Common use of SIMPLE Class Clause in Contracts

SIMPLE Class. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. NYLI MacKay Utah Muni Fund Expense Limitation until February 28, 2027 Class A: 0.80% Class C: 1.10% Class I: 0.55% Class Z: 0.90% ▇▇▇▇ ▇▇▇▇▇▇ U.S. Infrastructure Bond Fund Class A: 0.85% Class C: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Class I: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Investor Class: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Class R6: 0.53% NYLI Moderate Allocation Fund Class A: 0.50% Class C: 1.30% Class I: 0.25% Investor Class: 0.55% SIMPLE Class: 0.80% NYLI Moderate ETF Allocation Fund Expense Limitation until August 31, 2026 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% NYLI Money Market Fund Class A: 0.70% Class C: 0.80% Investor Class: 0.80% SIMPLE Class: 0.80% NYLI PineStone Global Equity Fund Class A: 1.10% Class C: 2.00% Class I: 0.85% Class R6: 0.84% Class P: 0.85% NYLI PineStone International Equity Fund Expense Limitation until February 28, 2028 Class A: 1.20% Class C: 2.29% Class I: 0.85% Investor Class: 1.54% Class R6: 0.80% Class P: 0.85% NYLI PineStone U.S. Equity Fund Class A: 0.99% Class C: 1.89% Class I: 0.74% Class R6: 0.73% Class P: 0.74% NYLI Short Term Bond Fund Class A: 0.82% Class I: 0.40% Investor Class: 0.92% SIMPLE Class: 1.17%

SIMPLE Class. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. NYLI MacKay ▇▇▇▇ ▇▇▇▇▇▇ Utah Muni Fund Expense Limitation until February 28, 2027 Class A: 0.80% Class C: 1.10% Class I: 0.55% Class Z: 0.90% ▇▇▇▇ ▇▇▇▇▇▇ U.S. Infrastructure Bond Fund Class A: 0.85% Class C: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Class I: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Investor Class: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Class R6: 0.53% NYLI Moderate Allocation Fund Class A: 0.50% Class C: 1.30% Class I: 0.25% Investor Class: 0.55% SIMPLE Class: 0.80% NYLI Moderate ETF Allocation Fund Expense Limitation until August 31, 2026 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% NYLI Money Market Fund Class A: 0.70% Class C: 0.80% Investor Class: 0.80% SIMPLE Class: 0.80% NYLI PineStone Global Equity Fund Class A: 1.10% Class C: 2.00% Class I: 0.85% Class R6: 0.84% Class P: 0.85% NYLI PineStone International Equity Fund Expense Limitation until February 28, 2028 Class A: 1.20% Class C: 2.29% Class I: 0.85% Investor Class: 1.54% Class R6: 0.80% Class P: 0.85% NYLI PineStone U.S. Equity Fund Class A: 0.99% Class C: 1.89% Class I: 0.74% Class R6: 0.73% Class P: 0.74% NYLI Short Term Bond Fund Class A: 0.82% Class I: 0.40% Investor Class: 0.92% SIMPLE Class: 1.17%

SIMPLE Class. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. NYLI MacKay Utah Muni Fund Expense Limitation until February 28, 2027 Class A: 0.80% Class C: 1.10% Class I: 0.55% Class Z: 0.90% ▇▇▇▇ ▇▇▇▇▇▇ U.S. Infrastructure Bond Fund Class A: 0.85% Class C: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Class I: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Investor Class: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Class R6: 0.53% NYLI Moderate Allocation Fund Class A: 0.50% Class C: 1.30% Class I: 0.25% Investor Class: 0.55% SIMPLE Class: 0.80% NYLI Moderate ETF Allocation Fund Expense Limitation until August 31, 2026 2025 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% NYLI Money Market Fund Class A: 0.70% Class C: 0.80% Investor Class: 0.80% SIMPLE Class: 0.80% NYLI PineStone Global Equity Fund Class A: 1.10% Class C: 2.00% Class I: 0.85% Class R6: 0.84% Class P: 0.85% NYLI PineStone International Equity Fund Expense Limitation until February 28, 2028 Class A: 1.20% Class C: 2.29% Class I: 0.85% Investor Class: 1.54% Class R6: 0.80% Class P: 0.85% NYLI PineStone U.S. Equity Fund Class A: 0.99% Class C: 1.89% Class I: 0.74% Class R6: 0.73% Class P: 0.74% NYLI Short Term Bond Fund Class A: 0.82% Class I: 0.40% Investor Class: 0.92% SIMPLE Class: 1.17%

SIMPLE Class. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. NYLI MainStay MacKay Utah Muni Fund Expense Limitation until February 28, 2027 Class A: 0.80% Class C: 1.10% Class I: 0.55% Class Z: 0.90% ▇▇▇▇ ▇▇▇▇▇▇ U.S. Infrastructure Bond Fund Class A: 0.85% Class C: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Class I: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Investor Class: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Class R6: 0.53% NYLI MainStay Moderate Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55% SIMPLE Class: 0.80% NYLI MainStay Moderate ETF Allocation Fund Expense Limitation until August 31, 2026 2024 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% NYLI MainStay Money Market Fund Class A: 0.70% Class B: 0.80% Class C: 0.80% Investor Class: 0.80% SIMPLE Class: 0.80% NYLI MainStay PineStone Global Equity Fund Expense Limitation until February 28, 2026 Class A: 1.10% Class C: 2.00% Class I: 0.85% Class R6: 0.84% Class P: 0.85% NYLI MainStay PineStone International Equity Fund Expense Limitation until February 28, 2028 Class A: 1.20% Class C: 2.29% Class I: 0.85% Investor Class: 1.54% Class R6: 0.80% Class P: 0.85% NYLI MainStay PineStone U.S. Equity Fund Expense Limitation until February 28, 2026 Class A: 0.99% Class C: 1.89% Class I: 0.74% Class R6: 0.73% Class P: 0.74% NYLI MainStay Short Term Bond Fund Class A: 0.82% Class I: 0.40% Investor Class: 0.92% SIMPLE Class: 1.17%

SIMPLE Class. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. NYLI MainStay MacKay Utah Muni Fund Expense Limitation until February 28, 2027 Class A: 0.80% Class C: 1.10% Class I: 0.55% Class Z: 0.90% ▇▇▇▇ ▇▇▇▇▇▇ MainStay MacKay U.S. Infrastructure Bond Fund Class A: 0.85% Class C: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Class I: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Investor Class: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Class R6: 0.53% NYLI MainStay Moderate Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55% SIMPLE Class: 0.80% NYLI MainStay Moderate ETF Allocation Fund Expense Limitation until August 31, 2026 2024 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% NYLI MainStay Money Market Fund Class A: 0.70% Class B: 0.80% Class C: 0.80% Investor Class: 0.80% SIMPLE Class: 0.80% NYLI MainStay PineStone Global Equity Fund Expense Limitation until February 28, 2026 Class A: 1.10% Class C: 2.00% Class I: 0.85% Class R6: 0.84% Class P: 0.85% NYLI MainStay PineStone International Equity Fund Expense Limitation until February 28, 2028 Class A: 1.20% Class C: 2.29% Class I: 0.85% Investor Class: 1.54% Class R6: 0.80% Class P: 0.85% NYLI MainStay PineStone U.S. Equity Fund Expense Limitation until February 28, 2026 Class A: 0.99% Class C: 1.89% Class I: 0.74% Class R6: 0.73% Class P: 0.74% NYLI MainStay Short Term Bond Fund Class A: 0.82% Class I: 0.40% Investor Class: 0.92% SIMPLE Class: 1.17%

SIMPLE Class. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. NYLI MacKay Utah Muni Fund Expense Limitation until February 28, 2027 Class A: 0.80% Class C: 1.10% Class I: 0.55% Class Z: 0.90% ▇▇▇▇ ▇▇▇▇▇▇ U.S. Infrastructure Bond Fund Class A: 0.85% Class C: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Class I: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Investor Class: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Class R6: 0.53% NYLI Moderate Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55% SIMPLE Class: 0.80% NYLI Moderate ETF Allocation Fund Expense Limitation until August 31, 2026 2025 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% NYLI Money Market Fund Class A: 0.70% Class B: 0.80% Class C: 0.80% Investor Class: 0.80% SIMPLE Class: 0.80% NYLI PineStone Global Equity Fund Expense Limitation until February 28, 2026 Class A: 1.10% Class C: 2.00% Class I: 0.85% Class R6: 0.84% Class P: 0.85% NYLI PineStone International Equity Fund Expense Limitation until February 28, 2028 Class A: 1.20% Class C: 2.29% Class I: 0.85% Investor Class: 1.54% Class R6: 0.80% Class P: 0.85% NYLI PineStone U.S. Equity Fund Expense Limitation until February 28, 2026 Class A: 0.99% Class C: 1.89% Class I: 0.74% Class R6: 0.73% Class P: 0.74% NYLI Short Term Bond Fund Class A: 0.82% Class I: 0.40% Investor Class: 0.92% SIMPLE Class: 1.17%