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 MacKay Strategic Bond Fund Class I: 0.70%

SIMPLE Class. The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares. MainStay MacKay Strategic Bond Fund Class I: 0.70%% FUND Total Annual Operating Expense Limit (as a percent of average daily net assets)