Exhibit d 2 d

THE MAINSTAY FUNDS

MAINSTAY FUNDS TRUST

MAINSTAY VP FUNDS TRUST

AMENDMENT TO THE SUBADVISORY AGREEMENT 

This Amendment to the Subadvisory Agreement, is made as of the 1^st day of May, 2019, between New York Life Investment Management LLC, a Delaware limited liability company (the “Manager”) and Epoch Investment Partners, Inc., a Delaware corporation (the “Subadvisor”).

WHEREAS, the Manager and the Subadvisor are parties to the Subadvisory Agreement, dated March 27, 2013, as amended (“Agreement”); and

WHEREAS, the parties hereby wish to amend the Subadvisory Agreement to reflect the removal of MainStay VP Epoch U.S. Small Cap Portfolio.

NOW, THEREFORE, the parties agree as follows:

(i) Effective May 1, 2019, 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 have caused this Amendment to be executed by their duly authorized officers and attested effective as of the date first written above.

NEW YORK LIFE INVESTMENT MANAGEMENT LLC

Attest:	/s/ Y. Rachel Kuo	By:	/s/ Yie-Hsin Hung
Name:	Y. Rachel Kuo	Name:	Yie-Hsin Hung
Title:	Director and Associate	Title:	Chief Executive Officer
	General Counsel

EPOCH INVESTMENT PARTNERS, INC. 

Attest:	/s/ Chamila Blanco	By:	/s/ David A. Barnett
Name:	Chamila Blanco	Name:	David A. Barnett
Title:	Senior Associate	Title:	Managing Attorney

2

SCHEDULE A

(Revised as of May 1, 2019)

As compensation for services provided by Subadvisor, the Manager will pay the Subadvisor and Subadvisor agrees to accept as full compensation for all services rendered hereunder, at an annual subadvisory fee equal to the following:

SERIES	Annual Rate
MainStay Epoch Capital Growth Fund1	0.375% on all assets
MainStay Epoch Global Equity Yield Fund	0.35% on all assets
MainStay Epoch International Choice Fund1	0.40% on assets up to $5 billion; 0.3875% on assets from $5 billion to $7.5 billion; and 0.375% on assets in excess of $7.5 billion
MainStay Epoch U.S. All Cap Fund2	0.425% on assets up to $500 million; 0.4125% on assets from $500 million to $1 billion; and 0.40% on assets in excess of $1 billion
MainStay Epoch U.S. Equity Yield Fund1	0.35% on assets up to $500 million; 0.34% on assets from $500 million to $1 billion; 0.33% on assets from $1 billion to $2 billion; and 0.325% on assets in excess of $2 billion
MainStay Income Builder Fund2, 3 (portfolio sleeve)	50% of the effective gross management fee
MainStay MAP Equity Fund1 (portfolio sleeve)	0.425% on assets up to $500 million; 0.4125% on assets from $500 million to $1 billion; and 0.40% on assets in excess of $1 billion
MainStay VP Epoch U.S. Equity Yield Portfolio1	0.35% on assets up to $500 million; 0.34% on assets from $500 million to $1 billion; 0.33% on assets from $1 billion to $2 billion; and 0.325% on assets in excess of $2 billion
MainStay VP Income Builder Portfolio2, 4 (portfolio sleeve)	50% of the effective gross management fee

The fee based upon the average daily net assets of the respective Series, unless otherwise noted, shall be accrued daily at the rate of 1/(number of days in calendar year) of the annual rate applied to the daily net assets of the Series.

Payment will be made to the Subadvisor on a monthly basis.

¹ With respect to the MainStay Epoch Capital Growth Fund, MainStay Epoch International Choice Fund, MainStay Epoch U.S. Equity Yield Fund, MainStay MAP Equity Fund, and MainStay VP Epoch U.S. Equity Yield Portfolio, the Manager and Subadvisor will share equally in management fee waivers and expense limitation reimbursements. The Subadvisor will not share in any reimbursements above the current subadvisory fee.

² Effective three years after June 29, 2009, the Subadvisor will equally share in any modifications to the management fee or management fee breakpoints for the Series that are implemented subsequent to the date of this Agreement.

³ Based on the percentage of the Subadvisor’s Allocated Assets constituting the Series’ average daily net assets. For reference, the management fee schedule for MainStay Income Builder Fund is 0.64% on assets up to $500 million; 0.60% on assets between $500 million and $1 billion; and 0.575% on assets over $1 billion.

⁴ Based on the percentage of the Subadvisor’s Allocated Assets constituting the Series’ average daily net assets. For reference, the management fee schedule for MainStay VP Income Builder Portfolio is 0.57% on assets up to $1 billion and 0.55% on assets over $1 billion.