Class T Clause Samples

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

Class T. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. 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 R3: 0.85%

Class T. 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 R3: 0.85% MainStay Indexed Bond Fund Class A: 0.82% Class I: 0.40% Investor Class: 0.92% Class T: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares.

Class T. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. MainStay Epoch Global Equity Yield Fund Expense Limitation from December 31, 2017 until February 28, 2019: 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%

Class T. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. MainStay MacKay Tax Advantaged Short Term Bond Fund Expense Limitation until August 29, 2019: Class A: 0.80% Class I: 0.50% Investor Class: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares.

Class T. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. MainStay Retirement 2010 Fund Class A: 0.375% Class I: 0.125% Investor Class: 0.475% Class R1: 0.225% Class R2: 0.475% Class R3: 0.725% MainStay Retirement 2020 Fund Class A: 0.375% Class I: 0.125% Investor Class: 0.475% Class R1: 0.225% Class R2: 0.475% Class R3: 0.725% MainStay Retirement 2030 Fund Class A: 0.375% Class I: 0.125% Investor Class: 0.475% Class R1: 0.225% Class R2: 0.475% Class R3: 0.725% MainStay Retirement 2040 Fund Class A: 0.375% Class I: 0.125% Investor Class: 0.475% Class R1: 0.225% Class R2: 0.475% Class R3: 0.725% MainStay Retirement 2050 Fund Class A: 0.375% Class I: 0.125% Investor Class: 0.475% Class R1: 0.225% Class R2: 0.475% Class R3: 0.725% MainStay Retirement 2060 Fund Class A: 0.375% Class I: 0.125% Investor Class: 0.475% Class R1: 0.225% Class R2: 0.475% Class R3: 0.725%

Class T. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. MainStay Large Cap Growth Fund Class I: 0.88% 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 R3: 0.85% MainStay Moderate Growth Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55% Class R3: 0.85% MainStay Money Market Fund Class A: 0.70% Class B: 0.80% Class C: 0.80% Investor Class: 0.80% Class T: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares.

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