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 Tax Advantaged Short Term Bond Fund Expense Limitation until August 29, 2019: Class A: 0.80% Class I: 0.50% Investor Class: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares.

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 Tax Advantaged Short Term Bond Fund Expense Limitation until August 29, 20192018: Class A: 0.80% Class I: 0.50% Investor Class: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares.