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 Large Cap Growth Fund Class I: 0.88% MainStay Moderate Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55% Class R3: 0.85% MainStay Moderate Growth Allocation Fund Class A: 0.50% Class B: 1.30% Class C: 1.30% Class I: 0.25% Investor Class: 0.55% Class R3: 0.85% MainStay Money Market Fund Class A: 0.70% Class B: 0.80% Class C: 0.80% Investor Class: 0.80% Class T: The Manager will apply an equivalent waiver or reimbursement, in an equal number of basis points waived for Class A Shares.