Common use of Class T Clause in Contracts

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%

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 Convertible Fund Class I: 1.090.61%