Exhibit (d)(1)(x)

MainSTay Funds Trust

AMENDMENT TO THE AMENDED AND RESTATED MANAGEMENT AGREEMENT

This Amendment to the Amended and Restated Management Agreement is hereby made as of the 30^th day of June, 2020, between the MainStay Funds Trust, a Delaware statutory trust (the “Trust”), on behalf of its series as set forth on Schedule A (each, a “Fund,” and collectively, the “Funds”) and New York Life Investment Management LLC, a Delaware limited liability company (the “Manager”).

WHEREAS, the Trust and the Manager are parties to the Amended and Restated Management Agreement, dated February 27, 2015, as amended (the “Agreement”); and

WHEREAS, the Trust and the Manager hereby wish to amend Schedule A of the Agreement to reflect the addition of the MainStay Conservative ETF Allocation Fund, MainStay Defensive ETF Allocation Fund, MainStay Equity ETF Allocation Fund, MainStay Growth ETF Allocation Fund and MainStay Moderate ETF Allocation Fund

NOW, THEREFORE, the parties agree as follows:

(i) Schedule A is hereby amended by deleting it in its entirety and replacing it with the Schedule attached hereto.

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IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed by their duly authorized officers and attested as of the date first written above.

NEW YORK LIFE INVESTMENT MANAGEMENT LLC
Attest:	/s/ Brian J. McGrady	By:	/s/ Yie-Hsin Hung
Name:	Brian J. McGrady	Name:	Yie-Hsin Hung
Title:	Director and Associate General Counsel	Title:	Chief Executive Officer
MAINSTAY FUNDS TRUST
Attest:	/s/ Brian J. McGrady	By:	/s/ Kirk C. Lehneis
Name:	Brian J. McGrady	Name:	Kirk C. Lehneis
Title:	Assistant Secretary	Title:	President

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SCHEDULE A

(As of June 30, 2020)

For all services rendered by the Manager hereunder, each Fund of the Trust shall pay the Manager and the Manager agrees to accept as full compensation for all services rendered hereunder, an annual fee equal to the following:

FUND	ANNUAL RATE AS A PERCENTAGE OF DAILY NET ASSETS
MainStay Balanced Fund	0.70% on assets up to $1 billion; 0.65% on assets from $1 billion to $2 billion; and 0.60% on assets over $2 billion
MainStay Candriam Emerging Markets Equity Fund	1.00% on assets up to $1 billion; and 0.975% on assets over $1 billion
MainStay CBRE Global Infrastructure Fund	0.85% on all assets
MainStay CBRE Real Estate Fund	0.75% on all assets
MainStay Conservative Allocation Fund	0.00%*
MainStay Conservative ETF Allocation Fund	0.20% on all assets
MainStay Cushing MLP Premier Fund	1.10% on assets up to $3 billion; and 1.05% on assets over $3 billion
MainStay Defensive ETF Allocation Fund	0.20% on all assets
MainStay Epoch Capital Growth Fund	0.75% on all assets
MainStay Epoch Global Equity Yield Fund	0.70% on all assets
MainStay Epoch International Choice Fund	0.80% on assets up to $5 billion; 0.775% on assets from $5 billion to $7.5 billion; and 0.75% on assets over $7.5 billion
MainStay Epoch U.S. All Cap Fund	0.85% on assets up to $500 million; 0.825% on assets from $500 million to $1 billion; and 0.80% on assets over $1 billion
MainStay Epoch U.S. Equity Yield Fund	0.70% on assets up to $500 million; 0.68% on assets from $500 million to $1 billion; 0.66% on assets from $1 billion to $2 billion; and   0.65% on assets over $2 billion
MainStay Equity ETF Allocation Fund	0.20% on all assets

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FUND	ANNUAL RATE AS A PERCENTAGE OF DAILY NET ASSETS
MainStay Floating Rate Fund	0.60% on assets up to $1 billion; 0.575% on assets from $1 billion to $3 billion; and 0.565% on assets over $3 billion
MainStay Growth Allocation Fund	0.00%*
MainStay Growth ETF Allocation Fund	0.20% on all assets
MainStay MacKay California Tax Free Opportunities Fund	0.50% on assets up to $ 1 billion 0.48% on assets over $ 1 billion
MainStay MacKay Growth Fund	0.70% on assets up to $500 million; 0.65% on assets from $500 million to $1 billion; 0.625% on assets from $1 billion to $2 billion; and 0.60% on assets over $2 billion
MainStay MacKay High Yield Municipal Bond Fund	0.55% on assets up to $1 billion; 0.54% on assets from $1 billion to $3 billion; 0.53% on assets from $3 billion to $5 billion; 0.52% on assets over $5 billion to $7 billion; and 0.51% on assets over $7 billion
MainStay MacKay Intermediate Tax Free Bond Fund	0.40% on all assets
MainStay MacKay International Opportunities Fund	1.10% on all assets
MainStay MacKay New York Tax Free Opportunities Fund	0.50% on assets up to $ 1 billion 0.48% on assets over $ 1 billion
MainStay MacKay S&P 500 Index Fund	0.16% on assets up to $2.5 billion; and 0.15% on assets over $2.5 billion
MainStay MacKay Short Duration High Yield Fund	0.65% on all assets
MainStay MacKay Short Term Municipal Fund	0.35% on all assets
MainStay MacKay Small Cap Core Fund	0.80% on assets up to $1 billion; 0.775% on assets from $1 billion to $2 billion; and 0.75% on assets over $2 billion
MainStay MacKay Total Return Bond Fund	0.50% on assets up to $1 billion; 0.475% on assets from $1 billion to $3 billion; and 0.465% on assets over $3 billion
MainStay MacKay U.S. Equity Opportunities Fund	1.00% on assets up to $1 billion; and 0.975% on assets over $1 billion
MainStay Moderate Allocation Fund	0.00%*
MainStay Moderate ETF Allocation Fund	0.20% on all assets

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FUND	ANNUAL RATE AS A PERCENTAGE OF DAILY NET ASSETS
MainStay Moderate Growth Allocation Fund	0.00%*
MainStay Short Term Bond Fund	0.25% on assets up to $1 billion; and 0.20% on assets over $1 billion

* The Manager will receive no fee from the Fund, although the parties acknowledge that the Manager or its affiliates shall receive compensation from other registered investment companies, including other series of the Trust, in connection with assets of the Fund that are invested in such investment companies.

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