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 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 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 from June 30, 2020 until August 31February 28, 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 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 Moderate ETF Allocation Fund Expense Limitation until August 31, 2022Class 2023 Class 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 0.80% SIMPLE Class: 0.80% MainStay Short Term Bond Fund Class A: 0.82%Class 0.82% Class I: 0.40% Investor Class: 0.92%SIMPLE 0.92% SIMPLE Class: 1.17% MainStay ▇W▇▇▇▇▇▇ Large Cap Growth Fund Class I: 0.88% MainStay WMC Growth Fund Expense Limitation until February 28, 2023:Class I: 0.75%