R.H. Smith Distributing

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The investment options available to you through the plan have changed? Add or remove any here and get up-to-date advice: Name Ticker Action Date   MainStay Global High Income Fund Class A MGHAX was removed by jstblush 4/12/2015 MainStay Global High Income Fund Class A MGHAX was added by jstblush 4/12/2015 MainStay Global High Income Fund Class A MGHAX was removed by jstblush 4/12/2015 MainStay Government Fund Class B MCSGX was removed by jstblush 4/12/2015 MainStay Cornerstone Growth Fund Class B KLGBX was removed by jstblush 4/12/2015 MainStay High Yield Corporate Bond Fund Class B MKHCX was removed by jstblush 4/12/2015 MainStay Money Market Fund Class B MKMXX was removed by jstblush 4/12/2015 MainStay Income Builder Fund Class B MKTRX was removed by jstblush 4/12/2015 MainStay Large Cap Growth Fund Class A MLAAX was added by jstblush 2/25/2015 Remove MainStay Moderate Growth Allocation Fund Class A MGDAX was added by jstblush 2/25/2015 Remove MainStay MAP Fund Class A MAPAX was added by jstblush 2/25/2015 Remove MainStay Moderate Allocation Fund Class A MMRAX was added by jstblush 2/25/2015 Remove MainStay Money Market Fund Class A MMAXX was added by jstblush 2/25/2015 Remove MainStay Money Market Fund Class B MKMXX was added by jstblush 2/25/2015 MainStay Epoch U.S. Small Cap Fund Class A MOPAX was added by jstblush 2/25/2015 Remove MainStay Unconstrained Bond Fund Class A MASAX was added by jstblush 2/25/2015 Remove MainStay Income Builder Fund Class B MKTRX was added by jstblush 2/25/2015 MainStay International Equity Fund Class A MSEAX was added by jstblush 2/25/2015 Remove MainStay Cornerstone Growth Fund Class B KLGBX was added by jstblush 2/25/2015 MainStay Global High Income Fund Class A MGHAX was added by jstblush 2/25/2015 MainStay Income Builder Fund Class A MTRAX was added by jstblush 2/25/2015 Remove MainStay High Yield Corporate Bond Fund Class B MKHCX was added by jstblush 2/25/2015 MainStay ICAP Select Equity Fund Class A ICSRX was added by jstblush 2/25/2015 Remove MainStay High Yield Corporate Bond Fund Class A MHCAX was added by jstblush 2/25/2015 Remove MainStay Growth Allocation Fund Class A MGXAX was added by jstblush 2/25/2015 Remove MainStay Government Fund Class B MCSGX was added by jstblush 2/25/2015 MainStay Government Fund Class A MGVAX was added by jstblush 2/25/2015 Remove US Cash / Money Market USCASH was added by jstblush 2/25/2015 Remove MainStay Balanced Fund Class A MBNAX was added by jstblush 2/25/2015 Remove MainStay Common Stock Fund Class A MSOAX was added by jstblush 2/25/2015 Remove MainStay Conservative Allocation Fund Class A MCKAX was added by jstblush 2/25/2015 Remove MainStay Convertible Fund Class A MCOAX was added by jstblush 2/25/2015 Remove MainStay Cornerstone Growth Fund Class A KLGAX was added by jstblush 2/25/2015 Remove

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