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 Short Duration High Yield Fund Class A: 1.02%Class C: 1.88%. Class I: 0.78% Investor Class: 1.13%. Class R2: 1.13%Class R3: 1.38%SIMPLE Class: 1.38%

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 Short Duration High Yield Fund Class A: 1.02%Class 1.02% Class C: 1.88%. Class I: 0.78% Investor Class: 1.13%. Class R2: 1.13%Class 1.13% Class R3: 1.38%SIMPLE 1.38% SIMPLE Class: 1.38%