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 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 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%% FUND Total Annual Operating Expense Limit (as a percent of average daily net assets)