ML of New York Variable Annuity Separate Account D

FINANCIAL STATEMENTS

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Years Ended December 31, 2023 and 2022

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Financial Statements

Years Ended December 31, 2023 and 2022

Contents


Report of Independent Registered Public Accounting Firm		1

Financial Statements

Statements of Assets and Liabilities		2
Statements of Operations and Changes in Net Assets		5
Notes to Financial Statements		29

Report of Independent Registered Public Accounting Firm

To the Board of Directors of Transamerica Financial Life Insurance Company and the Contract Owners of ML of New York Variable Annuity Separate Account D

Opinions on the Financial Statements

We have audited the accompanying statements of assets and liabilities of each of the subaccounts of ML of New York Variable Annuity Separate Account D indicated in the table below as of December 31, 2023, and the related statements of operations and changes in net assets for each of the two years in the period ended December 31, 2023, including the related notes (collectively referred to as the “financial statements”). In our opinion, the financial statements present fairly, in all material respects, the financial position of each of the subaccounts of ML of New York Variable Annuity Separate Account D as of December 31, 2023, and the results of each of their operations and the changes in each of their net assets for each of the two years in the period ended December 31, 2023, in conformity with accounting principles generally accepted in the United States of America.


AB Discovery Value Class A Shares		Invesco American Franchise Fund Class A Shares
AB International Value Class A Shares		Invesco Capital Appreciation Class A Shares
AB Large Cap Growth Class A Shares		Invesco Charter Class A Shares
AB Relative Value Class A Shares		Invesco Comstock Class A Shares
AB Value Class A Shares		Invesco Discovery Mid Cap Growth Class A Shares
American Funds - EuroPacific Growth Fund® Class F -1 Shares		Invesco Equity and Income Class A Shares
American Funds - Growth Fund of America® Class F -1 Shares		Invesco Fundamental Alternatives Class A Shares
American Funds - Income Fund of America® Class F -1 Shares		Invesco Global Class A Shares
American Funds - Investment Company of America® Class F -1 Shares		Invesco Main Street Class A Shares
American Funds - The Bond Fund of America® Class A Shares		Invesco Main Street Mid Cap Class A Shares
American Funds - The Bond Fund of America® Class F -1 Shares		Invesco Value Opportunities Class A Shares
American Funds - The Growth Fund of America® Class A Shares		Janus Henderson Enterprise Class A Shares
American Funds - The Income Fund of America® Class A Shares		Janus Henderson Forty Class A Shares
American Funds - The Investment Company of America® Class A Shares		JPMorgan Small Cap Growth Class A Shares
AMG Renaissance Large Cap Growth Class N Shares		Lord Abbett Affiliated Class A Shares
BlackRock Advantage Global Investor A Shares		Lord Abbett Bond-Debenture Class A Shares
BlackRock Advantage International Investor A Shares		Lord Abbett Mid Cap Stock Class A Shares
BlackRock Advantage Large Cap Core Investor A Shares		MFS® Growth Class A Shares
BlackRock Advantage Large Cap Value Investor A Shares		MFS® Mid Cap Growth Class A Shares
BlackRock Advantage SMID Investor A Shares		MFS® Research International Class A Shares


BlackRock Capital Appreciation Investor A Shares		PIMCO CommodityRealReturn Strategy Class A Shares
BlackRock Global Allocation Investor A Shares		PIMCO Low Duration Class A Shares
BlackRock High Yield Bond Investor A Shares		PIMCO Real Return Class A Shares
BlackRock Impact Mortgage Investor A Shares		PIMCO Total Return Class A Shares
BlackRock International Investor A Shares		Pioneer Class A Shares
BlackRock iShares MSCI EAFE International Index Investor A Shares		Pioneer High Yield Class A Shares
BlackRock iShares Russell 2000 Small-Cap Index Investor A Shares		Pioneer Select Mid Cap Growth Class A Shares
BlackRock iShares S&P 500 Index Investor A Shares		Putnam International Equity Class A Shares
BlackRock Large Cap Focus Growth Investor A Shares		Putnam Large Cap Growth Class A Shares
BlackRock Large Cap Focus Value Investor A Shares		Putnam Large Cap Value Class A Shares
BlackRock Low Duration Bond Investor A Shares		TA Aegon Sustainable Equity Income Service Class
BlackRock Total Return Investor A Shares		TA Asset Allocation - Conservative Class A Shares
BNY Mellon Appreciation Investor Shares		TA Asset Allocation - Moderate Class A Shares
Cohen & Steers Real Estate Securities Class A Shares		TA Asset Allocation - Moderate Growth Class A Shares
Columbia Large Cap Growth Opportunity Class A Shares		TA BlackRock Government Money Market Initial Class
Columbia Select Mid Cap Growth Class A Shares		TA Bond Class A Shares
Columbia Select Small Cap Value Class A Shares		TA International Focus Initial Class
Davis New York Venture Class A Shares		TA JPMorgan Mid Cap Value Service Class
Delaware Mid Cap Growth Equity Class A Shares		TA Multi-Managed Balanced Class A Shares
Eaton Vance Floating-Rate Class A Shares		TA Small/Mid Cap Value Class A Shares
Eaton Vance Large-Cap Value Class A Shares		TA Sustainable Equity Income Class A Shares
Federated Hermes Equity Income Class A Shares		TA T. Rowe Price Small Cap Service Class
Federated Hermes Kaufmann Class A Shares		TA TS&W International Equity Service Class
Fidelity Advisor® Equity Growth Class A Shares		TA US Growth Class A Shares
Fidelity Advisor® Overseas Class A Shares		TA WMC US Growth Service Class
Fidelity Advisor® Stock Selector Mid Cap Class A Shares		Virtus AllianzGI Dividend Value Class A Shares
Franklin Templeton Growth Class A Shares		Virtus AllianzGI Small-Cap Value Class A Shares

Basis for Opinions

These financial statements are the responsibility of the Transamerica Financial Life Insurance Company management. Our responsibility is to express an opinion on the financial statements of each of the subaccounts of ML of New York Variable Annuity Separate Account D based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to each of the subaccounts of ML of New York Variable Annuity Separate Account D in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits of these financial statements in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud.

Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. Our procedures included confirmation of investments owned as of December 31, 2023 by correspondence with the custodian, the transfer agents, or the investee mutual funds. We believe that our audits provide a reasonable basis for our opinions.

/s/ PricewaterhouseCoopers LLP

Chicago, Illinois

April 19, 2024

We have served as the auditor of one or more of the subaccounts of ML of New York Variable Annuity Separate Account D since 2014.

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Assets and Liabilities

December 31, 2023


Subaccount	Number of Shares		Cost		Assets at Market Value		Due (to)/from General Account		Net Assets		Units Outstanding		Range of Unit Values

AB Discovery Value Class A Shares		4,105.012	$	83,942	$	88,217	$	-	$	88,217		2,477	$	35.194217	$	38.005419
AB International Value Class A Shares		3,587.973		42,711		51,487		-		51,487		7,192		7.027134		7.515931
AB Large Cap Growth Class A Shares		3,439.489		167,741		282,760		5		282,765		3,383		83.581876		83.581876
AB Relative Value Class A Shares		39,316.734		215,577		239,832		(1)		239,831		4,866		49.288579		49.288579
AB Value Class A Shares		0.111		2		2		(2)		-		-		20.858820		22.525218
American Funds - EuroPacific Growth Fund^® Class F -1 Shares		2,015.538		98,412		109,706		(2)		109,704		4,252		25.233560		27.249901
American Funds - Growth Fund of America^® Class F -1 Shares		9,850.271		515,493		616,725		(1)		616,724		12,577		48.343334		52.205967
American Funds - Income Fund of America^® Class F -1 Shares		4,681.125		107,982		109,351		-		109,351		4,199		25.946882		28.019995
American Funds - Investment Company of America^® Class F -1 Shares		1,872.869		77,948		94,074		-		94,074		2,347		38.577333		41.659675
American Funds - The Bond Fund of America^® Class A Shares		17,402.357		219,292		199,953		(61)		199,892		12,840		15.567785		15.567785
American Funds - The Bond Fund of America^® Class F -1 Shares		3,861.988		45,127		44,374		(121)		44,253		3,684		12.011020		12.970710
American Funds - The Growth Fund of America^® Class A Shares		35,864.791		1,802,121		2,265,220		-		2,265,220		31,099		72.838328		72.838328
American Funds - The Income Fund of America^® Class A Shares		34,190.781		752,147		801,432		26		801,458		20,580		38.943661		38.943661
American Funds - The Investment Company of America^® Class A Shares		29,922.632		1,154,551		1,508,101		(2)		1,508,099		26,790		56.293145		56.293145
AMG Renaissance Large Cap Growth Class N Shares		627.132		8,992		10,417		-		10,417		504		20.400682		20.931984
BlackRock Advantage Global Investor A Shares		896.026		17,679		21,101		1		21,102		594		34.186765		36.917471
BlackRock Advantage International Investor A Shares		-		-		-		-		-		-		19.344883		20.320433
BlackRock Advantage Large Cap Core Investor A Shares		3,873.551		61,671		73,288		(2)		73,286		1,820		38.761663		41.857362
BlackRock Advantage Large Cap Value Investor A Shares		5,587.165		146,925		162,475		-		162,475		5,443		29.789138		32.168360
BlackRock Advantage SMID Investor A Shares		17,415.662		469,565		432,779		(7)		432,772		8,458		30.956983		52.857197
BlackRock Capital Appreciation Investor A Shares		53,167.879		1,423,907		1,695,524		92		1,695,616		31,743		47.163334		61.531638
BlackRock Global Allocation Investor A Shares		143,024.878		2,615,430		2,614,495		(2)		2,614,493		85,235		23.834081		38.897589
BlackRock High Yield Bond Investor A Shares		58,385.967		393,536		411,037		(620)		410,417		25,171		16.048530		16.857797
BlackRock Impact Mortgage Investor A Shares		66,500.005		692,625		614,460		2		614,462		63,442		9.272337		9.745882
BlackRock International Investor A Shares		955.528		14,967		18,279		1		18,280		1,141		15.549329		16.338527
BlackRock iShares MSCI EAFE International Index Investor A Shares		-		-		-		-		-		-		19.049736		20.571587
BlackRock iShares Russell 2000 Small-Cap Index Investor A Shares		-		-		-		-		-		-		30.886061		33.353345
BlackRock iShares S&P 500 Index Investor A Shares		2,290.916		896,112		1,279,958		22		1,279,980		40,798		30.323460		31.648854
BlackRock Large Cap Focus Growth Investor A Shares		11,405.375		51,793		70,713		1		70,714		4,485		15.650928		15.907731
BlackRock Large Cap Focus Value Investor A Shares		81,546.722		1,473,496		1,468,656		16		1,468,672		39,394		29.915467		46.307648
BlackRock Low Duration Bond Investor A Shares		-		-		-		-		-		-		9.809261		10.310151
BlackRock Total Return Investor A Shares		191,527.713		2,075,527		1,922,938		(817)		1,922,121		140,209		12.628402		14.495627
BNY Mellon Appreciation Investor Shares		7,386.483		274,734		301,073		(9)		301,064		7,524		38.947224		42.058130
Cohen & Steers Real Estate Securities Class A Shares		-		-		-		-		-		-		30.970310		33.444244
Columbia Large Cap Growth Opportunity Class A Shares		385.186		4,743		5,450		-		5,450		234		22.960414		23.628988
Columbia Select Mid Cap Growth Class A Shares		-		-		-		-		-		-		24.687271		25.975567
Columbia Select Small Cap Value Class A Shares		36,547.509		565,644		679,053		13		679,066		12,850		52.846130		52.846130
Davis New York Venture Class A Shares		29,320.719		796,481		778,465		(1)		778,464		17,975		31.323834		47.703579
Delaware Mid Cap Growth Equity Class A Shares		5,332.988		90,168		84,688		1		84,689		2,393		34.397373		36.263553


See accompanying notes.		2

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Assets and Liabilities

December 31, 2023


Subaccount	Number of Shares		Cost		Assets at Market Value		Due (to)/from General Account		Net Assets		Units Outstanding		Range of Unit Values

Eaton Vance Floating-Rate Class A Shares		301.644	$	2,597	$	2,624	$	(63)	$	2,561		157	$	15.056436	$	16.259436
Eaton Vance Large-Cap Value Class A Shares		2,669.770		58,434		63,247		(2)		63,245		2,747		22.260193		23.808062
Federated Hermes Equity Income Class A Shares		2,204.041		46,574		48,820		(87)		48,733		2,688		18.108206		18.899834
Federated Hermes Kaufmann Class A Shares		26,561.755		116,943		139,449		(9)		139,440		3,823		35.969777		38.843463
Fidelity Advisor^® Equity Growth Class A Shares		8,332.498		130,341		142,319		1		142,320		1,884		55.478840		75.552571
Fidelity Advisor^® Overseas Class A Shares		0.102		6		3		(3)		-		-		33.360601		33.360601
Fidelity Advisor^® Stock Selector Mid Cap Class A Shares		-		-		-		-		-		-		54.830182		54.830182
Franklin Templeton Growth Class A Shares		724.827		15,810		18,519		(1)		18,518		860		17.798745		27.428072
Invesco American Franchise Fund Class A Shares		848.151		16,445		19,134		9		19,143		642		29.820863		29.820863
Invesco Capital Appreciation Class A Shares		768.894		38,023		49,440		-		49,440		1,313		36.229758		39.123697
Invesco Charter Class A Shares		851.985		14,784		14,467		24		14,491		499		29.062268		29.062268
Invesco Comstock Class A Shares		48,211.217		1,256,027		1,317,130		(1)		1,317,129		31,872		33.522672		55.762880
Invesco Discovery Mid Cap Growth Class A Shares		5,770.677		133,847		135,784		-		135,784		9,884		13.737537		13.737537
Invesco Equity and Income Class A Shares		7,080.680		72,049		71,373		12		71,385		1,841		38.773197		38.773197
Invesco Fundamental Alternatives Class A Shares		1,130.565		27,259		27,054		-		27,054		1,695		15.963472		15.963472
Invesco Global Class A Shares		227.761		22,993		20,451		6		20,457		373		54.908256		54.908256
Invesco Main Street Class A Shares		3,969.596		186,322		197,289		-		197,289		4,362		36.167393		49.580048
Invesco Main Street Mid Cap Class A Shares		2,742.196		62,539		73,271		(4)		73,267		2,086		33.805532		36.505631
Invesco Value Opportunities Class A Shares		454.992		7,242		8,062		1		8,063		2,927		2.685749		2.824591
Janus Henderson Enterprise Class A Shares		7,821.454		940,587		970,877		2		970,879		16,783		56.534354		59.900944
Janus Henderson Forty Class A Shares		1,076.554		38,289		49,166		(1)		49,165		1,032		46.057308		49.259528
JPMorgan Small Cap Growth Class A Shares		537.395		7,314		8,523		-		8,523		261		31.557220		33.751822
Lord Abbett Affiliated Class A Shares		1,821.627		28,295		30,694		1		30,695		1,146		26.010024		28.087904
Lord Abbett Bond-Debenture Class A Shares		39,267.008		293,137		278,010		(446)		277,564		12,369		19.675831		27.485161
Lord Abbett Mid Cap Stock Class A Shares		14,693.238		402,426		471,800		(1)		471,799		12,878		26.672047		41.785968
MFS^® Growth Class A Shares		4,331.635		475,602		683,575		-		683,575		14,563		46.940147		46.940147
MFS^® Mid Cap Growth Class A Shares		23,252.692		427,171		621,777		35		621,812		11,493		54.102374		54.102374
MFS^® Research International Class A Shares		20,711.964		355,142		458,977		7		458,984		14,224		32.267757		32.267757
PIMCO CommodityRealReturn Strategy Class A Shares		17,108.629		293,141		209,067		1		209,068		28,077		7.203918		7.779740
PIMCO Low Duration Class A Shares		98,553.706		909,549		906,694		(445)		906,249		80,387		11.006191		11.771445
PIMCO Real Return Class A Shares		62,769.832		671,636		629,581		(1,106)		628,475		45,795		13.380252		14.449411
PIMCO Total Return Class A Shares		259,659.798		2,433,218		2,246,057		(944)		2,245,113		145,369		14.162458		16.536349
Pioneer Class A Shares		-		-		-		-		-		-		42.347854		45.730285
Pioneer High Yield Class A Shares		705.712		5,938		6,020		(42)		5,978		299		19.212897		20.747816
Pioneer Select Mid Cap Growth Class A Shares		-		-		-		-		-		-		36.434887		38.592445
Putnam International Equity Class A Shares		27,492.552		629,456		690,338		1		690,339		25,638		26.926544		26.926544
Putnam Large Cap Growth Class A Shares		402.082		12,359		21,917		(4)		21,913		765		28.643466		28.643466
Putnam Large Cap Value Class A Shares		2,040.819		49,058		62,980		(1)		62,979		3,401		18.515548		18.515548
TA Aegon Sustainable Equity Income Service Class		10,489.869		217,292		192,070		-		192,070		16,751		11.226296		11.516256
TA Asset Allocation - Conservative Class A Shares		-		-		-		-		-		-		11.464015		11.778626
TA Asset Allocation - Moderate Class A Shares		-		-		-		-		-		-		12.236958		12.572750
TA Asset Allocation - Moderate Growth Class A Shares		-		-		-		-		-		-		13.323132		13.688700
TA BlackRock Government Money Market Initial Class		484,236.860		484,237		484,237		(25)		484,212		47,830		9.981695		10.146359


See accompanying notes.		3

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Assets and Liabilities

December 31, 2023


Subaccount	Number of Shares		Cost		Assets at Market Value		Due (to)/from General Account		Net Assets		Units Outstanding		Range of Unit Values

TA Bond Class A Shares		-	$	-	$	-	$	-	$	-		-	$	1.320972	$	1.397625
TA International Focus Initial Class		399,223.255		3,277,105		3,461,266		7		3,461,273		282,192		12.113438		12.426284
TA JPMorgan Mid Cap Value Service Class		9,065.591		134,773		127,553		-		127,553		8,903		14.011104		14.372914
TA Multi-Managed Balanced Class A Shares		-		-		-		-		-		-		15.245750		15.664073
TA Small/Mid Cap Value Class A Shares		37,417.067		1,009,666		1,011,757		5		1,011,762		34,245		28.807419		30.687420
TA Sustainable Equity Income Class A Shares		292,170.254		2,053,330		2,164,982		3		2,164,985		147,792		14.331855		14.910811
TA T. Rowe Price Small Cap Service Class		6,756.215		72,704		66,211		-		66,211		4,156		15.767976		16.175213
TA TS&W International Equity Service Class		1,844.939		24,167		26,401		-		26,401		2,262		11.589373		11.888711
TA US Growth Class A Shares		47,014.551		956,428		1,212,505		4		1,212,509		31,844		37.437561		39.259638
TA WMC US Growth Service Class		-		-		-		-		-		-		21.974267		22.541608
Virtus AllianzGI Dividend Value Class A Shares		14,888.434		163,661		151,564		-		151,564		7,957		18.767809		20.072944
Virtus AllianzGI Small-Cap Value Class A Shares		18,312.494		258,698		217,003		(1)		217,002		5,302		29.398360		47.515504


See Accompanying Notes.		4

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	AB Discovery Value Class A Shares Subaccount			AB International Value Class A Shares Subaccount			AB Large Cap Growth Class A Shares Subaccount			AB Relative Value Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	121,119		$	63,873		$	306,957		$	282,051


Investment Income:
Reinvested Dividends		844			627			-			2,798
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,603			792			3,090			3,231

Net Investment Income (Loss)		(759	)		(165	)		(3,090	)		(433)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		5,622			-			2,072			14,668
Realized Gain (Loss) on Investments		(1,592	)		(2,377	)		1,622			3,149

Net Realized Capital Gains (Losses) on Investments		4,030			(2,377	)		3,694			17,817
Net Change in Unrealized Appreciation (Depreciation)		(24,138	)		(4,558	)		(92,286	)		(33,186)

Net Gain (Loss) on Investment		(20,108	)		(6,935	)		(88,592	)		(15,369)

Net Increase (Decrease) in Net Assets Resulting from Operations		(20,867	)		(7,100	)		(91,682	)		(15,802)


Increase (Decrease) in Net Assets from Contract Transactions		(8,319	)		(3,381	)		(612	)		(39,959)


Total Increase (Decrease) in Net Assets		(29,186	)		(10,481	)		(92,294	)		(55,761)


Net Assets as of December 31, 2022:	$	91,933		$	53,392		$	214,663		$	226,290


Investment Income:
Reinvested Dividends		391			590			-			3,038
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,419			779			3,225			2,993

Net Investment Income (Loss)		(1,028	)		(189	)		(3,225	)		45

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		4,790			-			4,872			11,610
Realized Gain (Loss) on Investments		(350	)		1,237			2,554			690

Net Realized Capital Gains (Losses) on Investments		4,440			1,237			7,426			12,300
Net Change in Unrealized Appreciation (Depreciation)		8,298			5,463			66,218			9,142

Net Gain (Loss) on Investment		12,738			6,700			73,644			21,442

Net Increase (Decrease) in Net Assets Resulting from Operations		11,710			6,511			70,419			21,487


Increase (Decrease) in Net Assets from Contract Transactions		(15,426	)		(8,416	)		(2,317	)		(7,946)


Total Increase (Decrease) in Net Assets		(3,716	)		(1,905	)		68,102			13,541


Net Assets as of December 31, 2023:	$	88,217		$	51,487		$	282,765		$	239,831

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	AB Value Class A Shares Subaccount		American Funds - EuroPacific Growth Fund^® Class F -1 Shares Subaccount			American Funds - Growth Fund of America^® Class F -1 Shares Subaccount			American Funds - Income Fund of America^® Class F -1 Shares Subaccount

Net Assets as of December 31, 2021:	$	-	$	198,430		$	889,027		$	195,489


Investment Income:
Reinvested Dividends		-		1,650			1,510			5,550
Investment Expense:
Mortality and Expense Risk and Administrative Charges		-		2,356			10,510			2,842

Net Investment Income (Loss)		-		(706	)		(9,000	)		2,708

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-		799			21,087			6,004
Realized Gain (Loss) on Investments		-		9,076			76,384			26,595

Net Realized Capital Gains (Losses) on Investments		-		9,875			97,471			32,599
Net Change in Unrealized Appreciation (Depreciation)		-		(56,690	)		(368,388	)		(50,739)

Net Gain (Loss) on Investment		-		(46,815	)		(270,917	)		(18,140)

Net Increase (Decrease) in Net Assets Resulting from Operations		-		(47,521	)		(279,917	)		(15,432)


Increase (Decrease) in Net Assets from Contract Transactions		-		(7,311	)		(25,254	)		(6,543)


Total Increase (Decrease) in Net Assets		-		(54,832	)		(305,171	)		(21,975)


Net Assets as of December 31, 2022:	$	-	$	143,598		$	583,856		$	173,514


Investment Income:
Reinvested Dividends		-		1,760			3,117			4,103
Investment Expense:
Mortality and Expense Risk and Administrative Charges		-		1,859			9,035			1,889

Net Investment Income (Loss)		-		(99	)		(5,918	)		2,214

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-		2,069			39,460			-
Realized Gain (Loss) on Investments		-		3,382			9,717			(2,061)

Net Realized Capital Gains (Losses) on Investments		-		5,451			49,177			(2,061)
Net Change in Unrealized Appreciation (Depreciation)		-		10,497			129,888			5,585

Net Gain (Loss) on Investment		-		15,948			179,065			3,524

Net Increase (Decrease) in Net Assets Resulting from Operations		-		15,849			173,147			5,738


Increase (Decrease) in Net Assets from Contract Transactions		-		(49,743	)		(140,279	)		(69,901)


Total Increase (Decrease) in Net Assets		-		(33,894	)		32,868			(64,163)


Net Assets as of December 31, 2023:	$	-	$	109,704		$	616,724		$	109,351

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	American Funds - Investment Company of America^® Class F -1 Shares Subaccount			American Funds - The Bond Fund of America^® Class A Shares Subaccount			American Funds - The Bond Fund of America^® Class F -1 Shares Subaccount			American Funds - The Growth Fund of America^® Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	147,674		$	367,594		$	129,828		$	3,554,867


Investment Income:
Reinvested Dividends		1,626			7,234			2,881			6,096
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,859			3,715			1,781			32,397

Net Investment Income (Loss)		(233	)		3,519			1,100			(26,301)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		5,214			374			142			68,020
Realized Gain (Loss) on Investments		14,440			4,190			(6,723	)		155,198

Net Realized Capital Gains (Losses) on Investments		19,654			4,564			(6,581	)		223,218
Net Change in Unrealized Appreciation (Depreciation)		(43,843	)		(54,512	)		(12,440	)		(1,271,836)

Net Gain (Loss) on Investment		(24,189	)		(49,948	)		(19,021	)		(1,048,618)

Net Increase (Decrease) in Net Assets Resulting from Operations		(24,422	)		(46,429	)		(17,921	)		(1,074,919)


Increase (Decrease) in Net Assets from Contract Transactions		(7,033	)		(79,972	)		(5,529	)		(581,940)


Total Increase (Decrease) in Net Assets		(31,455	)		(126,401	)		(23,450	)		(1,656,859)


Net Assets as of December 31, 2022:	$	116,219		$	241,193		$	106,378		$	1,898,008


Investment Income:
Reinvested Dividends		1,401			7,993			2,036			12,372
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,366			2,881			948			27,360

Net Investment Income (Loss)		35			5,112			1,088			(14,988)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		3,197			-			-			143,815
Realized Gain (Loss) on Investments		1,338			(1,320	)		(2,016	)		95,501

Net Realized Capital Gains (Losses) on Investments		4,535			(1,320	)		(2,016	)		239,316
Net Change in Unrealized Appreciation (Depreciation)		16,439			2,648			2,355			418,115

Net Gain (Loss) on Investment		20,974			1,328			339			657,431

Net Increase (Decrease) in Net Assets Resulting from Operations		21,009			6,440			1,427			642,443


Increase (Decrease) in Net Assets from Contract Transactions		(43,154	)		(47,741	)		(63,552	)		(275,231)


Total Increase (Decrease) in Net Assets		(22,145	)		(41,301	)		(62,125	)		367,212


Net Assets as of December 31, 2023:	$	94,074		$	199,892		$	44,253		$	2,265,220

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	American Funds - The Income Fund of America^® Class A Shares Subaccount			American Funds - The Investment Company of America^® Class A Shares Subaccount			AMG Renaissance Large Cap Growth Class N Shares Subaccount			BlackRock Advantage Global Investor A Shares Subaccount

Net Assets as of December 31, 2021:	$	1,258,815		$	1,909,392		$	14,350		$	21,913


Investment Income:
Reinvested Dividends		32,396			20,149			16			304
Investment Expense:
Mortality and Expense Risk and Administrative Charges		13,710			19,158			159			269

Net Investment Income (Loss)		18,686			991			(143	)		35

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		31,352			59,708			651			-
Realized Gain (Loss) on Investments		71,956			49,815			1,427			(1,288)

Net Realized Capital Gains (Losses) on Investments		103,308			109,523			2,078			(1,288)
Net Change in Unrealized Appreciation (Depreciation)		(220,869	)		(420,645	)		(4,417	)		(2,930)

Net Gain (Loss) on Investment		(117,561	)		(311,122	)		(2,339	)		(4,218)

Net Increase (Decrease) in Net Assets Resulting from Operations		(98,875	)		(310,131	)		(2,482	)		(4,183)


Increase (Decrease) in Net Assets from Contract Transactions		(251,090	)		(296,956	)		(1,758	)		(123)


Total Increase (Decrease) in Net Assets		(349,965	)		(607,087	)		(4,240	)		(4,306)


Net Assets as of December 31, 2022:	$	908,850		$	1,302,305		$	10,110		$	17,607


Investment Income:
Reinvested Dividends		31,021			21,649			6			296
Investment Expense:
Mortality and Expense Risk and Administrative Charges		11,058			18,082			145			278

Net Investment Income (Loss)		19,963			3,567			(139	)		18

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			51,166			716			-
Realized Gain (Loss) on Investments		41,644			30,093			169			34

Net Realized Capital Gains (Losses) on Investments		41,644			81,259			885			34
Net Change in Unrealized Appreciation (Depreciation)		(12,660	)		250,536			1,354			3,573

Net Gain (Loss) on Investment		28,984			331,795			2,239			3,607

Net Increase (Decrease) in Net Assets Resulting from Operations		48,947			335,362			2,100			3,625


Increase (Decrease) in Net Assets from Contract Transactions		(156,339	)		(129,568	)		(1,793	)		(130)


Total Increase (Decrease) in Net Assets		(107,392	)		205,794			307			3,495


Net Assets as of December 31, 2023:	$	801,458		$	1,508,099		$	10,417		$	21,102

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	BlackRock Advantage International Investor A Shares Subaccount		BlackRock Advantage Large Cap Core Investor A Shares Subaccount			BlackRock Advantage Large Cap Value Investor A Shares Subaccount			BlackRock Advantage SMID Investor A Shares Subaccount

Net Assets as of December 31, 2021:	$	-	$	167,425		$	209,413		$	561,330


Investment Income:
Reinvested Dividends		-		1,086			2,712			3,448
Investment Expense:
Mortality and Expense Risk and Administrative Charges		-		1,742			3,028			6,105

Net Investment Income (Loss)		-		(656	)		(316	)		(2,657)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-		5,853			7,530			-
Realized Gain (Loss) on Investments		-		4,626			32,529			(16,822)

Net Realized Capital Gains (Losses) on Investments		-		10,479			40,059			(16,822)
Net Change in Unrealized Appreciation (Depreciation)		-		(40,878	)		(61,191	)		(79,474)

Net Gain (Loss) on Investment		-		(30,399	)		(21,132	)		(96,296)

Net Increase (Decrease) in Net Assets Resulting from Operations		-		(31,055	)		(21,448	)		(98,953)


Increase (Decrease) in Net Assets from Contract Transactions		-		(28,240	)		(7,601	)		(75,865)


Total Increase (Decrease) in Net Assets		-		(59,295	)		(29,049	)		(174,818)


Net Assets as of December 31, 2022:	$	-	$	108,130		$	180,364		$	386,512


Investment Income:
Reinvested Dividends		-		596			2,415			3,550
Investment Expense:
Mortality and Expense Risk and Administrative Charges		-		1,098			2,787			5,210

Net Investment Income (Loss)		-		(502	)		(372	)		(1,660)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-		-			1,945			-
Realized Gain (Loss) on Investments		-		666			1,629			(7,497)

Net Realized Capital Gains (Losses) on Investments		-		666			3,574			(7,497)
Net Change in Unrealized Appreciation (Depreciation)		-		16,643			14,895			73,321

Net Gain (Loss) on Investment		-		17,309			18,469			65,824

Net Increase (Decrease) in Net Assets Resulting from Operations		-		16,807			18,097			64,164


Increase (Decrease) in Net Assets from Contract Transactions		-		(51,651	)		(35,986	)		(17,904)


Total Increase (Decrease) in Net Assets		-		(34,844	)		(17,889	)		46,260


Net Assets as of December 31, 2023:	$	-	$	73,286		$	162,475		$	432,772

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	BlackRock Capital Appreciation Investor A Shares Subaccount			BlackRock Global Allocation Investor A Shares Subaccount			BlackRock High Yield Bond Investor A Shares Subaccount			BlackRock Impact Mortgage Investor A Shares Subaccount

Net Assets as of December 31, 2021:	$	2,068,465		$	3,338,422		$	526,061		$	1,051,724


Investment Income:
Reinvested Dividends		-			-			22,849			17,531
Investment Expense:
Mortality and Expense Risk and Administrative Charges		22,839			38,331			6,672			10,850

Net Investment Income (Loss)		(22,839	)		(38,331	)		16,177			6,681

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		129,844			145,909			-			-
Realized Gain (Loss) on Investments		(90,600	)		(167,288	)		(58,758	)		(40,296)

Net Realized Capital Gains (Losses) on Investments		39,244			(21,379	)		(58,758	)		(40,296)
Net Change in Unrealized Appreciation (Depreciation)		(847,800	)		(504,411	)		(20,071	)		(113,913)

Net Gain (Loss) on Investment		(808,556	)		(525,790	)		(78,829	)		(154,209)

Net Increase (Decrease) in Net Assets Resulting from Operations		(831,395	)		(564,121	)		(62,652	)		(147,528)


Increase (Decrease) in Net Assets from Contract Transactions		269,572			(221,275	)		(67,525	)		(259,949)


Total Increase (Decrease) in Net Assets		(561,823	)		(785,396	)		(130,177	)		(407,477)


Net Assets as of December 31, 2022:	$	1,506,642		$	2,553,026		$	395,884		$	644,247


Investment Income:
Reinvested Dividends		-			29,917			26,142			20,982
Investment Expense:
Mortality and Expense Risk and Administrative Charges		22,939			35,331			6,021			8,323

Net Investment Income (Loss)		(22,939	)		(5,414	)		20,121			12,659

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		61,741			-			-			-
Realized Gain (Loss) on Investments		44,554			(25,187	)		369			(17,630)

Net Realized Capital Gains (Losses) on Investments		106,295			(25,187	)		369			(17,630)
Net Change in Unrealized Appreciation (Depreciation)		551,599			292,259			23,283			21,586

Net Gain (Loss) on Investment		657,894			267,072			23,652			3,956

Net Increase (Decrease) in Net Assets Resulting from Operations		634,955			261,658			43,773			16,615


Increase (Decrease) in Net Assets from Contract Transactions		(445,981	)		(200,191	)		(29,240	)		(46,400)


Total Increase (Decrease) in Net Assets		188,974			61,467			14,533			(29,785)


Net Assets as of December 31, 2023:	$	1,695,616		$	2,614,493		$	410,417		$	614,462

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	BlackRock International Investor A Shares Subaccount			BlackRock iShares MSCI EAFE International Index Investor A Shares Subaccount			BlackRock iShares Russell 2000 Small-Cap Index Investor A Shares Subaccount		BlackRock iShares S&P 500 Index Investor A Shares Subaccount

Net Assets as of December 31, 2021:	$	44,642		$	5,285		$	-	$	1,255,613


Investment Income:
Reinvested Dividends		331			104			-		13,239
Investment Expense:
Mortality and Expense Risk and Administrative Charges		586			63			-		14,297

Net Investment Income (Loss)		(255	)		41			-		(1,058)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			-			-		3,259
Realized Gain (Loss) on Investments		117			(81	)		-		156,226

Net Realized Capital Gains (Losses) on Investments		117			(81	)		-		159,485
Net Change in Unrealized Appreciation (Depreciation)		(11,495	)		(779	)		-		(400,521)

Net Gain (Loss) on Investment		(11,378	)		(860	)		-		(241,036)

Net Increase (Decrease) in Net Assets Resulting from Operations		(11,633	)		(819	)		-		(242,094)


Increase (Decrease) in Net Assets from Contract Transactions		3,282			(275	)		-		(61,575)


Total Increase (Decrease) in Net Assets		(8,351	)		(1,094	)		-		(303,669)


Net Assets as of December 31, 2022:	$	36,291		$	4,191		$	-	$	951,944


Investment Income:
Reinvested Dividends		164			8			-		13,697
Investment Expense:
Mortality and Expense Risk and Administrative Charges		419			50			-		14,050

Net Investment Income (Loss)		(255	)		(42	)		-		(353)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			-			-		819
Realized Gain (Loss) on Investments		2,880			477			-		18,740

Net Realized Capital Gains (Losses) on Investments		2,880			477			-		19,559
Net Change in Unrealized Appreciation (Depreciation)		2,555			(168	)		-		207,730

Net Gain (Loss) on Investment		5,435			309			-		227,289

Net Increase (Decrease) in Net Assets Resulting from Operations		5,180			267			-		226,936


Increase (Decrease) in Net Assets from Contract Transactions		(23,191	)		(4,458	)		-		101,100


Total Increase (Decrease) in Net Assets		(18,011	)		(4,191	)		-		328,036


Net Assets as of December 31, 2023:	$	18,280		$	-		$	-	$	1,279,980

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	BlackRock Large Cap Focus Growth Investor A Shares Subaccount			BlackRock Large Cap Focus Value Investor A Shares Subaccount			BlackRock Low Duration Bond Investor A Shares Subaccount		BlackRock Total Return Investor A Shares Subaccount

Net Assets as of December 31, 2021:	$	80,362		$	1,633,586		$	-	$	2,857,122


Investment Income:
Reinvested Dividends		-			18,733			-		56,768
Investment Expense:
Mortality and Expense Risk and Administrative Charges		935			20,214			-		31,961

Net Investment Income (Loss)		(935	)		(1,481	)		-		24,807

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		1,256			126,134			-		-
Realized Gain (Loss) on Investments		(5,257	)		(119,348	)		-		(246,885)

Net Realized Capital Gains (Losses) on Investments		(4,001	)		6,786			-		(246,885)
Net Change in Unrealized Appreciation (Depreciation)		(27,896	)		(101,597	)		-		(210,669)

Net Gain (Loss) on Investment		(31,897	)		(94,811	)		-		(457,554)

Net Increase (Decrease) in Net Assets Resulting from Operations		(32,832	)		(96,292	)		-		(432,747)


Increase (Decrease) in Net Assets from Contract Transactions		8,796			(212,916	)		-		(470,270)


Total Increase (Decrease) in Net Assets		(24,036	)		(309,208	)		-		(903,017)


Net Assets as of December 31, 2022:	$	56,326		$	1,324,378		$	-	$	1,954,105


Investment Income:
Reinvested Dividends		-			30,133			-		75,780
Investment Expense:
Mortality and Expense Risk and Administrative Charges		954			19,014			-		27,154

Net Investment Income (Loss)		(954	)		11,119			-		48,626

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		2,407			38,090			-		-
Realized Gain (Loss) on Investments		2,210			(22,260	)		-		(36,027)

Net Realized Capital Gains (Losses) on Investments		4,617			15,830			-		(36,027)
Net Change in Unrealized Appreciation (Depreciation)		22,914			160,077			-		62,564

Net Gain (Loss) on Investment		27,531			175,907			-		26,537

Net Increase (Decrease) in Net Assets Resulting from Operations		26,577			187,026			-		75,163


Increase (Decrease) in Net Assets from Contract Transactions		(12,189	)		(42,732	)		-		(107,147)


Total Increase (Decrease) in Net Assets		14,388			144,294			-		(31,984)


Net Assets as of December 31, 2023:	$	70,714		$	1,468,672		$	-	$	1,922,121

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	BNY Mellon Appreciation Investor Shares Subaccount			Cohen & Steers Real Estate Securities Class A Shares Subaccount			Columbia Large Cap Growth Opportunity Class A Shares Subaccount			Columbia Select Mid Cap Growth Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	371,638		$	11,289		$	7,318		$	-


Investment Income:
Reinvested Dividends		1,706			236			-			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		4,652			131			88			-

Net Investment Income (Loss)		(2,946	)		105			(88	)		-

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		23,064			357			1,053			-
Realized Gain (Loss) on Investments		29,861			1,576			(1,902	)		-

Net Realized Capital Gains (Losses) on Investments		52,925			1,933			(849	)		-
Net Change in Unrealized Appreciation (Depreciation)		(120,986	)		(5,084	)		(1,400	)		-

Net Gain (Loss) on Investment		(68,061	)		(3,151	)		(2,249	)		-

Net Increase (Decrease) in Net Assets Resulting from Operations		(71,007	)		(3,046	)		(2,337	)		-


Increase (Decrease) in Net Assets from Contract Transactions		(16,019	)		(558	)		628			-


Total Increase (Decrease) in Net Assets		(87,026	)		(3,604	)		(1,709	)		-


Net Assets as of December 31, 2022:	$	284,612		$	7,685		$	5,609		$	-


Investment Income:
Reinvested Dividends		1,938			167			-			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		4,434			88			81			-

Net Investment Income (Loss)		(2,496	)		79			(81	)		-

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		20,096			-			-			-
Realized Gain (Loss) on Investments		2,893			(1,288	)		(127	)		-

Net Realized Capital Gains (Losses) on Investments		22,989			(1,288	)		(127	)		-
Net Change in Unrealized Appreciation (Depreciation)		32,513			779			1,684			-

Net Gain (Loss) on Investment		55,502			(509	)		1,557			-

Net Increase (Decrease) in Net Assets Resulting from Operations		53,006			(430	)		1,476			-


Increase (Decrease) in Net Assets from Contract Transactions		(36,554	)		(7,255	)		(1,635	)		-


Total Increase (Decrease) in Net Assets		16,452			(7,685	)		(159	)		-


Net Assets as of December 31, 2023:	$	301,064		$	-		$	5,450		$	-

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	Columbia Select Small Cap Value Class A Shares Subaccount			Davis New York Venture Class A Shares Subaccount			Delaware Mid Cap Growth Equity Class A Shares Subaccount			Eaton Vance Floating-Rate Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	844,214		$	1,157,546		$	146,135		$	3,058


Investment Income:
Reinvested Dividends		4,318			12,186			-			121
Investment Expense:
Mortality and Expense Risk and Administrative Charges		9,066			11,909			1,342			33

Net Investment Income (Loss)		(4,748	)		277			(1,342	)		88

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		19,501			44,394			16,290			-
Realized Gain (Loss) on Investments		(1,710	)		(136,956	)		(31,073	)		(186)

Net Realized Capital Gains (Losses) on Investments		17,791			(92,562	)		(14,783	)		(186)
Net Change in Unrealized Appreciation (Depreciation)		(156,201	)		(125,772	)		(50,712	)		(5)

Net Gain (Loss) on Investment		(138,410	)		(218,334	)		(65,495	)		(191)

Net Increase (Decrease) in Net Assets Resulting from Operations		(143,158	)		(218,057	)		(66,837	)		(103)


Increase (Decrease) in Net Assets from Contract Transactions		(171,807	)		(261,504	)		(3,700	)		(559)


Total Increase (Decrease) in Net Assets		(314,965	)		(479,561	)		(70,537	)		(662)


Net Assets as of December 31, 2022:	$	529,249		$	677,985		$	75,598		$	2,396


Investment Income:
Reinvested Dividends		4,864			6,842			-			228
Investment Expense:
Mortality and Expense Risk and Administrative Charges		7,210			9,969			1,140			34

Net Investment Income (Loss)		(2,346	)		(3,127	)		(1,140	)		194

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		37,272			54,221			-			-
Realized Gain (Loss) on Investments		5,954			(26,961	)		(581	)		(8)

Net Realized Capital Gains (Losses) on Investments		43,226			27,260			(581	)		(8)
Net Change in Unrealized Appreciation (Depreciation)		25,936			160,065			15,395			72

Net Gain (Loss) on Investment		69,162			187,325			14,814			64

Net Increase (Decrease) in Net Assets Resulting from Operations		66,816			184,198			13,674			258


Increase (Decrease) in Net Assets from Contract Transactions		83,001			(83,719	)		(4,583	)		(93)


Total Increase (Decrease) in Net Assets		149,817			100,479			9,091			165


Net Assets as of December 31, 2023:	$	679,066		$	778,464		$	84,689		$	2,561

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	Eaton Vance Large-Cap Value Class A Shares Subaccount			Federated Hermes Equity Income Class A Shares Subaccount			Federated Hermes Kaufmann Class A Shares Subaccount			Fidelity Advisor^® Equity Growth Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	83,642		$	51,985		$	210,813		$	250,004


Investment Income:
Reinvested Dividends		744			582			-			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,034			785			2,475			2,315

Net Investment Income (Loss)		(290	)		(203	)		(2,475	)		(2,315)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		1,927			2,698			-			3,222
Realized Gain (Loss) on Investments		14,007			(2,012	)		(39,502	)		23,181

Net Realized Capital Gains (Losses) on Investments		15,934			686			(39,502	)		26,403
Net Change in Unrealized Appreciation (Depreciation)		(18,767	)		(5,399	)		(24,149	)		(88,882)

Net Gain (Loss) on Investment		(2,833	)		(4,713	)		(63,651	)		(62,479)

Net Increase (Decrease) in Net Assets Resulting from Operations		(3,123	)		(4,916	)		(66,126	)		(64,794)


Increase (Decrease) in Net Assets from Contract Transactions		(19,538	)		(978	)		(3,967	)		(34,996)


Total Increase (Decrease) in Net Assets		(22,661	)		(5,894	)		(70,093	)		(99,790)


Net Assets as of December 31, 2022:	$	60,981		$	46,091		$	140,720		$	150,214


Investment Income:
Reinvested Dividends		634			529			-			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		911			753			2,184			2,001

Net Investment Income (Loss)		(277	)		(224	)		(2,184	)		(2,001)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		1,206			101			2,603			808
Realized Gain (Loss) on Investments		(22	)		(29	)		2,277			5,617

Net Realized Capital Gains (Losses) on Investments		1,184			72			4,880			6,425
Net Change in Unrealized Appreciation (Depreciation)		2,630			3,484			14,030			40,647

Net Gain (Loss) on Investment		3,814			3,556			18,910			47,072

Net Increase (Decrease) in Net Assets Resulting from Operations		3,537			3,332			16,726			45,071


Increase (Decrease) in Net Assets from Contract Transactions		(1,273	)		(690	)		(18,006	)		(52,965)


Total Increase (Decrease) in Net Assets		2,264			2,642			(1,280	)		(7,894)


Net Assets as of December 31, 2023:	$	63,245		$	48,733		$	139,440		$	142,320

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	Fidelity Advisor^® Overseas Class A Shares Subaccount			Fidelity Advisor^® Stock Selector Mid Cap Class A Shares Subaccount			Franklin Templeton Growth Class A Shares Subaccount			Invesco American Franchise Fund Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	1,007		$	2,303		$	22,682		$	22,583


Investment Income:
Reinvested Dividends		-			-			154			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		5			12			263			221

Net Investment Income (Loss)		(5	)		(12	)		(109	)		(221)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			-			-			1,064
Realized Gain (Loss) on Investments		91			293			192			268

Net Realized Capital Gains (Losses) on Investments		91			293			192			1,332
Net Change in Unrealized Appreciation (Depreciation)		(348	)		(591	)		(2,994	)		(8,278)

Net Gain (Loss) on Investment		(257	)		(298	)		(2,802	)		(6,946)

Net Increase (Decrease) in Net Assets Resulting from Operations		(262	)		(310	)		(2,911	)		(7,167)


Increase (Decrease) in Net Assets from Contract Transactions		(745	)		(1,993	)		(3,133	)		(1,592)


Total Increase (Decrease) in Net Assets		(1,007	)		(2,303	)		(6,044	)		(8,759)


Net Assets as of December 31, 2022:	$	-		$	-		$	16,638		$	13,824


Investment Income:
Reinvested Dividends		-			-			208			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		-			-			241			215

Net Investment Income (Loss)		-			-			(33	)		(215)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			-			-			-
Realized Gain (Loss) on Investments		-			-			137			62

Net Realized Capital Gains (Losses) on Investments		-			-			137			62
Net Change in Unrealized Appreciation (Depreciation)		-			-			3,006			5,547

Net Gain (Loss) on Investment		-			-			3,143			5,609

Net Increase (Decrease) in Net Assets Resulting from Operations		-			-			3,110			5,394


Increase (Decrease) in Net Assets from Contract Transactions		-			-			(1,230	)		(75)


Total Increase (Decrease) in Net Assets		-			-			1,880			5,319


Net Assets as of December 31, 2023:	$	-		$	-		$	18,518		$	19,143

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	Invesco Capital Appreciation Class A Shares Subaccount			Invesco Charter Class A Shares Subaccount			Invesco Comstock Class A Shares Subaccount			Invesco Discovery Mid Cap Growth Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	244,043		$	17,069		$	1,780,838		$	214,079


Investment Income:
Reinvested Dividends		-			98			25,657			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		2,450			185			21,663			2,093

Net Investment Income (Loss)		(2,450	)		(87	)		3,994			(2,093)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		1,418			414			132,557			-
Realized Gain (Loss) on Investments		(78,098	)		(166	)		255,461			611

Net Realized Capital Gains (Losses) on Investments		(76,680	)		248			388,018			611
Net Change in Unrealized Appreciation (Depreciation)		1,969			(3,853	)		(402,151	)		(66,903)

Net Gain (Loss) on Investment		(74,711	)		(3,605	)		(14,133	)		(66,292)

Net Increase (Decrease) in Net Assets Resulting from Operations		(77,161	)		(3,692	)		(10,139	)		(68,385)


Increase (Decrease) in Net Assets from Contract Transactions		(3,845	)		(847	)		(497,561	)		(25,292)


Total Increase (Decrease) in Net Assets		(81,006	)		(4,539	)		(507,700	)		(93,677)


Net Assets as of December 31, 2022:	$	163,037		$	12,530		$	1,273,138		$	120,402


Investment Income:
Reinvested Dividends		-			50			22,319			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,618			179			18,219			1,634

Net Investment Income (Loss)		(1,618	)		(129	)		4,100			(1,634)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			801			82,323			-
Realized Gain (Loss) on Investments		31,704			(66	)		386			104

Net Realized Capital Gains (Losses) on Investments		31,704			735			82,709			104
Net Change in Unrealized Appreciation (Depreciation)		16,745			2,040			43,395			15,439

Net Gain (Loss) on Investment		48,449			2,775			126,104			15,543

Net Increase (Decrease) in Net Assets Resulting from Operations		46,831			2,646			130,204			13,909


Increase (Decrease) in Net Assets from Contract Transactions		(160,428	)		(685	)		(86,213	)		1,473


Total Increase (Decrease) in Net Assets		(113,597	)		1,961			43,991			15,382


Net Assets as of December 31, 2023:	$	49,440		$	14,491		$	1,317,129		$	135,784

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	Invesco Equity and Income Class A Shares Subaccount			Invesco Fundamental Alternatives Class A Shares Subaccount			Invesco Global Class A Shares Subaccount			Invesco Main Street Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	119,252		$	29,208		$	44,962		$	217,163


Investment Income:
Reinvested Dividends		1,848			-			-			1,729
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,373			356			371			2,412

Net Investment Income (Loss)		475			(356	)		(371	)		(683)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		4,474			663			2,037			5,785
Realized Gain (Loss) on Investments		(444	)		27			2,115			(5,978)

Net Realized Capital Gains (Losses) on Investments		4,030			690			4,152			(193)
Net Change in Unrealized Appreciation (Depreciation)		(15,085	)		(2,808	)		(17,585	)		(44,566)

Net Gain (Loss) on Investment		(11,055	)		(2,118	)		(13,433	)		(44,759)

Net Increase (Decrease) in Net Assets Resulting from Operations		(10,580	)		(2,474	)		(13,804	)		(45,442)


Increase (Decrease) in Net Assets from Contract Transactions		(10,078	)		(139	)		(14,894	)		(4,232)


Total Increase (Decrease) in Net Assets		(20,658	)		(2,613	)		(28,698	)		(49,674)


Net Assets as of December 31, 2022:	$	98,594		$	26,595		$	16,264		$	167,489


Investment Income:
Reinvested Dividends		1,668			226			-			304
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,171			346			241			2,427

Net Investment Income (Loss)		497			(120	)		(241	)		(2,123)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		3,332			970			1,978			13,296
Realized Gain (Loss) on Investments		(1,150	)		12			185			(70)

Net Realized Capital Gains (Losses) on Investments		2,182			982			2,163			13,226
Net Change in Unrealized Appreciation (Depreciation)		3,881			(274	)		3,211			24,223

Net Gain (Loss) on Investment		6,063			708			5,374			37,449

Net Increase (Decrease) in Net Assets Resulting from Operations		6,560			588			5,133			35,326


Increase (Decrease) in Net Assets from Contract Transactions		(33,769	)		(129	)		(940	)		(5,526)


Total Increase (Decrease) in Net Assets		(27,209	)		459			4,193			29,800


Net Assets as of December 31, 2023:	$	71,385		$	27,054		$	20,457		$	197,289

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	Invesco Main Street Mid Cap Class A Shares Subaccount			Invesco Value Opportunities Class A Shares Subaccount			Janus Henderson Enterprise Class A Shares Subaccount			Janus Henderson Forty Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	102,054		$	7,241		$	1,229,081		$	53,723


Investment Income:
Reinvested Dividends		91			49			-			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,098			101			15,222			618

Net Investment Income (Loss)		(1,007	)		(52	)		(15,222	)		(618)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		2,484			592			92,511			23
Realized Gain (Loss) on Investments		6,582			1,189			68,918			(187)

Net Realized Capital Gains (Losses) on Investments		9,066			1,781			161,429			(164)
Net Change in Unrealized Appreciation (Depreciation)		(22,140	)		(1,735	)		(360,521	)		(18,421)

Net Gain (Loss) on Investment		(13,074	)		46			(199,092	)		(18,585)

Net Increase (Decrease) in Net Assets Resulting from Operations		(14,081	)		(6	)		(214,314	)		(19,203)


Increase (Decrease) in Net Assets from Contract Transactions		(18,348	)		(65	)		(84,871	)		4,865


Total Increase (Decrease) in Net Assets		(32,429	)		(71	)		(299,185	)		(14,338)


Net Assets as of December 31, 2022:	$	69,625		$	7,170		$	929,896		$	39,385


Investment Income:
Reinvested Dividends		-			16			-			7
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,020			104			14,094			649

Net Investment Income (Loss)		(1,020	)		(88	)		(14,094	)		(642)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			162			71,754			3,864
Realized Gain (Loss) on Investments		541			1			3,670			205

Net Realized Capital Gains (Losses) on Investments		541			163			75,424			4,069
Net Change in Unrealized Appreciation (Depreciation)		9,064			884			79,499			9,984

Net Gain (Loss) on Investment		9,605			1,047			154,923			14,053

Net Increase (Decrease) in Net Assets Resulting from Operations		8,585			959			140,829			13,411


Increase (Decrease) in Net Assets from Contract Transactions		(4,943	)		(66	)		(99,846	)		(3,631)


Total Increase (Decrease) in Net Assets		3,642			893			40,983			9,780


Net Assets as of December 31, 2023:	$	73,267		$	8,063		$	970,879		$	49,165

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	JPMorgan Small Cap Growth Class A Shares Subaccount			Lord Abbett Affiliated Class A Shares Subaccount			Lord Abbett Bond-Debenture Class A Shares Subaccount			Lord Abbett Mid Cap Stock Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	11,179		$	33,048		$	661,694		$	682,108


Investment Income:
Reinvested Dividends		-			527			21,424			5,409
Investment Expense:
Mortality and Expense Risk and Administrative Charges		133			435			6,838			7,996

Net Investment Income (Loss)		(133	)		92			14,586			(2,587)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		37			1,611			882			37,353
Realized Gain (Loss) on Investments		(2,255	)		2,792			(48,411	)		60,102

Net Realized Capital Gains (Losses) on Investments		(2,218	)		4,403			(47,529	)		97,455
Net Change in Unrealized Appreciation (Depreciation)		(1,503	)		(8,158	)		(57,746	)		(178,195)

Net Gain (Loss) on Investment		(3,721	)		(3,755	)		(105,275	)		(80,740)

Net Increase (Decrease) in Net Assets Resulting from Operations		(3,854	)		(3,663	)		(90,689	)		(83,327)


Increase (Decrease) in Net Assets from Contract Transactions		1,236			(620	)		(261,387	)		(64,279)


Total Increase (Decrease) in Net Assets		(2,618	)		(4,283	)		(352,076	)		(147,606)


Net Assets as of December 31, 2022:	$	8,561		$	28,765		$	309,618		$	534,502


Investment Income:
Reinvested Dividends		-			526			15,366			2,505
Investment Expense:
Mortality and Expense Risk and Administrative Charges		126			424			4,209			6,882

Net Investment Income (Loss)		(126	)		102			11,157			(4,377)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			-			-			3,632
Realized Gain (Loss) on Investments		91			(84	)		(5,327	)		38,167

Net Realized Capital Gains (Losses) on Investments		91			(84	)		(5,327	)		41,799
Net Change in Unrealized Appreciation (Depreciation)		977			2,400			8,479			27,642

Net Gain (Loss) on Investment		1,068			2,316			3,152			69,441

Net Increase (Decrease) in Net Assets Resulting from Operations		942			2,418			14,309			65,064


Increase (Decrease) in Net Assets from Contract Transactions		(980	)		(488	)		(46,363	)		(127,767)


Total Increase (Decrease) in Net Assets		(38	)		1,930			(32,054	)		(62,703)


Net Assets as of December 31, 2023:	$	8,523		$	30,695		$	277,564		$	471,799

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	MFS^® Growth Class A Shares Subaccount			MFS^® Mid Cap Growth Class A Shares Subaccount			MFS^® Research International Class A Shares Subaccount			PIMCO CommodityRealReturn Strategy Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	850,383		$	1,023,998		$	556,368		$	289,935


Investment Income:
Reinvested Dividends		-			-			6,047			90,264
Investment Expense:
Mortality and Expense Risk and Administrative Charges		8,884			10,015			5,960			3,864

Net Investment Income (Loss)		(8,884	)		(10,015	)		87			86,400

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		6,944			-			-			-
Realized Gain (Loss) on Investments		21,416			67,669			6,178			42,596

Net Realized Capital Gains (Losses) on Investments		28,360			67,669			6,178			42,596
Net Change in Unrealized Appreciation (Depreciation)		(300,957	)		(381,745	)		(108,544	)		(96,128)

Net Gain (Loss) on Investment		(272,597	)		(314,076	)		(102,366	)		(53,532)

Net Increase (Decrease) in Net Assets Resulting from Operations		(281,481	)		(324,091	)		(102,279	)		32,868


Increase (Decrease) in Net Assets from Contract Transactions		62,478			(121,171	)		(23,821	)		(98,190)


Total Increase (Decrease) in Net Assets		(219,003	)		(445,262	)		(126,100	)		(65,322)


Net Assets as of December 31, 2022:	$	631,380		$	578,736		$	430,268		$	224,613


Investment Income:
Reinvested Dividends		-			-			6,759			9,784
Investment Expense:
Mortality and Expense Risk and Administrative Charges		8,710			7,802			5,833			3,301

Net Investment Income (Loss)		(8,710	)		(7,802	)		926			6,483

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		35,452			-			-			-
Realized Gain (Loss) on Investments		73,229			33,440			5,726			(20,534)

Net Realized Capital Gains (Losses) on Investments		108,681			33,440			5,726			(20,534)
Net Change in Unrealized Appreciation (Depreciation)		97,948			81,946			42,552			(6,727)

Net Gain (Loss) on Investment		206,629			115,386			48,278			(27,261)

Net Increase (Decrease) in Net Assets Resulting from Operations		197,919			107,584			49,204			(20,778)


Increase (Decrease) in Net Assets from Contract Transactions		(145,724	)		(64,508	)		(20,488	)		5,233


Total Increase (Decrease) in Net Assets		52,195			43,076			28,716			(15,545)


Net Assets as of December 31, 2023:	$	683,575		$	621,812		$	458,984		$	209,068

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	PIMCO Low Duration Class A Shares Subaccount			PIMCO Real Return Class A Shares Subaccount			PIMCO Total Return Class A Shares Subaccount			Pioneer Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	1,252,730		$	849,557		$	3,284,682		$	23,773


Investment Income:
Reinvested Dividends		17,704			53,438			96,641			95
Investment Expense:
Mortality and Expense Risk and Administrative Charges		15,737			10,706			38,357			272

Net Investment Income (Loss)		1,967			42,732			58,284			(177)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			2,526			-			570
Realized Gain (Loss) on Investments		(73,999	)		(37,224	)		(329,958	)		149

Net Realized Capital Gains (Losses) on Investments		(73,999	)		(34,698	)		(329,958	)		719
Net Change in Unrealized Appreciation (Depreciation)		(8,003	)		(115,144	)		(231,296	)		(5,125)

Net Gain (Loss) on Investment		(82,002	)		(149,842	)		(561,254	)		(4,406)

Net Increase (Decrease) in Net Assets Resulting from Operations		(80,035	)		(107,110	)		(502,970	)		(4,583)


Increase (Decrease) in Net Assets from Contract Transactions		(235,916	)		(108,383	)		(439,731	)		(2,673)


Total Increase (Decrease) in Net Assets		(315,951	)		(215,493	)		(942,701	)		(7,256)


Net Assets as of December 31, 2022:	$	936,779		$	634,064		$	2,341,981		$	16,517


Investment Income:
Reinvested Dividends		35,346			18,054			79,144			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		13,972			9,507			31,392			53

Net Investment Income (Loss)		21,374			8,547			47,752			(53)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			-			-			-
Realized Gain (Loss) on Investments		(2,514	)		(5,613	)		(31,483	)		(968)

Net Realized Capital Gains (Losses) on Investments		(2,514	)		(5,613	)		(31,483	)		(968)
Net Change in Unrealized Appreciation (Depreciation)		11,958			7,797			78,937			681

Net Gain (Loss) on Investment		9,444			2,184			47,454			(287)

Net Increase (Decrease) in Net Assets Resulting from Operations		30,818			10,731			95,206			(340)


Increase (Decrease) in Net Assets from Contract Transactions		(61,348	)		(16,320	)		(192,074	)		(16,177)


Total Increase (Decrease) in Net Assets		(30,530	)		(5,589	)		(96,868	)		(16,517)


Net Assets as of December 31, 2023:	$	906,249		$	628,475		$	2,245,113		$	-

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	Pioneer High Yield Class A Shares Subaccount			Pioneer Select Mid Cap Growth Class A Shares Subaccount		Putnam International Equity Class A Shares Subaccount			Putnam Large Cap Growth Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	8,002		$	-	$	836,095		$	25,062


Investment Income:
Reinvested Dividends		347			-		-			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		96			-		9,083			253

Net Investment Income (Loss)		251			-		(9,083	)		(253)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			-		-			1,177
Realized Gain (Loss) on Investments		(986	)		-		2,161			603

Net Realized Capital Gains (Losses) on Investments		(986	)		-		2,161			1,780
Net Change in Unrealized Appreciation (Depreciation)		(220	)		-		(126,851	)		(9,310)

Net Gain (Loss) on Investment		(1,206	)		-		(124,690	)		(7,530)

Net Increase (Decrease) in Net Assets Resulting from Operations		(955	)		-		(133,773	)		(7,783)


Increase (Decrease) in Net Assets from Contract Transactions		(1,277	)		-		(60,456	)		(1,114)


Total Increase (Decrease) in Net Assets		(2,232	)		-		(194,229	)		(8,897)


Net Assets as of December 31, 2022:	$	5,770		$	-	$	641,866		$	16,165


Investment Income:
Reinvested Dividends		319			-		12,720			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		85			-		8,686			254

Net Investment Income (Loss)		234			-		4,034			(254)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			-		-			108
Realized Gain (Loss) on Investments		(28	)		-		7,424			677

Net Realized Capital Gains (Losses) on Investments		(28	)		-		7,424			785
Net Change in Unrealized Appreciation (Depreciation)		277			-		93,803			6,259

Net Gain (Loss) on Investment		249			-		101,227			7,044

Net Increase (Decrease) in Net Assets Resulting from Operations		483			-		105,261			6,790


Increase (Decrease) in Net Assets from Contract Transactions		(275	)		-		(56,788	)		(1,042)


Total Increase (Decrease) in Net Assets		208			-		48,473			5,748


Net Assets as of December 31, 2023:	$	5,978		$	-	$	690,339		$	21,913

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	Putnam Large Cap Value Class A Shares Subaccount			TA Aegon Sustainable Equity Income Service Class Subaccount			TA Asset Allocation - Conservative Class A Shares Subaccount		TA Asset Allocation - Moderate Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	59,605		$	217,686		$	-	$	-


Investment Income:
Reinvested Dividends		999			3,575			-		-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		731			2,504			-		-

Net Investment Income (Loss)		268			1,071			-		-

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		2,743			6,752			-		-
Realized Gain (Loss) on Investments		439			(6,620	)		-		-

Net Realized Capital Gains (Losses) on Investments		3,182			132			-		-
Net Change in Unrealized Appreciation (Depreciation)		(6,039	)		(29,508	)		-		-

Net Gain (Loss) on Investment		(2,857	)		(29,376	)		-		-

Net Increase (Decrease) in Net Assets Resulting from Operations		(2,589	)		(28,305	)		-		-


Increase (Decrease) in Net Assets from Contract Transactions		(1,093	)		(2,923	)		-		-


Total Increase (Decrease) in Net Assets		(3,682	)		(31,228	)		-		-


Net Assets as of December 31, 2022:	$	55,923		$	186,458		$	-	$	-


Investment Income:
Reinvested Dividends		865			3,521			-		-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		754			2,409			-		-

Net Investment Income (Loss)		111			1,112			-		-

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		2,281			-			-		-
Realized Gain (Loss) on Investments		351			(1,594	)		-		-

Net Realized Capital Gains (Losses) on Investments		2,632			(1,594	)		-		-
Net Change in Unrealized Appreciation (Depreciation)		4,988			8,934			-		-

Net Gain (Loss) on Investment		7,620			7,340			-		-

Net Increase (Decrease) in Net Assets Resulting from Operations		7,731			8,452			-		-


Increase (Decrease) in Net Assets from Contract Transactions		(675	)		(2,840	)		-		-


Total Increase (Decrease) in Net Assets		7,056			5,612			-		-


Net Assets as of December 31, 2023:	$	62,979		$	192,070		$	-	$	-

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	TA Asset Allocation - Moderate Growth Class A Shares Subaccount		TA BlackRock Government Money Market Initial Class Subaccount			TA Bond Class A Shares Subaccount		TA International Focus Initial Class Subaccount

Net Assets as of December 31, 2021:	$	-	$	299,580		$	-	$	4,556,140


Investment Income:
Reinvested Dividends		-		7,360			-		113,528
Investment Expense:
Mortality and Expense Risk and Administrative Charges		-		6,023			-		54,022

Net Investment Income (Loss)		-		1,337			-		59,506

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-		-			-		198,802
Realized Gain (Loss) on Investments		-		-			-		(119,326)

Net Realized Capital Gains (Losses) on Investments		-		-			-		79,476
Net Change in Unrealized Appreciation (Depreciation)		-		-			-		(1,093,036)

Net Gain (Loss) on Investment		-		-			-		(1,013,560)

Net Increase (Decrease) in Net Assets Resulting from Operations		-		1,337			-		(954,054)


Increase (Decrease) in Net Assets from Contract Transactions		-		186,001			-		(255,866)


Total Increase (Decrease) in Net Assets		-		187,338			-		(1,209,920)


Net Assets as of December 31, 2022:	$	-	$	486,918		$	-	$	3,346,220


Investment Income:
Reinvested Dividends		-		23,141			-		67,800
Investment Expense:
Mortality and Expense Risk and Administrative Charges		-		6,341			-		49,528

Net Investment Income (Loss)		-		16,800			-		18,272

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-		-			-		-
Realized Gain (Loss) on Investments		-		-			-		(8,951)

Net Realized Capital Gains (Losses) on Investments		-		-			-		(8,951)
Net Change in Unrealized Appreciation (Depreciation)		-		-			-		344,554

Net Gain (Loss) on Investment		-		-			-		335,603

Net Increase (Decrease) in Net Assets Resulting from Operations		-		16,800			-		353,875


Increase (Decrease) in Net Assets from Contract Transactions		-		(19,506	)		-		(238,822)


Total Increase (Decrease) in Net Assets		-		(2,706	)		-		115,053


Net Assets as of December 31, 2023:	$	-	$	484,212		$	-	$	3,461,273

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	TA JPMorgan Mid Cap Value Service Class Subaccount			TA Multi-Managed Balanced Class A Shares Subaccount		TA Small/Mid Cap Value Class A Shares Subaccount			TA Sustainable Equity Income Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	133,025		$	-	$	1,275,358		$	2,664,298


Investment Income:
Reinvested Dividends		694			-		5,676			40,249
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,600			-		16,202			32,080

Net Investment Income (Loss)		(906	)		-		(10,526	)		8,169

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		23,398			-		81,416			-
Realized Gain (Loss) on Investments		54			-		172,986			(424,415)

Net Realized Capital Gains (Losses) on Investments		23,452			-		254,402			(424,415)
Net Change in Unrealized Appreciation (Depreciation)		(35,326	)		-		(361,389	)		80,211

Net Gain (Loss) on Investment		(11,874	)		-		(106,987	)		(344,204)

Net Increase (Decrease) in Net Assets Resulting from Operations		(12,780	)		-		(117,513	)		(336,035)


Increase (Decrease) in Net Assets from Contract Transactions		(1,590	)		-		(187,781	)		(307,245)


Total Increase (Decrease) in Net Assets		(14,370	)		-		(305,294	)		(643,280)


Net Assets as of December 31, 2022:	$	118,655		$	-	$	970,064		$	2,021,018


Investment Income:
Reinvested Dividends		1,499			-		8,549			34,382
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,546			-		14,672			29,120

Net Investment Income (Loss)		(47	)		-		(6,123	)		5,262

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		11,303			-		38,124			-
Realized Gain (Loss) on Investments		(328	)		-		(3,837	)		(23,335)

Net Realized Capital Gains (Losses) on Investments		10,975			-		34,287			(23,335)
Net Change in Unrealized Appreciation (Depreciation)		(167	)		-		68,541			110,629

Net Gain (Loss) on Investment		10,808			-		102,828			87,294

Net Increase (Decrease) in Net Assets Resulting from Operations		10,761			-		96,705			92,556


Increase (Decrease) in Net Assets from Contract Transactions		(1,863	)		-		(55,007	)		51,411


Total Increase (Decrease) in Net Assets		8,898			-		41,698			143,967


Net Assets as of December 31, 2023:	$	127,553		$	-	$	1,011,762		$	2,164,985

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	TA T. Rowe Price Small Cap Service Class Subaccount			TA TS&W International Equity Service Class Subaccount			TA US Growth Class A Shares Subaccount			TA WMC US Growth Service Class Subaccount

Net Assets as of December 31, 2021:	$	95,621		$	30,548		$	1,479,800		$	-


Investment Income:
Reinvested Dividends		-			796			-			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,102			390			17,907			-

Net Investment Income (Loss)		(1,102	)		406			(17,907	)		-

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		27,618			1,030			45,615			-
Realized Gain (Loss) on Investments		(9,683	)		(621	)		(60,735	)		-

Net Realized Capital Gains (Losses) on Investments		17,935			409			(15,120	)		-
Net Change in Unrealized Appreciation (Depreciation)		(39,082	)		(5,646	)		(455,060	)		-

Net Gain (Loss) on Investment		(21,147	)		(5,237	)		(470,180	)		-

Net Increase (Decrease) in Net Assets Resulting from Operations		(22,249	)		(4,831	)		(488,087	)		-


Increase (Decrease) in Net Assets from Contract Transactions		(4,991	)		(1,320	)		107,621			-


Total Increase (Decrease) in Net Assets		(27,240	)		(6,151	)		(380,466	)		-


Net Assets as of December 31, 2022:	$	68,381		$	24,397		$	1,099,334		$	-


Investment Income:
Reinvested Dividends		-			212			-			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,008			390			17,448			-

Net Investment Income (Loss)		(1,008	)		(178	)		(17,448	)		-

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		3,218			-			42,898			-
Realized Gain (Loss) on Investments		(6,251	)		61			40,913			-

Net Realized Capital Gains (Losses) on Investments		(3,033	)		61			83,811			-
Net Change in Unrealized Appreciation (Depreciation)		15,696			3,344			325,543			-

Net Gain (Loss) on Investment		12,663			3,405			409,354			-

Net Increase (Decrease) in Net Assets Resulting from Operations		11,655			3,227			391,906			-


Increase (Decrease) in Net Assets from Contract Transactions		(13,825	)		(1,223	)		(278,731	)		-


Total Increase (Decrease) in Net Assets		(2,170	)		2,004			113,175			-


Net Assets as of December 31, 2023:	$	66,211		$	26,401		$	1,212,509		$	-

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	Virtus AllianzGI Dividend Value Class A Shares Subaccount			Virtus AllianzGI Small-Cap Value Class A Shares Subaccount

Net Assets as of December 31, 2021:	$	168,472		$	279,542


Investment Income:
Reinvested Dividends		2,345			2,064
Investment Expense:
Mortality and Expense Risk and Administrative Charges		2,232			3,005

Net Investment Income (Loss)		113			(941)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		19,373			29,426
Realized Gain (Loss) on Investments		(6,458	)		(59,270)

Net Realized Capital Gains (Losses) on Investments		12,915			(29,844)
Net Change in Unrealized Appreciation (Depreciation)		(37,670	)		(16,534)

Net Gain (Loss) on Investment		(24,755	)		(46,378)

Net Increase (Decrease) in Net Assets Resulting from Operations		(24,642	)		(47,319)


Increase (Decrease) in Net Assets from Contract Transactions		(8,780	)		(39,853)


Total Increase (Decrease) in Net Assets		(33,422	)		(87,172)


Net Assets as of December 31, 2022:	$	135,050		$	192,370


Investment Income:
Reinvested Dividends		5,036			4,584
Investment Expense:
Mortality and Expense Risk and Administrative Charges		2,151			2,726

Net Investment Income (Loss)		2,885			1,858

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		13,881			17,926
Realized Gain (Loss) on Investments		(1,101	)		(5,786)

Net Realized Capital Gains (Losses) on Investments		12,780			12,140
Net Change in Unrealized Appreciation (Depreciation)		7,017			24,805

Net Gain (Loss) on Investment		19,797			36,945

Net Increase (Decrease) in Net Assets Resulting from Operations		22,682			38,803


Increase (Decrease) in Net Assets from Contract Transactions		(6,168	)		(14,171)


Total Increase (Decrease) in Net Assets		16,514			24,632


Net Assets as of December 31, 2023:	$	151,564		$	217,002

See Accompanying Notes.

⁽¹⁾See Footnote 1

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

1. Organization

ML of New York Variable Annuity Separate Account D (the Separate Account) is a segregated investment account of Transamerica Financial Life Insurance Company (TFLIC), an indirect wholly owned subsidiary of Aegon N.V., a holding company organized under the laws of the Netherlands.

The Separate Account is registered with the Securities and Exchange Commission as a Unit Investment Trust pursuant to provisions of the Investment Company Act of 1940. TFLIC and the Separate Account are regulated by the Securities and Exchange Commission. The assets and liabilities of the Separate Account are clearly identified and distinguished from TFLIC’s other assets and liabilities. The Separate Account consists of multiple investment subaccounts. Each subaccount invests exclusively in the corresponding portfolio of a Mutual Fund. Each Mutual Fund is registered as an open-end management investment company under the Investment Company Act of 1940, as amended. Activity in these specified investment subaccounts is available to contract owners of Merrill Lynch Investor Choice Annuity^® NY and Merrill Lynch IRA Annuity^® NY.

Subaccount Investment by Mutual Fund:


Subaccount		Mutual Fund

The AB Trust		The AB Trust
AB Discovery Value Class A Shares		AB Discovery Value Portfolio Class A Shares
AB International Value Class A Shares		AB International Value Portfolio Class A Shares
AB Large Cap Growth Class A Shares		AB Large Cap Growth Portfolio Class A Shares

AB Relative Value Class A Shares		AB Relative Value Portfolio Class A Shares
AB Value Class A Shares		AB Value Portfolio Class A Shares
American Funds		American Funds
American Funds - EuroPacific Growth Fund^® Class F -1 Shares		American Funds - EuroPacific Growth Fund^® Class F -1 Shares
American Funds - Growth Fund of America^® Class F -1 Shares		American Funds - Growth Fund of America^® Fund Class F -1 Shares
American Funds - Income Fund of America^® Class F -1 Shares		American Funds - Income Fund of America^® Fund Class F -1 Shares
American Funds - Investment Company of America^® Class F -1 Shares		American Funds - Investment Company of America^® Fund Class F -1 Shares
American Funds - The Bond Fund of America^® Class A Shares		American Funds - The Bond Fund of America Fund^® Class A Shares
American Funds - The Bond Fund of America^® Class F -1 Shares		American Funds - The Bond Fund of America Fund^® Class F -1 Shares
American Funds - The Growth Fund of America^® Class A Shares		American Funds - The Growth Fund of America^® Fund Class A Shares
American Funds - The Income Fund of America^® Class A Shares		American Funds - The Income Fund of America^® Fund Class A Shares
American Funds - The Investment Company of America^® Class A Shares		American Funds - The Investment Company of America^® Fund Class A Shares
The Managers Fund		The Managers Fund
AMG Renaissance Large Cap Growth Class N Shares		AMG Renaissance Large Cap Growth Fund Class N Shares
BlackRock Series, Inc.		BlackRock Funds, Inc.
BlackRock Advantage Global Investor A Shares		BlackRock Advantage Global Fund Investor A Shares
BlackRock Advantage International Investor A Shares		BlackRock Advantage International Fund Investor A Shares
BlackRock Advantage Large Cap Core Investor A Shares		BlackRock Advantage Large Cap Core Fund Investor A Shares
BlackRock Advantage Large Cap Value Investor A Shares		BlackRock Advantage Large Cap Value Fund Investor A Shares
BlackRock Advantage SMID Investor A Shares		BlackRock Advantage SMID Fund Investor A Shares
BlackRock Capital Appreciation Investor A Shares		BlackRock Capital Appreciation Fund Investor A Shares
BlackRock Global Allocation Investor A Shares		BlackRock Global Allocation Fund Investor A Shares
BlackRock High Yield Bond Investor A Shares		BlackRock High Yield Bond Fund Investor A Shares
BlackRock Impact Mortgage Investor A Shares		BlackRock Impact Mortgage Investor A Shares
BlackRock International Investor A Shares		BlackRock International Fund Investor A Shares
BlackRock iShares MSCI EAFE International Index Investor A Shares		BlackRock iShares MSCI EAFE International Index Fund Investor A Shares
BlackRock iShares Russell 2000 Small-Cap Index Investor A Shares		BlackRock iShares Russell 2000 Small-Cap Index Fund Investor A Shares

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

1. Organization (continued)


Subaccount Investment by Mutual Fund:
Subaccount		Mutual Fund

BlackRock Funds, Inc.		BlackRock Funds, Inc.
BlackRock iShares S&P 500 Index Investor A Shares		BlackRock iShares S&P 500 Index Investor Fund A Shares
BlackRock Large Cap Focus Growth Investor A Shares		BlackRock Large Cap Focus Growth Fund Investor A Shares
BlackRock Large Cap Focus Value Investor A Shares		BlackRock Large Cap Focus Value Fund Investor A Shares
BlackRock Low Duration Bond Investor A Shares		BlackRock Low Duration Bond Fund Investor A Shares
BlackRock Total Return Investor A Shares		BlackRock Total Return Fund Investor A Shares
BNY Mellon Funds		BNY Mellon Funds
BNY Mellon Appreciation Investor Shares		BNY Mellon Appreciation Fund Investor Shares
Cohen & Steers Capital Management, Inc.		Cohen & Steers Capital Management, Inc.
Cohen & Steers Real Estate Securities Class A Shares		Cohen & Steers Real Estate Securities Fund Class A Shares
Columbia Funds Series Trust		Columbia Funds Series Trust
Columbia Large Cap Growth Opportunity Class A Shares		Columbia Large Cap Growth Opportunity Fund Class A Shares
Columbia Select Mid Cap Growth Class A Shares		Columbia Select Mid Cap Growth Fund Class A Shares
Columbia Select Small Cap Value Class A Shares		Columbia Select Small Cap Value Class Fund A Shares
Davis New York Venture Fund, Inc.		Davis New York Venture Fund, Inc.
Davis New York Venture Class A Shares		Davis New York Venture Fund Class A Shares
Delaware Group Equity Funds IV		Delaware Group Equity Funds IV
Delaware Mid Cap Growth Equity Class A Shares		Delaware Mid Cap Growth Equity Fund Class A Shares
Eaton Vance Mutual Funds Trust		Eaton Vance Mutual Funds Trust
Eaton Vance Floating-Rate Class A Shares		Eaton Vance Floating-Rate Fund Class A Shares
Eaton Vance Special Investment Trust		Eaton Vance Special Investment Trust
Eaton Vance Large-Cap Value Class A Shares		Eaton Vance Large-Cap Value Fund Class A Shares
Federated Equity Funds		Federated Equity Funds
Federated Hermes Equity Income Class A Shares		Federated Hermes Equity Income Fund Class A Shares
Federated Hermes Kaufmann Class A Shares		Federated Hermes Kaufmann Fund Class A Shares
Fidelity Advisor Series		Fidelity Advisor Series
Fidelity Advisor^® Equity Growth Class A Shares		Fidelity Advisor^® Equity Growth Fund Class A Shares
Fidelity Advisor^® Overseas Class A Shares		Fidelity Advisor^® Overseas Fund Class A Shares
Fidelity Advisor^® Stock Selector Mid Cap Class A Shares		Fidelity Advisor^® Stock Selector Mid Cap Fund Class A Shares
Templeton Growth Funds, Inc.		Templeton Growth Funds, Inc.
Franklin Templeton Growth Class A Shares		Franklin Templeton Growth Fund Class A Shares
AIM Series Trust (Invesco Series Trust)		AIM Series Trust (Invesco Series Trust)
Invesco American Franchise Fund Class A Shares		Invesco American Franchise Fund Class A Shares
Invesco Capital Appreciation Class A Shares		Invesco Capital Appreciation Fund Class A Shares
Invesco Charter Class A Shares		Invesco Charter Fund Class A Shares
Invesco Comstock Class A Shares		Invesco Comstock Fund Class A Shares
Invesco Discovery Mid Cap Growth Class A Shares		Invesco Discovery Mid Cap Growth Class A Shares
Invesco Equity and Income Class A Shares		Invesco Equity and Income Fund Class A Shares
Invesco Fundamental Alternatives Class A Shares		Invesco Fundamental Alternatives Fund Class A Shares
Invesco Global Class A Shares		Invesco Global Fund Class A Shares
Invesco Main Street Class A Shares		Invesco Main Street Fund Class A Shares
Invesco Main Street Mid Cap Class A Shares		Invesco Main Street Mid Cap Fund Class A Shares
Invesco Value Opportunities Class A Shares		Invesco Value Opportunities Fund Class A Shares
Janus Advisor Series		Janus Advisor Series
Janus Henderson Enterprise Class A Shares		Janus Henderson Enterprise Portfolio Class A Shares
Janus Henderson Forty Class A Shares		Janus Henderson Forty Portfolio Class A Shares

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

1. Organization (continued)


Subaccount Investment by Mutual Fund:
Subaccount		Mutual Fund

JPMorgan Trust II		JPMorgan Trust II
JPMorgan Small Cap Growth Class A Shares		JPMorgan Small Cap Growth Fund Class A Shares
Lord Abbett Funds, Inc.		Lord Abbett Funds, Inc.
Lord Abbett Affiliated Class A Shares		Lord Abbett Affiliated Class A Shares
Lord Abbett Bond-Debenture Class A Shares		Lord Abbett Bond-Debenture Class A Shares
Lord Abbett Mid Cap Stock Class A Shares		Lord Abbett Mid Cap Stock Class A Shares
MFS Series Trust		MFS Series Trust
MFS^® Growth Class A Shares		MFS^® Growth Fund Class A Shares
MFS^® Mid Cap Growth Class A Shares		MFS^® Mid Cap Growth Fund Class A Shares
MFS^® Research International Class A Shares		MFS^® Research International Fund Class A Shares
PIMCO Funds		PIMCO Funds
PIMCO CommodityRealReturn Strategy Class A Shares		PIMCO CommodityRealReturn Strategy Fund Class A Shares
PIMCO Low Duration Class A Shares		PIMCO Low Duration Fund Class A Shares
PIMCO Real Return Class A Shares		PIMCO Real Return Fund Class A Shares
PIMCO Total Return Class A Shares		PIMCO Total Return Fund Class A Shares
Pioneer Funds		Pioneer Funds
Pioneer Class A Shares		Pioneer Class A Shares
Pioneer High Yield Class A Shares		Pioneer High Yield Class A Shares
Pioneer Select Mid Cap Growth Class A Shares		Pioneer Select Mid Cap Growth Class A Shares
Putnam Funds		Putnam Funds
Putnam International Equity Class A Shares		Putnam International Equity Class A Shares
Putnam Large Cap Growth Class A Shares		Putnam Large Cap Growth Class A Shares
Putnam Large Cap Value Class A Shares		Putnam Large Cap Value Class A Shares
Transamerica Funds		Transamerica Funds
TA Aegon Sustainable Equity Income Service Class		Transamerica Aegon Sustainable Equity Income VP Service Class
TA Asset Allocation - Conservative Class A Shares		Transamerica Asset Allocation - Conservative Class A Shares
TA Asset Allocation - Moderate Class A Shares		Transamerica Asset Allocation - Moderate Class A Shares
TA Asset Allocation - Moderate Growth Class A Shares		Transamerica Asset Allocation - Moderate Growth Class A Shares
TA BlackRock Government Money Market Initial Class		Transamerica BlackRock Government Money Market VP Initial Class
TA Bond Class A Shares		Transamerica Bond Class A Shares
TA International Focus Initial Class		Transamerica International Focus VP Initial Class
TA JPMorgan Mid Cap Value Service Class		Transamerica JPMorgan Mid Cap Value VP Service Class
TA Multi-Managed Balanced Class A Shares		Transamerica Multi-Managed Balanced Class A Shares
TA Small/Mid Cap Value Class A Shares		Transamerica Small/Mid Cap Value Class A Shares
TA Sustainable Equity Income Class A Shares		Transamerica Sustainable Equity Income VP Class A Shares
TA T. Rowe Price Small Cap Service Class		Transamerica T. Rowe Price Small Cap VP Service Class
TA TS&W International Equity Service Class		Transamerica TS&W International Equity VP Service Class
TA US Growth Class A Shares		Transamerica US Growth Class A Shares
TA WMC US Growth Service Class		Transamerica WMC US Growth VP Service Class
Virtus Funds		Virtus Funds
Virtus AllianzGI Dividend Value Class A Shares		AllianzGI Dividend Value Fund Class A Shares
Virtus AllianzGI Small-Cap Value Class A Shares		AllianzGI Small-Cap Value Fund Class A Shares

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

1. Organization (continued)

Each period reported on reflects a full twelve month period except as follows:


Subaccount		Inception Date
Invesco Discovery Mid Cap Growth Class A Shares		April 17, 2020
BlackRock Large Cap Focus Growth Investor A Shares		December 6, 2019
TA BlackRock Government Money Market Initial Class		November 29, 2019

The following subaccount name changes were made effective during the fiscal year ended December 31, 2023:
Subaccount		Formerly
Delaware Mid Cap Growth Equity Class A Shares		Delaware Smid Cap Growth Class A Shares
Putnam Large Cap Growth Class A Shares		Putnam Growth Opportunities Class A Shares

During the current year the following subaccounts were removed as available investment options to contract owners and subsequently replaced and reinvested:
Reinvested Subaccount		Removed Subaccount
TA WMC US Growth Service Class		TA Morgan Stanley Capital Growth Service Class

The transfers from the removed and liquidated subaccounts to the reinvested subaccounts for the period ended December 31, 2023 are reflected in the Statements of Changes in Net Assets within Increase (Decrease) in Net Assets from Contract Transactions and purchases and sales in Footnote 3.

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

2. Summary of Significant Accounting Policies

The financial statements included herein have been prepared in accordance with U.S. generally accepted accounting principles (GAAP) for variable annuity separate accounts registered as unit investment trusts. The preparation of the financial statements in conformity with GAAP requires management to make estimates and assumptions regarding matters that affect the reported amount of assets and liabilities. Actual results could differ from those estimates.

Investments

Net purchase payments received by the Separate Account are invested in the portfolios of the Mutual Funds as selected by the contract owner. Investments are stated at the closing net asset values per share on December 31, 2023.

Realized capital gains and losses from sales of shares in the Separate Account are determined on the first-in, first-out basis. Investment transactions are accounted for on the trade date (date the order to buy or sell is executed) and dividend income is recorded on the ex-dividend date. Unrealized gains or losses from investments in the Mutual Funds are included in the Statements of Operations and Changes in Net Assets.

Dividend Income

Dividends received from the Mutual Fund investments are reinvested to purchase additional mutual fund shares.

Fair Value Measurements and Fair Value Hierarchy

The Accounting Standards Codification™ (ASC) 820 defines fair value, establishes a framework for measuring fair value, establishes a fair value hierarchy based on the nature of inputs used to measure fair value and enhances disclosure requirements for fair value measurements.

The Separate Account has categorized its financial instruments into a three level hierarchy which is based on the priority of the inputs to the valuation technique. The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets or liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). If the inputs used to measure fair value fall within different levels of the hierarchy, the category level is based on the lowest priority level input that is significant to the fair value measurement of the instrument.

Financial assets and liabilities recorded at fair value on the Statements of Assets and Liabilities are categorized as follows:

Level 1. Unadjusted quoted prices for identical assets or liabilities in an active market.

Level 2. Quoted prices in markets that are not active or inputs that are observable either directly or indirectly for substantially the full term of the asset or liability. Level 2 inputs include the following:

a) Quoted prices for similar assets or liabilities in active markets

b) Quoted prices for identical or similar assets or liabilities in non-active markets

c) Inputs other than quoted market prices that are observable

d) Inputs that are derived principally from or corroborated by observable market data through correlation or other means.

Level 3. Prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. They reflect management’s own assumptions about the assumptions a market participant would use in pricing the asset or liability.

All investments in the Mutual Funds included in the Statements of Assets and Liabilities are stated at fair value and are based upon published closing NAV per share and therefore are considered Level 1.

There were no transfers between Level 1, Level 2 and Level 3 during the year ended December 31, 2023.

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

3. Investments

The aggregate cost of purchases and proceeds from sales of investments for the period ended December 31, 2023 were as follows:


Subaccount	Purchases		Sales

AB Discovery Value Class A Shares	$	11,102	$	22,766

AB International Value Class A Shares		590		9,195

AB Large Cap Growth Class A Shares		4,873		5,544

AB Relative Value Class A Shares		23,093		19,384

AB Value Class A Shares		-		-

American Funds - EuroPacific Growth Fund^® Class F -1 Shares		21,976		69,748

American Funds - Growth Fund of America^® Class F -1 Shares		75,827		182,563

American Funds - Income Fund of America^® Class F -1 Shares		4,104		71,791

American Funds - Investment Company of America^® Class F -1 Shares		4,598		44,521

American Funds - The Bond Fund of America^® Class A Shares		7,993		50,618

American Funds - The Bond Fund of America^® Class F -1 Shares		8,021		70,471

American Funds - The Growth Fund of America^® Class A Shares		156,187		302,516

American Funds - The Income Fund of America^® Class A Shares		31,021		167,399

American Funds - The Investment Company of America^® Class A Shares		72,816		147,650

AMG Renaissance Large Cap Growth Class N Shares		722		1,938

BlackRock Advantage Global Investor A Shares		296		408

BlackRock Advantage International Investor A Shares		-		-

BlackRock Advantage Large Cap Core Investor A Shares		706		52,858

BlackRock Advantage Large Cap Value Investor A Shares		13,152		47,565

BlackRock Advantage SMID Investor A Shares		5,609		25,172

BlackRock Capital Appreciation Investor A Shares		85,158		492,369

BlackRock Global Allocation Investor A Shares		71,613		277,219

BlackRock High Yield Bond Investor A Shares		46,083		55,525

BlackRock Impact Mortgage Investor A Shares		67,252		100,998

BlackRock International Investor A Shares		884		24,331

BlackRock iShares MSCI EAFE International Index Investor A Shares		8		4,508

BlackRock iShares Russell 2000 Small-Cap Index Investor A Shares		-		-

BlackRock iShares S&P 500 Index Investor A Shares		244,783		143,220

BlackRock Large Cap Focus Growth Investor A Shares		4,336		15,073

BlackRock Large Cap Focus Value Investor A Shares		143,699		137,227

BlackRock Low Duration Bond Investor A Shares		-		-

BlackRock Total Return Investor A Shares		218,077		276,904

BNY Mellon Appreciation Investor Shares		47,456		66,407

Cohen & Steers Real Estate Securities Class A Shares		3,815		10,991

Columbia Large Cap Growth Opportunity Class A Shares		97		1,813

Columbia Select Mid Cap Growth Class A Shares		-		-

Columbia Select Small Cap Value Class A Shares		163,197		45,271

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

3. Investments (continued)


Subaccount	Purchases		Sales

Davis New York Venture Class A Shares	$	79,568	$	112,193

Delaware Mid Cap Growth Equity Class A Shares		589		6,314

Eaton Vance Floating-Rate Class A Shares		6,104		5,996

Eaton Vance Large-Cap Value Class A Shares		22,652		22,996

Federated Hermes Equity Income Class A Shares		774		1,580

Federated Hermes Kaufmann Class A Shares		7,110		24,695

Fidelity Advisor^® Equity Growth Class A Shares		808		54,967

Fidelity Advisor^® Overseas Class A Shares		-		-

Fidelity Advisor^® Stock Selector Mid Cap Class A Shares		-		-

Franklin Templeton Growth Class A Shares		348		1,611

Invesco American Franchise Fund Class A Shares		-		293

Invesco Capital Appreciation Class A Shares		1,090		163,137

Invesco Charter Class A Shares		852		869

Invesco Comstock Class A Shares		164,832		164,625

Invesco Discovery Mid Cap Growth Class A Shares		3,643		3,804

Invesco Equity and Income Class A Shares		7,173		37,114

Invesco Fundamental Alternatives Class A Shares		1,196		475

Invesco Global Class A Shares		1,978		1,184

Invesco Main Street Class A Shares		13,792		8,144

Invesco Main Street Mid Cap Class A Shares		4,247		10,210

Invesco Value Opportunities Class A Shares		179		171

Janus Henderson Enterprise Class A Shares		90,183		132,373

Janus Henderson Forty Class A Shares		49,285		49,692

JPMorgan Small Cap Growth Class A Shares		396		1,501

Lord Abbett Affiliated Class A Shares		6,946		7,332

Lord Abbett Bond-Debenture Class A Shares		17,839		53,013

Lord Abbett Mid Cap Stock Class A Shares		12,702		141,214

MFS^® Growth Class A Shares		36,080		155,061

MFS^® Mid Cap Growth Class A Shares		5,950		78,267

MFS^® Research International Class A Shares		11,402		30,965

PIMCO CommodityRealReturn Strategy Class A Shares		47,936		36,220

PIMCO Low Duration Class A Shares		98,179		138,359

PIMCO Real Return Class A Shares		64,925		73,434

PIMCO Total Return Class A Shares		225,313		370,003

Pioneer Class A Shares		39,396		55,625

Pioneer High Yield Class A Shares		1,512		1,549

Pioneer Select Mid Cap Growth Class A Shares		-		-

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

3. Investments (continued)


Subaccount	Purchases		Sales

Putnam International Equity Class A Shares	$	16,437	$	69,191

Putnam Large Cap Growth Class A Shares		108		1,293

Putnam Large Cap Value Class A Shares		3,147		1,429

TA Aegon Sustainable Equity Income Service Class		3,522		5,250

TA Asset Allocation - Conservative Class A Shares		-		-

TA Asset Allocation - Moderate Class A Shares		-		-

TA Asset Allocation - Moderate Growth Class A Shares		-		-

TA BlackRock Government Money Market Initial Class		28,578		31,271

TA Bond Class A Shares		-		-

TA International Focus Initial Class		145,345		365,905

TA JPMorgan Mid Cap Value Service Class		12,803		3,409

TA Multi-Managed Balanced Class A Shares		-		-

TA Small/Mid Cap Value Class A Shares		88,802		111,814

TA Sustainable Equity Income Class A Shares		243,244		186,577

TA T. Rowe Price Small Cap Service Class		4,005		15,620

TA TS&W International Equity Service Class		212		1,612

TA US Growth Class A Shares		64,318		317,602

TA WMC US Growth Service Class		-		-

Virtus AllianzGI Dividend Value Class A Shares		20,365		9,766

Virtus AllianzGI Small-Cap Value Class A Shares		22,510		16,896

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

4. Change in Units

The change in units outstanding were as follows:


	Year Ended December 31, 2023								Year Ended December 31, 2022
Subaccount	Units Purchased		Units Redeemed and Transferred to/from			Net Increase (Decrease)			Units Purchased		Units Redeemed and Transferred to/from			Net Increase (Decrease)
AB Discovery Value Class A Shares		190		(673	)		(483	)		3,117		(3,367	)		(250	)
AB International Value Class A Shares		-		(1,230	)		(1,230	)		8,624		(9,048	)		(424	)
AB Large Cap Growth Class A Shares		-		(31	)		(31	)		3		(13	)		(10	)
AB Relative Value Class A Shares		186		(361	)		(175	)		-		(901	)		(901	)
AB Value Class A Shares		-		-			-			-		-			-
American Funds - EuroPacific Growth Fund^® Class F -1 Shares		791		(2,874	)		(2,083	)		6,468		(6,767	)		(299	)
American Funds - Growth Fund of America^® Class F -1 Shares		783		(4,248	)		(3,465	)		16,337		(16,940	)		(603	)
American Funds - Income Fund of America^® Class F -1 Shares		-		(2,808	)		(2,808	)		7,109		(7,364	)		(255	)
American Funds - Investment Company of America^® Class F -1 Shares		-		(1,366	)		(1,366	)		3,790		(4,002	)		(212	)
American Funds - The Bond Fund of America^® Class A Shares		-		(3,172	)		(3,172	)		-		(5,022	)		(5,022	)
American Funds - The Bond Fund of America^® Class F -1 Shares		526		(5,823	)		(5,297	)		9,171		(9,605	)		(434	)
American Funds - The Growth Fund of America^® Class A Shares		-		(4,193	)		(4,193	)		-		(9,911	)		(9,911	)
American Funds - The Income Fund of America^® Class A Shares		-		(4,205	)		(4,205	)		-		(6,929	)		(6,929	)
American Funds - The Investment Company of America^® Class A Shares		-		(2,556	)		(2,556	)		-		(6,535	)		(6,535	)
AMG Renaissance Large Cap Growth Class N Shares		-		(99	)		(99	)		675		(772	)		(97	)
BlackRock Advantage Global Investor A Shares		-		(4	)		(4	)		600		(604	)		(4	)
BlackRock Advantage International Investor A Shares		-		-			-			-		-			-
BlackRock Advantage Large Cap Core Investor A Shares		3		(1,503	)		(1,500	)		3,426		(4,142	)		(716	)
BlackRock Advantage Large Cap Value Investor A Shares		323		(1,605	)		(1,282	)		6,853		(7,130	)		(277	)
BlackRock Advantage SMID Investor A Shares		47		(433	)		(386	)		768		(2,430	)		(1,662	)
BlackRock Capital Appreciation Investor A Shares		575		(10,319	)		(9,744	)		32,702		(26,048	)		6,654
BlackRock Global Allocation Investor A Shares		1,275		(8,284	)		(7,009	)		56,815		(64,317	)		(7,502	)
BlackRock High Yield Bond Investor A Shares		1,291		(3,207	)		(1,916	)		30,587		(35,106	)		(4,519	)
BlackRock Impact Mortgage Investor A Shares		4,856		(9,998	)		(5,142	)		6,490		(33,633	)		(27,143	)
BlackRock International Investor A Shares		50		(1,614	)		(1,564	)		3,242		(3,013	)		229
BlackRock iShares MSCI EAFE International Index Investor A Shares		-		(246	)		(246	)		256		(272	)		(16	)
BlackRock iShares Russell 2000 Small-Cap Index Investor A Shares		-		-			-			-		-			-
BlackRock iShares S&P 500 Index Investor A Shares		7,909		(4,826	)		3,083			17,092		(19,429	)		(2,337	)

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

4. Change in Units (continued)


	Year Ended December 31, 2023								Year Ended December 31, 2022
Subaccount	Units Purchased		Units Redeemed and Transferred to/from			Net Increase (Decrease)			Units Purchased		Units Redeemed and Transferred to/from			Net Increase (Decrease)
BlackRock Large Cap Focus Growth Investor A Shares		186		(1,075	)		(889	)		6,352		(5,644	)		708
BlackRock Large Cap Focus Value Investor A Shares		2,203		(3,732	)		(1,529	)		28,622		(35,407	)		(6,785	)
BlackRock Low Duration Bond Investor A Shares		-		-			-			-		-			-
BlackRock Total Return Investor A Shares		10,640		(18,667	)		(8,027	)		94,896		(128,800	)		(33,904	)
BNY Mellon Appreciation Investor Shares		717		(1,701	)		(984	)		9,305		(9,781	)		(476	)
Cohen & Steers Real Estate Securities Class A Shares		133		(398	)		(265	)		276		(294	)		(18	)
Columbia Large Cap Growth Opportunity Class A Shares		5		(83	)		(78	)		366		(336	)		30
Columbia Select Mid Cap Growth Class A Shares		-		-			-			-		-			-
Columbia Select Small Cap Value Class A Shares		2,516		(778	)		1,738			467		(4,162	)		(3,695	)
Davis New York Venture Class A Shares		667		(2,667	)		(2,000	)		5,515		(12,907	)		(7,392	)
Delaware Mid Cap Growth Equity Class A Shares		20		(159	)		(139	)		2,218		(2,315	)		(97	)
Eaton Vance Floating-Rate Class A Shares		398		(404	)		(6	)		173		(210	)		(37	)
Eaton Vance Large-Cap Value Class A Shares		1,016		(1,087	)		(71	)		3,270		(4,155	)		(885	)
Federated Hermes Equity Income Class A Shares		9		(48	)		(39	)		2,769		(2,826	)		(57	)
Federated Hermes Kaufmann Class A Shares		136		(672	)		(536	)		4,891		(5,020	)		(129	)
Fidelity Advisor^® Equity Growth Class A Shares		-		(770	)		(770	)		972		(1,603	)		(631	)
Fidelity Advisor^® Overseas Class A Shares		-		-			-			-		(27	)		(27	)
Fidelity Advisor^® Stock Selector Mid Cap Class A Shares		-		-			-			-		(41	)		(41	)
Franklin Templeton Growth Class A Shares		8		(75	)		(67	)		690		(861	)		(171	)
Invesco American Franchise Fund Class A Shares		-		(3	)		(3	)		-		(71	)		(71	)
Invesco Capital Appreciation Class A Shares		39		(4,363	)		(4,324	)		5,686		(5,788	)		(102	)
Invesco Charter Class A Shares		-		(25	)		(25	)		-		(34	)		(34	)
Invesco Comstock Class A Shares		1,726		(4,127	)		(2,401	)		26,419		(38,666	)		(12,247	)
Invesco Discovery Mid Cap Growth Class A Shares		285		(174	)		111			1,143		(3,189	)		(2,046	)
Invesco Equity and Income Class A Shares		59		(979	)		(920	)		-		(281	)		(281	)
Invesco Fundamental Alternatives Class A Shares		-		(8	)		(8	)		-		(9	)		(9	)
Invesco Global Class A Shares		-		(19	)		(19	)		-		(334	)		(334	)
Invesco Main Street Class A Shares		4		(128	)		(124	)		1,607		(1,695	)		(88	)

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

4. Change in Units (continued)


	Year Ended December 31, 2023								Year Ended December 31, 2022
Subaccount	Units Purchased		Units Redeemed and Transferred to/from			Net Increase (Decrease)			Units Purchased		Units Redeemed and Transferred to/from			Net Increase (Decrease)
Invesco Main Street Mid Cap Class A Shares		138		(288	)		(150	)		2,344		(2,875	)		(531	)
Invesco Value Opportunities Class A Shares		-		(28	)		(28	)		2,968		(2,994	)		(26	)
Janus Henderson Enterprise Class A Shares		354		(2,198	)		(1,844	)		20,402		(22,077	)		(1,675	)
Janus Henderson Forty Class A Shares		1,110		(1,215	)		(105	)		1,309		(1,186	)		123
JPMorgan Small Cap Growth Class A Shares		13		(46	)		(33	)		361		(323	)		38
Lord Abbett Affiliated Class A Shares		272		(296	)		(24	)		1,174		(1,198	)		(24	)
Lord Abbett Bond-Debenture Class A Shares		114		(2,166	)		(2,052	)		12,467		(22,614	)		(10,147	)
Lord Abbett Mid Cap Stock Class A Shares		220		(4,004	)		(3,784	)		6,248		(8,162	)		(1,914	)
MFS^® Growth Class A Shares		15		(3,481	)		(3,466	)		2,756		(1,189	)		1,567
MFS^® Mid Cap Growth Class A Shares		124		(1,407	)		(1,283	)		1,630		(4,803	)		(3,173	)
MFS^® Research International Class A Shares		155		(818	)		(663	)		495		(1,282	)		(787	)
PIMCO CommodityRealReturn Strategy Class A Shares		5,003		(4,318	)		685			30,044		(40,454	)		(10,410	)
PIMCO Low Duration Class A Shares		5,739		(11,275	)		(5,536	)		104,916		(126,066	)		(21,150	)
PIMCO Real Return Class A Shares		3,489		(4,688	)		(1,199	)		52,662		(60,132	)		(7,470	)
PIMCO Total Return Class A Shares		9,675		(23,406	)		(13,731	)		111,321		(139,884	)		(28,563	)
Pioneer Class A Shares		1,063		(1,539	)		(476	)		500		(568	)		(68	)
Pioneer High Yield Class A Shares		65		(81	)		(16	)		364		(432	)		(68	)
Pioneer Select Mid Cap Growth Class A Shares		-		-			-			-		-			-
Putnam International Equity Class A Shares		146		(2,420	)		(2,274	)		1,158		(3,808	)		(2,650	)
Putnam Large Cap Growth Class A Shares		-		(38	)		(38	)		-		(54	)		(54	)
Putnam Large Cap Value Class A Shares		-		(39	)		(39	)		-		(68	)		(68	)
TA Aegon Sustainable Equity Income Service Class		-		(262	)		(262	)		2,105		(2,373	)		(268	)
TA Asset Allocation - Conservative Class A Shares		-		-			-			-		-			-
TA Asset Allocation - Moderate Class A Shares		-		-			-			-		-			-
TA Asset Allocation - Moderate Growth Class A Shares		-		-			-			-		-			-
TA BlackRock Government Money Market Initial Class		553		(2,511	)		(1,958	)		72,849		(53,728	)		19,121
TA Bond Class A Shares		-		-			-			-		-			-
TA International Focus Initial Class		6,678		(27,099	)		(20,421	)		279,332		(301,363	)		(22,031	)

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

4. Change in Units (continued)


	Year Ended December 31, 2023								Year Ended December 31, 2022
Subaccount	Units Purchased		Units Redeemed and Transferred to/from			Net Increase (Decrease)			Units Purchased		Units Redeemed and Transferred to/from			Net Increase (Decrease)
TA JPMorgan Mid Cap Value Service Class		-		(136	)		(136	)		-		(121	)		(121	)
TA Multi-Managed Balanced Class A Shares		-		-			-			-		-			-
TA Small/Mid Cap Value Class A Shares		1,574		(3,561	)		(1,987	)		39,487		(46,212	)		(6,725	)
TA Sustainable Equity Income Class A Shares		15,221		(11,451	)		3,770			109,605		(130,971	)		(21,366	)
TA T. Rowe Price Small Cap Service Class		57		(1,012	)		(955	)		5,506		(5,846	)		(340	)
TA TS&W International Equity Service Class		-		(110	)		(110	)		2,442		(2,567	)		(125	)
TA US Growth Class A Shares		651		(9,019	)		(8,368	)		44,696		(40,948	)		3,748
TA WMC US Growth Service Class		-		-			-			-		-			-
Virtus AllianzGI Dividend Value Class A Shares		87		(440	)		(353	)		8,579		(9,070	)		(491	)
Virtus AllianzGI Small-Cap Value Class A Shares		-		(484	)		(484	)		2,458		(3,482	)		(1,024	)

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

4. Change in Unit Dollars (continued)


	Year Ended December 31, 2023								Year Ended December 31, 2022
Subaccount	Units Purchased in Dollars		Units Redeemed and Transferred to/from in Dollars			Dollar Net Increase (Decrease)			Units Purchased in Dollars		Units Redeemed and Transferred to/from in Dollars			Dollar Net Increase (Decrease)
AB Discovery Value Class A Shares	$	5,929	$	(21,355	)	$	(15,426	)	$	95,120	$	(103,439	)	$	(8,319	)
AB International Value Class A Shares		-		(8,416	)		(8,416	)		51,104		(54,485	)		(3,381	)
AB Large Cap Growth Class A Shares		-		(2,317	)		(2,317	)		224		(836	)		(612	)
AB Relative Value Class A Shares		8,478		(16,424	)		(7,946	)		-		(39,959	)		(39,959	)
AB Value Class A Shares		-		-			-			-		-			-
American Funds - EuroPacific Growth Fund^® Class F -1 Shares		18,149		(67,892	)		(49,743	)		145,312		(152,623	)		(7,311	)
American Funds - Growth Fund of America^® Class F -1 Shares		33,250		(173,529	)		(140,279	)		605,893		(631,147	)		(25,254	)
American Funds - Income Fund of America^® Class F -1 Shares		-		(69,901	)		(69,901	)		172,590		(179,133	)		(6,543	)
American Funds - Investment Company of America^® Class F -1 Shares		-		(43,154	)		(43,154	)		114,480		(121,513	)		(7,033	)
American Funds - The Bond Fund of America^® Class A Shares		-		(47,741	)		(47,741	)		-		(79,972	)		(79,972	)
American Funds - The Bond Fund of America^® Class F -1 Shares		5,985		(69,537	)		(63,552	)		110,946		(116,475	)		(5,529	)
American Funds - The Growth Fund of America^® Class A Shares		-		(275,231	)		(275,231	)		-		(581,940	)		(581,940	)
American Funds - The Income Fund of America^® Class A Shares		-		(156,339	)		(156,339	)		-		(251,090	)		(251,090	)
American Funds - The Investment Company of America^® Class A Shares		-		(129,568	)		(129,568	)		-		(296,956	)		(296,956	)
AMG Renaissance Large Cap Growth Class N Shares		-		(1,793	)		(1,793	)		10,632		(12,390	)		(1,758	)
BlackRock Advantage Global Investor A Shares		-		(130	)		(130	)		17,655		(17,778	)		(123	)
BlackRock Advantage International Investor A Shares		-		-			-			-		-			-
BlackRock Advantage Large Cap Core Investor A Shares		111		(51,762	)		(51,651	)		110,708		(138,948	)		(28,240	)
BlackRock Advantage Large Cap Value Investor A Shares		8,813		(44,799	)		(35,986	)		174,457		(182,058	)		(7,601	)
BlackRock Advantage SMID Investor A Shares		2,077		(19,981	)		(17,904	)		20,396		(96,261	)		(75,865	)
BlackRock Capital Appreciation Investor A Shares		23,463		(469,444	)		(445,981	)		1,211,356		(941,784	)		269,572
BlackRock Global Allocation Investor A Shares		42,405		(242,596	)		(200,191	)		1,290,870		(1,512,145	)		(221,275	)

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

4. Change in Unit Dollars (continued)


	Year Ended December 31, 2023								Year Ended December 31, 2022
Subaccount	Units Purchased in Dollars		Units Redeemed and Transferred to/from in Dollars			Dollar Net Increase (Decrease)			Units Purchased in Dollars		Units Redeemed and Transferred to/from in Dollars			Dollar Net Increase (Decrease)
BlackRock High Yield Bond Investor A Shares	$	19,990	$	(49,230	)	$	(29,240	)	$	443,385	$	(510,910	)	$	(67,525	)
BlackRock Impact Mortgage Investor A Shares		46,369		(92,769	)		(46,400	)		64,995		(324,944	)		(259,949	)
BlackRock International Investor A Shares		722		(23,913	)		(23,191	)		43,145		(39,863	)		3,282
BlackRock iShares MSCI EAFE International Index Investor A Shares		-		(4,458	)		(4,458	)		4,109		(4,384	)		(275	)
BlackRock iShares Russell 2000 Small-Cap Index Investor A Shares		-		-			-			-		-			-
BlackRock iShares S&P 500 Index Investor A Shares		230,281		(129,181	)		101,100			421,916		(483,491	)		(61,575	)
BlackRock Large Cap Focus Growth Investor A Shares		1,937		(14,126	)		(12,189	)		72,234		(63,438	)		8,796
BlackRock Large Cap Focus Value Investor A Shares		75,741		(118,473	)		(42,732	)		784,364		(997,280	)		(212,916	)
BlackRock Low Duration Bond Investor A Shares		-		-			-			-		-			-
BlackRock Total Return Investor A Shares		142,927		(250,074	)		(107,147	)		1,229,162		(1,699,432	)		(470,270	)
BNY Mellon Appreciation Investor Shares		25,428		(61,982	)		(36,554	)		298,336		(314,355	)		(16,019	)
Cohen & Steers Real Estate Securities Class A Shares		3,648		(10,903	)		(7,255	)		8,295		(8,853	)		(558	)
Columbia Large Cap Growth Opportunity Class A Shares		97		(1,732	)		(1,635	)		6,828		(6,200	)		628
Columbia Select Mid Cap Growth Class A Shares		-		-			-			-		-			-
Columbia Select Small Cap Value Class A Shares		121,174		(38,173	)		83,001			21,140		(192,947	)		(171,807	)
Davis New York Venture Class A Shares		18,505		(102,224	)		(83,719	)		134,288		(395,792	)		(261,504	)
Delaware Mid Cap Growth Equity Class A Shares		592		(5,175	)		(4,583	)		64,800		(68,500	)		(3,700	)
Eaton Vance Floating-Rate Class A Shares		5,875		(5,968	)		(93	)		2,533		(3,092	)		(559	)
Eaton Vance Large-Cap Value Class A Shares		20,822		(22,095	)		(1,273	)		66,187		(85,725	)		(19,538	)
Federated Hermes Equity Income Class A Shares		145		(835	)		(690	)		45,352		(46,330	)		(978	)
Federated Hermes Kaufmann Class A Shares		4,525		(22,531	)		(18,006	)		152,040		(156,007	)		(3,967	)
Fidelity Advisor^® Equity Growth Class A Shares		-		(52,965	)		(52,965	)		63,739		(98,735	)		(34,996	)
Fidelity Advisor^® Overseas Class A Shares		-		-			-			-		(745	)		(745	)
Fidelity Advisor^® Stock Selector Mid Cap Class A Shares		-		-			-			-		(1,993	)		(1,993	)
Franklin Templeton Growth Class A Shares		141		(1,371	)		(1,230	)		10,467		(13,600	)		(3,133	)
Invesco American Franchise Fund Class A Shares		-		(75	)		(75	)		-		(1,592	)		(1,592	)
Invesco Capital Appreciation Class A Shares		1,098		(161,526	)		(160,428	)		169,647		(173,492	)		(3,845	)

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

4. Change in Unit Dollars (continued)


	Year Ended December 31, 2023								Year Ended December 31, 2022
Subaccount	Units Purchased in Dollars		Units Redeemed and Transferred to/from in Dollars			Dollar Net Increase (Decrease)			Units Purchased in Dollars		Units Redeemed and Transferred to/from in Dollars			Dollar Net Increase (Decrease)
Invesco Charter Class A Shares	$	-	$	(685	)	$	(685	)	$	-	$	(847	)	$	(847	)
Invesco Comstock Class A Shares		60,336		(146,549	)		(86,213	)		782,107		(1,279,668	)		(497,561	)
Invesco Discovery Mid Cap Growth Class A Shares		3,662		(2,189	)		1,473			14,992		(40,284	)		(25,292	)
Invesco Equity and Income Class A Shares		2,176		(35,945	)		(33,769	)		-		(10,078	)		(10,078	)
Invesco Fundamental Alternatives Class A Shares		-		(129	)		(129	)		-		(139	)		(139	)
Invesco Global Class A Shares		-		(940	)		(940	)		-		(14,894	)		(14,894	)
Invesco Main Street Class A Shares		196		(5,722	)		(5,526	)		49,216		(53,448	)		(4,232	)
Invesco Main Street Mid Cap Class A Shares		4,250		(9,193	)		(4,943	)		69,026		(87,374	)		(18,348	)
Invesco Value Opportunities Class A Shares		-		(66	)		(66	)		6,676		(6,741	)		(65	)
Janus Henderson Enterprise Class A Shares		18,539		(118,385	)		(99,846	)		981,329		(1,066,200	)		(84,871	)
Janus Henderson Forty Class A Shares		45,415		(49,046	)		(3,631	)		45,601		(40,736	)		4,865
JPMorgan Small Cap Growth Class A Shares		396		(1,376	)		(980	)		10,463		(9,227	)		1,236
Lord Abbett Affiliated Class A Shares		6,420		(6,908	)		(488	)		27,067		(27,687	)		(620	)
Lord Abbett Bond-Debenture Class A Shares		2,499		(48,862	)		(46,363	)		265,684		(527,071	)		(261,387	)
Lord Abbett Mid Cap Stock Class A Shares		6,605		(134,372	)		(127,767	)		142,494		(206,773	)		(64,279	)
MFS^® Growth Class A Shares		652		(146,376	)		(145,724	)		106,277		(43,799	)		62,478
MFS^® Mid Cap Growth Class A Shares		5,993		(70,501	)		(64,508	)		81,120		(202,291	)		(121,171	)
MFS^® Research International Class A Shares		4,708		(25,196	)		(20,488	)		13,540		(37,361	)		(23,821	)
PIMCO CommodityRealReturn Strategy Class A Shares		38,209		(32,976	)		5,233			288,341		(386,531	)		(98,190	)
PIMCO Low Duration Class A Shares		62,996		(124,344	)		(61,348	)		1,155,064		(1,390,980	)		(235,916	)
PIMCO Real Return Class A Shares		47,050		(63,370	)		(16,320	)		742,020		(850,403	)		(108,383	)
PIMCO Total Return Class A Shares		146,841		(338,915	)		(192,074	)		1,606,814		(2,046,545	)		(439,731	)
Pioneer Class A Shares		39,397		(55,574	)		(16,177	)		17,500		(20,173	)		(2,673	)
Pioneer High Yield Class A Shares		1,194		(1,469	)		(275	)		6,714		(7,991	)		(1,277	)
Pioneer Select Mid Cap Growth Class A Shares		-		-			-			-		-			-
Putnam International Equity Class A Shares		3,766		(60,554	)		(56,788	)		24,671		(85,127	)		(60,456	)
Putnam Large Cap Growth Class A Shares		-		(1,042	)		(1,042	)		-		(1,114	)		(1,114	)
Putnam Large Cap Value Class A Shares		-		(675	)		(675	)		-		(1,093	)		(1,093	)

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

4. Change in Unit Dollars (continued)


	Year Ended December 31, 2023								Year Ended December 31, 2022
Subaccount	Units Purchased in Dollars		Units Redeemed and Transferred to/from in Dollars			Dollar Net Increase (Decrease)			Units Purchased in Dollars		Units Redeemed and Transferred to/from in Dollars			Dollar Net Increase (Decrease)
TA Aegon Sustainable Equity Income Service Class	$	-	$	(2,840	)	$	(2,840	)	$	21,632	$	(24,555	)	$	(2,923	)
TA Asset Allocation - Conservative Class A Shares		-		-			-			-		-			-
TA Asset Allocation - Moderate Class A Shares		-		-			-			-		-			-
TA Asset Allocation - Moderate Growth Class A Shares		-		-			-			-		-			-
TA BlackRock Government Money Market Initial Class		5,438		(24,944	)		(19,506	)		709,519		(523,518	)		186,001
TA Bond Class A Shares		-		-			-			-		-			-
TA International Focus Initial Class		78,208		(317,030	)		(238,822	)		3,009,077		(3,264,943	)		(255,866	)
TA JPMorgan Mid Cap Value Service Class		-		(1,863	)		(1,863	)		-		(1,590	)		(1,590	)
TA Multi-Managed Balanced Class A Shares		-		-			-			-		-			-
TA Small/Mid Cap Value Class A Shares		42,252		(97,259	)		(55,007	)		1,043,846		(1,231,627	)		(187,781	)
TA Sustainable Equity Income Class A Shares		209,330		(157,919	)		51,411			1,435,501		(1,742,746	)		(307,245	)
TA T. Rowe Price Small Cap Service Class		802		(14,627	)		(13,825	)		70,377		(75,368	)		(4,991	)
TA TS&W International Equity Service Class		-		(1,223	)		(1,223	)		24,622		(25,942	)		(1,320	)
TA US Growth Class A Shares		21,424		(300,155	)		(278,731	)		1,271,684		(1,164,063	)		107,621
TA WMC US Growth Service Class		-		-			-			-		-			-
Virtus AllianzGI Dividend Value Class A Shares		1,461		(7,629	)		(6,168	)		138,600		(147,380	)		(8,780	)
Virtus AllianzGI Small-Cap Value Class A Shares		-		(14,171	)		(14,171	)		61,490		(101,343	)		(39,853	)

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

5.	Financial Highlights

The Separate Account offers various death benefit options, which have differing fees that are charged against the contract owner’s account balance. These charges are discussed in more detail in the individual’s policy. Differences in the fee structures for these units result in different unit values, expense ratios, and total returns.


		At December 31									For the Year Ended December 31
Subaccount		Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio					Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**


AB Discovery Value Class A Shares

	12/31/2023		2,477	$	38.01	to	$	35.19	$	88,217		0.43	%		1.25	%	to	1.65	%		15.25	%	to	14.79	%

	12/31/2022		2,960		32.98	to		30.66		91,933		0.59			1.25		to	1.65			(17.38	)	to	(17.71	)

	12/31/2021		3,210		39.92	to		37.26		121,119		0.81			1.25		to	1.65			33.76		to	33.23

	12/31/2020		3,645		29.84	to		27.97		103,309		0.64			1.25		to	1.65			1.83		to	1.42

	12/31/2019		3,685		29.30	to		27.57		102,759		0.78			1.25		to	1.65			18.25		to	17.78

AB International Value Class A Shares

	12/31/2023		7,192		7.52	to		7.03		51,487		1.16			1.25		to	1.65			13.46		to	13.01

	12/31/2022		8,422		6.62	to		6.22		53,392		0.87			1.25		to	1.65			(11.91	)	to	(12.27	)

	12/31/2021		8,846		7.52	to		7.09		63,873		2.52			1.25		to	1.65			9.39		to	8.95

	12/31/2020		9,816		6.87	to		6.50		65,032		0.84			1.25		to	1.65			0.75		to	0.35

	12/31/2019		9,015		6.82	to		6.48		59,395		1.16			1.25		to	1.65			15.03		to	14.57

AB Large Cap Growth Class A Shares

	12/31/2023		3,383		83.58	to		83.58		282,765		-			1.30		to	1.30			32.93		to	32.93

	12/31/2022		3,414		62.88	to		62.88		214,663		-			1.30		to	1.30			(29.87	)	to	(29.87	)

	12/31/2021		3,424		89.66	to		89.66		306,957		-			1.30		to	1.30			26.92		to	26.92

	12/31/2020		3,452		70.64	to		70.64		243,825		-			1.30		to	1.30			32.30		to	32.30

	12/31/2019		3,488		53.39	to		53.39		186,220		-			1.30		to	1.30			32.04		to	32.04

AB Relative Value Class A Shares

	12/31/2023		4,866		49.29	to		49.29		239,831		1.32			1.30		to	1.30			9.79		to	9.79

	12/31/2022		5,041		44.89	to		44.89		226,290		1.12			1.30		to	1.30			(5.42	)	to	(5.42	)

	12/31/2021		5,942		47.47	to		47.47		282,051		0.55			1.30		to	1.30			25.74		to	25.74

	12/31/2020		9,940		37.75	to		37.75		375,222		1.34			1.30		to	1.30			1.48		to	1.48

	12/31/2019		9,893		37.20	to		37.20		367,963		1.23			1.30		to	1.30			21.50		to	21.50

AB Value Class A Shares

	12/31/2023		-		22.53	to		20.86		-		1.19			1.25		to	1.65			17.03		to	16.57

	12/31/2022		-		19.25	to		17.89		-		1.28			1.25		to	1.65			(8.16	)	to	(8.53	)

	12/31/2021		-		20.96	to		19.56		-		1.28			1.25		to	1.65			25.44		to	24.94

	12/31/2020		-		16.71	to		15.66		-		1.74			1.25		to	1.65			(0.35	)	to	(0.74	)

	12/31/2019		-		16.77	to		15.77		-		1.65			1.25		to	1.65			18.39		to	17.92

American Funds - EuroPacific Growth Fund^® Class F -1 Shares

	12/31/2023		4,252		27.25	to		25.23		109,704		1.45			1.25		to	1.65			14.15		to	13.70

	12/31/2022		6,335		23.87	to		22.19		143,598		0.77			1.25		to	1.65			(23.98	)	to	(24.28	)

	12/31/2021		6,634		31.40	to		29.31		198,430		1.10			1.25		to	1.65			1.19		to	0.78

	12/31/2020		8,715		31.03	to		29.08		257,372		0.16			1.25		to	1.65			23.22		to	22.73

	12/31/2019		10,905		25.19	to		23.70		262,802		1.05			1.25		to	1.65			25.37		to	24.87

American Funds - Growth Fund of America^® Class F -1 Shares

	12/31/2023		12,577		52.21	to		48.34		616,724		0.54			1.25		to	1.65			35.44		to	34.90

	12/31/2022		16,042		38.55	to		35.84		583,856		0.16			1.25		to	1.65			(31.61	)	to	(31.89	)

	12/31/2021		16,645		56.36	to		52.61		889,027		-			1.25		to	1.65			17.78		to	17.31

	12/31/2020		20,375		47.85	to		44.85		924,961		0.23			1.25		to	1.65			36.05		to	35.51

	12/31/2019		21,908		35.17	to		33.10		733,821		0.68			1.25		to	1.65			26.47		to	25.97

American Funds - Income Fund of America^® Class F -1 Shares

	12/31/2023		4,199		28.02	to		25.95		109,351		3.54			1.25		to	1.65			6.21		to	5.79

	12/31/2022		7,007		26.38	to		24.53		173,514		2.21			1.25		to	1.65			(7.65	)	to	(8.02	)

	12/31/2021		7,262		28.57	to		26.67		195,489		2.81			1.25		to	1.65			15.84		to	15.38

	12/31/2020		7,490		24.66	to		23.11		174,695		3.14			1.25		to	1.65			3.57		to	3.16

	12/31/2019		10,619		23.81	to		22.41		241,500		3.17			1.25		to	1.65			17.36		to	16.89

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


		At December 31									For the Year Ended December 31
Subaccount		Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio					Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**


American Funds - Investment Company of America^® Class F -1 Shares

	12/31/2023		2,347	$	41.66	to	$	38.58	$	94,074		1.51	%		1.25	%	to	1.65	%		26.82	%	to	26.32	%

	12/31/2022		3,713		32.85	to		30.54		116,219		0.95			1.25		to	1.65			(16.61	)	to	(16.94	)

	12/31/2021		3,925		39.39	to		36.77		147,674		1.17			1.25		to	1.65			23.38		to	22.89

	12/31/2020		4,112		31.93	to		29.92		125,732		1.53			1.25		to	1.65			13.01		to	12.56

	12/31/2019		4,274		28.25	to		26.58		115,984		1.84			1.25		to	1.65			22.88		to	22.39

American Funds - The Bond Fund of America^® Class A Shares

	12/31/2023		12,840		15.57	to		15.57		199,892		3.60			1.30		to	1.30			3.35		to	3.35

	12/31/2022		16,012		15.06	to		15.06		241,193		2.53			1.30		to	1.30			(13.81	)	to	(13.81	)

	12/31/2021		21,034		17.48	to		17.48		367,594		1.42			1.30		to	1.30			(2.23	)	to	(2.23	)

	12/31/2020		28,081		17.87	to		17.87		501,927		1.87			1.30		to	1.30			9.28		to	9.28

	12/31/2019		30,532		16.36	to		16.36		499,374		2.33			1.30		to	1.30			6.62		to	6.62

American Funds - The Bond Fund of America^® Class F -1 Shares

	12/31/2023		3,684		12.97	to		12.01		44,253		3.49			1.25		to	1.65			3.37		to	2.96

	12/31/2022		8,981		12.55	to		11.67		106,378		1.80			1.25		to	1.65			(13.79	)	to	(14.13	)

	12/31/2021		9,415		14.56	to		13.59		129,828		1.38			1.25		to	1.65			(2.22	)	to	(2.61	)

	12/31/2020		12,297		14.89	to		13.95		173,524		1.83			1.25		to	1.65			9.31		to	8.87

	12/31/2019		14,865		13.62	to		12.81		193,037		2.29			1.25		to	1.65			6.63		to	6.21

American Funds - The Growth Fund of America^® Class A Shares

	12/31/2023		31,099		72.84	to		72.84		2,265,220		0.59			1.30		to	1.30			35.44		to	35.44

	12/31/2022		35,292		53.78	to		53.78		1,898,008		0.24			1.30		to	1.30			(31.61	)	to	(31.61	)

	12/31/2021		45,203		78.64	to		78.64		3,554,867		0.08			1.30		to	1.30			17.80		to	17.80

	12/31/2020		55,211		66.76	to		66.76		3,685,987		0.29			1.30		to	1.30			36.03		to	36.03

	12/31/2019		58,851		49.08	to		49.08		2,888,326		0.67			1.30		to	1.30			26.47		to	26.47

American Funds - The Income Fund of America^® Class A Shares

	12/31/2023		20,580		38.94	to		38.94		801,458		3.64			1.30		to	1.30			6.20		to	6.20

	12/31/2022		24,785		36.67	to		36.67		908,850		3.07			1.30		to	1.30			(7.62	)	to	(7.62	)

	12/31/2021		31,714		39.69	to		39.69		1,258,815		2.87			1.30		to	1.30			15.86		to	15.86

	12/31/2020		33,344		34.26	to		34.26		1,142,313		3.37			1.30		to	1.30			3.61		to	3.61

	12/31/2019		37,207		33.07	to		33.07		1,230,295		3.19			1.30		to	1.30			17.39		to	17.39

American Funds - The Investment Company of America^® Class A Shares

	12/31/2023		26,790		56.29	to		56.29		1,508,099		1.55			1.30		to	1.30			26.85		to	26.85

	12/31/2022		29,346		44.38	to		44.38		1,302,305		1.37			1.30		to	1.30			(16.60	)	to	(16.60	)

	12/31/2021		35,881		53.21	to		53.21		1,909,392		1.22			1.30		to	1.30			23.41		to	23.41

	12/31/2020		46,109		43.12	to		43.12		1,988,301		1.59			1.30		to	1.30			13.01		to	13.01

	12/31/2019		48,457		38.16	to		38.16		1,848,916		1.92			1.30		to	1.30			22.93		to	22.93

AMG Renaissance Large Cap Growth Class N Shares

	12/31/2023		504		20.93	to		20.40		10,417		0.06			1.25		to	1.65			23.49		to	23.00

	12/31/2022		603		16.95	to		16.59		10,110		0.10			1.25		to	1.65			(18.07	)	to	(18.40	)

	12/31/2021		700		20.69	to		20.33		14,350		-			1.25		to	1.65			28.40		to	27.89

	12/31/2020		782		16.11	to		15.89		12,507		0.11			1.25		to	1.65			22.01		to	21.52

	12/31/2019		952		13.21	to		13.08		12,511		0.59			1.25		to	1.65			33.48		to	32.95

BlackRock Advantage Global Investor A Shares

	12/31/2023		594		36.92	to		34.19		21,102		1.54			1.25		to	1.65			20.91		to	20.42

	12/31/2022		598		30.53	to		28.39		17,607		1.17			1.25		to	1.65			(18.95	)	to	(19.27	)

	12/31/2021		602		37.67	to		35.17		21,913		1.12			1.25		to	1.65			16.16		to	15.69

	12/31/2020		605		32.43	to		30.40		18,997		1.38			1.25		to	1.65			14.11		to	13.65

	12/31/2019		609		28.42	to		26.74		16,786		1.84			1.25		to	1.65			23.98		to	23.48

BlackRock Advantage International Investor A Shares

	12/31/2023		-		20.32	to		19.34		-		-			1.25		to	1.65			17.63		to	17.17

	12/31/2022		-		17.27	to		16.51		-		-			1.25		to	1.65			(14.76	)	to	(15.10	)

	12/31/2021		-		20.27	to		19.45		-		-			1.25		to	1.65			11.37		to	10.93

	12/31/2020		-		18.20	to		17.53		-		-			1.25		to	1.65			5.73		to	5.30

	12/31/2019		-		17.21	to		16.65		-		-			1.25		to	1.65			19.86		to	19.38

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


		At December 31									For the Year Ended December 31
Subaccount		Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio					Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**


BlackRock Advantage Large Cap Core Investor A Shares

	12/31/2023		1,820	$	41.86	to	$	38.76	$	73,286		0.79	%		1.25	%	to	1.65	%		23.73	%	to	23.24	%

	12/31/2022		3,320		33.83	to		31.45		108,130		0.65			1.25		to	1.65			(21.29	)	to	(21.60	)

	12/31/2021		4,036		42.98	to		40.12		167,425		0.58			1.25		to	1.65			26.70		to	26.20

	12/31/2020		4,268		33.92	to		31.79		140,020		0.90			1.25		to	1.65			18.06		to	17.59

	12/31/2019		5,725		28.73	to		27.04		159,452		1.51			1.25		to	1.65			27.22		to	26.71

BlackRock Advantage Large Cap Value Investor A Shares

	12/31/2023		5,443		32.17	to		29.79		162,475		1.41			1.25		to	1.65			12.01		to	11.57

	12/31/2022		6,725		28.72	to		26.70		180,364		1.03			1.25		to	1.65			(9.99	)	to	(10.35	)

	12/31/2021		7,002		31.90	to		29.78		209,413		1.20			1.25		to	1.65			24.90		to	24.40

	12/31/2020		7,153		25.54	to		23.94		171,942		1.69			1.25		to	1.65			2.33		to	1.92

	12/31/2019		7,099		24.96	to		23.49		167,426		1.96			1.25		to	1.65			22.84		to	22.35

BlackRock Advantage SMID Investor A Shares

	12/31/2023		8,458		33.43	to		30.96		432,772		0.89			1.25		to	1.65			17.12		to	16.66

	12/31/2022		8,844		28.54	to		26.54		386,512		0.72			1.25		to	1.65			(17.83	)	to	(18.16	)

	12/31/2021		10,506		34.74	to		32.42		561,330		1.21			1.25		to	1.65			12.05		to	11.60

	12/31/2020		11,237		31.00	to		29.05		536,359		0.70			1.25		to	1.65			18.01		to	17.53

	12/31/2019		11,551		26.27	to		24.72		466,825		1.43			1.25		to	1.65			26.98		to	26.47

BlackRock Capital Appreciation Investor A Shares

	12/31/2023		31,743		50.93	to		47.16		1,695,616		-			1.25		to	1.65			47.01		to	46.43

	12/31/2022		41,487		34.64	to		32.21		1,506,642		-			1.25		to	1.65			(38.61	)	to	(38.86	)

	12/31/2021		34,833		56.44	to		52.68		2,068,465		-			1.25		to	1.65			19.20		to	18.72

	12/31/2020		43,931		47.35	to		44.37		2,207,047		-			1.25		to	1.65			38.35		to	37.80

	12/31/2019		57,923		34.22	to		32.20		2,094,614		-			1.25		to	1.65			30.21		to	29.69

BlackRock Global Allocation Investor A Shares

	12/31/2023		85,235		25.74	to		23.83		2,614,493		1.17			1.25		to	1.65			10.95		to	10.51

	12/31/2022		92,244		23.20	to		21.57		2,553,026		-			1.25		to	1.65			(17.09	)	to	(17.42	)

	12/31/2021		99,746		27.98	to		26.12		3,338,422		0.93			1.25		to	1.65			5.13		to	4.71

	12/31/2020		110,554		26.61	to		24.94		3,591,003		0.48			1.25		to	1.65			19.29		to	18.81

	12/31/2019		117,282		22.31	to		20.99		3,189,168		1.14			1.25		to	1.65			15.76		to	15.29

BlackRock High Yield Bond Investor A Shares

	12/31/2023		25,171		16.86	to		16.05		410,417		6.56			1.25		to	1.65			11.94		to	11.49

	12/31/2022		27,087		15.06	to		14.39		395,884		3.72			1.25		to	1.65			(11.97	)	to	(12.33	)

	12/31/2021		31,606		17.11	to		16.42		526,061		4.39			1.25		to	1.65			4.22		to	3.80

	12/31/2020		36,184		16.42	to		15.82		580,356		5.08			1.25		to	1.65			4.18		to	3.76

	12/31/2019		37,157		15.76	to		15.24		573,501		5.39			1.25		to	1.65			13.67		to	13.22

BlackRock Impact Mortgage Investor A Shares

	12/31/2023		63,442		9.75	to		9.27		614,462		3.27			1.25		to	1.65			3.16		to	2.75

	12/31/2022		68,584		9.45	to		9.02		644,247		2.10			1.25		to	1.65			(14.46	)	to	(14.80	)

	12/31/2021		95,727		11.04	to		10.59		1,051,724		1.22			1.25		to	1.65			(2.74	)	to	(3.13	)

	12/31/2020		109,902		11.36	to		10.93		1,242,123		1.54			1.25		to	1.65			5.08		to	4.66

	12/31/2019		107,146		10.81	to		10.45		1,153,012		2.31			1.25		to	1.65			5.13		to	4.71

BlackRock International Investor A Shares

	12/31/2023		1,141		16.34	to		15.55		18,280		0.59			1.25		to	1.65			17.90		to	17.43

	12/31/2022		2,705		13.86	to		13.24		36,291		0.62			1.25		to	1.65			(25.37	)	to	(25.67	)

	12/31/2021		2,476		18.57	to		17.81		44,642		0.46			1.25		to	1.65			7.76		to	7.33

	12/31/2020		2,492		17.23	to		16.60		41,853		0.21			1.25		to	1.65			19.96		to	19.48

	12/31/2019		2,690		14.37	to		13.89		37,763		1.02			1.25		to	1.65			29.82		to	29.30

BlackRock iShares MSCI EAFE International Index Investor A Shares

	12/31/2023		0		20.57	to		19.05		-		0.22			1.25		to	1.65			16.56		to	16.09

	12/31/2022		246		17.65	to		16.41		4,191		1.71			1.25		to	1.65			(15.42	)	to	(15.76	)

	12/31/2021		262		20.87	to		19.48		5,285		2.71			1.25		to	1.65			9.63		to	9.19

	12/31/2020		276		19.03	to		17.84		5,088		1.92			1.25		to	1.65			6.34		to	5.91

	12/31/2019		294		17.90	to		16.84		5,110		3.11			1.25		to	1.65			20.02		to	19.54

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


			At December 31									For the Year Ended December 31
Subaccount			Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio					Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**


BlackRock iShares Russell 2000 Small-Cap Index Investor A Shares

	12/31/2023			-	$	33.35	to	$	30.89	$	-		-	%		1.25	%	to	1.65	%		15.16	%	to	14.70	%

	12/31/2022			-		28.96	to		26.93		-		-			1.25		to	1.65			(21.56	)	to	(21.87	)

	12/31/2021			-		36.92	to		34.46		-		-			1.25		to	1.65			12.96		to	12.51

	12/31/2020			-		32.68	to		30.63		-		-			1.25		to	1.65			18.18		to	17.71

	12/31/2019			-		27.66	to		26.02		-		-			1.25		to	1.65			23.65		to	23.15

BlackRock iShares S&P 500 Index Investor A Shares

	12/31/2023			40,798		31.65	to		30.32		1,279,980		1.29			1.25		to	1.65			24.28		to	23.78

	12/31/2022			37,715		25.47	to		24.50		951,944		1.06			1.25		to	1.65			(19.40	)	to	(19.72	)

	12/31/2021			40,052		31.60	to		30.52		1,255,613		1.06			1.25		to	1.65			26.64		to	26.14

	12/31/2020			41,463		24.95	to		24.19		1,026,807		1.44			1.25		to	1.65			16.58		to	16.12

	12/31/2019			62,236		21.40	to		20.83		1,324,733		1.85			1.25		to	1.65			29.39		to	28.87

BlackRock Large Cap Focus Growth Investor A Shares

	12/31/2023			4,485		15.91	to		15.65		70,714		-			1.25		to	1.65			50.77		to	50.17

	12/31/2022			5,374		10.55	to		10.42		56,326		-			1.25		to	1.65			(39.01	)	to	(39.26	)

	12/31/2021			4,666		17.30	to		17.16		80,362		-			1.25		to	1.65			15.23		to	14.77

	12/31/2020			5,087		15.01	to		14.95		76,202		-			1.25		to	1.65			44.62		to	44.05

	12/31/2019	⁽¹⁾		6,811		10.38	to		10.38		70,696		-			1.25		to	1.65			-		to	-

BlackRock Large Cap Focus Value Investor A Shares

	12/31/2023			39,394		32.31	to		29.92		1,468,672		2.20			1.25		to	1.65			14.49		to	14.03

	12/31/2022			40,923		28.22	to		26.23		1,324,378		1.08			1.25		to	1.65			(6.04	)	to	(6.41	)

	12/31/2021			47,708		30.03	to		28.03		1,633,586		1.14			1.25		to	1.65			20.72		to	20.24

	12/31/2020			57,292		24.88	to		23.31		1,624,934		2.02			1.25		to	1.65			1.70		to	1.29

	12/31/2019			56,603		24.46	to		23.02		1,583,170		2.23			1.25		to	1.65			22.32		to	21.84

BlackRock Low Duration Bond Investor A Shares

	12/31/2023			-		10.31	to		9.81		-		-			1.25		to	1.65			4.08		to	3.67

	12/31/2022			-		9.91	to		9.46		-		-			1.25		to	1.65			(6.14	)	to	(6.52	)

	12/31/2021			-		10.55	to		10.12		-		-			1.25		to	1.65			(1.74	)	to	(2.13	)

	12/31/2020			-		10.74	to		10.34		-		-			1.25		to	1.65			1.92		to	1.52

	12/31/2019			-		10.54	to		10.19		-		-			1.25		to	1.65			3.17		to	2.76

BlackRock Total Return Investor A Shares

	12/31/2023			140,209		13.64	to		12.63		1,922,121		3.89			1.25		to	1.65			4.33		to	3.92

	12/31/2022			148,236		13.07	to		12.15		1,954,105		2.10			1.25		to	1.65			(15.52	)	to	(15.86	)

	12/31/2021			182,140		15.47	to		14.44		2,857,122		1.69			1.25		to	1.65			(2.19	)	to	(2.59	)

	12/31/2020			196,888		15.82	to		14.83		3,167,812		2.07			1.25		to	1.65			7.23		to	6.80

	12/31/2019			200,675		14.75	to		13.88		3,010,880		2.91			1.25		to	1.65			8.18		to	7.75

BNY Mellon Appreciation Investor Shares

	12/31/2023			7,524		42.06	to		38.95		301,064		0.66			1.25		to	1.65			19.90		to	19.42

	12/31/2022			8,508		35.08	to		32.61		284,612		0.39			1.25		to	1.65			(18.96	)	to	(19.28	)

	12/31/2021			8,984		43.28	to		40.40		371,638		0.36			1.25		to	1.65			25.45		to	24.95

	12/31/2020			10,877		34.50	to		32.34		360,172		0.68			1.25		to	1.65			22.47		to	21.98

	12/31/2019			12,503		28.17	to		26.51		338,995		1.02			1.25		to	1.65			33.46		to	32.93

Cohen & Steers Real Estate Securities Class A Shares

	12/31/2023			-		33.44	to		30.97		-		2.79			1.25		to	1.65			11.39		to	10.94

	12/31/2022			265		30.03	to		27.92		7,685		1.88			1.25		to	1.65			(27.40	)	to	(27.69	)

	12/31/2021			283		41.36	to		38.61		11,289		1.70			1.25		to	1.65			39.92		to	39.37

	12/31/2020			298		29.56	to		27.70		8,516		3.17			1.25		to	1.65			(3.22	)	to	(3.61	)

	12/31/2019			317		30.54	to		28.74		9,399		2.52			1.25		to	1.65			29.54		to	29.03

Columbia Large Cap Growth Opportunity Class A Shares

	12/31/2023			234		23.63	to		22.96		5,450		-			1.25		to	1.65			29.64		to	29.12

	12/31/2022			312		18.23	to		17.78		5,609		-			1.25		to	1.65			(30.56	)	to	(30.84	)

	12/31/2021			282		26.25	to		25.71		7,318		-			1.25		to	1.65			17.59		to	17.12

	12/31/2020			326		22.32	to		21.95		7,216		-			1.25		to	1.65			38.75		to	38.19

	12/31/2019			431		16.09	to		15.88		6,894		-			1.25		to	1.65			34.25		to	33.71

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


		At December 31									For the Year Ended December 31
Subaccount		Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio					Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**


Columbia Select Mid Cap Growth Class A Shares

	12/31/2023		-	$	25.98	to	$	24.69	$	-		-	%		1.25	%	to	1.65	%		23.40	%	to	22.91	%

	12/31/2022		-		21.05	to		20.09		-		-			1.25		to	1.65			(32.28	)	to	(32.56	)

	12/31/2021		-		31.09	to		29.78		-		-			1.25		to	1.65			14.77		to	14.31

	12/31/2020		-		27.09	to		26.05		-		-			1.25		to	1.65			33.22		to	32.68

	12/31/2019		-		20.33	to		19.64		-		-			1.25		to	1.65			33.12		to	32.59

Columbia Select Small Cap Value Class A Shares

	12/31/2023		12,850		52.85	to		52.85		679,066		0.87			1.30		to	1.30			10.95		to	10.95

	12/31/2022		11,112		47.63	to		47.63		529,249		0.62			1.30		to	1.30			(16.46	)	to	(16.46	)

	12/31/2021		14,807		57.01	to		57.01		844,214		0.04			1.30		to	1.30			29.48		to	29.48

	12/31/2020		19,022		44.03	to		44.03		837,639		0.02			1.30		to	1.30			8.16		to	8.16

	12/31/2019		19,747		40.71	to		40.71		803,975		0.10			1.30		to	1.30			17.23		to	17.23

Davis New York Venture Class A Shares

	12/31/2023		17,975		33.83	to		31.32		778,464		0.92			1.25		to	1.65			28.39		to	27.88

	12/31/2022		19,975		26.35	to		24.49		677,985		1.29			1.25		to	1.65			(18.49	)	to	(18.81	)

	12/31/2021		27,367		32.32	to		30.17		1,157,546		0.13			1.25		to	1.65			11.11		to	10.67

	12/31/2020		36,412		29.09	to		27.26		1,330,790		0.57			1.25		to	1.65			10.03		to	9.59

	12/31/2019		39,232		26.44	to		24.88		1,306,367		1.52			1.25		to	1.65			29.28		to	28.77

Delaware Mid Cap Growth Equity Class A Shares

	12/31/2023		2,393		36.26	to		34.40		84,689		-			1.25		to	1.65			18.72		to	18.25

	12/31/2022		2,532		30.54	to		29.09		75,598		-			1.25		to	1.65			(46.15	)	to	(46.37	)

	12/31/2021		2,629		56.73	to		54.24		146,135		-			1.25		to	1.65			(9.54	)	to	(9.90	)

	12/31/2020		2,694		62.71	to		60.20		165,918		-			1.25		to	1.65			91.51		to	90.75

	12/31/2019		2,946		32.74	to		31.56		94,869		-			1.25		to	1.65			33.64		to	33.11

Eaton Vance Floating-Rate Class A Shares

	12/31/2023		157		16.26	to		15.06		2,561		8.42			1.25		to	1.65			10.44		to	10.00

	12/31/2022		163		14.72	to		13.69		2,396		3.28			1.25		to	1.65			(3.80	)	to	(4.18	)

	12/31/2021		200		15.30	to		14.28		3,058		3.05			1.25		to	1.65			2.72		to	2.31

	12/31/2020		172		14.90	to		13.96		2,563		3.56			1.25		to	1.65			0.89		to	0.49

	12/31/2019		163		14.77	to		13.89		2,403		4.64			1.25		to	1.65			5.51		to	5.09

Eaton Vance Large-Cap Value Class A Shares

	12/31/2023		2,747		23.81	to		22.26		63,245		1.01			1.25		to	1.65			6.58		to	6.16

	12/31/2022		2,818		22.34	to		20.97		60,981		0.75			1.25		to	1.65			(3.98	)	to	(4.37	)

	12/31/2021		3,703		23.27	to		21.93		83,642		1.01			1.25		to	1.65			22.75		to	22.26

	12/31/2020		4,385		18.95	to		17.93		80,842		1.39			1.25		to	1.65			1.01		to	0.61

	12/31/2019		4,013		18.76	to		17.83		73,400		1.28			1.25		to	1.65			28.18		to	27.67

Federated Hermes Equity Income Class A Shares

	12/31/2023		2,688		18.90	to		18.11		48,733		1.15			1.25		to	1.65			7.70		to	7.27

	12/31/2022		2,727		17.55	to		16.88		46,091		0.86			1.25		to	1.65			(9.12	)	to	(9.48	)

	12/31/2021		2,784		19.31	to		18.65		51,985		0.88			1.25		to	1.65			19.40		to	18.93

	12/31/2020		2,842		16.17	to		15.68		44,633		1.35			1.25		to	1.65			5.09		to	4.67

	12/31/2019		2,860		15.39	to		14.98		42,895		2.14			1.25		to	1.65			19.76		to	19.28

Federated Hermes Kaufmann Class A Shares

	12/31/2023		3,823		38.84	to		35.97		139,440		-			1.25		to	1.65			13.48		to	13.03

	12/31/2022		4,359		34.23	to		31.82		140,720		-			1.25		to	1.65			(31.11	)	to	(31.38	)

	12/31/2021		4,488		49.68	to		46.38		210,813		-			1.25		to	1.65			1.13		to	0.73

	12/31/2020		4,658		49.13	to		46.04		216,989		-			1.25		to	1.65			26.98		to	26.48

	12/31/2019		5,120		38.69	to		36.40		188,554		-			1.25		to	1.65			31.29		to	30.77

Fidelity Advisor^® Equity Growth Class A Shares

	12/31/2023		1,884		59.91	to		55.48		142,320		-			1.25		to	1.65			33.57		to	33.04

	12/31/2022		2,654		44.85	to		41.70		150,214		-			1.25		to	1.65			(25.60	)	to	(25.89	)

	12/31/2021		3,285		60.28	to		56.27		250,004		-			1.25		to	1.65			21.20		to	20.71

	12/31/2020		5,369		49.74	to		46.61		337,296		-			1.25		to	1.65			41.64		to	41.08

	12/31/2019		6,286		35.12	to		33.04		278,925		-			1.25		to	1.65			32.02		to	31.50

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


			At December 31									For the Year Ended December 31
Subaccount			Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio					Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**

Fidelity Advisor^® Overseas Class A Shares
	12/31/2023			-	$	33.36	to	$	33.36	$	-		0.71	%		1.30	%	to	1.30	%		18.46	%	to	18.46	%
	12/31/2022			-		28.16	to		28.16		-		-			1.30		to	1.30			(25.58	)	to	(25.58	)
	12/31/2021			27		37.84	to		37.84		1,007		-			1.30		to	1.30			17.39		to	17.39
	12/31/2020			384		32.24	to		32.24		12,378		-			1.30		to	1.30			13.23		to	13.23
	12/31/2019			384		28.47	to		28.47		10,936		1.49			1.30		to	1.30			25.73		to	25.73
Fidelity Advisor^® Stock Selector Mid Cap Class A Shares
	12/31/2023			-		54.83	to		54.83		-		-			1.30		to	1.30			15.35		to	15.35
	12/31/2022			-		47.53	to		47.53		-		-			1.30		to	1.30			(15.21	)	to	(15.21	)
	12/31/2021			41		56.06	to		56.06		2,303		0.46			1.30		to	1.30			21.34		to	21.34
	12/31/2020			41		46.20	to		46.20		1,907		1.06			1.30		to	1.30			11.34		to	11.34
	12/31/2019			42		41.50	to		41.50		1,722		0.61			1.30		to	1.30			27.61		to	27.61
Franklin Templeton Growth Class A Shares
	12/31/2023			860		19.22	to		17.80		18,518		1.18			1.25		to	1.65			19.48		to	19.00
	12/31/2022			927		16.09	to		14.96		16,638		0.66			1.25		to	1.65			(12.80	)	to	(13.15	)
	12/31/2021			1,098		18.45	to		17.22		22,682		1.38			1.25		to	1.65			3.82		to	3.40
	12/31/2020			1,394		17.77	to		16.65		29,329		1.12			1.25		to	1.65			4.43		to	4.01
	12/31/2019			1,377		17.02	to		16.01		27,743		2.07			1.25		to	1.65			13.40		to	12.95
Invesco American Franchise Fund Class A Shares
	12/31/2023			642		29.82	to		29.82		19,143		-			1.30		to	1.30			39.10		to	39.10
	12/31/2022			645		21.44	to		21.44		13,824		-			1.30		to	1.30			(32.03	)	to	(32.03	)
	12/31/2021			716		31.54	to		31.54		22,583		-			1.30		to	1.30			10.40		to	10.40
	12/31/2020			719		28.57	to		28.57		20,529		-			1.30		to	1.30			40.34		to	40.34
	12/31/2019			721		20.36	to		20.36		14,686		-			1.30		to	1.30			34.75		to	34.75
Invesco Capital Appreciation Class A Shares
	12/31/2023			1,313		39.12	to		36.23		49,440		-			1.25		to	1.65			33.83		to	33.30
	12/31/2022			5,637		29.23	to		27.18		163,037		-			1.25		to	1.65			(31.95	)	to	(32.22	)
	12/31/2021			5,739		42.96	to		40.10		244,043		-			1.25		to	1.65			20.83		to	20.34
	12/31/2020			1,848		35.56	to		33.32		63,609		-			1.25		to	1.65			34.59		to	34.06
	12/31/2019			2,075		26.42	to		24.86		53,167		-			1.25		to	1.65			34.37		to	33.84
Invesco Charter Class A Shares
	12/31/2023			499		29.06	to		29.06		14,491		0.36			1.30		to	1.30			21.45		to	21.45
	12/31/2022			524		23.93	to		23.93		12,530		0.69			1.30		to	1.30			(21.74	)	to	(21.74	)
	12/31/2021			558		30.58	to		30.58		17,069		0.36			1.30		to	1.30			25.75		to	25.75
	12/31/2020			587		24.32	to		24.32		14,281		0.60			1.30		to	1.30			12.03		to	12.03
	12/31/2019			590		21.70	to		21.70		12,805		0.60			1.30		to	1.30			27.34		to	27.34
Invesco Comstock Class A Shares
	12/31/2023			31,872		36.20	to		33.52		1,317,129		1.73			1.25		to	1.65			10.85		to	10.41
	12/31/2022			34,273		32.66	to		30.36		1,273,138		1.38			1.25		to	1.65			(0.44	)	to	(0.84	)
	12/31/2021			46,520		32.80	to		30.62		1,780,838		1.42			1.25		to	1.65			31.66		to	31.14
	12/31/2020			59,663		24.91	to		23.35		1,718,844		2.36			1.25		to	1.65			(2.02	)	to	(2.41	)
	12/31/2019			57,897		25.43	to		23.93		1,712,990		2.09			1.25		to	1.65			23.79		to	23.29
Invesco Discovery Mid Cap Growth Class A Shares
	12/31/2023			9,884		13.74	to		13.74		135,784		-			1.30		to	1.30			11.51		to	11.51
	12/31/2022			9,773		12.32	to		12.32		120,402		-			1.30		to	1.30			(31.98	)	to	(31.98	)
	12/31/2021			11,819		18.11	to		18.11		214,079		-			1.30		to	1.30			17.33		to	17.33
	12/31/2020	⁽¹⁾		12,457		15.44	to		15.44		192,304		-			1.30		to	1.30			-		to	-
Invesco Equity and Income Class A Shares
	12/31/2023			1,841		38.77	to		38.77		71,385		1.85			1.30		to	1.30			8.57		to	8.57
	12/31/2022			2,761		35.71	to		35.71		98,594		1.75			1.30		to	1.30			(8.91	)	to	(8.91	)
	12/31/2021			3,042		39.20	to		39.20		119,252		1.12			1.30		to	1.30			16.50		to	16.50
	12/31/2020			7,573		33.65	to		33.65		254,854		1.83			1.30		to	1.30			8.55		to	8.55
	12/31/2019			7,513		31.00	to		31.00		232,905		1.87			1.30		to	1.30			18.52		to	18.52

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


		At December 31									For the Year Ended December 31
Subaccount		Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio					Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**

Invesco Fundamental Alternatives Class A Shares
	12/31/2023		1,695	$	15.96	to	$	15.96	$	27,054		0.85	%		1.30	%	to	1.30	%		2.22	%	to	2.22	%
	12/31/2022		1,703		15.62	to		15.62		26,595		-			1.30		to	1.30			(8.47	)	to	(8.47	)
	12/31/2021		1,712		17.06	to		17.06		29,208		2.79			1.30		to	1.30			1.16		to	1.16
	12/31/2020		1,718		16.87	to		16.87		28,976		1.91			1.30		to	1.30			0.15		to	0.15
	12/31/2019		1,725		16.84	to		16.84		29,046		2.02			1.30		to	1.30			5.20		to	5.20
Invesco Global Class A Shares
	12/31/2023		373		54.91	to		54.91		20,457		-			1.30		to	1.30			32.31		to	32.31
	12/31/2022		392		41.50	to		41.50		16,264		-			1.30		to	1.30			(33.02	)	to	(33.02	)
	12/31/2021		726		61.96	to		61.96		44,962		-			1.30		to	1.30			13.87		to	13.87
	12/31/2020		3,034		54.41	to		54.41		165,084		-			1.30		to	1.30			25.97		to	25.97
	12/31/2019		3,150		43.19	to		43.19		136,053		0.44			1.30		to	1.30			29.87		to	29.87
Invesco Main Street Class A Shares
	12/31/2023		4,362		39.06	to		36.17		197,289		0.17			1.25		to	1.65			21.55		to	21.06
	12/31/2022		4,486		32.13	to		29.88		167,489		0.86			1.25		to	1.65			(21.16	)	to	(21.48	)
	12/31/2021		4,574		40.76	to		38.05		217,163		0.61			1.25		to	1.65			26.02		to	25.51
	12/31/2020		4,737		32.34	to		30.31		179,151		0.91			1.25		to	1.65			12.94		to	12.49
	12/31/2019		5,109		28.64	to		26.95		172,283		0.90			1.25		to	1.65			30.30		to	29.78
Invesco Main Street Mid Cap Class A Shares
	12/31/2023		2,086		36.51	to		33.81		73,267		-			1.25		to	1.65			13.06		to	12.61
	12/31/2022		2,236		32.29	to		30.02		69,625		0.09			1.25		to	1.65			(15.41	)	to	(15.75	)
	12/31/2021		2,767		38.17	to		35.63		102,054		0.21			1.25		to	1.65			21.50		to	21.01
	12/31/2020		2,909		31.42	to		29.44		88,479		-			1.25		to	1.65			7.78		to	7.35
	12/31/2019		321		29.15	to		27.43		9,066		-			1.25		to	1.65			30.50		to	29.98
Invesco Value Opportunities Class A Shares
	12/31/2023		2,927		2.82	to		2.69		8,063		0.23			1.25		to	1.65			13.72		to	13.27
	12/31/2022		2,955		2.48	to		2.37		7,170		0.50			1.25		to	1.65			0.10		to	(0.30	)
	12/31/2021		2,981		2.48	to		2.38		7,241		0.59			1.25		to	1.65			33.91		to	33.37
	12/31/2020		3,004		1.85	to		1.78		5,460		0.31			1.25		to	1.65			4.17		to	3.75
	12/31/2019		3,030		1.78	to		1.72		5,298		-			1.25		to	1.65			28.26		to	27.75
Janus Henderson Enterprise Class A Shares
	12/31/2023		16,783		59.90	to		56.53		970,879		-			1.25		to	1.65			16.12		to	15.66
	12/31/2022		18,627		51.59	to		48.88		929,896		-			1.25		to	1.65			(17.36	)	to	(17.69	)
	12/31/2021		20,302		62.42	to		59.39		1,229,081		0.70			1.25		to	1.65			15.52		to	15.06
	12/31/2020		24,211		54.04	to		51.62		1,273,876		-			1.25		to	1.65			18.40		to	17.93
	12/31/2019		27,556		45.64	to		43.77		1,227,257		0.08			1.25		to	1.65			33.12		to	32.58
Janus Henderson Forty Class A Shares
	12/31/2023		1,032		49.26	to		46.06		49,165		0.01			1.25		to	1.65			37.81		to	37.26
	12/31/2022		1,137		35.74	to		33.55		39,385		-			1.25		to	1.65			(34.53	)	to	(34.79	)
	12/31/2021		1,014		54.59	to		51.45		53,723		0.43			1.25		to	1.65			21.14		to	20.66
	12/31/2020		1,113		45.07	to		42.64		48,771		0.18			1.25		to	1.65			37.09		to	36.54
	12/31/2019		1,374		32.87	to		31.23		44,036		0.09			1.25		to	1.65			34.76		to	34.23
JPMorgan Small Cap Growth Class A Shares
	12/31/2023		261		33.75	to		31.56		8,523		-			1.25		to	1.65			12.45		to	12.00
	12/31/2022		294		30.02	to		28.18		8,561		-			1.25		to	1.65			(33.27	)	to	(33.54	)
	12/31/2021		256		44.98	to		42.39		11,179		-			1.25		to	1.65			(7.23	)	to	(7.60	)
	12/31/2020		231		48.49	to		45.88		10,893		0.06			1.25		to	1.65			57.23		to	56.61
	12/31/2019		340		30.84	to		29.30		10,215		-			1.25		to	1.65			35.40		to	34.86
Lord Abbett Affiliated Class A Shares
	12/31/2023		1,146		28.09	to		26.01		30,695		1.85			1.25		to	1.65			9.12		to	8.68
	12/31/2022		1,170		25.74	to		23.93		28,765		1.29			1.25		to	1.65			(10.97	)	to	(11.32	)
	12/31/2021		1,194		28.91	to		26.99		33,048		1.53			1.25		to	1.65			25.17		to	24.67
	12/31/2020		1,217		23.10	to		21.65		26,964		2.13			1.25		to	1.65			(2.50	)	to	(2.89	)
	12/31/2019		1,242		23.69	to		22.29		28,290		2.32			1.25		to	1.65			23.69		to	23.19

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


		At December 31									For the Year Ended December 31
Subaccount		Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio					Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**

Lord Abbett Bond-Debenture Class A Shares
	12/31/2023		12,369	$	21.25	to	$	19.68	$	277,564		5.21	%		1.25	%	to	1.65	%		5.53	%	to	5.11	%
	12/31/2022		14,421		20.13	to		18.72		309,618		3.74			1.25		to	1.65			(13.77	)	to	(14.11	)
	12/31/2021		24,568		23.35	to		21.79		661,694		3.33			1.25		to	1.65			1.97		to	1.57
	12/31/2020		25,474		22.90	to		21.46		673,316		3.93			1.25		to	1.65			6.26		to	5.84
	12/31/2019		25,991		21.55	to		20.28		645,794		4.10			1.25		to	1.65			11.96		to	11.52
Lord Abbett Mid Cap Stock Class A Shares
	12/31/2023		12,878		28.80	to		26.67		471,799		0.49			1.25		to	1.65			14.07		to	13.61
	12/31/2022		16,662		25.25	to		23.48		534,502		0.83			1.25		to	1.65			(12.17	)	to	(12.52	)
	12/31/2021		18,576		28.75	to		26.83		682,108		0.64			1.25		to	1.65			27.28		to	26.77
	12/31/2020		26,274		22.59	to		21.17		734,653		1.37			1.25		to	1.65			1.46		to	1.05
	12/31/2019		27,208		22.26	to		20.95		748,435		0.89			1.25		to	1.65			21.38		to	20.90
MFS^® Growth Class A Shares
	12/31/2023		14,563		46.94	to		46.94		683,575		-			1.30		to	1.30			34.04		to	34.04
	12/31/2022		18,029		35.02	to		35.02		631,380		-			1.30		to	1.30			(32.21	)	to	(32.21	)
	12/31/2021		16,462		51.66	to		51.66		850,383		-			1.30		to	1.30			21.74		to	21.74
	12/31/2020		22,403		42.43	to		42.43		950,597		-			1.30		to	1.30			29.60		to	29.60
	12/31/2019		27,745		32.74	to		32.74		908,369		-			1.30		to	1.30			35.58		to	35.58
MFS^® Mid Cap Growth Class A Shares
	12/31/2023		11,493		54.10	to		54.10		621,812		-			1.30		to	1.30			19.44		to	19.44
	12/31/2022		12,776		45.30	to		45.30		578,736		-			1.30		to	1.30			(29.45	)	to	(29.45	)
	12/31/2021		15,949		64.20	to		64.20		1,023,998		-			1.30		to	1.30			12.27		to	12.27
	12/31/2020		18,177		57.19	to		57.19		1,039,469		-			1.30		to	1.30			33.58		to	33.58
	12/31/2019		22,830		42.81	to		42.81		977,344		-			1.30		to	1.30			35.65		to	35.65
MFS^® Research International Class A Shares
	12/31/2023		14,224		32.27	to		32.27		458,984		1.50			1.30		to	1.30			11.65		to	11.65
	12/31/2022		14,887		28.90	to		28.90		430,268		1.32			1.30		to	1.30			(18.58	)	to	(18.58	)
	12/31/2021		15,674		35.50	to		35.50		556,368		0.97			1.30		to	1.30			10.15		to	10.15
	12/31/2020		19,569		32.22	to		32.22		630,567		0.82			1.30		to	1.30			11.44		to	11.44
	12/31/2019		20,555		28.92	to		28.92		594,354		1.75			1.30		to	1.30			26.03		to	26.03
PIMCO CommodityRealReturn Strategy Class A Shares
	12/31/2023		28,077		7.78	to		7.20		209,068		4.37			1.25		to	1.65			(9.02	)	to	(9.38	)
	12/31/2022		27,392		8.55	to		7.95		224,613		25.25			1.25		to	1.65			7.10		to	6.67
	12/31/2021		37,802		7.98	to		7.45		289,935		21.54			1.25		to	1.65			31.15		to	30.63
	12/31/2020		51,056		6.09	to		5.71		299,254		1.42			1.25		to	1.65			(0.83	)	to	(1.23	)
	12/31/2019		48,865		6.14	to		5.78		289,424		3.73			1.25		to	1.65			10.36		to	9.92
PIMCO Low Duration Class A Shares
	12/31/2023		80,387		11.77	to		11.01		906,249		3.80			1.25		to	1.65			3.71		to	3.29
	12/31/2022		85,923		11.35	to		10.66		936,779		1.22			1.25		to	1.65			(6.62	)	to	(6.99	)
	12/31/2021		107,073		12.16	to		11.46		1,252,730		0.54			1.25		to	1.65			(2.20	)	to	(2.60	)
	12/31/2020		115,293		12.43	to		11.76		1,386,419		1.56			1.25		to	1.65			1.83		to	1.42
	12/31/2019		115,514		12.21	to		11.60		1,367,413		3.09			1.25		to	1.65			2.88		to	2.47
PIMCO Real Return Class A Shares
	12/31/2023		45,795		14.45	to		13.38		628,475		2.87			1.25		to	1.65			2.05		to	1.64
	12/31/2022		46,994		14.16	to		13.16		634,064		5.45			1.25		to	1.65			(13.31	)	to	(13.65	)
	12/31/2021		54,464		16.33	to		15.25		849,557		4.67			1.25		to	1.65			3.95		to	3.53
	12/31/2020		62,209		15.71	to		14.73		938,782		2.23			1.25		to	1.65			10.25		to	9.81
	12/31/2019		67,134		14.25	to		13.41		921,270		1.57			1.25		to	1.65			6.75		to	6.32
PIMCO Total Return Class A Shares
	12/31/2023		145,369		15.29	to		14.16		2,245,113		3.55			1.25		to	1.65			4.63		to	4.21
	12/31/2022		159,100		14.62	to		13.59		2,341,981		2.94			1.25		to	1.65			(15.45	)	to	(15.78	)
	12/31/2021		187,663		17.29	to		16.14		3,284,682		1.96			1.25		to	1.65			(2.41	)	to	(2.80	)
	12/31/2020		196,379		17.71	to		16.60		3,529,150		2.16			1.25		to	1.65			7.16		to	6.73
	12/31/2019		195,706		16.53	to		15.55		3,291,322		3.47			1.25		to	1.65			6.55		to	6.13

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


		At December 31									For the Year Ended December 31
Subaccount		Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio					Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**

Pioneer Class A Shares
	12/31/2023		-	$	45.73	to	$	42.35	$	-		-	%		1.25	%	to	1.65	%		27.12	%	to	26.61	%
	12/31/2022		476		35.97	to		33.45		16,517		0.37			1.25		to	1.65			(20.47	)	to	(20.79	)
	12/31/2021		544		45.24	to		42.22		23,773		0.12			1.25		to	1.65			26.22		to	25.72
	12/31/2020		598		35.84	to		33.59		20,752		0.50			1.25		to	1.65			22.36		to	21.88
	12/31/2019		654		29.29	to		27.56		18,573		0.85			1.25		to	1.65			29.37		to	28.86
Pioneer High Yield Class A Shares
	12/31/2023		299		20.75	to		19.21		5,978		5.39			1.25		to	1.65			9.07		to	8.64
	12/31/2022		315		19.02	to		17.69		5,770		3.79			1.25		to	1.65			(11.97	)	to	(12.32	)
	12/31/2021		383		21.61	to		20.17		8,002		4.23			1.25		to	1.65			4.44		to	4.02
	12/31/2020		370		20.69	to		19.39		7,421		5.29			1.25		to	1.65			1.79		to	1.38
	12/31/2019		348		20.33	to		19.13		6,860		5.08			1.25		to	1.65			12.67		to	12.22
Pioneer Select Mid Cap Growth Class A Shares
	12/31/2023		-		38.59	to		36.43		-		-			1.25		to	1.65			17.19		to	16.72
	12/31/2022		-		32.93	to		31.21		-		-			1.25		to	1.65			(32.13	)	to	(32.40	)
	12/31/2021		-		48.52	to		46.17		-		-			1.25		to	1.65			6.62		to	6.20
	12/31/2020		-		45.51	to		43.48		-		-			1.25		to	1.65			37.22		to	36.67
	12/31/2019		-		33.16	to		31.81		-		-			1.25		to	1.65			31.08		to	30.56
Putnam International Equity Class A Shares
	12/31/2023		25,638		26.93	to		26.93		690,339		1.90			1.30		to	1.30			17.09		to	17.09
	12/31/2022		27,912		23.00	to		23.00		641,866		-			1.30		to	1.30			(15.94	)	to	(15.94	)
	12/31/2021		30,562		27.36	to		27.36		836,095		1.28			1.30		to	1.30			7.36		to	7.36
	12/31/2020		34,636		25.48	to		25.48		882,611		1.24			1.30		to	1.30			10.30		to	10.30
	12/31/2019		37,520		23.10	to		23.10		866,836		1.67			1.30		to	1.30			23.88		to	23.88
Putnam Large Cap Growth Class A Shares
	12/31/2023		765		28.64	to		28.64		21,913		-			1.30		to	1.30			42.37		to	42.37
	12/31/2022		803		20.12	to		20.12		16,165		-			1.30		to	1.30			(31.24	)	to	(31.24	)
	12/31/2021		857		29.26	to		29.26		25,062		-			1.30		to	1.30			20.94		to	20.94
	12/31/2020		901		24.19	to		24.19		21,802		-			1.30		to	1.30			36.62		to	36.62
	12/31/2019		905		17.71	to		17.71		16,031		-			1.30		to	1.30			34.66		to	34.66
Putnam Large Cap Value Class A Shares
	12/31/2023		3,401		18.52	to		18.52		62,979		1.49			1.30		to	1.30			13.91		to	13.91
	12/31/2022		3,440		16.25	to		16.25		55,923		1.77			1.30		to	1.30			(4.34	)	to	(4.34	)
	12/31/2021		3,508		16.99	to		16.99		59,605		1.18			1.30		to	1.30			25.20		to	25.20
	12/31/2020		3,576		13.57	to		13.57		48,528		1.64			1.30		to	1.30			4.47		to	4.47
	12/31/2019		3,595		12.99	to		12.99		46,703		1.41			1.30		to	1.30			28.25		to	28.25
TA Aegon Sustainable Equity Income Service Class
	12/31/2023		16,751		11.52	to		11.23		192,070		1.92			1.25		to	1.65			4.69		to	4.27
	12/31/2022		17,013		11.00	to		10.77		186,458		1.79			1.25		to	1.65			(12.94	)	to	(13.28	)
	12/31/2021		17,281		12.63	to		12.42		217,686		1.91			1.25		to	1.65			20.60		to	20.12
	12/31/2020		17,520		10.48	to		10.34		183,120		2.73			1.25		to	1.65			(8.74	)	to	(9.10	)
	12/31/2019		20,211		11.48	to		11.37		231,636		2.22			1.25		to	1.65			22.04		to	21.55
TA Asset Allocation - Conservative Class A Shares
	12/31/2023		-		11.78	to		11.46		-		-			1.25		to	1.65			8.87		to	8.43
	12/31/2022		-		10.82	to		10.57		-		-			1.25		to	1.65			(16.25	)	to	(16.58	)
	12/31/2021		-		12.92	to		12.67		-		-			1.25		to	1.65			4.11		to	3.70
	12/31/2020		-		12.41	to		12.22		-		-			1.25		to	1.65			11.75		to	11.31
	12/31/2019		-		11.10	to		10.98		-		-			1.25		to	1.65			10.94		to	10.50
TA Asset Allocation - Moderate Class A Shares
	12/31/2023		-		12.57	to		12.24		-		-			1.25		to	1.65			11.27		to	10.82
	12/31/2022		-		11.30	to		11.04		-		-			1.25		to	1.65			(17.08	)	to	(17.42	)
	12/31/2021		-		13.63	to		13.37		-		-			1.25		to	1.65			6.57		to	6.14
	12/31/2020		-		12.79	to		12.60		-		-			1.25		to	1.65			13.22		to	12.77
	12/31/2019		-		11.29	to		11.17		-		-			1.25		to	1.65			13.28		to	12.83

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


			At December 31									For the Year Ended December 31
Subaccount			Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio					Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**


TA Asset Allocation - Moderate Growth Class A Shares
	12/31/2023			-	$	13.69	to	$	13.32	$	-		-	%		1.25	%	to	1.65	%		14.27	%	to	13.81	%
	12/31/2022			-		11.98	to		11.71		-		-			1.25		to	1.65			(18.42	)	to	(18.74	)
	12/31/2021			-		14.68	to		14.41		-		-			1.25		to	1.65			9.98		to	9.54
	12/31/2020			-		13.35	to		13.15		-		-			1.25		to	1.65			15.45		to	14.99
	12/31/2019			8,131		11.56	to		11.44		93,893		1.91			1.25		to	1.65			16.39		to	15.93

TA BlackRock Government Money Market Initial Class
	12/31/2023			47,830		10.15	to		9.98		484,212		4.76			1.25		to	1.65			3.56		to	3.15
	12/31/2022			49,788		9.80	to		9.68		486,918		1.55			1.25		to	1.65			0.15		to	(0.25	)
	12/31/2021			30,667		9.78	to		9.70		299,580		-			1.25		to	1.65			(1.24	)	to	(1.63	)
	12/31/2020			36,703		9.91	to		9.86		363,452		0.38			1.25		to	1.65			(0.96	)	to	(1.35	)
	12/31/2019	⁽¹⁾		-		10.00	to		10.00		-		-			1.25		to	1.65			-		to	-

TA Bond Class A Shares
	12/31/2023			-		1.40	to		1.32		-		-			1.25		to	1.65			4.65		to	4.23
	12/31/2022			-		1.34	to		1.27		-		-			1.25		to	1.65			(14.51	)	to	(14.85	)
	12/31/2021			-		1.56	to		1.49		-		-			1.25		to	1.65			(1.36	)	to	(1.76	)
	12/31/2020			-		1.58	to		1.52		-		-			1.25		to	1.65			5.26		to	4.84
	12/31/2019			-		1.50	to		1.45		-		-			1.25		to	1.65			7.72		to	7.29

TA International Focus Initial Class
	12/31/2023			282,192		12.43	to		12.11		3,461,273		1.99			1.25		to	1.65			11.14		to	10.70
	12/31/2022			302,613		11.18	to		10.94		3,346,220		2.34			1.25		to	1.65			(21.04	)	to	(21.35	)
	12/31/2021			324,644		14.16	to		13.91		4,556,140		1.21			1.25		to	1.65			9.44		to	9.00
	12/31/2020			370,876		12.94	to		12.76		4,766,342		2.26			1.25		to	1.65			19.40		to	18.92
	12/31/2019			424,623		10.84	to		10.73		4,579,542		1.62			1.25		to	1.65			26.10		to	25.59

TA JPMorgan Mid Cap Value Service Class
	12/31/2023			8,903		14.37	to		14.01		127,553		1.26			1.25		to	1.65			9.20		to	8.77
	12/31/2022			9,039		13.16	to		12.88		118,655		0.56			1.25		to	1.65			(9.56	)	to	(9.92	)
	12/31/2021			9,160		14.55	to		14.30		133,025		0.55			1.25		to	1.65			27.25		to	26.74
	12/31/2020			11,678		11.44	to		11.28		133,341		1.04			1.25		to	1.65			(0.22	)	to	(0.62	)
	12/31/2019			11,727		11.46	to		11.35		134,265		1.08			1.25		to	1.65			24.43		to	23.93

TA Multi-Managed Balanced Class A Shares
	12/31/2023			-		15.66	to		15.25		-		-			1.25		to	1.65			16.96		to	16.49
	12/31/2022			-		13.39	to		13.09		-		-			1.25		to	1.65			(17.54	)	to	(17.86	)
	12/31/2021			-		16.24	to		15.93		-		-			1.25		to	1.65			15.12		to	14.66
	12/31/2020			-		14.11	to		13.90		-		-			1.25		to	1.65			14.12		to	13.67
	12/31/2019			-		12.36	to		12.23		-		-			1.25		to	1.65			19.81		to	19.33

TA Small/Mid Cap Value Class A Shares
	12/31/2023			34,245		30.69	to		28.81		1,011,762		0.87			1.25		to	1.65			10.57		to	10.13
	12/31/2022			36,232		27.75	to		26.16		970,064		0.38			1.25		to	1.65			(9.64	)	to	(10.00	)
	12/31/2021			42,957		30.71	to		29.06		1,275,358		0.05			1.25		to	1.65			25.61		to	25.10
	12/31/2020			55,563		24.45	to		23.23		1,318,715		0.58			1.25		to	1.65			1.97		to	1.56
	12/31/2019			54,851		23.98	to		22.87		1,279,571		0.46			1.25		to	1.65			23.06		to	22.57

TA Sustainable Equity Income Class A Shares
	12/31/2023			147,792		14.91	to		14.33		2,164,985		1.69			1.25		to	1.65			4.54		to	4.12
	12/31/2022			144,022		14.26	to		13.76		2,021,018		1.41			1.25		to	1.65			(12.74	)	to	(13.09	)
	12/31/2021			165,388		16.35	to		15.84		2,664,298		1.11			1.25		to	1.65			20.47		to	19.99
	12/31/2020			208,081		13.57	to		13.20		2,789,398		2.07			1.25		to	1.65			(9.08	)	to	(9.44	)
	12/31/2019			183,018		14.92	to		14.57		2,702,937		2.08			1.25		to	1.65			21.70		to	21.21

TA T. Rowe Price Small Cap Service Class
	12/31/2023			4,156		16.18	to		15.77		66,211		-			1.25		to	1.65			19.38		to	18.90
	12/31/2022			5,111		13.55	to		13.26		68,381		-			1.25		to	1.65			(23.56	)	to	(23.86	)
	12/31/2021			5,451		17.73	to		17.42		95,621		-			1.25		to	1.65			9.70		to	9.26
	12/31/2020			10,376		16.16	to		15.94		165,944		-			1.25		to	1.65			21.77		to	21.29
	12/31/2019			11,400		13.27	to		13.14		150,169		-			1.25		to	1.65			30.75		to	30.22

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


		At December 31									For the Year Ended December 31
Subaccount		Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio					Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**


TA TS&W International Equity Service Class
	12/31/2023		2,262	$	11.89	to	$	11.59	$	26,401		0.84	%		1.25	%	to	1.65	%		13.83	%	to	13.38	%
	12/31/2022		2,372		10.44	to		10.22		24,397		2.25			1.25		to	1.65			(15.69	)	to	(16.03	)
	12/31/2021		2,497		12.39	to		12.17		30,548		1.94			1.25		to	1.65			11.80		to	11.35
	12/31/2020		4,566		11.08	to		10.93		50,026		2.98			1.25		to	1.65			4.88		to	4.46
	12/31/2019		4,850		10.57	to		10.47		50,836		1.19			1.25		to	1.65			19.24		to	18.76

TA US Growth Class A Shares
	12/31/2023		31,844		39.26	to		37.44		1,212,509		-			1.25		to	1.65			39.64		to	39.09
	12/31/2022		40,212		28.11	to		26.92		1,099,334		-			1.25		to	1.65			(32.50	)	to	(32.77	)
	12/31/2021		36,464		41.65	to		40.03		1,479,800		-			1.25		to	1.65			18.71		to	18.24
	12/31/2020		44,550		35.08	to		33.86		1,528,936		-			1.25		to	1.65			34.20		to	33.66
	12/31/2019		56,871		26.14	to		25.33		1,458,170		-			1.25		to	1.65			37.62		to	37.07

TA WMC US Growth Service Class
	12/31/2023		-		22.54	to		21.97		-		-			1.25		to	1.65			39.97		to	39.41
	12/31/2022		-		16.10	to		15.76		-		-			1.25		to	1.65			(32.37	)	to	(32.64	)
	12/31/2021		-		23.81	to		23.40		-		-			1.25		to	1.65			18.88		to	18.40
	12/31/2020		-		20.03	to		19.76		-		-			1.25		to	1.65			35.24		to	34.70
	12/31/2019		-		14.81	to		14.67		-		-			1.25		to	1.65			37.94		to	37.39

Virtus AllianzGI Dividend Value Class A Shares
	12/31/2023		7,957		20.07	to		18.77		151,564		3.64			1.25		to	1.65			17.67		to	17.20
	12/31/2022		8,310		17.06	to		16.01		135,050		1.16			1.25		to	1.65			(14.77	)	to	(15.11	)
	12/31/2021		8,801		20.02	to		18.86		168,472		1.35			1.25		to	1.65			26.94		to	26.43
	12/31/2020		9,255		15.77	to		14.92		140,086		1.77			1.25		to	1.65			(3.71	)	to	(4.09	)
	12/31/2019		11,487		16.37	to		15.56		181,546		1.74			1.25		to	1.65			23.11		to	22.62

Virtus AllianzGI Small-Cap Value Class A Shares
	12/31/2023		5,302		31.75	to		29.40		217,002		2.28			1.25		to	1.65			21.47		to	20.99
	12/31/2022		5,786		26.13	to		24.30		192,370		0.83			1.25		to	1.65			(17.26	)	to	(17.59	)
	12/31/2021		6,810		31.59	to		29.48		279,542		1.07			1.25		to	1.65			22.69		to	22.20
	12/31/2020		7,260		25.75	to		24.13		244,241		1.93			1.25		to	1.65			(5.79	)	to	(6.17	)
	12/31/2019		8,023		27.33	to		25.72		289,199		0.44			1.25		to	1.65			22.74		to	22.25

⁽¹⁾

See Footnote 1

These amounts represent the dividends, excluding distributions of capital gains, received by the subaccount from the Mutual Fund, net of management fees assessed by the fund manager, divided by the average net assets. These ratios exclude those expenses, such as mortality and expense charges, that are assessed against contract owner accounts either through reductions in the unit values or the redemption of units. The recognition of investment income by the subaccount is affected by the timing of the declaration of dividends by the Mutual Fund in which the subaccounts invest.

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)

These amounts represent the annualized contract expenses of the subaccount, consisting primarily of mortality and expense charges, for each period indicated. These ratios include only those expenses that result in a direct reduction to unit values. Charges made directly to contract owner accounts through the redemption of units and expenses of the Mutual Fund have been excluded.

***

These amounts represent the total return for the periods indicated, including changes in the value of the Mutual Fund, and expenses assessed through the reduction of unit values. These ratios do not include any expenses assessed through the redemption of units. Investment options with a date notation indicate the effective date of that investment option in the variable account. The total return is calculated for each period indicated or from the effective date through the end of the reporting period. Total returns reflect a full twelve month period and total returns for subaccounts opened during the year have not been disclosed as they may not be indicative of a full year return. Expense ratios not in effect for the full twelve months are not reflected in the total return as they may not be indicative of a full year return.

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

6. Administrative and Mortality and Expense Risk Charges

TFLIC deducts an annual charge during the accumulation phase, not to exceed $75, proportionately from the subaccounts’ unit values. An annual charge ranging from 1.25% to 1.65% is deducted (based on the death benefit selected) from the unit values of the subaccounts of the Separate Account for TFLIC’s assumption of certain mortality and expense risks incurred in connection with the contract. The charge is assessed daily based on the net asset value of the Mutual Fund. Charges for administrative and mortality and expense risk are an expense of the subaccount. Charges reflected above are those currently assessed and may be subject to change. Contract owners should see their actual policy and any related attachments to determine their specific charges.

7. Income Tax

Operations of the Separate Account form a part of TFLIC, which is taxed as a life insurance company under Subchapter L of the Internal Revenue Code of 1986, as amended (the Code). The operations of the Separate Account are accounted for separately from other operations of TFLIC for purposes of federal income taxation. The Separate Account is not separately taxable as a regulated investment company under Subchapter M of the Code and is not otherwise taxable as an entity separate from TFLIC. Under existing federal income tax laws, the income of the Separate Account is not taxable to TFLIC, as long as earnings are credited under the variable annuity contracts.

Transamerica Financial Life Insurance Company

ML of New York Variable Annuity Separate Account D

Notes to Financial Statements

December 31, 2023

8. Subsequent Events

The Separate Account has evaluated the financial statements for subsequent events through the date which the financial statements were issued. During this period, there were no subsequent events requiring recognition in the financial statements.

9. Related Parties

Transamerica Capital, Inc. (TCI), a wholesaling broker-dealer, is an affiliated entity of TFLIC and an indirect wholly owned subsidiary of Aegon N.V. TCI distributes TFLIC’s products through broker-dealers and other financial intermediaries.

The subaccounts invest in the mutual funds listed in Footnote 1. These investments include funds managed by Transamerica Asset Management, Inc. (TAM). Transamerica Fund Services, Inc. (TFS) serves as a transfer agent to TAM, and Aegon USA Asset Management Holding, LLC (AAM) serves as a sub-advisor for certain funds managed by TAM. TAM, TFS and AAM are affiliated entities of TFLIC and indirect wholly owned subsidiaries of Aegon N.V. Funds managed by TAM are identified by their fund name, which includes reference to Aegon, Transamerica or both. The Separate Account pays management fees to the related funds as detailed in the fund prospectus.

No charges other than those disclosed in Footnote 6 are deducted for the service rendered by related parties.

Contract owners may transfer funds between available subaccount options within the Separate Account. These transfers are performed at unit value at the time of the transfer.