Frequently Asked Questions About MainStay Mutual Funds

Investor Class, Class B and C shares:

• $2,500 for Epoch Global Choice, Epoch Global Equity Yield, Epoch International Small Cap, Epoch U.S. Equity, High Yield Municipal Bond Fund & New York Tax Free Opportunity.
• $1,000 for all other funds or $500 down and an AutoInvest of $50 per month (except Money Market which is $1,000 with or without an AutoInvest).

Class I shares: $5 million for individual investors

Additional Deposits: $50 for Class A, Investor Class, Class B and C shares

• Visit My Accounts , where you can purchase additional shares and exchange shares, obtain duplicate statements, and view transactions, 24 hours a day
• You can also call 1-800-MAINSTAY (1-800-624-6782) and get automated account information, speak to a customer service representative, and obtain fund performance data
• Go to our Fund Center and Prices and Performance pages for the latest Fund data
• Speak with your registered investment professional

These classes differ only in their sales, service and/or distribution expenses, and any other specific expenses the Board of Trustees may approve.

We provide these symbols for each share class of each MainStay Fund in our Daily Prices section.

If you are invested in MainStay Funds, you automatically have online account access at MainStayinvestments.com. To get started, all you have to do is create a User ID and Password.

Click on  (accessible from the Account Login page ) and enter the following information:

• Social Security Number or Tax Identification Number
• Account Number from your statement (for most accounts, this is an eight-digit number)
• Create a unique User ID (Between 6 and 32 alphanumeric characters)
• Create a password (Between 8 and 20 alphanumeric characters)
• Verify your password by typing it a second time

Depending on which type of statement you have received, your account number is located either in the upper right hand section of your quarterly statement or located along the right column of transaction confirmation statements.

My Accounts

Your User ID and Password will never automatically change. They will only change if you decide to change them.

From the Portfolio Login page, click on Change your User ID or Change your Password and enter the appropriate information.

If you forget either one, call our toll-free number at 800-MAINSTAY (624-6782), between 8:00 a.m. - 6:00 p.m. Eastern Time. A shareholder services representative will reset your password.

If a trade is pending approval, it will appear on the View Account History page. Once a trade has been approved (generally within one business day), it will appear as an account history item.

Effective January 1, 2012, all shares purchased in non-retirement accounts are considered ‘covered’ shares.  MainStay is required to report cost basis to the IRS on all sales of covered shares beginning in 2013; therefore it is necessary for you to select which method we should use when calculating your cost basis.  Any shares purchased before January 1, 2012 are considered ‘uncovered’ and do not require cost basis be reported to the IRS by MainStay.

Approved methods are: Average Cost, Specific Lot Identification (SLID), First In First Out (FIFO), Last In Last Out (LIFO), High Cost First Out (HIFO), Low Cost First Out (LOFO), and Loss Gain Utilization (LGUT).  MainStay’s default method is Average Cost.  For a more in-depth description about cost basis methods, please visit mainstayinvestments.com/costbasis.

From the Manage Account page, click on View Cost Basis under Account Options or call 800-MAINSTAY (624-6782). Cost basis for uncovered shares is available for most non-retirement accounts. It is not available for accounts established prior to 1987 and certain other accounts.  Shares purchased after January 1, 2012 are considered covered shares.  To find out more, please visit mainstayinvestments.com/costbasis

After logging in to your accounts, select  at the bottom of the screen.  Cost Basis can be changed for your entire portfolio, or for each individual account.

With My Accounts, you can:

• View information on all of the MainStay accounts in your portfolio-shares owned, daily NAVs, net reinvestment share amounts, cash distribution amounts-as well as the total value of your portfolio.
• Manage your account through a number of options¹, such as:
• Make a redemption
View account history Make an exchange Purchase additional shares View cost basis Order statement Order tax form Request additional money market checks

¹ Account options available depend on the Fund you are invested in and the options you have selected on your account application.

There could be a number of reasons. Account options, such as purchasing additional shares, requires you to provide bank information in advance. Also, some Funds inherently have certain features. Only MainStay Money Market Fund has a check-writing capability and, therefore, is the only Fund for which you can request a checkbook.  Finally, certain options are available on a seasonal basis. Tax forms are generally available from January 30 through November 30 of each year. If you would like to add available options to your account, please call us toll-free at 800-MAINSTAY (624-6782), from 8:00 a.m. - 6:00 p.m. Eastern Time.

Share prices (NAVs) and account balances are updated daily. Cost basis information is updated as transactions occur in your account.

You can check the total value of your account on the My Portfolio page.

You can check the total value of your portfolio on the upper right hand corner of the My Portfolio page.

To view your transactions, go to the View Account History page. Transactions will generally appear on this page the day after the trade date.

This feature is only available with money market funds. Therefore, you can order checks for MainStay Money Market Fund.

Visit our Download Literature section to download PDFs of fund materials, including fact sheets and prospectuses

Contact Us by e-mail or, if you prefer, call our toll-free number 1-800-MAINSTAY (1-800-624-6782) or send regular mail

Request Literature to be mailed to you with our convenient online entry form.

Simply call our toll-free number, 800-MAINSTAY (624-6782), from 8:00 a.m. - 6:00 p.m. Eastern Time.   Choose option #2 to speak to a customer service representative and ask to locate an agent in your neighborhood.