Exhibit g 1 x

MAINSTAY GROUP OF FUNDS

June 5, 2019

State Street Bank and Trust Company

1 Iron Street

Boston, MA 02210

Attention: MainStay Group of Funds Client Manager

Re: Amended and Restated Master Custodian Agreement (the “Agreement”)

Ladies and Gentlemen:

Please be advised of the following changes to the MainStay Group of Funds. These changes are reflected in the attached revised Appendix A to the Agreement.

Type of change	Fund name	New Fund name, if applicable	Date of change
Fund Merged	MainStay Retirement 2010 Fund	merged with and into MainStay Conservative Allocation Fund (existing)	June 14, 2019
Fund Merged	MainStay Retirement 2020 Fund	merged with and into MainStay Conservative Allocation Fund (existing)	June 14, 2019
Fund Merged	MainStay Retirement 2030 Fund	merged with and into MainStay Moderate Allocation Fund (existing)	June 14, 2019
Fund Merged	MainStay Retirement 2040 Fund	merged with and into MainStay Moderate Growth Allocation Fund (existing)	June 14, 2019
Fund Merged	MainStay Retirement 2050 Fund	merged with and into MainStay Moderate Growth Allocation Fund (existing)	June 14, 2019
Fund Merged	MainStay Retirement 2060 Fund	merged with and into MainStay Growth Allocation Fund (existing)	June 14, 2019
Name Change	MainStay MacKay Emerging Markets Debt Fund	MainStay Candriam Emerging Markets Debt Fund	June 21, 2019

Please indicate your acceptance of the foregoing by executing two copies of this letter agreement, returning one to the MainStay Funds and retaining one for your records.

Sincerely,
THE MainStay Funds
MAINSTAY FUNDS Trust
By:	/s/ Kirk C. Lehneis
Name:	Kirk C. Lehneis
Title:	President, Duly Authorized

Agreed and Accepted:
STATE STREET BANK AND TRUST COMPANY
By:	/s/ Andrew Erickson
Name:	Andrew Erickson
Title:	Executive Vice President, Duly Authorized
Effective Date:  June 14, 2019

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Appendix A

to the

Amended and Restated Master Custodian Agreement

(as of June 14, 2019, unless otherwise noted)

	Fund / Portfolio
MainStay MacKay DefinedTerm Municipal Opportunities Fund
The MainStay Funds	MainStay Candriam Emerging Markets Debt Fund (as of June 21, 2019) (formerly MainStay MacKay Emerging Markets Debt Fund) MainStay Income Builder Fund MainStay Large Cap Growth Fund MainStay MacKay Common Stock Fund MainStay MacKay Convertible Fund MainStay MacKay High Yield Corporate Bond Fund MainStay MacKay Infrastructure 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 Balanced Portfolio MainStay VP Bond Portfolio MainStay VP Conservative Allocation Portfolio MainStay VP Cushing Renaissance Advantage Portfolio MainStay VP Eagle Small Cap Growth Portfolio MainStay VP Emerging Markets Equity Portfolio MainStay VP Epoch U.S. Equity Yield Portfolio MainStay VP Fidelity Institutional AM® Utilities Portfolio MainStay VP Floating Rate Portfolio MainStay VP Growth Allocation Portfolio MainStay VP Income Builder Portfolio MainStay VP Indexed Bond Portfolio MainStay VP IQ Hedge Multi-Strategy Portfolio MainStay VP Janus Henderson Balanced Portfolio MainStay VP Large Cap Growth Portfolio MainStay VP MacKay Common Stock Portfolio MainStay VP MacKay Convertible Portfolio MainStay VP MacKay Government Portfolio MainStay VP MacKay Growth Portfolio MainStay VP MacKay High Yield Corporate Bond Portfolio MainStay VP MacKay International Equity Portfolio MainStay VP MacKay Mid Cap Core Portfolio MainStay VP MacKay S&P 500 Index Portfolio MainStay VP MacKay Small Cap Core Portfolio MainStay VP MacKay Unconstrained Bond Portfolio MainStay VP Mellon Natural Resources Portfolio MainStay VP Moderate Allocation Portfolio MainStay VP Moderate Growth Allocation Portfolio

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	Fund / Portfolio
	MainStay VP PIMCO Real Return Portfolio MainStay VP T. Rowe Price Equity Income Portfolio MainStay VP U.S. Government Money Market Portfolio
MainStay Funds Trust	MainStay Balanced Fund MainStay Candriam Emerging Markets Equity Fund MainStay Conservative Allocation Fund MainStay Epoch Capital Growth 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 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 Short Term Municipal Fund MainStay MacKay Small Cap Core Fund MainStay MacKay Total Return Bond Fund MainStay MacKay U.S. Equity Opportunities Fund MainStay Moderate Allocation Fund MainStay Moderate Growth Allocation Fund

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