Common use of Investor Class Clause in Contracts

Investor Class. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. MainStay CBRE Global Infrastructure Fund Expense Limitation until August 31, 2024 Class A: 1.33% Class C: 2.08% Investor Class: 1.45% Class I: 0.97% Class R6: 0.95% FUND Total Annual Operating Expense Limit (as a percent of average daily net assets) MainStay CBRE Real Estate Fund Expense Limitation until August 31, 2024 Class A: 1.18% Class C: 1.93% Investor Class: 1.35% Class I: 0.83% Class R6: 0.74% MainStay Conservative 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% MainStay Conservative ETF Allocation Fund Expense Limitation until August 31, 2024 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay Epoch Capital Growth Fund Class A: 1.15% Class I: 0.90% MainStay Epoch Global Equity Yield Fund Class A: 1.09% Class C: 1.84% Class I: 0.84% Class R6: 0.74% MainStay Epoch International Choice Fund Class I: 0.95% MainStay Epoch U.S. Equity Yield Fund Class I: 0.73% MainStay Equity 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% MainStay Equity ETF Allocation Fund Expense Limitation until August 31, 2024 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% FUND Total Annual Operating Expense Limit (as a percent of average daily net assets) MainStay Fiera XXXX Growth Fund Expense Limitation until February 28, 2026 Class A: 1.15% Class C: 2.05% Class I: 0.85% Class R6: 0.84%

Investor Class. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. MainStay CBRE Global Infrastructure Fund Expense Limitation from December 18, 2019 until August 31February 28, 2024 Class 2022Class A: 1.33% Class C: 2.08% Investor Class: 1.45% Class I: 0.97% Class R6: 0.95% FUND Total Annual Operating Expense Limit (as a percent of average daily net assets) MainStay CBRE Real Estate Fund Expense Limitation from December 18, 2019 until August 31February 28, 2024 Class 2022Class A: 1.18% Class C: 1.93% Investor Class: 1.35% Class I: 0.83% Class R3: 1.43% Class R6: 0.74% FUND Total Annual Operating Expense Limit (as a percent of average daily net assets) MainStay Conservative Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55% SIMPLE ClassClass R1: 0.800.35% Class R2: 0.60% Class R3: 0.85% MainStay Conservative ETF Allocation Fund Expense Limitation from June 30, 2020 until August 31February 28, 2024 Class 2022Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE ClassMainStay Defensive ETF Allocation Fund Expense Limitation from June 30, 2020 until February 28, 2022Class A: 1.050.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% MainStay Epoch Capital Growth Fund Class A: 1.15% Class C: None Class I: 0.90% Investor Class: None MainStay Epoch Global Equity Yield Fund Class A: 1.09% Class C: 1.84% Class I: 0.84% Class R6: 0.74% MainStay Epoch International Choice Fund Class I: 0.95% MainStay Epoch U.S. Equity Yield Fund Class I: 0.73% 0.73 MainStay Equity Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55% SIMPLE ClassClass R1: 0.800.35% Class R2: 0.60% Class R3: 0.85% FUND Total Annual Operating Expense Limit (as a percent of average daily net assets) MainStay Equity ETF Allocation Fund Expense Limitation from June 30, 2020 until August 31February 28, 2024 Class 2022Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE MainStay Growth Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 1.050.55% Class R1: 0.35% Class R2: 0.60% Class R3: 0.85% MainStay Growth ETF Allocation Fund Expense Limitation from June 30, 2020 until February 28, 2022Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% MainStay Xxxxxxx Large Cap Growth Fund Class I: 0.88% MainStay MacKay California Tax Free Opportunities Fund: Class A: 0.75% 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. MainStay MacKay Convertible Fund Class I: 0.61% MainStay MacKay Growth Fund Class I: 1.09% MainStay MacKay High Yield Municipal Bond Fund Class A: 0.875% 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. FUND Total Annual Operating Expense Limit (as a percent of average daily net assets) MainStay Fiera XXXX Growth MacKay Infrastructure Bond Fund Class A: 0.85% Class B: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. 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% MainStay MacKay Intermediate Tax Free Bond Fund Expense Limitation until February 28August 31, 2026 2021:Class A: 1.150.77% Class C: 2.05% The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. Class I: 0.85% 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: 0.840.50%