<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns="http://www.sec.gov/edgar/ncen" xmlns:com="http://www.sec.gov/edgar/common">
  <schemaVersion>X0404</schemaVersion>
  <headerData>
    <submissionType>N-CEN</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <filer>
        <issuerCredentials>
          <cik>0001469192</cik>
          <ccc>XXXXXXXX</ccc>
        </issuerCredentials>
        <fileNumber>811-22321</fileNumber>
      </filer>
      <flags>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
        <confirmingCopyFlag>false</confirmingCopyFlag>
      </flags>
      <investmentCompanyType>N-1A</investmentCompanyType>
    </filerInfo>
    <seriesClass>
      <reportSeriesClass>
        <rptSeriesClassInfo>
          <seriesId>S000059215</seriesId>
          <classInfo>
            <classId>C000194051</classId>
          </classInfo>
          <classInfo>
            <classId>C000194055</classId>
          </classInfo>
          <classInfo>
            <classId>C000194050</classId>
          </classInfo>
          <classInfo>
            <classId>C000194053</classId>
          </classInfo>
          <classInfo>
            <classId>C000194052</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000039358</seriesId>
          <classInfo>
            <classId>C000185948</classId>
          </classInfo>
          <classInfo>
            <classId>C000121297</classId>
          </classInfo>
          <classInfo>
            <classId>C000121293</classId>
          </classInfo>
          <classInfo>
            <classId>C000121296</classId>
          </classInfo>
          <classInfo>
            <classId>C000121295</classId>
          </classInfo>
          <classInfo>
            <classId>C000121298</classId>
          </classInfo>
          <classInfo>
            <classId>C000121294</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000039903</seriesId>
          <classInfo>
            <classId>C000123764</classId>
          </classInfo>
          <classInfo>
            <classId>C000185950</classId>
          </classInfo>
          <classInfo>
            <classId>C000123765</classId>
          </classInfo>
          <classInfo>
            <classId>C000123763</classId>
          </classInfo>
          <classInfo>
            <classId>C000123766</classId>
          </classInfo>
          <classInfo>
            <classId>C000221676</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000028535</seriesId>
          <classInfo>
            <classId>C000166843</classId>
          </classInfo>
          <classInfo>
            <classId>C000087369</classId>
          </classInfo>
          <classInfo>
            <classId>C000087365</classId>
          </classInfo>
          <classInfo>
            <classId>C000221664</classId>
          </classInfo>
          <classInfo>
            <classId>C000087366</classId>
          </classInfo>
          <classInfo>
            <classId>C000087368</classId>
          </classInfo>
          <classInfo>
            <classId>C000087367</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000028537</seriesId>
          <classInfo>
            <classId>C000221666</classId>
          </classInfo>
          <classInfo>
            <classId>C000116271</classId>
          </classInfo>
          <classInfo>
            <classId>C000087374</classId>
          </classInfo>
          <classInfo>
            <classId>C000116270</classId>
          </classInfo>
          <classInfo>
            <classId>C000087377</classId>
          </classInfo>
          <classInfo>
            <classId>C000087376</classId>
          </classInfo>
          <classInfo>
            <classId>C000127150</classId>
          </classInfo>
          <classInfo>
            <classId>C000087375</classId>
          </classInfo>
          <classInfo>
            <classId>C000087373</classId>
          </classInfo>
          <classInfo>
            <classId>C000166844</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000028523</seriesId>
          <classInfo>
            <classId>C000087302</classId>
          </classInfo>
          <classInfo>
            <classId>C000087305</classId>
          </classInfo>
          <classInfo>
            <classId>C000087303</classId>
          </classInfo>
          <classInfo>
            <classId>C000185922</classId>
          </classInfo>
          <classInfo>
            <classId>C000087306</classId>
          </classInfo>
          <classInfo>
            <classId>C000087304</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000054257</seriesId>
          <classInfo>
            <classId>C000170407</classId>
          </classInfo>
          <classInfo>
            <classId>C000170409</classId>
          </classInfo>
          <classInfo>
            <classId>C000170408</classId>
          </classInfo>
          <classInfo>
            <classId>C000170410</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000028227</seriesId>
          <classInfo>
            <classId>C000086338</classId>
          </classInfo>
          <classInfo>
            <classId>C000086337</classId>
          </classInfo>
          <classInfo>
            <classId>C000185918</classId>
          </classInfo>
          <classInfo>
            <classId>C000086336</classId>
          </classInfo>
          <classInfo>
            <classId>C000086335</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000028533</seriesId>
          <classInfo>
            <classId>C000210251</classId>
          </classInfo>
          <classInfo>
            <classId>C000087355</classId>
          </classInfo>
          <classInfo>
            <classId>C000087357</classId>
          </classInfo>
          <classInfo>
            <classId>C000087356</classId>
          </classInfo>
          <classInfo>
            <classId>C000087359</classId>
          </classInfo>
          <classInfo>
            <classId>C000087358</classId>
          </classInfo>
          <classInfo>
            <classId>C000221662</classId>
          </classInfo>
          <classInfo>
            <classId>C000166841</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000028542</seriesId>
          <classInfo>
            <classId>C000087396</classId>
          </classInfo>
          <classInfo>
            <classId>C000087395</classId>
          </classInfo>
          <classInfo>
            <classId>C000087394</classId>
          </classInfo>
          <classInfo>
            <classId>C000087393</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000036715</seriesId>
          <classInfo>
            <classId>C000118994</classId>
          </classInfo>
          <classInfo>
            <classId>C000112270</classId>
          </classInfo>
          <classInfo>
            <classId>C000166845</classId>
          </classInfo>
          <classInfo>
            <classId>C000112266</classId>
          </classInfo>
          <classInfo>
            <classId>C000112268</classId>
          </classInfo>
          <classInfo>
            <classId>C000118993</classId>
          </classInfo>
          <classInfo>
            <classId>C000112267</classId>
          </classInfo>
          <classInfo>
            <classId>C000112269</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000028529</seriesId>
          <classInfo>
            <classId>C000087336</classId>
          </classInfo>
          <classInfo>
            <classId>C000087335</classId>
          </classInfo>
          <classInfo>
            <classId>C000087337</classId>
          </classInfo>
          <classInfo>
            <classId>C000087333</classId>
          </classInfo>
          <classInfo>
            <classId>C000166839</classId>
          </classInfo>
          <classInfo>
            <classId>C000087334</classId>
          </classInfo>
          <classInfo>
            <classId>C000185929</classId>
          </classInfo>
          <classInfo>
            <classId>C000221660</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000063122</seriesId>
          <classInfo>
            <classId>C000204698</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000028532</seriesId>
          <classInfo>
            <classId>C000087351</classId>
          </classInfo>
          <classInfo>
            <classId>C000087350</classId>
          </classInfo>
          <classInfo>
            <classId>C000087353</classId>
          </classInfo>
          <classInfo>
            <classId>C000221661</classId>
          </classInfo>
          <classInfo>
            <classId>C000210249</classId>
          </classInfo>
          <classInfo>
            <classId>C000087352</classId>
          </classInfo>
          <classInfo>
            <classId>C000087354</classId>
          </classInfo>
          <classInfo>
            <classId>C000166840</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000028525</seriesId>
          <classInfo>
            <classId>C000087314</classId>
          </classInfo>
          <classInfo>
            <classId>C000087313</classId>
          </classInfo>
          <classInfo>
            <classId>C000087312</classId>
          </classInfo>
          <classInfo>
            <classId>C000221659</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000028536</seriesId>
          <classInfo>
            <classId>C000221665</classId>
          </classInfo>
          <classInfo>
            <classId>C000087370</classId>
          </classInfo>
          <classInfo>
            <classId>C000087371</classId>
          </classInfo>
          <classInfo>
            <classId>C000087372</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000028522</seriesId>
          <classInfo>
            <classId>C000087301</classId>
          </classInfo>
          <classInfo>
            <classId>C000221657</classId>
          </classInfo>
          <classInfo>
            <classId>C000087295</classId>
          </classInfo>
          <classInfo>
            <classId>C000087298</classId>
          </classInfo>
          <classInfo>
            <classId>C000087297</classId>
          </classInfo>
          <classInfo>
            <classId>C000087296</classId>
          </classInfo>
          <classInfo>
            <classId>C000087300</classId>
          </classInfo>
          <classInfo>
            <classId>C000087299</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000026784</seriesId>
          <classInfo>
            <classId>C000080509</classId>
          </classInfo>
          <classInfo>
            <classId>C000080507</classId>
          </classInfo>
          <classInfo>
            <classId>C000180193</classId>
          </classInfo>
          <classInfo>
            <classId>C000080508</classId>
          </classInfo>
          <classInfo>
            <classId>C000180192</classId>
          </classInfo>
          <classInfo>
            <classId>C000180195</classId>
          </classInfo>
          <classInfo>
            <classId>C000080506</classId>
          </classInfo>
          <classInfo>
            <classId>C000180194</classId>
          </classInfo>
          <classInfo>
            <classId>C000221654</classId>
          </classInfo>
          <classInfo>
            <classId>C000180191</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000036714</seriesId>
          <classInfo>
            <classId>C000112258</classId>
          </classInfo>
          <classInfo>
            <classId>C000112261</classId>
          </classInfo>
          <classInfo>
            <classId>C000112259</classId>
          </classInfo>
          <classInfo>
            <classId>C000185940</classId>
          </classInfo>
          <classInfo>
            <classId>C000112265</classId>
          </classInfo>
          <classInfo>
            <classId>C000112264</classId>
          </classInfo>
          <classInfo>
            <classId>C000112262</classId>
          </classInfo>
          <classInfo>
            <classId>C000112260</classId>
          </classInfo>
          <classInfo>
            <classId>C000112263</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000028534</seriesId>
          <classInfo>
            <classId>C000087363</classId>
          </classInfo>
          <classInfo>
            <classId>C000087362</classId>
          </classInfo>
          <classInfo>
            <classId>C000210254</classId>
          </classInfo>
          <classInfo>
            <classId>C000087360</classId>
          </classInfo>
          <classInfo>
            <classId>C000087361</classId>
          </classInfo>
          <classInfo>
            <classId>C000210253</classId>
          </classInfo>
          <classInfo>
            <classId>C000166842</classId>
          </classInfo>
          <classInfo>
            <classId>C000087364</classId>
          </classInfo>
          <classInfo>
            <classId>C000221663</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000026786</seriesId>
          <classInfo>
            <classId>C000080514</classId>
          </classInfo>
          <classInfo>
            <classId>C000080515</classId>
          </classInfo>
          <classInfo>
            <classId>C000127145</classId>
          </classInfo>
          <classInfo>
            <classId>C000138227</classId>
          </classInfo>
          <classInfo>
            <classId>C000080516</classId>
          </classInfo>
          <classInfo>
            <classId>C000166838</classId>
          </classInfo>
          <classInfo>
            <classId>C000080517</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000036992</seriesId>
          <classInfo>
            <classId>C000113210</classId>
          </classInfo>
          <classInfo>
            <classId>C000113213</classId>
          </classInfo>
          <classInfo>
            <classId>C000185944</classId>
          </classInfo>
          <classInfo>
            <classId>C000113211</classId>
          </classInfo>
          <classInfo>
            <classId>C000113212</classId>
          </classInfo>
          <classInfo>
            <classId>C000221672</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000028539</seriesId>
          <classInfo>
            <classId>C000087382</classId>
          </classInfo>
          <classInfo>
            <classId>C000087383</classId>
          </classInfo>
          <classInfo>
            <classId>C000087381</classId>
          </classInfo>
          <classInfo>
            <classId>C000087384</classId>
          </classInfo>
        </rptSeriesClassInfo>
        <rptSeriesClassInfo>
          <seriesId>S000039301</seriesId>
          <classInfo>
            <classId>C000121098</classId>
          </classInfo>
          <classInfo>
            <classId>C000166846</classId>
          </classInfo>
          <classInfo>
            <classId>C000121100</classId>
          </classInfo>
          <classInfo>
            <classId>C000121101</classId>
          </classInfo>
          <classInfo>
            <classId>C000121097</classId>
          </classInfo>
          <classInfo>
            <classId>C000121099</classId>
          </classInfo>
        </rptSeriesClassInfo>
      </reportSeriesClass>
    </seriesClass>
  </headerData>
  <formData>
    <generalInfo reportEndingPeriod="2021-10-31" isReportPeriodLt12="N"/>
    <registrantInfo>
      <registrantFullName>MAINSTAY FUNDS TRUST</registrantFullName>
      <investmentCompFileNo>811-22321</investmentCompFileNo>
      <registrantCik>0001469192</registrantCik>
      <registrantLei>549300SQRLBSUG7RD002</registrantLei>
      <registrantstreet1>51 MADISON AVE</registrantstreet1>
      <registrantcity>NEW YORK</registrantcity>
      <registrantzipCode>10010</registrantzipCode>
      <registrantstate>US-NY</registrantstate>
      <registrantcountry>US</registrantcountry>
      <registrantphoneNumber>212-576-7000</registrantphoneNumber>
      <websites>
        <website webpage="nylinvestments.com/funds"/>
      </websites>
      <locationBooksRecords>
        <locationBooksRecord>
          <officeName>JPMorgan Chase Bank, N.A.</officeName>
          <officeAddress1>4 Chase Metrotech Center</officeAddress1>
          <officeCity>New York</officeCity>
          <officeStateCountry officeCountry="US" officeState="US-NY"/>
          <officeRecordsZipCode>11245</officeRecordsZipCode>
          <officePhone>718-242-0609</officePhone>
          <booksRecordsDesc>Records relating to its functions as custodian, sub-administrator and accounting agent</booksRecordsDesc>
        </locationBooksRecord>
        <locationBooksRecord>
          <officeName>State Street Bank and Trust Company</officeName>
          <officeAddress1>1 Lincoln Street</officeAddress1>
          <officeCity>Boston</officeCity>
          <officeStateCountry officeCountry="US" officeState="US-MA"/>
          <officeRecordsZipCode>02111</officeRecordsZipCode>
          <officePhone>617-786-3000</officePhone>
          <booksRecordsDesc>Custody and Accounting Records.</booksRecordsDesc>
        </locationBooksRecord>
      </locationBooksRecords>
      <isRegistrantFirstFiling>N</isRegistrantFirstFiling>
      <isRegistrantLastFiling>N</isRegistrantLastFiling>
      <registrantFamilyInvComp isRegistrantFamilyInvComp="Y" familyInvCompFullName="Mainstay Group of Funds"/>
      <registrantClassificationType>N-1A</registrantClassificationType>
      <totalSeries>33</totalSeries>
      <terminatedSeries>
        <terminatedSeriesInfo seriesName="MainStay MacKay U.S. Equity Opportunities Fund" seriesId="S000028539" terminationDate="04/2021"/>
        <terminatedSeriesInfo seriesName="MainStay Epoch U.S. All Cap Fund" seriesId="S000028523" terminationDate="04/2021"/>
      </terminatedSeries>
      <isSecuritiesActRegistration>Y</isSecuritiesActRegistration>
      <directors>
        <director>
          <directorName>Alan R. Latshaw</directorName>
          <crdNumber>000000000</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-04550"/>
            <fileNumberInfo fileNumber="811-22551"/>
            <fileNumberInfo fileNumber="811-10027"/>
            <fileNumberInfo fileNumber="811-03833-01"/>
            <fileNumberInfo fileNumber="811-01519"/>
            <fileNumberInfo fileNumber="811-23654"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Richard H. Nolan, Jr.</directorName>
          <crdNumber>000000000</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-22551"/>
            <fileNumberInfo fileNumber="811-23654"/>
            <fileNumberInfo fileNumber="811-03833-01"/>
            <fileNumberInfo fileNumber="811-04550"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Susan B. Kerley</directorName>
          <crdNumber>000000000</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-04550"/>
            <fileNumberInfo fileNumber="811-04254"/>
            <fileNumberInfo fileNumber="811-03833-01"/>
            <fileNumberInfo fileNumber="811-23654"/>
            <fileNumberInfo fileNumber="811-05812"/>
            <fileNumberInfo fileNumber="811-06310"/>
            <fileNumberInfo fileNumber="811-22551"/>
            <fileNumberInfo fileNumber="811-06740"/>
            <fileNumberInfo fileNumber="811-04052"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>David H. Chow</directorName>
          <crdNumber>001401207</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-10325"/>
            <fileNumberInfo fileNumber="811-04550"/>
            <fileNumberInfo fileNumber="811-03833-01"/>
            <fileNumberInfo fileNumber="811-22551"/>
            <fileNumberInfo fileNumber="811-23654"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Jacques P. Perold</directorName>
          <crdNumber>000000000</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-04550"/>
            <fileNumberInfo fileNumber="811-22551"/>
            <fileNumberInfo fileNumber="811-23654"/>
            <fileNumberInfo fileNumber="811-03833-01"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Yie-Hsin Hung</directorName>
          <crdNumber>001586401</crdNumber>
          <isDirectorInterestedPerson>Y</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-04550"/>
            <fileNumberInfo fileNumber="811-23654"/>
            <fileNumberInfo fileNumber="811-22551"/>
            <fileNumberInfo fileNumber="811-03833-01"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Richard S. Trutanic</directorName>
          <crdNumber>000000000</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-04550"/>
            <fileNumberInfo fileNumber="811-22551"/>
            <fileNumberInfo fileNumber="811-03833-01"/>
            <fileNumberInfo fileNumber="811-23654"/>
          </fileNumbers>
        </director>
      </directors>
      <chiefComplianceOfficers>
        <chiefComplianceOfficer>
          <ccoName>Kevin M. Bopp</ccoName>
          <crdNumber>000000000</crdNumber>
          <ccoStreet1>30 Hudson Street</ccoStreet1>
          <ccoCity>Jersey City</ccoCity>
          <ccoStateCountry ccoCountry="US" ccoState="US-NJ"/>
          <ccoZipCode>07302</ccoZipCode>
          <ccoPhone>XXXXXX</ccoPhone>
          <isCcoChangedSinceLastFiling>N</isCcoChangedSinceLastFiling>
          <ccoEmployers>
            <ccoEmployer ccoEmployerName="N/A" ccoEmployerId="N/A"/>
          </ccoEmployers>
        </chiefComplianceOfficer>
      </chiefComplianceOfficers>
      <isRegistrantSubmittedMatter>N</isRegistrantSubmittedMatter>
      <isPreviousLegalProceeding>N</isPreviousLegalProceeding>
      <isPreviousProceedingTerminated>N</isPreviousProceedingTerminated>
      <isClaimFiled>N</isClaimFiled>
      <coveredByInsurancePolicy isCoveredByInsurancePolicy="Y" isClaimFiledDuringPeriod="N"/>
      <isFinancialSupportDuringPeriod>N</isFinancialSupportDuringPeriod>
      <releaseNumbers isExemptionFromAct="Y">
        <releaseNumberInfo releaseNumber="IC-32190"/>
        <releaseNumberInfo releaseNumber="IC-17318"/>
        <releaseNumberInfo releaseNumber="IC-15758"/>
        <releaseNumberInfo releaseNumber="IC-31663"/>
        <releaseNumberInfo releaseNumber="IC-31663"/>
      </releaseNumbers>
      <principalUnderwriters>
        <principalUnderwriter>
          <principalUnderwriterName>NYLIFE Distributors LLC</principalUnderwriterName>
          <principalUnderwriterFileNumber>8-46655</principalUnderwriterFileNumber>
          <principalUnderwriterCrdNumber>000035350</principalUnderwriterCrdNumber>
          <principalUnderwriterLei>00000000000000000000</principalUnderwriterLei>
          <principalUnderWriterStateCountry principalUnderWriterCountry="US" principalUnderWriterState="US-NJ"/>
          <isPrincipalUnderwriterAffiliatedWithRegistrant>Y</isPrincipalUnderwriterAffiliatedWithRegistrant>
        </principalUnderwriter>
      </principalUnderwriters>
      <isUnderwriterHiredOrTerminated>N</isUnderwriterHiredOrTerminated>
      <publicAccountants>
        <publicAccountant>
          <publicAccountantName>KPMG LLP</publicAccountantName>
          <pcaobNumber>185</pcaobNumber>
          <publicAccountantLei>00000000000000000000</publicAccountantLei>
          <publicAccountantStateCountry publicAccountantCountry="US" publicAccountantState="US-PA"/>
        </publicAccountant>
      </publicAccountants>
      <isPublicAccountantChanged>N</isPublicAccountantChanged>
      <isMaterialWeakness>N</isMaterialWeakness>
      <isOpinionOffered>N</isOpinionOffered>
      <isMaterialChange>N</isMaterialChange>
      <isAccountingPrincipleChange>N</isAccountingPrincipleChange>
      <isPaymentErrorInNetAssetValue>N</isPaymentErrorInNetAssetValue>
      <isPaymentDividend>N</isPaymentDividend>
    </registrantInfo>
    <managementInvestmentQuestionSeriesInfo>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay Candriam Emerging Markets Equity Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000059215</mgmtInvSeriesId>
        <mgmtInvLei>549300OEYQVZONE1SZ66</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>6</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000194051" sharesOutstandingTickerSymbol="MCYCX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000194055" sharesOutstandingTickerSymbol="MCYVX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000194050" sharesOutstandingTickerSymbol="MCYAX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R6" sharesOutstandingClassId="C000194053" sharesOutstandingTickerSymbol="MCYSX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000194052" sharesOutstandingTickerSymbol="MCYIX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>564360.39000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>8666.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>N</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Candriam Belgium</subAdviserName>
            <subAdviserFileNo>801-80508</subAdviserFileNo>
            <subAdviserCrdNo>000173155</subAdviserCrdNo>
            <subAdviserLei>5493000L8ZALVE64H005</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserCountry>BE</subAdviserCountry>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Citibank Europe plc</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>HU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank Argentina S.A.</custodianName>
            <custodianLei>549300K52NF2S4SQDO82</custodianLei>
            <custodianCountry>AR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco Santander Chile</custodianName>
            <custodianLei>3YJP8HORPAEXJ80D6368</custodianLei>
            <custodianCountry>CL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Trust Company Canada</custodianName>
            <custodianLei>549300L71XG2CTQ2V827</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco de Chile</custodianName>
            <custodianLei>8B4EZFY8IHJC44TT2K84</custodianLei>
            <custodianCountry>CL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>ID</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Ceskoslovenska obchodni banka, a. s.</custodianName>
            <custodianLei>Q5BP2UEQ48R75BOTCB92</custodianLei>
            <custodianCountry>CZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank Middle East Limited</custodianName>
            <custodianLei>549300F99IL9YJDWH369</custodianLei>
            <custodianCountry>QA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank Middle East Limited</custodianName>
            <custodianLei>549300F99IL9YJDWH369</custodianLei>
            <custodianCountry>AE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank (Hong Kong) Limited</custodianName>
            <custodianLei>X5AV1MBDXGRPX5UGMX13</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Euroclear</custodianName>
            <custodianLei>549300OZ46BRLZ8Y6F65</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign securities depository - rule 17f-7 (17 CFR 270.17f-7)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank (Taiwan) Limited</custodianName>
            <custodianLei>549300QJEO1B92LSHZ06</custodianLei>
            <custodianCountry>TW</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Standard Bank of South Africa Limited</custodianName>
            <custodianLei>QFC8ZCW3Q5PRXU1XTM60</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UniCredit Bank Czech Republic and Slovakia, a.s.</custodianName>
            <custodianLei>KR6LSKV3BTSJRD41IF75</custodianLei>
            <custodianCountry>CZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco Nacional de Mexico, S.A.</custodianName>
            <custodianLei>2SFFM4FUIE05S37WFU55</custodianLei>
            <custodianCountry>MX</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>PH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank (China) Company Limited</custodianName>
            <custodianLei>2CZOJRADNJXBLT55G526</custodianLei>
            <custodianCountry>CN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Handlowy w. Warszawie S.A.</custodianName>
            <custodianLei>XLEZHWWOI4HFQDGL4793</custodianLei>
            <custodianCountry>PL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank Malaysia Berhad</custodianName>
            <custodianLei>P3RPN9OJFCXUPJWB1Q09</custodianLei>
            <custodianCountry>MY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>LK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>FirstRand Bank Limited</custodianName>
            <custodianLei>ZAYQDKTCATIXF9OQY690</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank Korea Limited</custodianName>
            <custodianLei>NUXTG47HHHM1K2L0SG39</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>IN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Royal Bank of Canada</custodianName>
            <custodianLei>ES7IP3U3RHIGC71XBU11</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank (Thai) Public Company Limited</custodianName>
            <custodianLei>549300O1LQYCQ7G1IM57</custodianLei>
            <custodianCountry>TH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>HU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BNP Paribas Securities Services S.C.A.</custodianName>
            <custodianLei>549300WCGB70D06XZS54</custodianLei>
            <custodianCountry>GR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Cititrust Colombia S.A.</custodianName>
            <custodianLei>549300242J3IJCOSGI49</custodianLei>
            <custodianCountry>CO</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>EG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank del Peru S.A.</custodianName>
            <custodianLei>MYTK5NHHP1G8TVFGT193</custodianLei>
            <custodianCountry>PE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank Kenya Limited</custodianName>
            <custodianLei>549300RBHWW5EJIRG629</custodianLei>
            <custodianCountry>KE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DBS Bank Ltd</custodianName>
            <custodianLei>ATUEL7OJR5057F2PV266</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, National Association (Ciudad Autonoma de Buenos Aires, Ciudad Autonoma de Buenos Aires, AR, Branch)</custodianName>
            <custodianLei>579100KKDGKCFFKKF005</custodianLei>
            <custodianCountry>AR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank A.S.</custodianName>
            <custodianLei>CWZ8NZDH5SKY12Q4US31</custodianLei>
            <custodianCountry>TR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Joint Stock Company Commercial Bank Citibank</custodianName>
            <custodianLei>CHSQDSVI1UI96Y2SW097</custodianLei>
            <custodianCountry>RU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>TW</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>IN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank (Malaysia) Berhad</custodianName>
            <custodianLei>529900DLWFR8HK7DR278</custodianLei>
            <custodianCountry>MY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank (Vietnam) Ltd.</custodianName>
            <custodianLei>213800H95OG9OHRT4Y78</custodianLei>
            <custodianCountry>VN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC France Athens Branch</custodianName>
            <custodianLei>MP6I5ZYZBEU3UXPYFY54</custodianLei>
            <custodianCountry>GR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank International (Limited Liability Company)**</custodianName>
            <custodianLei>549300B831LSRSI6RA15</custodianLei>
            <custodianCountry>RU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>PT Bank HSBC Indonesia</custodianName>
            <custodianLei>213800HW5IDIRLWH1203</custodianLei>
            <custodianCountry>ID</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company (Edinburgh, GB, Branch)</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>PH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan S.A. DTVM</custodianName>
            <custodianLei>5493001LS7J56NZZ3G07</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank Anonim Sirketi</custodianName>
            <custodianLei>789000N5SE3LWDK7OI11</custodianLei>
            <custodianCountry>TR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Societe Generale</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>O2RNE8IBXP4R0TD8PU41</brokerLei>
            <brokerCountry>FR</brokerCountry>
            <grossCommission>2426.63000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse Securities (USA) LLC</brokerName>
            <brokerFileNo>8-00422</brokerFileNo>
            <brokerCrdNo>000000816</brokerCrdNo>
            <brokerLei>1V8Y6QCX6YMJ2OELII46</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2963.77000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2835.53000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>8020.87000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Nomura Securities International, Inc.</brokerName>
            <brokerFileNo>8-15255</brokerFileNo>
            <brokerCrdNo>000004297</brokerCrdNo>
            <brokerLei>OXTKY6Q8X53C9ILVV871</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>952.16000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet Europe Limited</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>213800MXAKR2LA1VBM44</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>714.47000000</grossCommission>
          </broker>
          <broker>
            <brokerName>CITIC Securities International USA, LLC</brokerName>
            <brokerFileNo>8-68887</brokerFileNo>
            <brokerCrdNo>000158266</brokerCrdNo>
            <brokerLei>N/A</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1760.04000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-08177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>18560.08000000</grossCommission>
          </broker>
          <broker>
            <brokerName>ICICI Securities Limited</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>335800RT5NJ3UPWK7351</brokerLei>
            <brokerCountry>IN</brokerCountry>
            <grossCommission>1101.15000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS Securities LLC</brokerName>
            <brokerFileNo>8-22651</brokerFileNo>
            <brokerCrdNo>000007654</brokerCrdNo>
            <brokerLei>T6FIZBDPKLYJKFCRVK44</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>8368.66000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>51240.99000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>6591094.67999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>885442.51000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>7476537.18999999</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>88888723.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay WMC Growth Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000039358</mgmtInvSeriesId>
        <mgmtInvLei>549300G3B4EAFQNLNN04</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>8</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class R6" sharesOutstandingClassId="C000185948" sharesOutstandingTickerSymbol="KLGDX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R2" sharesOutstandingClassId="C000121297" sharesOutstandingTickerSymbol="KLGRX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000121293" sharesOutstandingTickerSymbol="KLGAX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000121296" sharesOutstandingTickerSymbol="KLGIX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000121295" sharesOutstandingTickerSymbol="KLGCX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000121298" sharesOutstandingTickerSymbol="KLGNX"/>
          <sharesOutstanding sharesOutstandingClassName="Class B" sharesOutstandingClassId="C000121294" sharesOutstandingTickerSymbol="KLGBX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>13196250.09000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>24546.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Wellington Management Company LLP</subAdviserName>
            <subAdviserFileNo>801-15908</subAdviserFileNo>
            <subAdviserCrdNo>000106595</subAdviserCrdNo>
            <subAdviserLei>549300YHP12TEZNLCX41</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <subAdviserHired isSubAdviserHired="Y" subAdviserStartDate="2021-03-05"/>
          </subAdviser>
        </subAdvisers>
        <subAdvisersTerminated>
          <subAdviserTerminated>
            <subAdviserTerminatedName>MacKay Shields LLC</subAdviserTerminatedName>
            <subAdviserTerminatedFileNo>801-5594</subAdviserTerminatedFileNo>
            <subAdviserTerminatedCrdNo>000107717</subAdviserTerminatedCrdNo>
            <subAdviserTerminatedLei>549300Y7LLCOFU7R8H16</subAdviserTerminatedLei>
            <subAdviserTerminatedStateCountry subAdviserTerminatedState="US-NY" subAdviserTerminatedCountry="US"/>
            <subAdviserTerminationDate>2021-03-04</subAdviserTerminationDate>
          </subAdviserTerminated>
        </subAdvisersTerminated>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>Y</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Euroclear</custodianName>
            <custodianLei>549300OZ46BRLZ8Y6F65</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign securities depository - rule 17f-7 (17 CFR 270.17f-7)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-00129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>32606.55000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Siebert Williams Shank &amp; Co., LLC</brokerName>
            <brokerFileNo>8-49877</brokerFileNo>
            <brokerCrdNo>000042568</brokerCrdNo>
            <brokerLei>254900VTARX8RAY9QK77</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>28991.04000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>20499.34000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS Securities LLC</brokerName>
            <brokerFileNo>8-22651</brokerFileNo>
            <brokerCrdNo>000007654</brokerCrdNo>
            <brokerLei>T6FIZBDPKLYJKFCRVK44</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>27203.84000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse Securities (USA) LLC</brokerName>
            <brokerFileNo>8-00422</brokerFileNo>
            <brokerCrdNo>000000816</brokerCrdNo>
            <brokerLei>1V8Y6QCX6YMJ2OELII46</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5875.21000000</grossCommission>
          </broker>
          <broker>
            <brokerName>FNY Capital Management LP</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>549300PXOMC0L1OHLQ47</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>32897.06000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-08177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>106325.57000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>7115.70000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>10070.16000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Wells Fargo Securities, LLC</brokerName>
            <brokerFileNo>8-65876</brokerFileNo>
            <brokerCrdNo>000126292</brokerCrdNo>
            <brokerLei>VYVVCKR63DVZZN70PB21</brokerLei>
            <brokerStateCountry brokerState="US-NC" brokerCountry="US"/>
            <grossCommission>6325.42000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>321779.76000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>32625318.53999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</principalName>
            <principalFileNo>8-07221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>222850.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>9948860.49000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>621108.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Mischler Financial Group, Inc.</principalName>
            <principalFileNo>8-48067</principalFileNo>
            <principalCrdNo>000037818</principalCrdNo>
            <principalLei>2549004IPXPSM9EJFC92</principalLei>
            <principalStateCountry principalState="US-CA" principalCountry="US"/>
            <principalTotalPurchaseSale>20304196.60000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BofA Securities, Inc.</principalName>
            <principalFileNo>8-69787</principalFileNo>
            <principalCrdNo>000283942</principalCrdNo>
            <principalLei>549300HN4UKV1E2R3U73</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>248800.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2515167.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-00129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3983942.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>359927488.89999998</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Stifel, Nicolaus &amp; Company, Incorporated</principalName>
            <principalFileNo>8-01447</principalFileNo>
            <principalCrdNo>000000793</principalCrdNo>
            <principalLei>5WUVMA08EYG4KEUPW589</principalLei>
            <principalStateCountry principalState="US-MO" principalCountry="US"/>
            <principalTotalPurchaseSale>707466.00000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>431491149.53000003</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>936356480.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay MacKay California Tax Free Opportunities Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000039903</mgmtInvSeriesId>
        <mgmtInvLei>549300S8NE8IN2HVIF89</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>7</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000123764" sharesOutstandingTickerSymbol="MSCCX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R6" sharesOutstandingClassId="C000185950" sharesOutstandingTickerSymbol="MSODX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000123765" sharesOutstandingTickerSymbol="MCOIX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000123763" sharesOutstandingTickerSymbol="MSCAX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000123766" sharesOutstandingTickerSymbol="MSCVX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C2" sharesOutstandingClassId="C000221676" sharesOutstandingTickerSymbol="MCAMX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>0.00000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>MacKay Shields LLC</subAdviserName>
            <subAdviserFileNo>801-5594</subAdviserFileNo>
            <subAdviserCrdNo>000107717</subAdviserCrdNo>
            <subAdviserLei>549300Y7LLCOFU7R8H16</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>12844.60000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>12844.60000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>FMSBONDS, INC.</principalName>
            <principalFileNo>8-23280</principalFileNo>
            <principalCrdNo>000007793</principalCrdNo>
            <principalLei>549300TUTBK58NSF2517</principalLei>
            <principalStateCountry principalState="US-FL" principalCountry="US"/>
            <principalTotalPurchaseSale>12706115.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>629002582.53999996</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>90862460.42000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-00129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>38852950.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>66243101.35000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</principalName>
            <principalFileNo>8-07221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>55908919.88000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>43912120.75000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Raymond James &amp; Associates, Inc.</principalName>
            <principalFileNo>8-10999</principalFileNo>
            <principalCrdNo>000000705</principalCrdNo>
            <principalLei>U4ONQX15J3RO8XCKE979</principalLei>
            <principalStateCountry principalState="US-FL" principalCountry="US"/>
            <principalTotalPurchaseSale>37798773.35000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Capital, Inc.</principalName>
            <principalFileNo>8-41342</principalFileNo>
            <principalCrdNo>000019714</principalCrdNo>
            <principalLei>AC28XWWI3WIBK2824319</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>16598311.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Stifel, Nicolaus &amp; Company, Incorporated</principalName>
            <principalFileNo>8-01447</principalFileNo>
            <principalCrdNo>000000793</principalCrdNo>
            <principalLei>5WUVMA08EYG4KEUPW589</principalLei>
            <principalStateCountry principalState="US-MO" principalCountry="US"/>
            <principalTotalPurchaseSale>52460900.04999999</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1140019762.97000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1216603593.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay Equity Allocation Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000028535</mgmtInvSeriesId>
        <mgmtInvLei>549300Q018OBXY4NNP12</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>10</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class R3" sharesOutstandingClassId="C000166843" sharesOutstandingTickerSymbol="MGXRX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000087369" sharesOutstandingTickerSymbol="MGXIX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000087365" sharesOutstandingTickerSymbol="MGXNX"/>
          <sharesOutstanding sharesOutstandingClassName="SIMPLE Class" sharesOutstandingClassId="C000221664" sharesOutstandingTickerSymbol="MGXSX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000087366" sharesOutstandingTickerSymbol="MGXAX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000087368" sharesOutstandingTickerSymbol="MGXCX"/>
          <sharesOutstanding sharesOutstandingClassName="Class B" sharesOutstandingClassId="C000087367" sharesOutstandingTickerSymbol="MGXBX"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>0.00000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.00000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>FNY Capital Management LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>549300PXOMC0L1OHLQ47</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3367902.62000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>20113166.32999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>141845425.72000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>JANE STREET EXECUTION SERVICES LLC</principalName>
            <principalFileNo>8-69254</principalFileNo>
            <principalCrdNo>000167280</principalCrdNo>
            <principalLei>549300HXJLXCPDWAH070</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1075199.97000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Virtu Americas LLC</principalName>
            <principalFileNo>8-68193</principalFileNo>
            <principalCrdNo>000149823</principalCrdNo>
            <principalLei>549300RA02N3BNSWBV74</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>22428832.66000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jane Street Capital, LLC</principalName>
            <principalFileNo>8-52275</principalFileNo>
            <principalCrdNo>000103782</principalCrdNo>
            <principalLei>549300ZM16HMPEPNV857</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>9823019.02999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BofA Securities, Inc.</principalName>
            <principalFileNo>8-69787</principalFileNo>
            <principalCrdNo>000283942</principalCrdNo>
            <principalLei>549300HN4UKV1E2R3U73</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>7548.75000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>5863.97000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</principalName>
            <principalFileNo>8-07221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>4726336.72000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citadel Securities LLC</principalName>
            <principalFileNo>8-53574</principalFileNo>
            <principalCrdNo>000116797</principalCrdNo>
            <principalLei>12UUJYTN7D3SW8KCSG25</principalLei>
            <principalStateCountry principalState="US-IL" principalCountry="US"/>
            <principalTotalPurchaseSale>17720561.16000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>221119566.94000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>460665542.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay MacKay Total Return Bond Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000028537</mgmtInvSeriesId>
        <mgmtInvLei>549300F3C2BWGPG60278</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>10</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="SIMPLE Class" sharesOutstandingClassId="C000221666" sharesOutstandingTickerSymbol="MTMSX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R2" sharesOutstandingClassId="C000116271" sharesOutstandingTickerSymbol="MTRTX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000087374" sharesOutstandingTickerSymbol="MTMAX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R1" sharesOutstandingClassId="C000116270" sharesOutstandingTickerSymbol="MTMRX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000087377" sharesOutstandingTickerSymbol="MTMIX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000087376" sharesOutstandingTickerSymbol="MTMCX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R6" sharesOutstandingClassId="C000127150" sharesOutstandingTickerSymbol="MTRDX"/>
          <sharesOutstanding sharesOutstandingClassName="Class B" sharesOutstandingClassId="C000087375" sharesOutstandingTickerSymbol="MTMBX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000087373" sharesOutstandingTickerSymbol="MTMNX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R3" sharesOutstandingClassId="C000166844" sharesOutstandingTickerSymbol="MTRVX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>7012660.79999999</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>24535.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>N</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>MacKay Shields LLC</subAdviserName>
            <subAdviserFileNo>801-5594</subAdviserFileNo>
            <subAdviserCrdNo>000107717</subAdviserCrdNo>
            <subAdviserLei>549300Y7LLCOFU7R8H16</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>DBS Bank Ltd</custodianName>
            <custodianLei>ATUEL7OJR5057F2PV266</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company (Edinburgh, GB, Branch)</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Euroclear</custodianName>
            <custodianLei>549300OZ46BRLZ8Y6F65</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign securities depository - rule 17f-7 (17 CFR 270.17f-7)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UniCredit Bank Austria AG</custodianName>
            <custodianLei>D1HEB8VEU6D9M8ZUXG17</custodianLei>
            <custodianCountry>AT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank (Thai) Public Company Limited</custodianName>
            <custodianLei>549300O1LQYCQ7G1IM57</custodianLei>
            <custodianCountry>TH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Standard Bank of South Africa Limited</custodianName>
            <custodianLei>QFC8ZCW3Q5PRXU1XTM60</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UBS Switzerland AG</custodianName>
            <custodianLei>549300WOIFUSNYH0FL22</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank, Sociedad Anonima Espanola</custodianName>
            <custodianLei>529900SICIK5OVMVY186</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco Nacional de Mexico, S.A.</custodianName>
            <custodianLei>2SFFM4FUIE05S37WFU55</custodianLei>
            <custodianCountry>MX</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Royal Bank of Canada</custodianName>
            <custodianLei>ES7IP3U3RHIGC71XBU11</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Mizuho Bank, Ltd.</custodianName>
            <custodianLei>RB0PEZSDGCO3JS6CEU02</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Trust Company Canada</custodianName>
            <custodianLei>549300L71XG2CTQ2V827</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Santander Securities Services, S.A.</custodianName>
            <custodianLei>95980020140005970915</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>FirstRand Bank Limited</custodianName>
            <custodianLei>ZAYQDKTCATIXF9OQY690</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>50540.95000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>50540.95000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>83105993.50000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1441083755.84000020</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>237436420.42999998</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BofA Securities, Inc.</principalName>
            <principalFileNo>8-69787</principalFileNo>
            <principalCrdNo>000283942</principalCrdNo>
            <principalLei>549300HN4UKV1E2R3U73</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>85887424.84999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Amherst Pierpont Securities LLC</principalName>
            <principalFileNo>8-68282</principalFileNo>
            <principalCrdNo>000150696</principalCrdNo>
            <principalLei>549300LGG2RLWD21SU97</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>163240929.97000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Capital, Inc.</principalName>
            <principalFileNo>8-41342</principalFileNo>
            <principalCrdNo>000019714</principalCrdNo>
            <principalLei>AC28XWWI3WIBK2824319</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>79213356.48999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-00129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>186873504.03000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citadel Securities LLC</principalName>
            <principalFileNo>8-53574</principalFileNo>
            <principalCrdNo>000116797</principalCrdNo>
            <principalLei>12UUJYTN7D3SW8KCSG25</principalLei>
            <principalStateCountry principalState="US-IL" principalCountry="US"/>
            <principalTotalPurchaseSale>455530138.18000001</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>53343112.21000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</principalName>
            <principalFileNo>8-07221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>962724839.53999996</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>4337013373.55000020</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1468241751.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay Epoch Capital Growth Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000054257</mgmtInvSeriesId>
        <mgmtInvLei>5493007ZZLRL6VENV585</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>6</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000170407" sharesOutstandingTickerSymbol="MECDX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000170409" sharesOutstandingTickerSymbol="MECFX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000170408" sharesOutstandingTickerSymbol="MECEX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000170410" sharesOutstandingTickerSymbol="MECVX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>384904.26000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>2852.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>N</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Epoch Investment Partners, Inc.</subAdviserName>
            <subAdviserFileNo>801-63118</subAdviserFileNo>
            <subAdviserCrdNo>000131556</subAdviserCrdNo>
            <subAdviserLei>549300FT720Z0BVCWS87</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Mizuho Bank, Ltd.</custodianName>
            <custodianLei>RB0PEZSDGCO3JS6CEU02</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank Korea Limited</custodianName>
            <custodianLei>NUXTG47HHHM1K2L0SG39</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Standard Bank of South Africa Limited</custodianName>
            <custodianLei>QFC8ZCW3Q5PRXU1XTM60</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank (China) Company Limited</custodianName>
            <custodianLei>2CZOJRADNJXBLT55G526</custodianLei>
            <custodianCountry>CN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UBS Switzerland AG</custodianName>
            <custodianLei>549300WOIFUSNYH0FL22</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco Nacional de Mexico, S.A.</custodianName>
            <custodianLei>2SFFM4FUIE05S37WFU55</custodianLei>
            <custodianCountry>MX</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Euroclear</custodianName>
            <custodianLei>549300OZ46BRLZ8Y6F65</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign securities depository - rule 17f-7 (17 CFR 270.17f-7)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>TW</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken A/S</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Hapoalim B.M.</custodianName>
            <custodianLei>B6ARUI4946ST4S7WOU88</custodianLei>
            <custodianCountry>IL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>SE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Santander Securities Services, S.A.</custodianName>
            <custodianLei>95980020140005970915</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>ID</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>PH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>NZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Trust Company Canada</custodianName>
            <custodianLei>549300L71XG2CTQ2V827</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DBS Bank Ltd</custodianName>
            <custodianLei>ATUEL7OJR5057F2PV266</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>FI</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Nordea Bank Abp</custodianName>
            <custodianLei>529900ODI3047E2LIV03</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank (Taiwan) Limited</custodianName>
            <custodianLei>549300QJEO1B92LSHZ06</custodianLei>
            <custodianCountry>TW</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>FirstRand Bank Limited</custodianName>
            <custodianLei>ZAYQDKTCATIXF9OQY690</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>NO</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>PH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank Societa per Azioni</custodianName>
            <custodianLei>529900SS7ZWCX82U3W60</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BNP Paribas Securities Services S.C.A.</custodianName>
            <custodianLei>549300WCGB70D06XZS54</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UniCredit Bank Czech Republic and Slovakia, a.s.</custodianName>
            <custodianLei>KR6LSKV3BTSJRD41IF75</custodianLei>
            <custodianCountry>CZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>DE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC France Athens Branch</custodianName>
            <custodianLei>MP6I5ZYZBEU3UXPYFY54</custodianLei>
            <custodianCountry>GR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Royal Bank of Canada</custodianName>
            <custodianLei>ES7IP3U3RHIGC71XBU11</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>IN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>NZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank, Sociedad Anonima Espanola</custodianName>
            <custodianLei>529900SICIK5OVMVY186</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>IN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan S.A. DTVM</custodianName>
            <custodianLei>5493001LS7J56NZZ3G07</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank (Malaysia) Berhad</custodianName>
            <custodianLei>529900DLWFR8HK7DR278</custodianLei>
            <custodianCountry>MY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UniCredit Bank Austria AG</custodianName>
            <custodianLei>D1HEB8VEU6D9M8ZUXG17</custodianLei>
            <custodianCountry>AT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Leumi le-Israel B.M.</custodianName>
            <custodianLei>7JDSZWRGUQY2DSTWCR57</custodianLei>
            <custodianCountry>IL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BNP Paribas Securities Services S.C.A.</custodianName>
            <custodianLei>549300WCGB70D06XZS54</custodianLei>
            <custodianCountry>PT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BNP Paribas Securities Services S.C.A.</custodianName>
            <custodianLei>549300WCGB70D06XZS54</custodianLei>
            <custodianCountry>GR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank Malaysia Berhad</custodianName>
            <custodianLei>P3RPN9OJFCXUPJWB1Q09</custodianLei>
            <custodianCountry>MY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank International GmbH</custodianName>
            <custodianLei>ZMHGNT7ZPKZ3UFZ8EO46</custodianLei>
            <custodianCountry>DE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Handlowy w. Warszawie S.A.</custodianName>
            <custodianLei>XLEZHWWOI4HFQDGL4793</custodianLei>
            <custodianCountry>PL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company (Edinburgh, GB, Branch)</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>PT Bank HSBC Indonesia</custodianName>
            <custodianLei>213800HW5IDIRLWH1203</custodianLei>
            <custodianCountry>ID</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank (Thai) Public Company Limited</custodianName>
            <custodianLei>549300O1LQYCQ7G1IM57</custodianLei>
            <custodianCountry>TH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Credit Agricole Securities (USA) Inc.</brokerName>
            <brokerFileNo>8-13753</brokerFileNo>
            <brokerCrdNo>000000190</brokerCrdNo>
            <brokerLei>549300WO2DKF0Q3YMV43</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>830.09000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS Securities LLC</brokerName>
            <brokerFileNo>8-22651</brokerFileNo>
            <brokerCrdNo>000007654</brokerCrdNo>
            <brokerLei>T6FIZBDPKLYJKFCRVK44</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>957.05000000</grossCommission>
          </broker>
          <broker>
            <brokerName>HSBC Securities (USA) Inc.</brokerName>
            <brokerFileNo>8-41562</brokerFileNo>
            <brokerCrdNo>000019585</brokerCrdNo>
            <brokerLei>CYYGQCGNHMHPSMRL3R97</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4154.18000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>6187.13000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Mizuho Securities USA LLC</brokerName>
            <brokerFileNo>8-37710</brokerFileNo>
            <brokerCrdNo>000019647</brokerCrdNo>
            <brokerLei>7TK5RJIZDFROZCA6XF66</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1086.30000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-00129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1292.30000000</grossCommission>
          </broker>
          <broker>
            <brokerName>CITIC Securities International USA, LLC</brokerName>
            <brokerFileNo>8-68887</brokerFileNo>
            <brokerCrdNo>000158266</brokerCrdNo>
            <brokerLei>N/A</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>7099.96000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Macquarie Group Limited</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>ACMHD8HWFMFUIQQ8Y590</brokerLei>
            <brokerCountry>AU</brokerCountry>
            <grossCommission>989.17000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Macquarie Capital (USA) Inc.</brokerName>
            <brokerFileNo>8-47198</brokerFileNo>
            <brokerCrdNo>000036368</brokerCrdNo>
            <brokerLei>549300670K07JRB5UQ40</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2452.00000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Sanford C. Bernstein &amp; Co., LLC</brokerName>
            <brokerFileNo>8-52942</brokerFileNo>
            <brokerCrdNo>000104474</brokerCrdNo>
            <brokerLei>549300I7JYZHT7D5CO04</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3408.47000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>33732.03000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>112819960.48999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>1488619.61000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>114308580.09999999</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>69486913.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay MacKay High Yield Municipal Bond Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000028227</mgmtInvSeriesId>
        <mgmtInvLei>549300QXVF3SZ2KO6339</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>6</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000086338" sharesOutstandingTickerSymbol="MMHIX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000086337" sharesOutstandingTickerSymbol="MMHDX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R6" sharesOutstandingClassId="C000185918" sharesOutstandingTickerSymbol="MMHEX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000086336" sharesOutstandingTickerSymbol="MMHAX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000086335" sharesOutstandingTickerSymbol="MMHVX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>0.00000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>N</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>MacKay Shields LLC</subAdviserName>
            <subAdviserFileNo>801-5594</subAdviserFileNo>
            <subAdviserCrdNo>000107717</subAdviserCrdNo>
            <subAdviserLei>549300Y7LLCOFU7R8H16</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-00129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>6252.78000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Wells Fargo Securities, LLC</brokerName>
            <brokerFileNo>8-65876</brokerFileNo>
            <brokerCrdNo>000126292</brokerCrdNo>
            <brokerLei>VYVVCKR63DVZZN70PB21</brokerLei>
            <brokerStateCountry brokerState="US-NC" brokerCountry="US"/>
            <grossCommission>2.94000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4700.00000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>10955.72000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>220059059.25000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Capital, Inc.</principalName>
            <principalFileNo>8-41342</principalFileNo>
            <principalCrdNo>000019714</principalCrdNo>
            <principalLei>AC28XWWI3WIBK2824319</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>568723149.39999998</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>7213982869.29000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>186589462.90000001</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>RBC Capital Markets, LLC</principalName>
            <principalFileNo>8-45411</principalFileNo>
            <principalCrdNo>000031194</principalCrdNo>
            <principalLei>549300LCO2FLSSVFFR64</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>128942714.73000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>890872460.47000003</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-00129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>296669714.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</principalName>
            <principalFileNo>8-07221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>621070561.08000004</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>287402391.83999997</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Industrial and Commercial Bank of China Financial Services LLC</principalName>
            <principalFileNo>8-66471</principalFileNo>
            <principalCrdNo>000131487</principalCrdNo>
            <principalLei>5493003O0P1GJ0O8CI80</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>125582562.50000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>11539845966.28000100</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>10805875233.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay Moderate Allocation Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000028533</mgmtInvSeriesId>
        <mgmtInvLei>549300T35QNI41ZM6997</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>10</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class R2" sharesOutstandingClassId="C000210251" sharesOutstandingTickerSymbol="MMRKX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000087355" sharesOutstandingTickerSymbol="MMRDX"/>
          <sharesOutstanding sharesOutstandingClassName="Class B" sharesOutstandingClassId="C000087357" sharesOutstandingTickerSymbol="MMRBX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000087356" sharesOutstandingTickerSymbol="MMRAX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000087359" sharesOutstandingTickerSymbol="MMRIX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000087358" sharesOutstandingTickerSymbol="MMRCX"/>
          <sharesOutstanding sharesOutstandingClassName="SIMPLE Class" sharesOutstandingClassId="C000221662" sharesOutstandingTickerSymbol="MMRSX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R3" sharesOutstandingClassId="C000166841" sharesOutstandingTickerSymbol="MMRHX"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>0.00000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>N</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.00000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</principalName>
            <principalFileNo>8-07221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>4016800.87000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Mischler Financial Group, Inc.</principalName>
            <principalFileNo>8-48067</principalFileNo>
            <principalCrdNo>000037818</principalCrdNo>
            <principalLei>2549004IPXPSM9EJFC92</principalLei>
            <principalStateCountry principalState="US-CA" principalCountry="US"/>
            <principalTotalPurchaseSale>35107.80000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1988939.98000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Virtu Americas LLC</principalName>
            <principalFileNo>8-68193</principalFileNo>
            <principalCrdNo>000149823</principalCrdNo>
            <principalLei>549300RA02N3BNSWBV74</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>17596344.82000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>256982909.58000001</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>JANE STREET EXECUTION SERVICES LLC</principalName>
            <principalFileNo>8-69254</principalFileNo>
            <principalCrdNo>000167280</principalCrdNo>
            <principalLei>549300HXJLXCPDWAH070</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1382851.85999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citadel Securities LLC</principalName>
            <principalFileNo>8-53574</principalFileNo>
            <principalCrdNo>000116797</principalCrdNo>
            <principalLei>12UUJYTN7D3SW8KCSG25</principalLei>
            <principalStateCountry principalState="US-IL" principalCountry="US"/>
            <principalTotalPurchaseSale>14249958.10000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>44521848.11000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jane Street Capital, LLC</principalName>
            <principalFileNo>8-52275</principalFileNo>
            <principalCrdNo>000103782</principalCrdNo>
            <principalLei>549300ZM16HMPEPNV857</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>8793723.01999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>FNY Capital Management LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>549300PXOMC0L1OHLQ47</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>11749897.77999999</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>361336626.84999996</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>851001570.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay WMC International Research Equity Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000028542</mgmtInvSeriesId>
        <mgmtInvLei>549300PQST4ZGMIXWU52</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>6</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000087396" sharesOutstandingTickerSymbol="MYIIX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000087395" sharesOutstandingTickerSymbol="MYICX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000087394" sharesOutstandingTickerSymbol="MYITX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000087393" sharesOutstandingTickerSymbol="MYINX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>4329680.28000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>160353.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>N</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Wellington Management Company LLP</subAdviserName>
            <subAdviserFileNo>801-15908</subAdviserFileNo>
            <subAdviserCrdNo>000106595</subAdviserCrdNo>
            <subAdviserLei>549300YHP12TEZNLCX41</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <subAdviserHired isSubAdviserHired="Y" subAdviserStartDate="2021-03-05"/>
          </subAdviser>
        </subAdvisers>
        <subAdvisersTerminated>
          <subAdviserTerminated>
            <subAdviserTerminatedName>MacKay Shields LLC</subAdviserTerminatedName>
            <subAdviserTerminatedFileNo>801-5594</subAdviserTerminatedFileNo>
            <subAdviserTerminatedCrdNo>000107717</subAdviserTerminatedCrdNo>
            <subAdviserTerminatedLei>549300Y7LLCOFU7R8H16</subAdviserTerminatedLei>
            <subAdviserTerminatedStateCountry subAdviserTerminatedState="US-NY" subAdviserTerminatedCountry="US"/>
            <subAdviserTerminationDate>2021-03-04</subAdviserTerminationDate>
          </subAdviserTerminated>
        </subAdvisersTerminated>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>ID</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank (China) Company Limited</custodianName>
            <custodianLei>2CZOJRADNJXBLT55G526</custodianLei>
            <custodianCountry>CN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>FirstRand Bank Limited</custodianName>
            <custodianLei>ZAYQDKTCATIXF9OQY690</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company (Edinburgh, GB, Branch)</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Santander Securities Services, S.A.</custodianName>
            <custodianLei>95980020140005970915</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>EG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco Nacional de Mexico, S.A.</custodianName>
            <custodianLei>2SFFM4FUIE05S37WFU55</custodianLei>
            <custodianCountry>MX</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UniCredit Bank Czech Republic and Slovakia, a.s.</custodianName>
            <custodianLei>KR6LSKV3BTSJRD41IF75</custodianLei>
            <custodianCountry>CZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank Middle East Limited</custodianName>
            <custodianLei>549300F99IL9YJDWH369</custodianLei>
            <custodianCountry>AE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank (Vietnam) Ltd.</custodianName>
            <custodianLei>213800H95OG9OHRT4Y78</custodianLei>
            <custodianCountry>VN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan S.A. DTVM</custodianName>
            <custodianLei>5493001LS7J56NZZ3G07</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Hapoalim B.M.</custodianName>
            <custodianLei>B6ARUI4946ST4S7WOU88</custodianLei>
            <custodianCountry>IL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco Santander Chile</custodianName>
            <custodianLei>3YJP8HORPAEXJ80D6368</custodianLei>
            <custodianCountry>CL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank (Thai) Public Company Limited</custodianName>
            <custodianLei>549300O1LQYCQ7G1IM57</custodianLei>
            <custodianCountry>TH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank Societa per Azioni</custodianName>
            <custodianLei>529900SS7ZWCX82U3W60</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>IN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank Anonim Sirketi</custodianName>
            <custodianLei>789000N5SE3LWDK7OI11</custodianLei>
            <custodianCountry>TR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Euroclear</custodianName>
            <custodianLei>549300OZ46BRLZ8Y6F65</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign securities depository - rule 17f-7 (17 CFR 270.17f-7)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>DE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank, Sociedad Anonima Espanola</custodianName>
            <custodianLei>529900SICIK5OVMVY186</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank Korea Limited</custodianName>
            <custodianLei>NUXTG47HHHM1K2L0SG39</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank Malaysia Berhad</custodianName>
            <custodianLei>P3RPN9OJFCXUPJWB1Q09</custodianLei>
            <custodianCountry>MY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BNP Paribas Securities Services S.C.A.</custodianName>
            <custodianLei>549300WCGB70D06XZS54</custodianLei>
            <custodianCountry>GR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BNP Paribas Securities Services S.C.A.</custodianName>
            <custodianLei>549300WCGB70D06XZS54</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Cititrust Colombia S.A.</custodianName>
            <custodianLei>549300242J3IJCOSGI49</custodianLei>
            <custodianCountry>CO</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Nordea Bank Abp</custodianName>
            <custodianLei>529900ODI3047E2LIV03</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Trust Company Canada</custodianName>
            <custodianLei>549300L71XG2CTQ2V827</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Handlowy w. Warszawie S.A.</custodianName>
            <custodianLei>XLEZHWWOI4HFQDGL4793</custodianLei>
            <custodianCountry>PL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Standard Bank of South Africa Limited</custodianName>
            <custodianLei>QFC8ZCW3Q5PRXU1XTM60</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank International GmbH</custodianName>
            <custodianLei>ZMHGNT7ZPKZ3UFZ8EO46</custodianLei>
            <custodianCountry>DE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>TW</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UBS Switzerland AG</custodianName>
            <custodianLei>549300WOIFUSNYH0FL22</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Euroclear</custodianName>
            <custodianLei>549300OZ46BRLZ8Y6F65</custodianLei>
            <custodianCountry>IE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign securities depository - rule 17f-7 (17 CFR 270.17f-7)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>NZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Royal Bank of Canada</custodianName>
            <custodianLei>ES7IP3U3RHIGC71XBU11</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank (Malaysia) Berhad</custodianName>
            <custodianLei>529900DLWFR8HK7DR278</custodianLei>
            <custodianCountry>MY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>NZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>PT Bank HSBC Indonesia</custodianName>
            <custodianLei>213800HW5IDIRLWH1203</custodianLei>
            <custodianCountry>ID</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>AS SEB Pank</custodianName>
            <custodianLei>549300ND1MQ8SNNYMJ22</custodianLei>
            <custodianCountry>EE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>PH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Mizuho Bank, Ltd.</custodianName>
            <custodianLei>RB0PEZSDGCO3JS6CEU02</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Leumi le-Israel B.M.</custodianName>
            <custodianLei>7JDSZWRGUQY2DSTWCR57</custodianLei>
            <custodianCountry>IL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UniCredit Bank Austria AG</custodianName>
            <custodianLei>D1HEB8VEU6D9M8ZUXG17</custodianLei>
            <custodianCountry>AT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>SE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>IN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>NO</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC France Athens Branch</custodianName>
            <custodianLei>MP6I5ZYZBEU3UXPYFY54</custodianLei>
            <custodianCountry>GR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DBS Bank Ltd</custodianName>
            <custodianLei>ATUEL7OJR5057F2PV266</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco de Chile</custodianName>
            <custodianLei>8B4EZFY8IHJC44TT2K84</custodianLei>
            <custodianCountry>CL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe plc</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>HU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>HU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>FI</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken A/S</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>PH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank Middle East Limited</custodianName>
            <custodianLei>549300F99IL9YJDWH369</custodianLei>
            <custodianCountry>QA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Maghreb S.A</custodianName>
            <custodianLei>5493003FVWLMBFTISI11</custodianLei>
            <custodianCountry>MA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BNP Paribas Securities Services S.C.A.</custodianName>
            <custodianLei>549300WCGB70D06XZS54</custodianLei>
            <custodianCountry>PT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank A.S.</custodianName>
            <custodianLei>CWZ8NZDH5SKY12Q4US31</custodianLei>
            <custodianCountry>TR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Societe Generale Marocaine de Banques</custodianName>
            <custodianLei>549300WHIMVBNIDQWK21</custodianLei>
            <custodianCountry>MA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank International (Limited Liability Company)**</custodianName>
            <custodianLei>549300B831LSRSI6RA15</custodianLei>
            <custodianCountry>RU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank del Peru S.A.</custodianName>
            <custodianLei>MYTK5NHHP1G8TVFGT193</custodianLei>
            <custodianCountry>PE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</brokerName>
            <brokerFileNo>8-07221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9470.50000000</grossCommission>
          </broker>
          <broker>
            <brokerName>CLSA Americas, LLC</brokerName>
            <brokerFileNo>8-69166</brokerFileNo>
            <brokerCrdNo>000165533</brokerCrdNo>
            <brokerLei>213800M2DXATWY7JMS07</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>8485.40000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-08177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>128284.96000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>7309.11000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Siebert Williams Shank &amp; Co., LLC</brokerName>
            <brokerFileNo>8-49877</brokerFileNo>
            <brokerCrdNo>000042568</brokerCrdNo>
            <brokerLei>254900VTARX8RAY9QK77</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>7543.64000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>12437.73000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9865.10000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS Securities LLC</brokerName>
            <brokerFileNo>8-22651</brokerFileNo>
            <brokerCrdNo>000007654</brokerCrdNo>
            <brokerLei>T6FIZBDPKLYJKFCRVK44</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>29173.45000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Societe Generale</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>O2RNE8IBXP4R0TD8PU41</brokerLei>
            <brokerCountry>FR</brokerCountry>
            <grossCommission>75744.45000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet Europe Limited</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>213800MXAKR2LA1VBM44</brokerLei>
            <brokerCountry>GB</brokerCountry>
            <grossCommission>12581.64000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>346690.15000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>499818.88000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Virtu Americas LLC</principalName>
            <principalFileNo>8-68193</principalFileNo>
            <principalCrdNo>000149823</principalCrdNo>
            <principalLei>549300RA02N3BNSWBV74</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>9316829.09999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>RBC Capital Markets, LLC</principalName>
            <principalFileNo>8-45411</principalFileNo>
            <principalCrdNo>000031194</principalCrdNo>
            <principalLei>549300LCO2FLSSVFFR64</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>287411.34999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>274995149.18000001</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Guggenheim Securities, LLC</principalName>
            <principalFileNo>8-49107</principalFileNo>
            <principalCrdNo>000040638</principalCrdNo>
            <principalLei>5493005G25VHYWLYJU59</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>68144.75999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>21011671.48999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>63555003.20000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse Securities (USA) LLC</principalName>
            <principalFileNo>8-00422</principalFileNo>
            <principalCrdNo>000000816</principalCrdNo>
            <principalLei>1V8Y6QCX6YMJ2OELII46</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>13.21000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>369734041.16999996</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>243168170.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay WMC Small Companies Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000036715</mgmtInvSeriesId>
        <mgmtInvLei>549300X2531TDNVCHR44</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>10</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class R2" sharesOutstandingClassId="C000118994" sharesOutstandingTickerSymbol="MOTRX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000112270" sharesOutstandingTickerSymbol="MOPAX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R3" sharesOutstandingClassId="C000166845" sharesOutstandingTickerSymbol="MOVRX"/>
          <sharesOutstanding sharesOutstandingClassName="Class B" sharesOutstandingClassId="C000112266" sharesOutstandingTickerSymbol="MOTBX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000112268" sharesOutstandingTickerSymbol="MOPIX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R1" sharesOutstandingClassId="C000118993" sharesOutstandingTickerSymbol="MOPRX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000112267" sharesOutstandingTickerSymbol="MOPCX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000112269" sharesOutstandingTickerSymbol="MOINX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>13105426.15000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>99578.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Wellington Management Company LLP</subAdviserName>
            <subAdviserFileNo>801-15908</subAdviserFileNo>
            <subAdviserCrdNo>000106595</subAdviserCrdNo>
            <subAdviserLei>549300YHP12TEZNLCX41</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <subAdviserHired isSubAdviserHired="Y" subAdviserStartDate="2021-03-05"/>
          </subAdviser>
        </subAdvisers>
        <subAdvisersTerminated>
          <subAdviserTerminated>
            <subAdviserTerminatedName>MacKay Shields LLC</subAdviserTerminatedName>
            <subAdviserTerminatedFileNo>801-5594</subAdviserTerminatedFileNo>
            <subAdviserTerminatedCrdNo>000107717</subAdviserTerminatedCrdNo>
            <subAdviserTerminatedLei>549300Y7LLCOFU7R8H16</subAdviserTerminatedLei>
            <subAdviserTerminatedStateCountry subAdviserTerminatedState="US-NY" subAdviserTerminatedCountry="US"/>
            <subAdviserTerminationDate>2021-03-04</subAdviserTerminationDate>
          </subAdviserTerminated>
        </subAdvisersTerminated>
        <transferAgents>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Royal Bank of Canada</custodianName>
            <custodianLei>ES7IP3U3RHIGC71XBU11</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Keybanc Capital Markets Inc.</brokerName>
            <brokerFileNo>8-30177</brokerFileNo>
            <brokerCrdNo>000000566</brokerCrdNo>
            <brokerLei>2EQWV0180Z211YVAD813</brokerLei>
            <brokerStateCountry brokerState="US-OH" brokerCountry="US"/>
            <grossCommission>15955.71000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>26478.35000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-08177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>131252.51000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Virtu Americas LLC</brokerName>
            <brokerFileNo>8-68193</brokerFileNo>
            <brokerCrdNo>000149823</brokerCrdNo>
            <brokerLei>549300RA02N3BNSWBV74</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>41851.23000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS Securities LLC</brokerName>
            <brokerFileNo>8-22651</brokerFileNo>
            <brokerCrdNo>000007654</brokerCrdNo>
            <brokerLei>T6FIZBDPKLYJKFCRVK44</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>21230.51000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-00129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>21732.48999999</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen and Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>17145.74000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>60806.89000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>42771.11000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BTIG, LLC</brokerName>
            <brokerFileNo>8-65473</brokerFileNo>
            <brokerCrdNo>000122225</brokerCrdNo>
            <brokerLei>549300GTG9PL6WO3EC51</brokerLei>
            <brokerStateCountry brokerState="US-CA" brokerCountry="US"/>
            <grossCommission>64137.66000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>550534.31000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Societe Generale</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>O2RNE8IBXP4R0TD8PU41</principalLei>
            <principalCountry>FR</principalCountry>
            <principalTotalPurchaseSale>53374997.49000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>15457806.53999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Capital Guardian, LLC</principalName>
            <principalFileNo>8-67133</principalFileNo>
            <principalCrdNo>000137919</principalCrdNo>
            <principalLei>N/A</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>20193665.29000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3197400.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Virtu Americas LLC</principalName>
            <principalFileNo>8-68193</principalFileNo>
            <principalCrdNo>000149823</principalCrdNo>
            <principalLei>549300RA02N3BNSWBV74</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>47832.66000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS Securities LLC</principalName>
            <principalFileNo>8-22651</principalFileNo>
            <principalCrdNo>000007654</principalCrdNo>
            <principalLei>T6FIZBDPKLYJKFCRVK44</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1349415.90000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>SG Americas Securities, LLC</principalName>
            <principalFileNo>8-66125</principalFileNo>
            <principalCrdNo>000128351</principalCrdNo>
            <principalLei>549300F35UE0BOM1WJ55</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>47819221.25999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>691577.45000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>262871672.68000001</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Instinet, LLC</principalName>
            <principalFileNo>8-23669</principalFileNo>
            <principalCrdNo>000007897</principalCrdNo>
            <principalLei>549300MGMN3RKMU8FT57</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1594211.76000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>408266924.37000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>379940511.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay Floating Rate Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000028529</mgmtInvSeriesId>
        <mgmtInvLei>549300TKK2EWM1KEEX83</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>8</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000087336" sharesOutstandingTickerSymbol="MXFCX"/>
          <sharesOutstanding sharesOutstandingClassName="Class B" sharesOutstandingClassId="C000087335" sharesOutstandingTickerSymbol="MXFBX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000087337" sharesOutstandingTickerSymbol="MXFIX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000087333" sharesOutstandingTickerSymbol="MXFNX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R3" sharesOutstandingClassId="C000166839" sharesOutstandingTickerSymbol="MXFHX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000087334" sharesOutstandingTickerSymbol="MXFAX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R6" sharesOutstandingClassId="C000185929" sharesOutstandingTickerSymbol="MXFEX"/>
          <sharesOutstanding sharesOutstandingClassName="SIMPLE Class" sharesOutstandingClassId="C000221660" sharesOutstandingTickerSymbol="MXFMX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>0.00000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>N</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>NYL Investors LLC</subAdviserName>
            <subAdviserFileNo>801-78759</subAdviserFileNo>
            <subAdviserCrdNo>000169553</subAdviserCrdNo>
            <subAdviserLei>5493000EG09WOQURS721</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company (Edinburgh, GB, Branch)</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Euroclear</custodianName>
            <custodianLei>549300OZ46BRLZ8Y6F65</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign securities depository - rule 17f-7 (17 CFR 270.17f-7)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.00000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Barclays Capital, Inc.</principalName>
            <principalFileNo>8-41342</principalFileNo>
            <principalCrdNo>000019714</principalCrdNo>
            <principalLei>AC28XWWI3WIBK2824319</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>660359280.80999994</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>79022340.40000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>RBC Capital Markets, LLC</principalName>
            <principalFileNo>8-45411</principalFileNo>
            <principalCrdNo>000031194</principalCrdNo>
            <principalLei>549300LCO2FLSSVFFR64</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>80775442.14000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>168445335.56000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-00129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>424275402.48000002</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</principalName>
            <principalFileNo>8-07221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>50443315.92000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>120888667.01000001</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Nomura Securities International, Inc.</principalName>
            <principalFileNo>8-15255</principalFileNo>
            <principalCrdNo>000004297</principalCrdNo>
            <principalLei>OXTKY6Q8X53C9ILVV871</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>233596618.43000001</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BofA Securities, Inc.</principalName>
            <principalFileNo>8-69787</principalFileNo>
            <principalCrdNo>000283942</principalCrdNo>
            <principalLei>549300HN4UKV1E2R3U73</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>569881817.71000004</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNP Paribas Securities Corp.</principalName>
            <principalFileNo>8-32682</principalFileNo>
            <principalCrdNo>000015794</principalCrdNo>
            <principalLei>RCNB6OTYUAMMP879YW96</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>83402704.92000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>2532918321.11000010</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1492658477.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay U.S. Government Liquidity Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000063122</mgmtInvSeriesId>
        <mgmtInvLei>549300Y3ZLEL13IJCK58</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>1</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000204698" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Money Market Fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>N</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>0.00000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>N</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>NYL Investors LLC</subAdviserName>
            <subAdviserFileNo>801-78759</subAdviserFileNo>
            <subAdviserCrdNo>000169553</subAdviserCrdNo>
            <subAdviserLei>5493000EG09WOQURS721</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.00000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-00129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3067422626.33999970</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>RBC Capital Markets, LLC</principalName>
            <principalFileNo>8-45411</principalFileNo>
            <principalCrdNo>000031194</principalCrdNo>
            <principalLei>549300LCO2FLSSVFFR64</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>998092948.75999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1027900231.18999990</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1188898622.66000010</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Mizuho Securities USA LLC</principalName>
            <principalFileNo>8-37710</principalFileNo>
            <principalCrdNo>000019647</principalCrdNo>
            <principalLei>7TK5RJIZDFROZCA6XF66</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>813703477.66999996</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNP Paribas Securities Corp.</principalName>
            <principalFileNo>8-32682</principalFileNo>
            <principalCrdNo>000015794</principalCrdNo>
            <principalLei>RCNB6OTYUAMMP879YW96</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>643475650.15999997</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Nomura Securities International, Inc.</principalName>
            <principalFileNo>8-15255</principalFileNo>
            <principalCrdNo>000004297</principalCrdNo>
            <principalLei>OXTKY6Q8X53C9ILVV871</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2235077504.40999980</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>504732193.85000002</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Capital, Inc.</principalName>
            <principalFileNo>8-41342</principalFileNo>
            <principalCrdNo>000019714</principalCrdNo>
            <principalLei>AC28XWWI3WIBK2824319</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3641250758.15000010</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BofA Securities, Inc.</principalName>
            <principalFileNo>8-69787</principalFileNo>
            <principalCrdNo>000283942</principalCrdNo>
            <principalLei>549300HN4UKV1E2R3U73</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2117908029.72000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>16833218675.11000100</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <dailyAvgNetAssets>1276389960.00000000</dailyAvgNetAssets>
        <hasLineOfCredit>N</hasLineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay Conservative Allocation Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000028532</mgmtInvSeriesId>
        <mgmtInvLei>549300GI3BTC5N4VFN57</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>10</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000087351" sharesOutstandingTickerSymbol="MCKAX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000087350" sharesOutstandingTickerSymbol="MCKNX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000087353" sharesOutstandingTickerSymbol="MCKCX"/>
          <sharesOutstanding sharesOutstandingClassName="SIMPLE Class" sharesOutstandingClassId="C000221661" sharesOutstandingTickerSymbol="MCKSX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R2" sharesOutstandingClassId="C000210249" sharesOutstandingTickerSymbol="MCKKX"/>
          <sharesOutstanding sharesOutstandingClassName="Class B" sharesOutstandingClassId="C000087352" sharesOutstandingTickerSymbol="MCKBX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000087354" sharesOutstandingTickerSymbol="MCKIX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R3" sharesOutstandingClassId="C000166840" sharesOutstandingTickerSymbol="MCKRX"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>0.00000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.00000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>JANE STREET EXECUTION SERVICES LLC</principalName>
            <principalFileNo>8-69254</principalFileNo>
            <principalCrdNo>000167280</principalCrdNo>
            <principalLei>549300HXJLXCPDWAH070</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>449073.13999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Virtu Americas LLC</principalName>
            <principalFileNo>8-68193</principalFileNo>
            <principalCrdNo>000149823</principalCrdNo>
            <principalLei>549300RA02N3BNSWBV74</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>7224949.04000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citadel Securities LLC</principalName>
            <principalFileNo>8-53574</principalFileNo>
            <principalCrdNo>000116797</principalCrdNo>
            <principalLei>12UUJYTN7D3SW8KCSG25</principalLei>
            <principalStateCountry principalState="US-IL" principalCountry="US"/>
            <principalTotalPurchaseSale>6892426.20000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>FNY Capital Management LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>549300PXOMC0L1OHLQ47</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>7343246.58999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>151877893.11000001</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>17295332.45999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jane Street Capital, LLC</principalName>
            <principalFileNo>8-52275</principalFileNo>
            <principalCrdNo>000103782</principalCrdNo>
            <principalLei>549300ZM16HMPEPNV857</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>6928054.07000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>961213.58000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BofA Securities, Inc.</principalName>
            <principalFileNo>8-69787</principalFileNo>
            <principalCrdNo>000283942</principalCrdNo>
            <principalLei>549300HN4UKV1E2R3U73</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>372522.08000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</principalName>
            <principalFileNo>8-07221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3284381.72000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>202629091.98999998</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>498011812.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay MacKay S&amp;P 500 Index Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000028525</mgmtInvSeriesId>
        <mgmtInvLei>5493003KCMU84KHQDX98</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>5</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000087314" sharesOutstandingTickerSymbol="MSPIX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000087313" sharesOutstandingTickerSymbol="MSXAX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000087312" sharesOutstandingTickerSymbol="MYSPX"/>
          <sharesOutstanding sharesOutstandingClassName="SIMPLE Class" sharesOutstandingClassId="C000221659" sharesOutstandingTickerSymbol="MSXMX"/>
        </sharesOutstandings>
        <fundTypes>
          <indexFundInfo fundType="Index Fund">
            <isIndexFundAffiliated>N</isIndexFundAffiliated>
            <isIndexFundExclusive>N</isIndexFundExclusive>
            <indexFundReturnDiffBeforeExpense>0.010000000</indexFundReturnDiffBeforeExpense>
            <indexFundReturnDiffAfterExpense>-0.35000000</indexFundReturnDiffAfterExpense>
            <indexFundReturnDailyStdevBeforeExpense>0.15000000</indexFundReturnDailyStdevBeforeExpense>
            <indexFundReturnDailyStdevAfterExpense>0.15000000</indexFundReturnDailyStdevAfterExpense>
          </indexFundInfo>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>1014573.95000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>21564.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>N</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>MacKay Shields LLC</subAdviserName>
            <subAdviserFileNo>801-5594</subAdviserFileNo>
            <subAdviserCrdNo>000107717</subAdviserCrdNo>
            <subAdviserLei>549300Y7LLCOFU7R8H16</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Wells Fargo Securities, LLC</brokerName>
            <brokerFileNo>8-65876</brokerFileNo>
            <brokerCrdNo>000126292</brokerCrdNo>
            <brokerLei>VYVVCKR63DVZZN70PB21</brokerLei>
            <brokerStateCountry brokerState="US-NC" brokerCountry="US"/>
            <grossCommission>401.89000000</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS Securities LLC</brokerName>
            <brokerFileNo>8-22651</brokerFileNo>
            <brokerCrdNo>000007654</brokerCrdNo>
            <brokerLei>T6FIZBDPKLYJKFCRVK44</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>11359.39000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1856.87000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-00129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>10069.78000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen and Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>189.10000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BTIG, LLC</brokerName>
            <brokerFileNo>8-65473</brokerFileNo>
            <brokerCrdNo>000122225</brokerCrdNo>
            <brokerLei>549300GTG9PL6WO3EC51</brokerLei>
            <brokerStateCountry brokerState="US-CA" brokerCountry="US"/>
            <grossCommission>96.17000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-08177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>951.29000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Virtu Americas LLC</brokerName>
            <brokerFileNo>8-68193</brokerFileNo>
            <brokerCrdNo>000149823</brokerCrdNo>
            <brokerLei>549300RA02N3BNSWBV74</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1592.51000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Siebert Williams Shank &amp; Co., LLC</brokerName>
            <brokerFileNo>8-49877</brokerFileNo>
            <brokerCrdNo>000042568</brokerCrdNo>
            <brokerLei>254900VTARX8RAY9QK77</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1202.50000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citadel Securities LLC</brokerName>
            <brokerFileNo>8-53574</brokerFileNo>
            <brokerCrdNo>000116797</brokerCrdNo>
            <brokerLei>12UUJYTN7D3SW8KCSG25</brokerLei>
            <brokerStateCountry brokerState="US-IL" brokerCountry="US"/>
            <grossCommission>250.06000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>28072.38000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</principalName>
            <principalFileNo>8-07221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>19498531.21999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>121987458.59000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Bank of New York Mellon Corp.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>WFLLPEPC7FZXENRZV188</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>9299295.51999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>29631208.64000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BofA Securities, Inc.</principalName>
            <principalFileNo>8-69787</principalFileNo>
            <principalCrdNo>000283942</principalCrdNo>
            <principalLei>549300HN4UKV1E2R3U73</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>49041960.63000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3875571.91000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>80949234.85999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS Securities LLC</principalName>
            <principalFileNo>8-22651</principalFileNo>
            <principalCrdNo>000007654</principalCrdNo>
            <principalLei>T6FIZBDPKLYJKFCRVK44</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>37794513.32999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Societe Generale</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>O2RNE8IBXP4R0TD8PU41</principalLei>
            <principalCountry>FR</principalCountry>
            <principalTotalPurchaseSale>11174828.85000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>194727614.62000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>572244452.93000007</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1348391984.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay Short Term Bond Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000028536</mgmtInvSeriesId>
        <mgmtInvLei>549300O98OR0VH1HJ155</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>5</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="SIMPLE Class" sharesOutstandingClassId="C000221665" sharesOutstandingTickerSymbol="MIXMX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000087370" sharesOutstandingTickerSymbol="MIXIX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000087371" sharesOutstandingTickerSymbol="MIXNX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000087372" sharesOutstandingTickerSymbol="MIXAX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>0.00000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>N</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>NYL Investors LLC</subAdviserName>
            <subAdviserFileNo>801-78759</subAdviserFileNo>
            <subAdviserCrdNo>000169553</subAdviserCrdNo>
            <subAdviserLei>5493000EG09WOQURS721</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>Y</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>RBC Capital Markets, LLC</brokerName>
            <brokerFileNo>8-45411</brokerFileNo>
            <brokerCrdNo>000031194</brokerCrdNo>
            <brokerLei>549300LCO2FLSSVFFR64</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5263.77000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>5263.77000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>104416824.56000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Nomura Securities International, Inc.</principalName>
            <principalFileNo>8-15255</principalFileNo>
            <principalCrdNo>000004297</principalCrdNo>
            <principalLei>OXTKY6Q8X53C9ILVV871</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>15726782.78999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BofA Securities, Inc.</principalName>
            <principalFileNo>8-69787</principalFileNo>
            <principalCrdNo>000283942</principalCrdNo>
            <principalLei>549300HN4UKV1E2R3U73</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>21153726.46999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>UBS Securities LLC</principalName>
            <principalFileNo>8-22651</principalFileNo>
            <principalCrdNo>000007654</principalCrdNo>
            <principalLei>T6FIZBDPKLYJKFCRVK44</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>20193683.25000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>SG Americas Securities, LLC</principalName>
            <principalFileNo>8-66125</principalFileNo>
            <principalCrdNo>000128351</principalCrdNo>
            <principalLei>549300F35UE0BOM1WJ55</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>25718433.57999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>39340015.83000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>175501607.68000001</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-00129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>16369591.02999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>27265838.21999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>75619299.95999999</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>630478143.14999998</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>99155832.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay Epoch International Choice Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000028522</mgmtInvSeriesId>
        <mgmtInvLei>549300FPTWJRAID17352</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>9</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class R3" sharesOutstandingClassId="C000087301" sharesOutstandingTickerSymbol="ICEZX"/>
          <sharesOutstanding sharesOutstandingClassName="SIMPLE Class" sharesOutstandingClassId="C000221657" sharesOutstandingTickerSymbol="ICERX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000087295" sharesOutstandingTickerSymbol="ICELX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000087298" sharesOutstandingTickerSymbol="ICEUX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000087297" sharesOutstandingTickerSymbol="ICEWX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000087296" sharesOutstandingTickerSymbol="ICEVX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R2" sharesOutstandingClassId="C000087300" sharesOutstandingTickerSymbol="ICEYX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R1" sharesOutstandingClassId="C000087299" sharesOutstandingTickerSymbol="ICETX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>13690641.96000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>55914.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Epoch Investment Partners, Inc.</subAdviserName>
            <subAdviserFileNo>801-63118</subAdviserFileNo>
            <subAdviserCrdNo>000131556</subAdviserCrdNo>
            <subAdviserLei>549300FT720Z0BVCWS87</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Bank Handlowy w. Warszawie S.A.</custodianName>
            <custodianLei>XLEZHWWOI4HFQDGL4793</custodianLei>
            <custodianCountry>PL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>FirstRand Bank Limited</custodianName>
            <custodianLei>ZAYQDKTCATIXF9OQY690</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank Malaysia Berhad</custodianName>
            <custodianLei>P3RPN9OJFCXUPJWB1Q09</custodianLei>
            <custodianCountry>MY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DBS Bank Ltd</custodianName>
            <custodianLei>ATUEL7OJR5057F2PV266</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>SE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>ID</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>IN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>NZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan S.A. DTVM</custodianName>
            <custodianLei>5493001LS7J56NZZ3G07</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>DE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Leumi le-Israel B.M.</custodianName>
            <custodianLei>7JDSZWRGUQY2DSTWCR57</custodianLei>
            <custodianCountry>IL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>PT Bank HSBC Indonesia</custodianName>
            <custodianLei>213800HW5IDIRLWH1203</custodianLei>
            <custodianCountry>ID</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BNP Paribas Securities Services S.C.A.</custodianName>
            <custodianLei>549300WCGB70D06XZS54</custodianLei>
            <custodianCountry>GR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank Societa per Azioni</custodianName>
            <custodianLei>529900SS7ZWCX82U3W60</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UniCredit Bank Austria AG</custodianName>
            <custodianLei>D1HEB8VEU6D9M8ZUXG17</custodianLei>
            <custodianCountry>AT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Nordea Bank Abp</custodianName>
            <custodianLei>529900ODI3047E2LIV03</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>PH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>FI</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BNP Paribas Securities Services S.C.A.</custodianName>
            <custodianLei>549300WCGB70D06XZS54</custodianLei>
            <custodianCountry>PT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>PH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Santander Securities Services, S.A.</custodianName>
            <custodianLei>95980020140005970915</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BNP Paribas Securities Services S.C.A.</custodianName>
            <custodianLei>549300WCGB70D06XZS54</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UniCredit Bank Czech Republic and Slovakia, a.s.</custodianName>
            <custodianLei>KR6LSKV3BTSJRD41IF75</custodianLei>
            <custodianCountry>CZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UBS Switzerland AG</custodianName>
            <custodianLei>549300WOIFUSNYH0FL22</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Trust Company Canada</custodianName>
            <custodianLei>549300L71XG2CTQ2V827</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Ceskoslovenska obchodni banka, a. s.</custodianName>
            <custodianLei>Q5BP2UEQ48R75BOTCB92</custodianLei>
            <custodianCountry>CZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank (Thai) Public Company Limited</custodianName>
            <custodianLei>549300O1LQYCQ7G1IM57</custodianLei>
            <custodianCountry>TH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken A/S</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Hapoalim B.M.</custodianName>
            <custodianLei>B6ARUI4946ST4S7WOU88</custodianLei>
            <custodianCountry>IL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Euroclear</custodianName>
            <custodianLei>549300OZ46BRLZ8Y6F65</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign securities depository - rule 17f-7 (17 CFR 270.17f-7)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company (Edinburgh, GB, Branch)</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank (China) Company Limited</custodianName>
            <custodianLei>2CZOJRADNJXBLT55G526</custodianLei>
            <custodianCountry>CN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>TW</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Royal Bank of Canada</custodianName>
            <custodianLei>ES7IP3U3RHIGC71XBU11</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>IN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>NZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>NO</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank International GmbH</custodianName>
            <custodianLei>ZMHGNT7ZPKZ3UFZ8EO46</custodianLei>
            <custodianCountry>DE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco Nacional de Mexico, S.A.</custodianName>
            <custodianLei>2SFFM4FUIE05S37WFU55</custodianLei>
            <custodianCountry>MX</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC France Athens Branch</custodianName>
            <custodianLei>MP6I5ZYZBEU3UXPYFY54</custodianLei>
            <custodianCountry>GR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Mizuho Bank, Ltd.</custodianName>
            <custodianLei>RB0PEZSDGCO3JS6CEU02</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank, Sociedad Anonima Espanola</custodianName>
            <custodianLei>529900SICIK5OVMVY186</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Standard Bank of South Africa Limited</custodianName>
            <custodianLei>QFC8ZCW3Q5PRXU1XTM60</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank (Malaysia) Berhad</custodianName>
            <custodianLei>529900DLWFR8HK7DR278</custodianLei>
            <custodianCountry>MY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>UBS Securities LLC</brokerName>
            <brokerFileNo>8-22651</brokerFileNo>
            <brokerCrdNo>000007654</brokerCrdNo>
            <brokerLei>T6FIZBDPKLYJKFCRVK44</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9112.59000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Sanford C. Bernstein &amp; Co., LLC</brokerName>
            <brokerFileNo>8-52942</brokerFileNo>
            <brokerCrdNo>000104474</brokerCrdNo>
            <brokerLei>549300I7JYZHT7D5CO04</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>31138.67000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Mizuho Securities USA LLC</brokerName>
            <brokerFileNo>8-37710</brokerFileNo>
            <brokerCrdNo>000019647</brokerCrdNo>
            <brokerLei>7TK5RJIZDFROZCA6XF66</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>13004.90000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Agricole Securities (USA) Inc.</brokerName>
            <brokerFileNo>8-13753</brokerFileNo>
            <brokerCrdNo>000000190</brokerCrdNo>
            <brokerLei>549300WO2DKF0Q3YMV43</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4778.10999999</grossCommission>
          </broker>
          <broker>
            <brokerName>Daiwa Capital Markets America Inc.</brokerName>
            <brokerFileNo>8-12242</brokerFileNo>
            <brokerCrdNo>000001576</brokerCrdNo>
            <brokerLei>M67H5PRC0NQKM73ZAS82</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5667.51000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>24932.37000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Exane, Inc.</brokerName>
            <brokerFileNo>8-49569</brokerFileNo>
            <brokerCrdNo>000041784</brokerCrdNo>
            <brokerLei>6SDWK6FV8H98XAGSYS75</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>47335.15000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>30798.00000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</brokerName>
            <brokerFileNo>8-07221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>7537.06000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Berenberg Capital Markets LLC</brokerName>
            <brokerFileNo>8-68821</brokerFileNo>
            <brokerCrdNo>000156757</brokerCrdNo>
            <brokerLei>5493007EG0CYRKKG9L11</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>8651.27000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>204040.88000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>24661170.56000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>172720627.38000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>197381797.94000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>316077238.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay Epoch U.S. Equity Yield Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000026784</mgmtInvSeriesId>
        <mgmtInvLei>549300VUF2DM62SGU537</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>10</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000080509" sharesOutstandingTickerSymbol="EPLCX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000080507" sharesOutstandingTickerSymbol="EPLPX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R2" sharesOutstandingClassId="C000180193" sharesOutstandingTickerSymbol="EPLSX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000080508" sharesOutstandingTickerSymbol="EPLKX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R1" sharesOutstandingClassId="C000180192" sharesOutstandingTickerSymbol="EPLRX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R6" sharesOutstandingClassId="C000180195" sharesOutstandingTickerSymbol="EPLDX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000080506" sharesOutstandingTickerSymbol="EPLIX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R3" sharesOutstandingClassId="C000180194" sharesOutstandingTickerSymbol="EPLTX"/>
          <sharesOutstanding sharesOutstandingClassName="SIMPLE Class" sharesOutstandingClassId="C000221654" sharesOutstandingTickerSymbol="EPLMX"/>
          <sharesOutstanding sharesOutstandingClassName="Class B" sharesOutstandingClassId="C000180191" sharesOutstandingTickerSymbol="EPLBX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>8313679.59999999</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>2597.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Epoch Investment Partners, Inc.</subAdviserName>
            <subAdviserFileNo>801-63118</subAdviserFileNo>
            <subAdviserCrdNo>000131556</subAdviserCrdNo>
            <subAdviserLei>549300FT720Z0BVCWS87</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>UBS Securities LLC</brokerName>
            <brokerFileNo>8-22651</brokerFileNo>
            <brokerCrdNo>000007654</brokerCrdNo>
            <brokerLei>T6FIZBDPKLYJKFCRVK44</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4294.10999999</grossCommission>
          </broker>
          <broker>
            <brokerName>Barclays Capital, Inc.</brokerName>
            <brokerFileNo>8-41342</brokerFileNo>
            <brokerCrdNo>000019714</brokerCrdNo>
            <brokerLei>AC28XWWI3WIBK2824319</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5143.79000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-00129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5723.30000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</brokerName>
            <brokerFileNo>8-07221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4383.93000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>30347.22000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3309.11000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-08177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2048.25000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Stifel, Nicolaus &amp; Company, Incorporated</brokerName>
            <brokerFileNo>8-01447</brokerFileNo>
            <brokerCrdNo>000000793</brokerCrdNo>
            <brokerLei>5WUVMA08EYG4KEUPW589</brokerLei>
            <brokerStateCountry brokerState="US-MO" brokerCountry="US"/>
            <grossCommission>1067.58000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Sanford C. Bernstein &amp; Co., LLC</brokerName>
            <brokerFileNo>8-52942</brokerFileNo>
            <brokerCrdNo>000104474</brokerCrdNo>
            <brokerLei>549300I7JYZHT7D5CO04</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>12196.79000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1603.71000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>72701.23000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>285123755.33999997</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>28517072.47999999</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>313640827.81999999</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1033462586.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay Balanced Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000036714</mgmtInvSeriesId>
        <mgmtInvLei>549300DL5ZTPAWGC6G97</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>10</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000112258" sharesOutstandingTickerSymbol="MBNAX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000112261" sharesOutstandingTickerSymbol="MBAIX"/>
          <sharesOutstanding sharesOutstandingClassName="Class B" sharesOutstandingClassId="C000112259" sharesOutstandingTickerSymbol="MBNBX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R6" sharesOutstandingClassId="C000185940" sharesOutstandingTickerSymbol="MBERX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000112265" sharesOutstandingTickerSymbol="MBINX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R3" sharesOutstandingClassId="C000112264" sharesOutstandingTickerSymbol="MBDRX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R1" sharesOutstandingClassId="C000112262" sharesOutstandingTickerSymbol="MBNRX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000112260" sharesOutstandingTickerSymbol="MBACX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R2" sharesOutstandingClassId="C000112263" sharesOutstandingTickerSymbol="MBCRX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>5276386.20000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>92502.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>NYL Investors LLC</subAdviserName>
            <subAdviserFileNo>801-78759</subAdviserFileNo>
            <subAdviserCrdNo>000169553</subAdviserCrdNo>
            <subAdviserLei>5493000EG09WOQURS721</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
          <subAdviser>
            <subAdviserName>Wellington Management Company LLP</subAdviserName>
            <subAdviserFileNo>801-15908</subAdviserFileNo>
            <subAdviserCrdNo>000106595</subAdviserCrdNo>
            <subAdviserLei>549300YHP12TEZNLCX41</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <subAdviserHired isSubAdviserHired="Y" subAdviserStartDate="2021-03-05"/>
          </subAdviser>
        </subAdvisers>
        <subAdvisersTerminated>
          <subAdviserTerminated>
            <subAdviserTerminatedName>MacKay Shields LLC</subAdviserTerminatedName>
            <subAdviserTerminatedFileNo>801-5594</subAdviserTerminatedFileNo>
            <subAdviserTerminatedCrdNo>000107717</subAdviserTerminatedCrdNo>
            <subAdviserTerminatedLei>549300Y7LLCOFU7R8H16</subAdviserTerminatedLei>
            <subAdviserTerminatedStateCountry subAdviserTerminatedState="US-NY" subAdviserTerminatedCountry="US"/>
            <subAdviserTerminationDate>2021-03-04</subAdviserTerminationDate>
          </subAdviserTerminated>
        </subAdvisersTerminated>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Euroclear</custodianName>
            <custodianLei>549300OZ46BRLZ8Y6F65</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign securities depository - rule 17f-7 (17 CFR 270.17f-7)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>UBS Switzerland AG</custodianName>
            <custodianLei>549300WOIFUSNYH0FL22</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Royal Bank of Canada</custodianName>
            <custodianLei>ES7IP3U3RHIGC71XBU11</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Credit Suisse Securities (USA) LLC</brokerName>
            <brokerFileNo>8-00422</brokerFileNo>
            <brokerCrdNo>000000816</brokerCrdNo>
            <brokerLei>1V8Y6QCX6YMJ2OELII46</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4498.81000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Societe Generale</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>O2RNE8IBXP4R0TD8PU41</brokerLei>
            <brokerCountry>FR</brokerCountry>
            <grossCommission>12948.76000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen and Company</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>15665.99000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5554.77000000</grossCommission>
          </broker>
          <broker>
            <brokerName>FNY Capital Management LP</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>N/A</brokerCrdNo>
            <brokerLei>549300PXOMC0L1OHLQ47</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9476.64000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-08177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>57088.84000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Wells Fargo Securities, LLC</brokerName>
            <brokerFileNo>8-65876</brokerFileNo>
            <brokerCrdNo>000126292</brokerCrdNo>
            <brokerLei>VYVVCKR63DVZZN70PB21</brokerLei>
            <brokerStateCountry brokerState="US-NC" brokerCountry="US"/>
            <grossCommission>17897.49000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Virtu Americas LLC</brokerName>
            <brokerFileNo>8-68193</brokerFileNo>
            <brokerCrdNo>000149823</brokerCrdNo>
            <brokerLei>549300RA02N3BNSWBV74</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>31921.16000000</grossCommission>
          </broker>
          <broker>
            <brokerName>RBC Capital Markets, LLC</brokerName>
            <brokerFileNo>8-45411</brokerFileNo>
            <brokerCrdNo>000031194</brokerCrdNo>
            <brokerLei>549300LCO2FLSSVFFR64</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5336.87000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BTIG, LLC</brokerName>
            <brokerFileNo>8-65473</brokerFileNo>
            <brokerCrdNo>000122225</brokerCrdNo>
            <brokerLei>549300GTG9PL6WO3EC51</brokerLei>
            <brokerStateCountry brokerState="US-CA" brokerCountry="US"/>
            <grossCommission>12735.64000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>197458.33000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>UBS Securities LLC</principalName>
            <principalFileNo>8-22651</principalFileNo>
            <principalCrdNo>000007654</principalCrdNo>
            <principalLei>T6FIZBDPKLYJKFCRVK44</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>90743070.20000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>SG Americas Securities, LLC</principalName>
            <principalFileNo>8-66125</principalFileNo>
            <principalCrdNo>000128351</principalCrdNo>
            <principalLei>549300F35UE0BOM1WJ55</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>95644955.39000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BofA Securities, Inc.</principalName>
            <principalFileNo>8-69787</principalFileNo>
            <principalCrdNo>000283942</principalCrdNo>
            <principalLei>549300HN4UKV1E2R3U73</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>129223263.59000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>RBC Capital Markets, LLC</principalName>
            <principalFileNo>8-45411</principalFileNo>
            <principalCrdNo>000031194</principalCrdNo>
            <principalLei>549300LCO2FLSSVFFR64</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>86231520.12000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Natwest Markets Securities Inc.</principalName>
            <principalFileNo>8-37135</principalFileNo>
            <principalCrdNo>000011707</principalCrdNo>
            <principalLei>ZE2ZWJ5BTIQJ8M0C6K34</principalLei>
            <principalStateCountry principalState="US-CT" principalCountry="US"/>
            <principalTotalPurchaseSale>72250643.28000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>98629966.92000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-00129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>91640010.59000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>266178755.91000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>265449135.38000003</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>166183896.47999999</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1690650907.64999990</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>517440813.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay Growth Allocation Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000028534</mgmtInvSeriesId>
        <mgmtInvLei>549300VXKHL3MH2IL746</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>10</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000087363" sharesOutstandingTickerSymbol="MGDCX"/>
          <sharesOutstanding sharesOutstandingClassName="Class B" sharesOutstandingClassId="C000087362" sharesOutstandingTickerSymbol="MGDBX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R1" sharesOutstandingClassId="C000210254" sharesOutstandingTickerSymbol="MGDJX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000087360" sharesOutstandingTickerSymbol="MGDNX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000087361" sharesOutstandingTickerSymbol="MGDAX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R2" sharesOutstandingClassId="C000210253" sharesOutstandingTickerSymbol="MGDKX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R3" sharesOutstandingClassId="C000166842" sharesOutstandingTickerSymbol="MGDRX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000087364" sharesOutstandingTickerSymbol="MGDIX"/>
          <sharesOutstanding sharesOutstandingClassName="SIMPLE Class" sharesOutstandingClassId="C000221663" sharesOutstandingTickerSymbol="MGDSX"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>0.00000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>N</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <aggregateCommission>0.00000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Citadel Securities LLC</principalName>
            <principalFileNo>8-53574</principalFileNo>
            <principalCrdNo>000116797</principalCrdNo>
            <principalLei>12UUJYTN7D3SW8KCSG25</principalLei>
            <principalStateCountry principalState="US-IL" principalCountry="US"/>
            <principalTotalPurchaseSale>10606484.03999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>JANE STREET EXECUTION SERVICES LLC</principalName>
            <principalFileNo>8-69254</principalFileNo>
            <principalCrdNo>000167280</principalCrdNo>
            <principalLei>549300HXJLXCPDWAH070</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1336019.64999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jane Street Capital, LLC</principalName>
            <principalFileNo>8-52275</principalFileNo>
            <principalCrdNo>000103782</principalCrdNo>
            <principalLei>549300ZM16HMPEPNV857</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>10865331.53999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>306113467.00999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>52955270.34000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>FNY Capital Management LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>N/A</principalCrdNo>
            <principalLei>549300PXOMC0L1OHLQ47</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>11503969.63000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Virtu Americas LLC</principalName>
            <principalFileNo>8-68193</principalFileNo>
            <principalCrdNo>000149823</principalCrdNo>
            <principalLei>549300RA02N3BNSWBV74</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>19345200.02000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>100737.36000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</principalName>
            <principalFileNo>8-07221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>4354883.28000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Mischler Financial Group, Inc.</principalName>
            <principalFileNo>8-48067</principalFileNo>
            <principalCrdNo>000037818</principalCrdNo>
            <principalLei>2549004IPXPSM9EJFC92</principalLei>
            <principalStateCountry principalState="US-CA" principalCountry="US"/>
            <principalTotalPurchaseSale>20917.80000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>417210319.47000003</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>876776410.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay Epoch Global Equity Yield Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000026786</mgmtInvSeriesId>
        <mgmtInvLei>549300AP2JN3R7T55E64</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>8</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000080514" sharesOutstandingTickerSymbol="EPSPX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000080515" sharesOutstandingTickerSymbol="EPSKX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R6" sharesOutstandingClassId="C000127145" sharesOutstandingTickerSymbol="EPSRX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R2" sharesOutstandingClassId="C000138227" sharesOutstandingTickerSymbol="EPSZX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000080516" sharesOutstandingTickerSymbol="EPSYX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R3" sharesOutstandingClassId="C000166838" sharesOutstandingTickerSymbol="EPSHX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000080517" sharesOutstandingTickerSymbol="EPSIX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>11238022.60000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>178707.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>N</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>Epoch Investment Partners, Inc.</subAdviserName>
            <subAdviserFileNo>801-63118</subAdviserFileNo>
            <subAdviserCrdNo>000131556</subAdviserCrdNo>
            <subAdviserLei>549300FT720Z0BVCWS87</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken A/S</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>NO</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Santander Securities Services, S.A.</custodianName>
            <custodianLei>95980020140005970915</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>NL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Royal Bank of Canada</custodianName>
            <custodianLei>ES7IP3U3RHIGC71XBU11</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank International GmbH</custodianName>
            <custodianLei>ZMHGNT7ZPKZ3UFZ8EO46</custodianLei>
            <custodianCountry>DE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>NZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Hapoalim B.M.</custodianName>
            <custodianLei>B6ARUI4946ST4S7WOU88</custodianLei>
            <custodianCountry>IL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>FirstRand Bank Limited</custodianName>
            <custodianLei>ZAYQDKTCATIXF9OQY690</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank (Malaysia) Berhad</custodianName>
            <custodianLei>529900DLWFR8HK7DR278</custodianLei>
            <custodianCountry>MY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Standard Bank of South Africa Limited</custodianName>
            <custodianLei>QFC8ZCW3Q5PRXU1XTM60</custodianLei>
            <custodianCountry>ZA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Mizuho Bank, Ltd.</custodianName>
            <custodianLei>RB0PEZSDGCO3JS6CEU02</custodianLei>
            <custodianCountry>JP</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank del Peru S.A.</custodianName>
            <custodianLei>MYTK5NHHP1G8TVFGT193</custodianLei>
            <custodianCountry>PE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>TW</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>NZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Trust Company Canada</custodianName>
            <custodianLei>549300L71XG2CTQ2V827</custodianLei>
            <custodianCountry>CA</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco Santander Chile</custodianName>
            <custodianLei>3YJP8HORPAEXJ80D6368</custodianLei>
            <custodianCountry>CL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe plc</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>RO</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank Europe plc</custodianName>
            <custodianLei>N1FBEDJ5J41VKZLO2475</custodianLei>
            <custodianCountry>HU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC France Athens Branch</custodianName>
            <custodianLei>MP6I5ZYZBEU3UXPYFY54</custodianLei>
            <custodianCountry>GR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan S.A. DTVM</custodianName>
            <custodianLei>5493001LS7J56NZZ3G07</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Nordea Bank Abp</custodianName>
            <custodianLei>529900ODI3047E2LIV03</custodianLei>
            <custodianCountry>DK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>BR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>HK</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UniCredit Bank Czech Republic and Slovakia, a.s.</custodianName>
            <custodianLei>KR6LSKV3BTSJRD41IF75</custodianLei>
            <custodianCountry>CZ</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company (Edinburgh, GB, Branch)</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>SE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco Nacional de Mexico, S.A.</custodianName>
            <custodianLei>2SFFM4FUIE05S37WFU55</custodianLei>
            <custodianCountry>MX</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Banco de Chile</custodianName>
            <custodianLei>8B4EZFY8IHJC44TT2K84</custodianLei>
            <custodianCountry>CL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>PH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BNP Paribas Securities Services S.C.A.</custodianName>
            <custodianLei>549300WCGB70D06XZS54</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>FR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank Korea Limited</custodianName>
            <custodianLei>NUXTG47HHHM1K2L0SG39</custodianLei>
            <custodianCountry>KR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Handlowy w. Warszawie S.A.</custodianName>
            <custodianLei>XLEZHWWOI4HFQDGL4793</custodianLei>
            <custodianCountry>PL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank A.S.</custodianName>
            <custodianLei>CWZ8NZDH5SKY12Q4US31</custodianLei>
            <custodianCountry>TR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>DBS Bank Ltd</custodianName>
            <custodianLei>ATUEL7OJR5057F2PV266</custodianLei>
            <custodianCountry>SG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>PH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank Malaysia Berhad</custodianName>
            <custodianLei>P3RPN9OJFCXUPJWB1Q09</custodianLei>
            <custodianCountry>MY</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Citibank, N.A.</custodianName>
            <custodianLei>E57ODZWZ7FF32TWEFA76</custodianLei>
            <custodianCountry>EG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank Anonim Sirketi</custodianName>
            <custodianLei>789000N5SE3LWDK7OI11</custodianLei>
            <custodianCountry>TR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UniCredit Bank Austria AG</custodianName>
            <custodianLei>D1HEB8VEU6D9M8ZUXG17</custodianLei>
            <custodianCountry>AT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Bank Leumi le-Israel B.M.</custodianName>
            <custodianLei>7JDSZWRGUQY2DSTWCR57</custodianLei>
            <custodianCountry>IL</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB</custodianName>
            <custodianLei>F3JS33DEI6XQ4ZBPTN86</custodianLei>
            <custodianCountry>FI</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>AU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Standard Chartered Bank (Thai) Public Company Limited</custodianName>
            <custodianLei>549300O1LQYCQ7G1IM57</custodianLei>
            <custodianCountry>TH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>DE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank, Sociedad Anonima Espanola</custodianName>
            <custodianLei>529900SICIK5OVMVY186</custodianLei>
            <custodianCountry>ES</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank Societa per Azioni</custodianName>
            <custodianLei>529900SS7ZWCX82U3W60</custodianLei>
            <custodianCountry>IT</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Euroclear</custodianName>
            <custodianLei>549300OZ46BRLZ8Y6F65</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign securities depository - rule 17f-7 (17 CFR 270.17f-7)</custodyType>
          </custodian>
          <custodian>
            <custodianName>HSBC Bank (China) Company Limited</custodianName>
            <custodianLei>2CZOJRADNJXBLT55G526</custodianLei>
            <custodianCountry>CN</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>UBS Switzerland AG</custodianName>
            <custodianLei>549300WOIFUSNYH0FL22</custodianLei>
            <custodianCountry>CH</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank AG</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>HU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>J.P. Morgan Bank Luxembourg S.A.</custodianName>
            <custodianLei>7W1GMC6J4KGLBBUSYP52</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>BNP Paribas Securities Services S.C.A.</custodianName>
            <custodianLei>549300WCGB70D06XZS54</custodianLei>
            <custodianCountry>GR</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-00129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>8700.43999999</grossCommission>
          </broker>
          <broker>
            <brokerName>UBS Securities LLC</brokerName>
            <brokerFileNo>8-22651</brokerFileNo>
            <brokerCrdNo>000007654</brokerCrdNo>
            <brokerLei>T6FIZBDPKLYJKFCRVK44</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>37322.65999999</grossCommission>
          </broker>
          <broker>
            <brokerName>CLSA Americas, LLC</brokerName>
            <brokerFileNo>8-69166</brokerFileNo>
            <brokerCrdNo>000165533</brokerCrdNo>
            <brokerLei>213800M2DXATWY7JMS07</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>15120.45000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>10396.35000000</grossCommission>
          </broker>
          <broker>
            <brokerName>RBC Capital Markets, LLC</brokerName>
            <brokerFileNo>8-45411</brokerFileNo>
            <brokerCrdNo>000031194</brokerCrdNo>
            <brokerLei>549300LCO2FLSSVFFR64</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>8074.86000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Sanford C. Bernstein &amp; Co., LLC</brokerName>
            <brokerFileNo>8-52942</brokerFileNo>
            <brokerCrdNo>000104474</brokerCrdNo>
            <brokerLei>549300I7JYZHT7D5CO04</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>54221.24000000</grossCommission>
          </broker>
          <broker>
            <brokerName>CITIC Securities International USA, LLC</brokerName>
            <brokerFileNo>8-68887</brokerFileNo>
            <brokerCrdNo>000158266</brokerCrdNo>
            <brokerLei>N/A</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>15251.29000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</brokerName>
            <brokerFileNo>8-07221</brokerFileNo>
            <brokerCrdNo>000007691</brokerCrdNo>
            <brokerLei>8NAV47T0Y26Q87Y0QP81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>36756.44999999</grossCommission>
          </broker>
          <broker>
            <brokerName>Barclays Capital, Inc.</brokerName>
            <brokerFileNo>8-41342</brokerFileNo>
            <brokerCrdNo>000019714</brokerCrdNo>
            <brokerLei>AC28XWWI3WIBK2824319</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>10748.34000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>26306.82000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>260747.16999999</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>584768675.99000001</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>109113678.44000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>693882354.43000007</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1204701476.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <creditLineUsed isCreditLineUsed="Y" averageCreditLineUsed="33880000.00000000" daysCreditUsed="10"/>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay MacKay New York Tax Free Opportunities Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000036992</mgmtInvSeriesId>
        <mgmtInvLei>5493000QL2DGK8JJHL76</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>7</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000113210" sharesOutstandingTickerSymbol="MNOAX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000113213" sharesOutstandingTickerSymbol="MNOVX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R6" sharesOutstandingClassId="C000185944" sharesOutstandingTickerSymbol="MNODX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000113211" sharesOutstandingTickerSymbol="MNOCX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000113212" sharesOutstandingTickerSymbol="MNOIX"/>
          <sharesOutstanding sharesOutstandingClassName="Class C2" sharesOutstandingClassId="C000221672" sharesOutstandingTickerSymbol="MNOLX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>0.00000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>0.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>Y</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>MacKay Shields LLC</subAdviserName>
            <subAdviserFileNo>801-5594</subAdviserFileNo>
            <subAdviserCrdNo>000107717</subAdviserCrdNo>
            <subAdviserLei>549300Y7LLCOFU7R8H16</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>263.20000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-00129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>529.41999999</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>792.62000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Roosevelt &amp; Cross, Incorporated</principalName>
            <principalFileNo>8-19363</principalFileNo>
            <principalCrdNo>000006964</principalCrdNo>
            <principalLei>N/A</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>18177427.05000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>110421540.25000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Capital, Inc.</principalName>
            <principalFileNo>8-41342</principalFileNo>
            <principalCrdNo>000019714</principalCrdNo>
            <principalLei>AC28XWWI3WIBK2824319</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>27338760.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</principalName>
            <principalFileNo>8-07221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>23030544.50000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Industrial and Commercial Bank of China Financial Services LLC</principalName>
            <principalFileNo>8-66471</principalFileNo>
            <principalCrdNo>000131487</principalCrdNo>
            <principalLei>5493003O0P1GJ0O8CI80</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>12300000.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>791729775.36000001</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>19296221.39999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-00129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>52171648.25000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Loop Capital Markets LLC</principalName>
            <principalFileNo>8-50140</principalFileNo>
            <principalCrdNo>000043098</principalCrdNo>
            <principalLei>254900FPPM2WN90D4786</principalLei>
            <principalStateCountry principalState="US-IL" principalCountry="US"/>
            <principalTotalPurchaseSale>22607656.80000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Mesirow Financial, Inc.</principalName>
            <principalFileNo>8-28816</principalFileNo>
            <principalCrdNo>000002764</principalCrdNo>
            <principalLei>549300BIV46SUHPOFE54</principalLei>
            <principalStateCountry principalState="US-IL" principalCountry="US"/>
            <principalTotalPurchaseSale>14684125.00000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1216370423.80999990</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1259257179.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay MacKay Short Duration High Yield Fund</mgmtInvFundName>
        <mgmtInvSeriesId>S000039301</mgmtInvSeriesId>
        <mgmtInvLei>549300WEGNK3CPOQ1307</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>8</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Class C" sharesOutstandingClassId="C000121098" sharesOutstandingTickerSymbol="MDHCX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R3" sharesOutstandingClassId="C000166846" sharesOutstandingTickerSymbol="MDHTX"/>
          <sharesOutstanding sharesOutstandingClassName="Class R2" sharesOutstandingClassId="C000121100" sharesOutstandingTickerSymbol="MDHRX"/>
          <sharesOutstanding sharesOutstandingClassName="Investor Class" sharesOutstandingClassId="C000121101" sharesOutstandingTickerSymbol="MDHVX"/>
          <sharesOutstanding sharesOutstandingClassName="Class A" sharesOutstandingClassId="C000121097" sharesOutstandingTickerSymbol="MDHAX"/>
          <sharesOutstanding sharesOutstandingClassName="Class I" sharesOutstandingClassId="C000121099" sharesOutstandingTickerSymbol="MDHIX"/>
        </sharesOutstandings>
        <fundType>N/A</fundType>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>JPMorgan Chase Bank NA</securitiesAgentName>
            <securitiesAgentLei>7H6GLXDRUGQFU57RNE97</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagers>
          <paymentToAgentManagerType>Revenue sharing split</paymentToAgentManagerType>
          <paymentToAgentManagerType>Cash collateral reinvestment fee</paymentToAgentManagerType>
        </paymentToAgentManagers>
        <avgPortfolioSecuritiesValue>0.00000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>60.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>Y</isExpenseLimitationInPlace>
        <isExpenseReducedOrWaived>N</isExpenseReducedOrWaived>
        <isFeesWaivedRecoupable>N</isFeesWaivedRecoupable>
        <isExpenseWaivedRecoupable>N</isExpenseWaivedRecoupable>
        <investmentAdvisers>
          <investmentAdviser>
            <investmentAdviserName>New York Life Investment Management LLC</investmentAdviserName>
            <investmentAdviserFileNo>801-57396</investmentAdviserFileNo>
            <investmentAdviserCrdNo>000109591</investmentAdviserCrdNo>
            <investmentAdviserLei>IGJ1X7QLRC5K7CY9GE11</investmentAdviserLei>
            <investmentAdviserStateCountry investmentAdviserState="US-NY" investmentAdviserCountry="US"/>
            <isInvestmentAdviserHired>N</isInvestmentAdviserHired>
          </investmentAdviser>
        </investmentAdvisers>
        <subAdvisers>
          <subAdviser>
            <subAdviserName>MacKay Shields LLC</subAdviserName>
            <subAdviserFileNo>801-5594</subAdviserFileNo>
            <subAdviserCrdNo>000107717</subAdviserCrdNo>
            <subAdviserLei>549300Y7LLCOFU7R8H16</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <transferAgents>
          <transferAgent>
            <transferAgentName>DST Asset Manager Solutions, Inc.</transferAgentName>
            <transferAgentFileNo>84-00896</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-MA" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>N</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>Y</isTransferAgentSubAgent>
          </transferAgent>
          <transferAgent>
            <transferAgentName>NYLIM Service Company LLC</transferAgentName>
            <transferAgentFileNo>084-05844</transferAgentFileNo>
            <transferAgentLei>00000000000000000000</transferAgentLei>
            <transferAgentStateCountry transferAgentState="US-NJ" transferAgentCountry="US"/>
            <isTransferAgentAffiliated>Y</isTransferAgentAffiliated>
            <isTransferAgentSubAgent>N</isTransferAgentSubAgent>
          </transferAgent>
        </transferAgents>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>IHS Markit Group Holdings Ltd</pricingServiceName>
            <pricingServiceLei>2138005LTLTVZ4WMEX25</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Pricing &amp; Reference Data, LLC</pricingServiceName>
            <pricingServiceLei>5493000NQ9LYLDBCTL34</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Dixon Hughes Goodman LLP</pricingServiceName>
            <pricingServiceLei>56-0747981</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NC" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ITG, Inc.</pricingServiceName>
            <pricingServiceLei>000029299</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>PricingDirect Inc.</pricingServiceName>
            <pricingServiceLei>549300WIC0TOJ7N7GD54</pricingServiceLei>
            <pricingServiceIdNumberDesc>LEI Number</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv Global Markets Inc.</pricingServiceName>
            <pricingServiceLei>000109120</pricingServiceLei>
            <pricingServiceIdNumberDesc>CRD</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Euroclear</custodianName>
            <custodianLei>549300OZ46BRLZ8Y6F65</custodianLei>
            <custodianCountry>BE</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign securities depository - rule 17f-7 (17 CFR 270.17f-7)</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianStateCountry custodianState="US-NY" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company (Edinburgh, GB, Branch)</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>State Street Bank and Trust Company</custodianName>
            <custodianLei>571474TGEMMWANRLN572</custodianLei>
            <custodianStateCountry custodianState="US-MA" custodianCountry="US"/>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>N</isSubCustodian>
            <custodyType>Bank - section 17(f)(1) (15 U.S.C. 80a-17(f)(1))</custodyType>
          </custodian>
          <custodian>
            <custodianName>JPMorgan Chase Bank, N.A.</custodianName>
            <custodianLei>7H6GLXDRUGQFU57RNE97</custodianLei>
            <custodianCountry>GB</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>Y</isCustodianHiredOrTerminated>
        <shareholderServicingAgents>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>NYLIM Service Company LLC</shareholderServiceAgentName>
            <shareholderServiceAgentLei>084-05844</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-NJ" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>Y</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
          <shareholderServicingAgent>
            <shareholderServiceAgentName>DST Asset Manager Solutions, Inc.</shareholderServiceAgentName>
            <shareholderServiceAgentLei>84-00896</shareholderServiceAgentLei>
            <shareholderServiceIdNumberDesc>SEC File Number</shareholderServiceIdNumberDesc>
            <shareholderServiceAgentStateCountry shareholderServiceAgentState="US-MA" shareholderServiceAgentCountry="US"/>
            <isShareholderServiceAgentAffiliated>N</isShareholderServiceAgentAffiliated>
            <isShareholderServiceAgentSubshare>N</isShareholderServiceAgentSubshare>
          </shareholderServicingAgent>
        </shareholderServicingAgents>
        <isShareholderServiceHiredTerminated>N</isShareholderServiceHiredTerminated>
        <admins>
          <admin>
            <adminName>JPMorgan Chase Bank, N.A.</adminName>
            <adminLei>7H6GLXDRUGQFU57RNE97</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>New York Life Investment Management LLC</adminName>
            <adminLei>IGJ1X7QLRC5K7CY9GE11</adminLei>
            <adminStateCountry adminState="US-NY" adminCountry="US"/>
            <isAdminAffiliated>Y</isAdminAffiliated>
            <isAdminSubAdmin>N</isAdminSubAdmin>
          </admin>
          <admin>
            <adminName>State Street Bank and Trust Company</adminName>
            <adminLei>571474TGEMMWANRLN572</adminLei>
            <adminStateCountry adminState="US-MA" adminCountry="US"/>
            <isAdminAffiliated>N</isAdminAffiliated>
            <isAdminSubAdmin>Y</isAdminSubAdmin>
          </admin>
        </admins>
        <isAdminHiredOrTerminated>Y</isAdminHiredOrTerminated>
        <brokerDealers>
          <brokerDealer>
            <brokerDealerName>NYLIFE Securities LLC</brokerDealerName>
            <brokerDealerFileNo>8-15517</brokerDealerFileNo>
            <brokerDealerCrdNo>000005167</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NY" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
          <brokerDealer>
            <brokerDealerName>NYLIFE Distributors LLC</brokerDealerName>
            <brokerDealerFileNo>8-46655</brokerDealerFileNo>
            <brokerDealerCrdNo>000035350</brokerDealerCrdNo>
            <brokerDealerLei>00000000000000000000</brokerDealerLei>
            <brokerDealerStateCountry brokerDealerState="US-NJ" brokerDealerCountry="US"/>
            <brokerDealerCommission>0.00000000</brokerDealerCommission>
          </brokerDealer>
        </brokerDealers>
        <brokers>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>32.38000000</grossCommission>
          </broker>
          <broker>
            <brokerName>J.P. Morgan Securities LLC</brokerName>
            <brokerFileNo>8-35008</brokerFileNo>
            <brokerCrdNo>000000079</brokerCrdNo>
            <brokerLei>ZBUT11V806EZRVTWT807</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>232.98000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>265.36000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Merrill Lynch, Pierce, Fenner &amp; Smith Inc.</principalName>
            <principalFileNo>8-07221</principalFileNo>
            <principalCrdNo>000007691</principalCrdNo>
            <principalLei>8NAV47T0Y26Q87Y0QP81</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>74055684.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse Securities (USA) LLC</principalName>
            <principalFileNo>8-00422</principalFileNo>
            <principalCrdNo>000000816</principalCrdNo>
            <principalLei>1V8Y6QCX6YMJ2OELII46</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>30213352.05999999</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>J.P. Morgan Securities LLC</principalName>
            <principalFileNo>8-35008</principalFileNo>
            <principalCrdNo>000000079</principalCrdNo>
            <principalLei>ZBUT11V806EZRVTWT807</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>122024105.19000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-08177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>37139880.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Wells Fargo Securities, LLC</principalName>
            <principalFileNo>8-65876</principalFileNo>
            <principalCrdNo>000126292</principalCrdNo>
            <principalLei>VYVVCKR63DVZZN70PB21</principalLei>
            <principalStateCountry principalState="US-NC" principalCountry="US"/>
            <principalTotalPurchaseSale>39791150.93000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Barclays Capital, Inc.</principalName>
            <principalFileNo>8-41342</principalFileNo>
            <principalCrdNo>000019714</principalCrdNo>
            <principalLei>AC28XWWI3WIBK2824319</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>54159418.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank &amp; Trust Co.</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>49590748.91000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-00129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>65982236.25000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Deutsche Bank Securities Inc.</principalName>
            <principalFileNo>8-17822</principalFileNo>
            <principalCrdNo>000002525</principalCrdNo>
            <principalLei>9J6MBOOO7BECTDTUZW19</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>45561026.25000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>44948576.24000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>692454920.80999994</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1520320730.00000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="JPMorgan Chase Bank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Defensive ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Strategic Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Cushing MLP Premier Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Intermediate Tax Free Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Enduring Capital Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="Mainstay Short Term Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay ESG Multi-Asset Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Winslow Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Strategic Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Global Infrastructure Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington Mid Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Wellington U.S. Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Growth Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Infrastructure Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay CBRE Real Estate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP CBRE Global Infrastructure Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC International Research Equity Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP PIMCO Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Wellington Small Cap Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay WMC Small Companies Fund " secFileNo="811-22321"/>
                <creditUser fundName="MainStay Equity ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate ETF Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Winslow Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Candriam Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay WMC Value Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
    </managementInvestmentQuestionSeriesInfo>
    <attachmentsTab>
      <isLegalProceedings>false</isLegalProceedings>
      <isProvisionFinancialSupport>false</isProvisionFinancialSupport>
      <isIPAReportInternalControl>false</isIPAReportInternalControl>
      <isChangeAccPrinciples>false</isChangeAccPrinciples>
      <isInfoRequiredEO>false</isInfoRequiredEO>
      <isOtherInfoRequired>false</isOtherInfoRequired>
    </attachmentsTab>
    <signature registrantSignedName="MAINSTAY FUNDS TRUST" signedDate="2021-10-31" signature="Jack Benintende" title="Treasurer"/>
  </formData>
</edgarSubmission>
