Exhibit h 1 a xvi

AMENDMENT

TO

AMENDED AND RESTATED
TRANSFER AGENCY AND SERVICE AGREEMENT

This Amendment to the Amended and Restated Transfer Agency and Service Agreement (“Amendment”) is effective as of the 28^the day of February, 2018, by and among The MainStay Funds, a Massachusetts business trust, and MainStay VP Funds Trust and MainStay Funds Trust, each a Delaware statutory trust (each, a “Fund” and collectively, the “Funds”) and NYLIM Service Company LLC, a Delaware limited liability company, having its principal office and place of business at 30 Hudson Street, Jersey City, New Jersey 07302 (“NSC”).

WHEREAS, the Funds and NSC are parties to an Amended and Restated Transfer Agency and Service Agreement, dated October 1, 2008, as amended (“Agreement”); and

WHEREAS, pursuant to Article 2.01 and Article 11 of the Agreement, the parties hereby wish to amend the Agreement to (i) remove the MainStay Epoch International Small Cap Fund; and (ii) change the names of the MainStay VP Convertible Portfolio and certain Funds as follows:

Fund name	New Fund name, if applicable	Date of change
MainStay California Tax Free Opportunities Fund	MainStay MacKay California Tax Free Opportunities Fund	February 28, 2018
MainStay Common Stock Fund	MainStay MacKay Common Stock Fund	February 28, 2018
MainStay Convertible Fund	MainStay MacKay Convertible Fund	February 28, 2018
MainStay Cornerstone Growth Fund	MainStay MacKay Growth Fund	February 28, 2018
MainStay DefinedTerm Municipal Opportunities Fund	MainStay MacKay DefinedTerm Municipal Opportunities Fund	February 28, 2018
MainStay Emerging Markets Debt Fund	MainStay MacKay Emerging Markets Debt Fund	February 28, 2018
MainStay Emerging Markets Equity Fund	MainStay MacKay Emerging Markets Equity Fund	February 28, 2018
MainStay Government Fund	MainStay MacKay Government Fund	February 28, 2018
MainStay High Yield Corporate Bond Fund	MainStay MacKay High Yield Corporate Bond Fund	February 28, 2018
MainStay High Yield Municipal Bond Fund	MainStay MacKay High Yield Municipal Bond Fund	February 28, 2018
MainStay International Equity Fund	MainStay MacKay Interntional Equity Fund	February 28, 2018

Fund name	New Fund name, if applicable	Date of change
MainStay International Opportunities Fund	MainStay MacKay International Opportunities Fund	February 28, 2018
MainStay New York Tax Free Opportunities Fund	MainStay MacKay New York Tax Free Opportunities Fund	February 28, 2018
MainStay S&P 500 Index Fund	MainStay MacKay S&P 500 Index Fund	February 28, 2018
MainStay Short Duration High Yield Fund	MainStay MacKay Short Duration High Yield Fund	February 28, 2018
MainStay Tax Advantaged Short Term Bond Fund	MainStay MacKay Tax Advantaged Short Term Bond Fund	February 28, 2018
MainStay Tax Free Bond Fund	MainStay MacKay Tax Free Bond Fund	February 28, 2018
MainStay Total Return Bond Fund	MainStay MacKay Total Return Bond Fund	February 28, 2018
MainStay Unconstrained Bond Fund	MainStay MacKay Unconstrained Bond Fund	February 28, 2018
MainStay U.S. Equity Opportunities Fund	MainStay MacKay U.S. Equity Opportunities Fund	February 28, 2018
MainStay VP Convertible Portfolio1	MainStay VP MacKay Convertible Portfolio	May 1, 2018

NOW, THEREFORE, in consideration of the mutual covenants contained in the Agreement and other good and valuable consideration, the receipt of which is hereby acknowledged, the parties agree as follows:

1. Schedule A of the Agreement is hereby deleted in its entirety and replaced with the Schedule A attached hereto.

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IN WITNESS HEREOF, the parties hereto have caused this Amendment to be executed by their duly authorized officers.

THE MAINSTAY FUNDS

By:        /s/ Jack R. Benintende

Name:   Jack R. Benintende

Title:     Treasurer and Principal Financial and
              Accounting Officer

MAINSTAY FUNDS TRUST

By:        /s/ Jack R. Benintende

Name:   Jack R. Benintende

Title:     Treasurer and Principal Financial and
              Accounting Officer

MAINSTAY VP FUNDS TRUST

By:        /s/ Jack R. Benintende

Name:   Jack R. Benintende

Title:     Treasurer and Principal Financial and
              Accounting Officer

NYLIM SERVICE COMPANY LLC

By:        /s/ Jack R. Benintende

Name:   Jack R. Benintende

Title:     President

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SCHEDULE A

Effective Date: February 28, 2018
(unless otherwise indicated)

The MainStay Funds MainStay Income Builder Fund MainStay Large Cap Growth Fund MainStay MacKay Common Stock Fund MainStay MacKay Convertible Fund MainStay MacKay Emerging Markets Debt Fund MainStay MacKay Government Fund MainStay MacKay High Yield Corporate Bond Fund MainStay MacKay International Equity Fund
MainStay MacKay Tax Free Bond Fund MainStay MacKay Unconstrained Bond Fund MainStay MAP Equity Fund MainStay Money Market Fund     MainStay VP Funds Trust MainStay VP MacKay Convertible Portfolio – Service Class¹ MainStay VP MacKay Convertible Portfolio – Service 2 Class^{1   1} Name change takes effect May 1, 2018.     MainStay Funds Trust MainStay Absolute Return Multi-Strategy Fund MainStay Balanced Fund MainStay Candriam Emerging Markets Equity Fund MainStay Conservative Allocation Fund MainStay Cushing MLP Premier Fund MainStay Cushing Renaissance Advantage Fund MainStay Cushing Energy Income Fund MainStay Epoch Capital Growth Fund MainStay Epoch Global Choice Fund MainStay Epoch Global Equity Yield Fund MainStay Epoch International Choice Fund MainStay Epoch U.S. All Cap Fund MainStay Epoch U.S. Equity Yield Fund MainStay Epoch U.S. Small Cap Fund MainStay Floating Rate Fund MainStay Growth Allocation Fund
MainStay Indexed Bond Fund MainStay MacKay California Tax Free Opportunities Fund
MainStay MacKay Emerging Markets Equity Fund MainStay MacKay Growth Fund MainStay MacKay High Yield Municipal Bond Fund MainStay MacKay International Opportunities Fund
MainStay MacKay New York Tax Free Opportunities Fund MainStay MacKay S&P 500 Index Fund MainStay MacKay Short Duration High Yield Fund MainStay MacKay Total Return Bond Fund MainStay MacKay Tax Advantaged Short Term Bond Fund MainStay MacKay U.S. Equity Opportunities Fund MainStay Moderate Allocation Fund MainStay Moderate Growth Allocation Fund MainStay Retirement 2010 Fund MainStay Retirement 2020 Fund MainStay Retirement 2030 Fund MainStay Retirement 2040 Fund MainStay Retirement 2050 Fund MainStay Retirement 2060 Fund  

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