Exhibit h 7 l

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 1^st day of April, 2019, 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 change the name of MainStay Epoch U.S. Small Cap Fund to MainStay MacKay Small Cap Core Fund.

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.

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

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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: April 1, 2019
(unless otherwise indicated)

The MainStay Funds

MainStay Funds Trust

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 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 MacKay Convertible Portfolio – Service Class MainStay VP MacKay Convertible Portfolio – Service 2 Class

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 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 MainStay Retirement 2010 Fund MainStay Retirement 2020 Fund MainStay Retirement 2030 Fund MainStay Retirement 2040 Fund MainStay Retirement 2050 Fund MainStay Retirement 2060 Fund MainStay U.S. Government Liquidity Fund

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