0001469192-26-000109 Sample Contracts

AMENDED AND RESTATED EXPENSE LIMITATION AGREEMENT
Expense Limitation Agreement • August 24th, 2026 • New York Life Investments Funds Trust

made as of August 28, 2026, between NYLIM Funds and NYLIM Funds Trust (each a “Trust” and collectively, the “Trusts”), on behalf of each series of the Trusts as set forth on Schedule A (each a “Fund” and collectively, “Funds”), and New York Life Investment Management LLC (the “Manager”) (“Agreement”).

NEW YORK LIFE INVESTMENTS FUNDS NEW YORK LIFE INVESTMENTS FUNDS TRUST NYLIM VP FUNDS TRUST (each a “Registrant” and collectively, the “Registrants”) AMENDMENT TO THE SUBADVISORY AGREEMENT
Subadvisory Agreement • August 24th, 2026 • New York Life Investments Funds Trust

This Amendment to the Subadvisory Agreement, is made as of the 1st day of May, 2026, between New York Life Investment Management LLC, a Delaware limited liability company (the “Manager”) and Epoch Investment Partners, Inc., a Delaware corporation (the “Subadvisor”).

NEW YORK LIFE INVESTMENTS FUNDS NEW YORK LIFE INVESTMENTS FUNDS TRUST NYLIM VP FUNDS TRUST (each a “Registrant” and collectively, the “Registrants”) AMENDMENT TO AMENDED AND RESTATED SUBADVISORY AGREEMENT
Subadvisory Agreement • August 24th, 2026 • New York Life Investments Funds Trust

This Amendment to the Amended and Restated Subadvisory Agreement, is made as of the 1st day of May, 2026 between New York Life Investment Management LLC, a Delaware limited liability company (the “Manager”) and MacKay Shields LLC, a Delaware limited liability company (the “Subadvisor”).

TRANSFER AGENCY AND SERVICE AGREEMENT
Transfer Agency and Service Agreement • August 24th, 2026 • New York Life Investments Funds Trust

This Amendment to the Amended and Restated Transfer Agency and Service Agreement (“Amendment”) is effective as of the 1st day of July, 2026, by and among New York Life Investments Funds, a Massachusetts business trust, and NYLIM VP Funds Trust and New York Life Investments Funds Trust, each a Delaware statutory trust (each, a “Fund” and collectively, the “Funds”), and NYLIM Service Company LLC (“NSC”), a Delaware limited liability company, having its principal office and place of business at 30 Hudson Street, Jersey City, New Jersey 07302.

NEW YORK LIFE INVESTMENTS FUNDS TRUST SUBADVISORY AGREEMENT
Subadvisory Agreement • August 24th, 2026 • New York Life Investments Funds Trust

This Subadvisory Agreement, made as of the 10th day of July, 2026 (the “Agreement”), between New York Life Investment Management LLC, a Delaware limited liability company (the “Manager”) and Cushing Asset Management LP d/b/a NXG Investment Management, a Texas limited partnership (the “Subadvisor”).