SIMPLE Class Clause Samples

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 MacKay Convertible Fund Class I: 0.61%

SIMPLE Class. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. 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 until August 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 R6 Shares.

SIMPLE Class. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. MainStay Moderate 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 Moderate ETF Allocation Fund Expense Limitation until August 31, 2022Class A: 0.80% Class C: 1.55% Class I: 0.55% Class R3: 1.15% SIMPLE Class: 1.05% MainStay Money Market Fund Class A: 0.70% Class B: 0.80% Class C: 0.80% Investor Class: 0.80%SIMPLE Class: 0.80% MainStay Short Term Bond Fund Class A: 0.82%Class I: 0.40% Investor Class: 0.92%SIMPLE Class: 1.17% MainStay ▇▇▇▇▇▇▇ Large Cap Growth Fund Class I: 0.88% MainStay WMC Growth Fund Expense Limitation until February 28, 2023:Class I: 0.75%

SIMPLE Class. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. MainStay MacKay Strategic Bond Fund Class I: 0.70%

SIMPLE Class. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. MainStay MacKay Short Duration High Yield Fund Class A: 1.02%Class C: 1.88%. Class I: 0.78% Investor Class: 1.13%. Class R2: 1.13%Class R3: 1.38%SIMPLE Class: 1.38%

SIMPLE Class. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. MainStay MacKay Strategic Bond Fund Expense Limitation from July 1, 2021 until February 28, 2023Class I: 0.70%

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%