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. MainStay CBRE Global Infrastructure Fund Expense Limitation from December 18, 2019 until February 28, 2022Class A: 1.33%Class C: 2.08%Investor Class: 1.45%Class I: 0.97%Class R6: 0.95%SIMPLE Class: 1.70% MainStay CBRE Real Estate Fund Expense Limitation from December 18, 2019 until February 28, 2022Class A: 1.18%Class C: 1.93%Investor Class: 1.35%Class I: 0.83%Class R3: 1.43%Class R6: 0.74%SIMPLE Class: 1.60% MainStay Conservative Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE Class: 0.80% MainStay Conservative 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% SIMPLE Class: 1.05% MainStay Defensive 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% SIMPLE Class: 1.05% 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% MainStay Equity Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE Class: 0.80% MainStay Equity 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% SIMPLE Class: 1.05%

SIMPLE 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 February 28August 31, 2022Class A: 1.33%Class C: 2.08%Investor Class: 1.45%Class I: 0.97%Class R6: 0.95%SIMPLE Class: 1.70% MainStay CBRE Real Estate Fund Expense Limitation from December 18, 2019 until February 28August 31, 2022Class A: 1.18%Class C: 1.93%Investor Class: 1.35%Class I: 0.83%Class R3: 1.43%Class R6: 0.74%SIMPLE Class: 1.60% MainStay Conservative Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE Class: 0.80% MainStay Conservative ETF Allocation Fund Expense Limitation from June 30, 2020 until February 28August 31, 2022Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay Defensive ETF Allocation Fund Expense Limitation from June 30, 2020 until February 28August 31, 2022Class 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 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% MainStay Equity Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE Class: 0.80% MainStay Equity ETF Allocation Fund Expense Limitation from June 30, 2020 until February 28August 31, 2022Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay ESG Multi-Asset Allocation Fund Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05%

SIMPLE 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 February 28August 31, 2022Class A: 1.33%Class C: 2.08%Investor Class: 1.45%Class I: 0.97%Class R6: 0.95%SIMPLE Class: 1.70% MainStay CBRE Real Estate Fund Expense Limitation from December 18, 2019 until February 28August 31, 2022Class A: 1.18%Class C: 1.93%Investor Class: 1.35%Class I: 0.83%Class R3: 1.43%Class R6: 0.74%SIMPLE Class: 1.60% MainStay Conservative Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE Class: 0.80% MainStay Conservative ETF Allocation Fund Expense Limitation from June 30, 2020 until February 28August 31, 2022Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay Defensive ETF Allocation Fund Expense Limitation from June 30, 2020 until February 28August 31, 2022Class 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 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% MainStay Equity Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE Class: 0.80% MainStay Equity ETF Allocation Fund Expense Limitation from June 30, 2020 until February 28August 31, 2022Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay ESG Multi-Asset Allocation Fund Expense Limitation until February 28, 2023Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05%

SIMPLE 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 February 28, 2022Class A: 1.33%Class 1.33% Class C: 2.08%Investor 2.08% Investor Class: 1.45%Class 1.45% Class I: 0.97%Class 0.97% Class R6: 0.95%SIMPLE 0.95% SIMPLE Class: 1.70% MainStay CBRE Real Estate Fund Expense Limitation from December 18, 2019 until February 28, 2022Class A: 1.18%Class 1.18% Class C: 1.93%Investor 1.93% Investor Class: 1.35%Class 1.35% Class I: 0.83%Class 0.83% Class R3: 1.43%Class 1.43% Class R6: 0.74%SIMPLE 0.74% SIMPLE Class: 1.60% MainStay Conservative Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class 0.55% Class R1: 0.35%Class 0.35% Class R2: 0.60%Class 0.60% Class R3: 0.85%SIMPLE 0.85% SIMPLE Class: 0.80% MainStay Conservative 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% SIMPLE Class: 1.05% MainStay Defensive 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% SIMPLE Class: 1.05% 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% MainStay Equity Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class 0.55% Class R1: 0.35%Class 0.35% Class R2: 0.60%Class 0.60% Class R3: 0.85%SIMPLE 0.85% SIMPLE Class: 0.80% MainStay Equity 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% SIMPLE Class: 1.05% MainStay Growth Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55% Class R1: 0.35% Class R2: 0.60% Class R3: 0.85% SIMPLE Class: 0.80% 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% SIMPLE Class: 1.05% MainStay Xxxxxxx Large Cap Growth Fund Class I: 0.88%

SIMPLE 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 18until August 31, 2019 until February 28, 2022Class 2024 Class A: 1.33%Class 1.33% Class C: 2.08%Investor 2.08% Investor Class: 1.45%Class 1.45% Class I: 0.97%Class 0.97% Class R6: 0.95%SIMPLE Class: 1.700.95% MainStay CBRE Real Estate Fund Expense Limitation from December 18until August 31, 2019 until February 28, 2022Class 2024 Class A: 1.18%Class 1.18% Class C: 1.93%Investor 1.93% Investor Class: 1.35%Class 1.35% Class I: 0.83%Class 0.83% Class R3: 1.43%Class 1.43% Class R6: 0.74%SIMPLE Class: 1.600.74% MainStay Conservative Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class 0.55% Class R2: 0.60%Class 0.60% Class R3: 0.85%SIMPLE 0.85% SIMPLE Class: 0.80% MainStay Conservative ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 2024 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay Defensive ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 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 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% MainStay Equity Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class 0.55% Class R3: 0.85%SIMPLE 0.85% SIMPLE Class: 0.80% MainStay Equity ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 2024 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay ESG Multi- Asset 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 Fiera XXXX Growth Fund Expense Limitation from May 30, 2023 until February 28, 2026 Class A: 1.15% Class C: 2.05% Class I: 0.85% Class R6: 0.84%

SIMPLE 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 February 28, 2022Class A: 1.33%Class C: 2.08%Investor Class: 1.45%Class I: 0.97%Class R6: 0.95%SIMPLE Class: 1.70% MainStay CBRE Real Estate Fund Expense Limitation from December 18, 2019 until February 28, 2022Class A: 1.18%Class C: 1.93%Investor Class: 1.35%Class I: 0.83%Class R3: 1.43%Class R6: 0.74%SIMPLE Class: 1.60% MainStay Conservative Moderate Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class 0.55% Class R1: 0.35%Class 0.35% Class R2: 0.60%Class 0.60% Class R3: 0.85%SIMPLE 0.85% SIMPLE Class: 0.80% MainStay Conservative Moderate ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 2024 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay Defensive ETF Allocation Money Market Fund Expense Limitation from June 30, 2020 until February 28, 2022Class Class A: 0.70% Class B: 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 C: None Class I: 0.900.80% Investor Class: None MainStay Epoch Global Equity Yield Fund Class A: 1.090.80% 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%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE SIMPLE Class: 0.80% MainStay PineStone Global Equity ETF Allocation Fund Expense Limitation from June 30July 24, 2020 2023 until February 28, 2022Class 2026 Class A: 1.10% Class C: 2.00% Class I: 0.85% Class R6: 0.84% Class P: 0.85% MainStay PineStone International Equity Fund Expense Limitation from July 24, 2023 until February 28, 2028 Class A: 1.20% Investor Class: 1.54% Class C: 2.29% Class I: 0.85% Class R1: 1.05% Class R2: 1.30% Class R3: 1.55% Class R6: 0.80% Class P: 0.85% MainStay PineStone U.S. Equity Fund Expense Limitation from July 24, 2023 until February 28, 2026 Class A: 0.99% Class C: 1.551.89% Class I: 0.550.74% Class R3R6: 1.150.73% Class P: 0.74% MainStay Short Term Bond Fund Class A: 0.82% Class I: 0.40% Investor Class: 0.92% SIMPLE Class: 1.051.17%

SIMPLE 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 February 28August 31, 2022Class A: 1.33%Class C: 2.08%Investor Class: 1.45%Class I: 0.97%Class R6: 0.95%SIMPLE Class: 1.70% MainStay CBRE Real Estate Fund Expense Limitation from December 18, 2019 until February 28August 31, 2022Class A: 1.18%Class C: 1.93%Investor Class: 1.35%Class I: 0.83%Class R3: 1.43%Class R6: 0.74%SIMPLE Class: 1.60% MainStay Conservative Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE Class: 0.80% MainStay Conservative ETF Allocation Fund Expense Limitation from June 30, 2020 until February 28August 31, 2022Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay Defensive ETF Allocation Fund Expense Limitation from June 30, 2020 until February 28August 31, 2022Class 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 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% MainStay Equity Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE Class: 0.80% MainStay Equity ETF Allocation Fund Expense Limitation from June 30, 2020 until February 28August 31, 2022Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05%

SIMPLE 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 18until August 31, 2019 until February 28, 2022Class 2023Class A: 1.33%Class C: 2.08%Investor Class: 1.45%Class I: 0.97%Class R6: 0.95%SIMPLE Class: 1.70% MainStay CBRE Real Estate Fund Expense Limitation from December 18until August 31, 2019 until February 28, 2022Class 2023Class A: 1.18%Class C: 1.93%Investor Class: 1.35%Class I: 0.83%Class R3: 1.43%Class R6: 0.74%SIMPLE Class: 1.60% MainStay Conservative Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE Class: 0.80% MainStay Conservative ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 2023Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay Defensive ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 2023Class 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 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% MainStay Equity Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE Class: 0.80% MainStay Equity ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 2023Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay ESG Multi-Asset Allocation Fund Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05%

SIMPLE 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 18until August 31, 2019 until February 28, 2022Class 2023Class A: 1.33%Class C: 2.08%Investor Class: 1.45%Class I: 0.97%Class R6: 0.95%SIMPLE Class: 1.70% MainStay CBRE Real Estate Fund Expense Limitation from December 18until August 31, 2019 until February 28, 2022Class 2023Class A: 1.18%Class C: 1.93%Investor Class: 1.35%Class I: 0.83%Class R3: 1.43%Class R6: 0.74%SIMPLE Class: 1.60% MainStay Conservative Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE Class: 0.80% MainStay Conservative ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 2023Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay Defensive ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 2023Class 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 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% MainStay Equity Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE Class: 0.80% MainStay Equity ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 2023Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay ESG Multi-Asset Allocation Fund Expense Limitation until February 28August 31, 2022Class 2023Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05%

SIMPLE 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 18until August 31, 2019 until February 28, 2022Class 2023Class A: 1.33%Class C: 2.08%Investor Class: 1.45%Class I: 0.97%Class R6: 0.95%SIMPLE Class: 1.70% MainStay CBRE Real Estate Fund Expense Limitation from December 18until August 31, 2019 until February 28, 2022Class 2023Class A: 1.18%Class C: 1.93%Investor Class: 1.35%Class I: 0.83%Class R3: 1.43%Class R6: 0.74%SIMPLE Class: 1.60% MainStay Conservative Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE Class: 0.80% MainStay Conservative ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 2023Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay Defensive ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 2023Class 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 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% MainStay Equity Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE Class: 0.80% MainStay Equity ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 2023Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay ESG Multi-Asset Allocation Fund Expense Limitation until February 28August 31, 2022Class 2023Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05%

SIMPLE 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 18until August 31, 2019 until February 28, 2022Class 2023 Class A: 1.33%Class 1.33% Class C: 2.08%Investor 2.08% Investor Class: 1.45%Class 1.45% Class I: 0.97%Class 0.97% Class R6: 0.95%SIMPLE 0.95% SIMPLE Class: 1.70% MainStay CBRE Real Estate Fund Expense Limitation from December 18until August 31, 2019 until February 28, 2022Class 2023 Class A: 1.18%Class 1.18% Class C: 1.93%Investor 1.93% Investor Class: 1.35%Class 1.35% Class I: 0.83%Class 0.83% Class R3: 1.43%Class 1.43% Class R6: 0.74%SIMPLE 0.74% SIMPLE Class: 1.60% MainStay Conservative Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class 0.55% Class R2: 0.60%Class 0.60% Class R3: 0.85%SIMPLE 0.85% SIMPLE Class: 0.80% MainStay Conservative ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 2023 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay Defensive ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 2023 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 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% MainStay Equity Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class R1: 0.35%Class R2: 0.60%Class 0.55% Class R3: 0.85%SIMPLE 0.85% SIMPLE Class: 0.80% MainStay Equity ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 2023 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay ESG Multi- Asset Allocation Fund Expense Limitation until August 31, 2023 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay Fiera XXXX Growth Fund Expense Limitation from May 30, 2023 until February 28, 2026 Class A: 1.15% Class C: 2.05% Class I: 0.85% Class R6: 0.84%

SIMPLE 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 February 28, 2022Class A: 1.33%Class C: 2.08%Investor Class: 1.45%Class I: 0.97%Class R6: 0.95%SIMPLE Class: 1.70% MainStay CBRE Real Estate Fund Expense Limitation from December 18, 2019 until February 28, 2022Class A: 1.18%Class C: 1.93%Investor Class: 1.35%Class I: 0.83%Class R3: 1.43%Class R6: 0.74%SIMPLE Class: 1.60% MainStay Conservative Moderate Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55%Class 0.55% Class R1: 0.35%Class 0.35% Class R2: 0.60%Class 0.60% Class R3: 0.85%SIMPLE 0.85% SIMPLE Class: 0.80% MainStay Conservative Moderate ETF Allocation Fund Expense Limitation from June 30until August 31, 2020 until February 28, 2022Class 2023 Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay Defensive ETF Allocation Money Market Fund Expense Limitation from June 30, 2020 until February 28, 2022Class Class A: 0.70% Class B: 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 C: None Class I: 0.900.80% Investor Class: None MainStay Epoch Global Equity Yield Fund Class A: 1.090.80% 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%Class R1: 0.35%Class R2: 0.60%Class R3: 0.85%SIMPLE SIMPLE Class: 0.80% MainStay PineStone Global Equity ETF Allocation Fund Expense Limitation from June 30July 24, 2020 2023 until February 28, 2022Class 2026 Class A: 1.10% Class C: 2.00% Class I: 0.85% Class R6: 0.84% Class P: 0.85% MainStay PineStone International Equity Fund Expense Limitation from July 24, 2023 until February 28, 2028 Class A: 1.20% Investor Class: 1.54% Class C: 2.29% Class I: 0.85% Class R1: 1.05% Class R2: 1.30% Class R3: 1.55% Class R6: 0.80% Class P: 0.85% MainStay PineStone U.S. Equity Fund Expense Limitation from July 24, 2023 until February 28, 2026 Class A: 0.99% Class C: 1.551.89% Class I: 0.550.74% Class R3R6: 1.150.73% Class P: 0.74% MainStay Short Term Bond Fund Class A: 0.82% Class I: 0.40% Investor Class: 0.92% SIMPLE Class: 1.051.17%