philanthropy across the organization. Key Responsibilities: Develop and execute an annual fundraising plan to meet revenue goals Cultivate and steward relationships with individual donors, foundations, and corporate partners Write grant proposals and manage reporting requirements Oversee donor database and maintain accurate records Plan and manage fundraising events and campaigns Collaborate with the Executive Director and Board to support fundraising efforts Supervise development staff or contractors as needed Qualifications: 5+ years of experience in fundraising or development Strong communication and relationship-building skills Proven track record of securing funding from multiple sources Experience with donor databases (e.g., Salesforce, DonorPerfect, etc.) Ability to work independently and as part of a team

Financial Professional Are you a leader who has the following traits? • Competitive, • Entrepreneurial, • Coachable, • Communicative, • Self-disciplined What we’re looking for... We’re looking for people who want to make a lasting impact on the financial well-being of individuals, families, and small businesses. This is not just a sales job—it’s a career with purpose and opportunity. You’ll provide peace of mind to your clients while helping them navigate challenges that many of them find complex and confusing, such as preparing for retirement and saving for college. As an insurance agent, you will have the opportunity to see the positive impact of your work for years to come. You will grow personally and professionally along with your clients. What we offer... Training and development We’ll equip and train you with a multifaceted approach that includes an industry-leading learning platform, personalized coaching from dedicated training professionals, and the ability to obtain industry professional designations. We are so committed to training that we’ll subsidize it in your first two full-time contract years, providing you with additional funds, if you qualify, to help keep you on your feet while you complete our training program and grow your business. You’ll also be eligible to get rewarded and acknowledged with sales incentives and professional-development trips for our top-performing insurance agents. Digital tools Beyond this training and support, New York Life will equip you with the tools you need to succeed day-to-day, including experts on hand to answer your questions and a suite of digital sales, prospecting, and marketing tools that will help you attract and retain your clients with web, social, and email content. Products and solutions Together with its subsidiaries, New York Life provides a range of products, including life insurance, annuities, long-term care insurance, disability income insurance, and investment products such as mutual funds1 through our broker-dealer arm, NYLIFE Securities LLC (member of FINRA and SIPC), a Licensed Insurance Agency, ensuring that the solutions you develop with your clients can help them and their families achieve their financial goals. You’ll also be able to specialize and gain expertise in different areas, such as by becoming a financial advisor with Eagle Strategies LLC, our investment advisory division, to offer wealth management and advisory services,2 estate planning strategies, and business solutions. Human guidance When you join New York Life, you’re joining a strong team with peer-to-peer support options like study groups, mentorship, and other opportunities to engage with your fellow insurance agents. How we will compensate you. You have the power to determine your own income with our commission-based compensation.3 In 2023, the average income of our agents under the N8 and N9 Agent’s Contract who met annual minimum sales production requirements was $117,359.4 Individual agent performance will determine your income. Benefits for full-time agents include medical, dental, vision, life, and disability insurance, as well as a 401(k) and pension.5 For more information about commission-based income and benefits for financial professionals. About New York Life... New York Life is a Fortune 100 company with a long history of doing good. We have been in business for over 175 years, helping generations of Americans protect their families and attain their financial goals. As a mutual company, we are accountable only to our policyholders, not to Wall Street or outside investors. We are focused on the long-term success of our clients. Awards & Accolades... We’re proud of our financial strength.6 • A++ Superior (A.M. Best), • AAA Exceptionally Strong (Fitch), • Aaa Exceptional (Moody’s), • 5.3 million LIVES PROTECTED. Includes all owners of individual life insurance and annuity policies, • $937 million LIFETIME ANNUITY INCOME PAID. Includes all payouts on individual income annuity products., • $5 billion IN LIVING BENEFITS AWARDED. Includes life and annuity cash value accumulation and qualifying policy dividends paid. Dividends are not guaranteed., • Over $1.2 trillion LIFE INSURANCE PROTECTION IN FORCE. Includes term, whole, and universal life.8 • The terms ”agent” and ”financial professional” are used interchangeably throughout this brochure and refer to someone who is in a sales role under an agent contract. 1. Offered by properly licensed registered representatives through NYLIFE Securities (member FINRA/SIPC), a Licensed Insurance Agency and a New York Life company., 3. If you qualify for an Introductory (PTAS) Contract, you will preview an agent career with New York Life as an independent contractor while continuing to work at your current job, with limited exceptions. PTAS Agents are not eligible for benefits. During this preview period of up to six months, any sales you make will continue to accrue until you either make enough sales to become a full-time agent under a Training Allowance Subsidy (TAS) Contract or the passage of six months, which ever is earlier. If you do not become a full-time agent, all commissions on any sales you made will be paid to you at the end of six months. If you become a fulltime agent under a TAS Contract, you will be credited with the commissions you accrued under the Introductory Contract., 4. Based on 2023 company data for 8,156 agents operating under our N9 and N8 Agent’s Contracts in all states, without persistency bonus, who were active as of December 31, 2023. N9 is the current contract for new financial professionals. N8 contracts were issued to new financial professionals priorto April 2004. Contracts determine your compensation and benefits. Sales production requirements are determined annually by the company. Historical agent incomes are provided for informational purposes only. Agent income is not guaranteed. Income is dependent upon the sales of each agent. Agent compensation is commission-based and determined through the ledger process. Overall compensation includes positive income credits for commissions based on actual sales and certain allowances or incentives, if eligible, based upon persistency and production, as well as debits associated with commission reversals, authorized expenses, and other items. Each credit and debit posted to the Agent’s Ledger is part of determining the agent’s compensation and no individual credit posted to the ledger is earned until the ledger reconciliation process is complete. Agents receive payments equal to the positive balance on the Agent’s Ledger after the credits and debits are applied., 5. This is necessarily brief and provides only general descriptions of the benefits available to eligible agents under the applicable plans. Specific terms, such as eligibility and benefits, are determined only by the terms and conditions contained in the relevant plan documents. In the event of any conflict between the information herein and the provisions of the plan documents, the plan documents will govern. The company reserves the right to amend or terminate the benefit plans described herein at any time for any reason., 6. New York Life Insurance Company continues to receive the highest financial strength ratings currently awarded to any life insurer in the U.S. from all four major rating agencies. Source: Individual Third-Party Ratings Reports: A.M. Best A++, Fitch Ratings AAA, Moody’s Aaa, and Standard & Poor’s AA+ (as of 11/17/2023). The ratings do not apply to investment products as they are subject to market risk and will fluctuate in value., 7. All figures reflect the consolidated results of New York Life Insurance Company and its domestic insurance subsidiaries, including New York Life Insurance and Annuity Corporation, for the 12 months ending December 31, 2023.