Class R3 Clause Samples

Class R3. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class R6 Shares. Class R6: 0.83%
Class R3. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class R6 Shares. Class R6: 0.83% MainStay MacKay International Opportunities Fund Class A: 1.85% 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. MainStay MacKay New York Tax Free Opportunities Fund Class A: 0.75% 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 S&P 500 Index Fund Class A: 0.60% 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 R3. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class R6 Shares. Class R6: 0.83% MainStay MacKay International Opportunities Fund Class A: 1.85% 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.