<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns="http://www.sec.gov/edgar/ncen" xmlns:com="http://www.sec.gov/edgar/common">
  <schemaVersion>X0201</schemaVersion>
  <headerData>
    <submissionType>N-CEN</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <filer>
        <issuerCredentials>
          <cik>0000887340</cik>
          <ccc>XXXXXXXX</ccc>
        </issuerCredentials>
        <fileNumber>811-03833-01</fileNumber>
      </filer>
      <flags>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
        <confirmingCopyFlag>false</confirmingCopyFlag>
      </flags>
      <investmentCompanyType>N-1A</investmentCompanyType>
    </filerInfo>
    <seriesClass>
      <reportSeriesClass>
        <rptIncludeAllSeriesFlag>true</rptIncludeAllSeriesFlag>
      </reportSeriesClass>
    </seriesClass>
  </headerData>
  <formData>
    <generalInfo reportEndingPeriod="2019-12-31" isReportPeriodLt12="N"/>
    <registrantInfo>
      <registrantFullName>MAINSTAY VP FUNDS TRUST</registrantFullName>
      <investmentCompFileNo>811-03833-01</investmentCompFileNo>
      <registrantCik>0000887340</registrantCik>
      <registrantLei>549300AG6K4RXYNOVN04</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/vpdocuments"/>
      </websites>
      <locationBooksRecords>
        <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>31</totalSeries>
      <terminatedSeries>
        <terminatedSeriesInfo seriesName="MainStay VP Epoch U.S. Small Cap Portfolio" seriesId="S000009431" terminationDate="04/2019"/>
      </terminatedSeries>
      <isSecuritiesActRegistration>Y</isSecuritiesActRegistration>
      <directors>
        <director>
          <directorName>Jacques P. Perold</directorName>
          <crdNumber>000000000</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-22551"/>
            <fileNumberInfo fileNumber="811-04550"/>
            <fileNumberInfo fileNumber="811-22321"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Richard S. Trutanic</directorName>
          <crdNumber>000000000</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-22551"/>
            <fileNumberInfo fileNumber="811-04550"/>
            <fileNumberInfo fileNumber="811-22321"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Richard H. Nolan, Jr.</directorName>
          <crdNumber>000000000</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-22321"/>
            <fileNumberInfo fileNumber="811-22551"/>
            <fileNumberInfo fileNumber="811-04550"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Yie-Hsin Hung</directorName>
          <crdNumber>001586401</crdNumber>
          <isDirectorInterestedPerson>Y</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-04550"/>
            <fileNumberInfo fileNumber="811-22321"/>
            <fileNumberInfo fileNumber="811-22551"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>David H. Chow</directorName>
          <crdNumber>001401207</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-04550"/>
            <fileNumberInfo fileNumber="811-22551"/>
            <fileNumberInfo fileNumber="811-22321"/>
            <fileNumberInfo fileNumber="811-10325"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Susan B. Kerley</directorName>
          <crdNumber>000000000</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-06740"/>
            <fileNumberInfo fileNumber="811-22321"/>
            <fileNumberInfo fileNumber="811-04254"/>
            <fileNumberInfo fileNumber="811-06310"/>
            <fileNumberInfo fileNumber="811-05812"/>
            <fileNumberInfo fileNumber="811-04052"/>
            <fileNumberInfo fileNumber="811-22551"/>
            <fileNumberInfo fileNumber="811-04550"/>
          </fileNumbers>
        </director>
        <director>
          <directorName>Alan R. Latshaw</directorName>
          <crdNumber>000000000</crdNumber>
          <isDirectorInterestedPerson>N</isDirectorInterestedPerson>
          <fileNumbers>
            <fileNumberInfo fileNumber="811-08073"/>
            <fileNumberInfo fileNumber="811-22551"/>
            <fileNumberInfo fileNumber="811-01519"/>
            <fileNumberInfo fileNumber="811-22321"/>
            <fileNumberInfo fileNumber="811-04550"/>
            <fileNumberInfo fileNumber="811-10027"/>
          </fileNumbers>
        </director>
      </directors>
      <chiefComplianceOfficers>
        <chiefComplianceOfficer>
          <ccoName>Yi-Chia Kuo</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>Y</isCcoChangedSinceLastFiling>
          <ccoEmployers>
            <ccoEmployer ccoEmployerName="N/A" ccoEmployerId="N/A"/>
          </ccoEmployers>
        </chiefComplianceOfficer>
        <chiefComplianceOfficer>
          <ccoName>Kevin M. Bopp</ccoName>
          <crdNumber>006468135</crdNumber>
          <ccoStreet1>30 Hudson St.</ccoStreet1>
          <ccoCity>Jersey City</ccoCity>
          <ccoStateCountry ccoCountry="US" ccoState="US-NJ"/>
          <ccoZipCode>07302</ccoZipCode>
          <ccoPhone>XXXXXX</ccoPhone>
          <isCcoChangedSinceLastFiling>Y</isCcoChangedSinceLastFiling>
          <ccoEmployers>
            <ccoEmployer ccoEmployerName="N/A" ccoEmployerId="N/A"/>
          </ccoEmployers>
        </chiefComplianceOfficer>
      </chiefComplianceOfficers>
      <securityMatterSeriesInfo isRegistrantSubmittedMatter="Y">
        <seriesInfo seriesName="MainStay VP Epoch U.S. Small Cap Portfolio" seriesId="S000009431"/>
      </securityMatterSeriesInfo>
      <isPreviousLegalProceeding>N</isPreviousLegalProceeding>
      <isPreviousProceedingTerminated>N</isPreviousProceedingTerminated>
      <isClaimFiled>N</isClaimFiled>
      <coveredByInsurancePolicy isCoveredByInsurancePolicy="Y" isClaimFiledDuringPeriod="N"/>
      <isFinancialSupportDuringPeriod>N</isFinancialSupportDuringPeriod>
      <releaseNumbers isExemptionFromAct="Y">
        <releaseNumberInfo releaseNumber="IC-15758"/>
        <releaseNumberInfo releaseNumber="IC-31663"/>
        <releaseNumberInfo releaseNumber="IC-32190"/>
        <releaseNumberInfo releaseNumber="IC-17318"/>
      </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>PricewaterhouseCoopers LLP</publicAccountantName>
          <pcaobNumber>238</pcaobNumber>
          <publicAccountantLei>5493002GVO7EO8RNNS37</publicAccountantLei>
          <publicAccountantStateCountry publicAccountantCountry="US" publicAccountantState="US-NY"/>
        </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 VP Pimco Real Return Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000033931</mgmtInvSeriesId>
        <mgmtInvLei>FL0D50RT2GXIMU1UV517</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000104634" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000104633" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>89856.62000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>753.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</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>Pacific Investment Management Company LLC</subAdviserName>
            <subAdviserFileNo>801-48187</subAdviserFileNo>
            <subAdviserCrdNo>000104559</subAdviserCrdNo>
            <subAdviserLei>549300KGPYQZXGMYYN38</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-CA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Banco Itau Uruguay S.A.</custodianName>
            <custodianLei>549300HU8OQS1VTVXN55</custodianLei>
            <custodianCountry>UY</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>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>Deutsche Bank Aktiengesellschaft (Amsterdam, Noord Holland, NL, Branch)</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>Bank Handlowy w Warszawie Spolka Akcyjna</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>Skandinaviska Enskilda Banken AB (Oslo, Oslo, NO, Branch)</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>Euroclear Bank</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 (Sydney, NSW, AU, Branch)</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>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 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>BNP Paribas Securities Services (Athens, Attica, GR, Branch)</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, National Association (Sao Paulo, Sao Paulo, BR, Branch)</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>Mizuho Bank, Ltd. (Minato ku, Tokyo, JP, Branch)</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 Aktiengesellschaft (Madrid, Madrid, ES, Branch)</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</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., Integrante del Grupo Financiero Banamex</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>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>The Hongkong and Shanghai Banking Corporation Limited (Auckland, Auckland, NZ, Branch)</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>UniCredit Bank Czech Republic and Slovakia, a.s. (Bratislava, Bratislavsky, SK, Branch)</custodianName>
            <custodianLei>KR6LSKV3BTSJRD41IF75</custodianLei>
            <custodianCountry>SK</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 (Jung-gu, Seoul, KR, Branch)</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>Deutsche Bank Aktiengesellschaft (Makati City, Metro Manila, PH, Branch)</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>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>Citibank Europe Public Limited Company (Budapest, HU, Branch)</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>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>Stanbic IBTC Bank PLC</custodianName>
            <custodianLei>549300NIVXF92ZIOVW61</custodianLei>
            <custodianCountry>NG</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 Sociedad Fiduciaria</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>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>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>Citibank, National Association (Cairo, Cairo, EG, Branch)</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>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>Itau CorpBanca</custodianName>
            <custodianLei>549300DDPTTIZ06NIV06</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 (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>Skandinaviska Enskilda Banken AB (Helsinki, Uusimaa, FI, Branch)</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>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>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>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>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>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>Citibank, National Association (Singapore, SG, Branch)</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>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>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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>BofA Securities, Inc.</brokerName>
            <brokerFileNo>8-69787</brokerFileNo>
            <brokerCrdNo>000283942</brokerCrdNo>
            <brokerLei>549300HN4UKV1E2R3U73</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>0.30000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>38.40000000</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>25774.60000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>25813.30000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Credit Suisse Securities (USA) LLC</principalName>
            <principalFileNo>8-422</principalFileNo>
            <principalCrdNo>000000816</principalCrdNo>
            <principalLei>1V8Y6QCX6YMJ2OELII46</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1802622893.91000000</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>1290376646.50000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>208247243.38000000</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>1004270755.75000000</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>4885065705.14000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Standard Chartered Securities (North America) LLC</principalName>
            <principalFileNo>8-66397</principalFileNo>
            <principalCrdNo>000130847</principalCrdNo>
            <principalLei>5493003GCX71N8988W38</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>130400000.00000000</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>570700000.00000000</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>310240565.75000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>198621710.07000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Agricole Securities (USA) Inc.</principalName>
            <principalFileNo>8-13753</principalFileNo>
            <principalCrdNo>000000190</principalCrdNo>
            <principalLei>549300WO2DKF0Q3YMV43</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>492091909.22000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>11240580485.40000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>360231209.21000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <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 VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core 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 MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 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 VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities 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 Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <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 MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <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"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <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 New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation 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 MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Common Stock 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 MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond 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 Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <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 Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 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 VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core 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 VP Floating Rate Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009438</mgmtInvSeriesId>
        <mgmtInvLei>549300L3WR2UTWLDL306</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025807" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025806" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>4916073.89000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>35573.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Euroclear Bank</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>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>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Stifel, Nicolaus &amp; Company, Incorporated</brokerName>
            <brokerFileNo>8-1447</brokerFileNo>
            <brokerCrdNo>000000793</brokerCrdNo>
            <brokerLei>5WUVMA08EYG4KEUPW589</brokerLei>
            <brokerStateCountry brokerState="US-MO" brokerCountry="US"/>
            <grossCommission>187.05000000</grossCommission>
          </broker>
          <broker>
            <brokerName>State Street Bank and Trust Company</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000000000</brokerCrdNo>
            <brokerLei>571474TGEMMWANRLN572</brokerLei>
            <brokerStateCountry brokerState="US-MA" brokerCountry="US"/>
            <grossCommission>5.27000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>192.32000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>128149792.96000000</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>141936088.05000000</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>50530661.43000000</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>277998934.80000000</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>395143995.25000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>108059712.82000000</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>59113927.85000000</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>105585893.87000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>74878071.31000000</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>66586566.91000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1628910303.30000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>835997163.42000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice 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 MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <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 Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond 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 MAP Equity Fund" secFileNo="811-04550"/>
                <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 VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <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 MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <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 MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <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 Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <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 VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <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 Income Builder Fund" secFileNo="811-04550"/>
                <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 Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities 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 VP MacKay Small Cap Core 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 VP Conservative Allocation Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009439</mgmtInvSeriesId>
        <mgmtInvLei>5493004379J1T4317S04</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025809" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025808" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>N/A</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>N/A</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Guardian Capital LP</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000105078</brokerCrdNo>
            <brokerLei>549300F70RYK3Z5ZPU58</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>7.76000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>906.74000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cantor Fitzgerald &amp; Co.</brokerName>
            <brokerFileNo>8-201</brokerFileNo>
            <brokerCrdNo>000000134</brokerCrdNo>
            <brokerLei>5493004J7H4GCPG6OB62</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>81.35000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>995.85000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Cantor Fitzgerald &amp; Co.</principalName>
            <principalFileNo>8-201</principalFileNo>
            <principalCrdNo>000000134</principalCrdNo>
            <principalLei>5493004J7H4GCPG6OB62</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>10626825.17000000</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>25199866.28000000</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>1358255.01000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Guardian Capital LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000105078</principalCrdNo>
            <principalLei>549300F70RYK3Z5ZPU58</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>51993443.74000000</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>33475622.54000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Virtu Itg LLC</principalName>
            <principalFileNo>8-44218</principalFileNo>
            <principalCrdNo>000029299</principalCrdNo>
            <principalLei>549300S41SMIODVIT266</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>8218.44000000</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>46840144.47000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>312439378.61000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>27426.83000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>481969181.09000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>738633673.99000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP 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 Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible 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 Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice 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 MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock 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 Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder 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 Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed 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 Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond 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 Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay 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 Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <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 Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <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 Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <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 MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <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. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation 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 VP MacKay S&amp;P 500 Index Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009443</mgmtInvSeriesId>
        <mgmtInvLei>549300P5U7H81N5DCP83</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025817" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025816" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
          <indexFundInfo fundType="Index Fund">
            <isIndexFundAffiliated>N</isIndexFundAffiliated>
            <isIndexFundExclusive>N</isIndexFundExclusive>
            <indexFundReturnDiffBeforeExpense>31.46000000</indexFundReturnDiffBeforeExpense>
            <indexFundReturnDiffAfterExpense>31.25000000</indexFundReturnDiffAfterExpense>
            <indexFundReturnDailyStdevBeforeExpense>0.06000000</indexFundReturnDailyStdevBeforeExpense>
            <indexFundReturnDailyStdevAfterExpense>0.06000000</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>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>5466775.49000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>60778.00000000</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <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>Deutsche Bank Aktiengesellschaft (Amsterdam, Noord Holland, NL, Branch)</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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Virtu Itg LLC</brokerName>
            <brokerFileNo>8-44218</brokerFileNo>
            <brokerCrdNo>000029299</brokerCrdNo>
            <brokerLei>549300S41SMIODVIT266</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>161.70000000</grossCommission>
          </broker>
          <broker>
            <brokerName>The Williams Capital Group, L.P.</brokerName>
            <brokerFileNo>8-46623</brokerFileNo>
            <brokerCrdNo>000035149</brokerCrdNo>
            <brokerLei>254900QGK3PNRGR9BD85</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>8187.31000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>14.51000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>38.63000000</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>1010.53000000</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>543.68000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Guardian Capital LP</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000105078</brokerCrdNo>
            <brokerLei>549300F70RYK3Z5ZPU58</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>31576.57000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>11549.34000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Societe Generale</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000000000</brokerCrdNo>
            <brokerLei>O2RNE8IBXP4R0TD8PU41</brokerLei>
            <brokerCountry>FR</brokerCountry>
            <grossCommission>0.89000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>53083.16000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Deutsche Bank Securities Inc.</principalName>
            <principalFileNo>8-17822</principalFileNo>
            <principalCrdNo>000002525</principalCrdNo>
            <principalLei>9J6MBOOO7BECTDTUZW19</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>62051843.80000000</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>3333417.36000000</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>9282154.18000000</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>205784362.18000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>582100865.88000000</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>152586555.35000000</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>138588526.55000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>7916663.70000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>95111445.08000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Guardian Capital LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000105078</principalCrdNo>
            <principalLei>549300F70RYK3Z5ZPU58</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>8806674.35000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1266859946.87000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>2218647637.48000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 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 MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <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 MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <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 IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <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 MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <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 Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core 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 Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation 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 VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <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 MacKay Convertible Fund" secFileNo="811-04550"/>
                <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 MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <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 Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <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 Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond 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 MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <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 Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation 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 VP T. Rowe Price Equity Income Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000033930</mgmtInvSeriesId>
        <mgmtInvLei>549300I82F7Q9FG0VP41</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000104632" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000104631" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>2690881.10000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>31484.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>T. Rowe Price Associates, Inc.</subAdviserName>
            <subAdviserFileNo>801-856</subAdviserFileNo>
            <subAdviserCrdNo>000105496</subAdviserCrdNo>
            <subAdviserLei>7HTL8AEQSEDX602FBU63</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MD" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <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>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>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>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>Citibank, National Association (Singapore, SG, Branch)</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>Euroclear Bank</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 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>Deutsche Bank Aktiengesellschaft (Madrid, Madrid, ES, Branch)</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</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>Mizuho Bank, Ltd. (Minato ku, Tokyo, JP, Branch)</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>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., Integrante del Grupo Financiero Banamex</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>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>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>Deutsche Bank Aktiengesellschaft (Makati City, Metro Manila, PH, Branch)</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>The Hongkong and Shanghai Banking Corporation Limited (Auckland, Auckland, NZ, Branch)</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>The Saudi British Bank</custodianName>
            <custodianLei>558600TQS0WENZUC5190</custodianLei>
            <custodianCountry>SA</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 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>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>Citibank Europe Public Limited Company (Budapest, HU, Branch)</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 Aktiengesellschaft (Amsterdam, Noord Holland, NL, Branch)</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>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>Skandinaviska Enskilda Banken AB (Oslo, Oslo, NO, Branch)</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 (Sydney, NSW, AU, Branch)</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>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>Skandinaviska Enskilda Banken AB (Helsinki, Uusimaa, FI, Branch)</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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Morgan Stanley &amp; Co. LLC</brokerName>
            <brokerFileNo>8-15869</brokerFileNo>
            <brokerCrdNo>000008209</brokerCrdNo>
            <brokerLei>9R7GPTSO7KV3UQJZQ078</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4859.92000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9168.51000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Evercore Group L.L.C.</brokerName>
            <brokerFileNo>8-49830</brokerFileNo>
            <brokerCrdNo>000042405</brokerCrdNo>
            <brokerLei>5493008F0LRLS5N8LZ81</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3906.87000000</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>6710.06000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BMO Capital Markets Corp.</brokerName>
            <brokerFileNo>8-34344</brokerFileNo>
            <brokerCrdNo>000016686</brokerCrdNo>
            <brokerLei>RUC0QBLBRPRCU4W1NE59</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4397.36000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BofA Securities, Inc.</brokerName>
            <brokerFileNo>8-69787</brokerFileNo>
            <brokerCrdNo>000283942</brokerCrdNo>
            <brokerLei>549300HN4UKV1E2R3U73</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>10712.77000000</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>8444.54000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>6830.74000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse Securities (USA) LLC</brokerName>
            <brokerFileNo>8-422</brokerFileNo>
            <brokerCrdNo>000000816</brokerCrdNo>
            <brokerLei>1V8Y6QCX6YMJ2OELII46</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3074.67000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen and Company, LLC</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5176.88000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>89084.96000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>BofA Securities, Inc.</principalName>
            <principalFileNo>8-69787</principalFileNo>
            <principalCrdNo>000283942</principalCrdNo>
            <principalLei>549300HN4UKV1E2R3U73</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1620374.35000000</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>1708492.00000000</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>827066.85000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Global Markets, LLC</principalName>
            <principalFileNo>8-69862</principalFileNo>
            <principalCrdNo>000285852</principalCrdNo>
            <principalLei>549300FDEDF5ORXCMQ56</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>516362.51000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2743802.50000000</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>1008046.25000000</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>970700.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>229824222.81000000</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>235656.72000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1045219.13000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>242712125.07000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>717066949.67000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <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 VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth 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 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 MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2010 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 Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <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 Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 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 Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <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 Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <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 Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation 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 Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice 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 VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay VP Moderate Allocation Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009441</mgmtInvSeriesId>
        <mgmtInvLei>5493005B2WQWESB52I39</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025813" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025812" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>N/A</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>N/A</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>63.01000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Deutsche Bank Securities Inc.</brokerName>
            <brokerFileNo>8-17822</brokerFileNo>
            <brokerCrdNo>000002525</brokerCrdNo>
            <brokerLei>9J6MBOOO7BECTDTUZW19</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>9.32000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cantor Fitzgerald &amp; Co.</brokerName>
            <brokerFileNo>8-201</brokerFileNo>
            <brokerCrdNo>000000134</brokerCrdNo>
            <brokerLei>5493004J7H4GCPG6OB62</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>81.96000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>767.82000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Guardian Capital LP</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000105078</brokerCrdNo>
            <brokerLei>549300F70RYK3Z5ZPU58</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>220.76000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>1142.87000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Deutsche Bank Securities Inc.</principalName>
            <principalFileNo>8-17822</principalFileNo>
            <principalCrdNo>000002525</principalCrdNo>
            <principalLei>9J6MBOOO7BECTDTUZW19</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1956227.12000000</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>104065737.02000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>468542164.70000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Cantor Fitzgerald &amp; Co.</principalName>
            <principalFileNo>8-201</principalFileNo>
            <principalCrdNo>000000134</principalCrdNo>
            <principalLei>5493004J7H4GCPG6OB62</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>19151636.77000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Guardian Capital LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000105078</principalCrdNo>
            <principalLei>549300F70RYK3Z5ZPU58</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>93522669.56000000</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>42996841.63000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Virtu Itg LLC</principalName>
            <principalFileNo>8-44218</principalFileNo>
            <principalCrdNo>000029299</principalCrdNo>
            <principalLei>549300S41SMIODVIT266</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>12364.68000000</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>36407636.80000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>25516.26000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>766680794.54000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1166210368.36000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal 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 VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <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 Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <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 VP Pimco Real Return 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 MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth 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 MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small 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 MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <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 IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities 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 VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <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 VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <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 MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay 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 Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay VP MacKay Common Stock Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009436</mgmtInvSeriesId>
        <mgmtInvLei>5493007GF2ZLB4J3W453</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025803" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025802" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>1459701.81000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>22082.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Virtu Americas LLC</brokerName>
            <brokerFileNo>8-68193</brokerFileNo>
            <brokerCrdNo>000149823</brokerCrdNo>
            <brokerLei>549300RA02N3BNSWBV74</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>35850.94000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>19156.82000000</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>43775.65000000</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>57454.09000000</grossCommission>
          </broker>
          <broker>
            <brokerName>SG Americas Securities, LLC</brokerName>
            <brokerFileNo>8-66125</brokerFileNo>
            <brokerCrdNo>000128351</brokerCrdNo>
            <brokerLei>549300F35UE0BOM1WJ55</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>90599.97000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>46163.94000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Guardian Capital LP</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000105078</brokerCrdNo>
            <brokerLei>549300F70RYK3Z5ZPU58</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>167132.57000000</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>101011.34000000</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>17042.70000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>97312.67000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>718041.02000000</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>93162667.73000000</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>35074020.96000000</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>175723105.85000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>66850497.52000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>133260062.36000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Societe Generale</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>O2RNE8IBXP4R0TD8PU41</principalLei>
            <principalCountry>FR</principalCountry>
            <principalTotalPurchaseSale>4801634.51000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Guardian Capital LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000105078</principalCrdNo>
            <principalLei>549300F70RYK3Z5ZPU58</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>97540625.88000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>606412614.81000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>766578061.35000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <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 MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <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 MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core 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 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 Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International 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 VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <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="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate 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 MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <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 MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <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 Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity 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"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <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 VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 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 Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond 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 VP Large Cap Growth Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009430</mgmtInvSeriesId>
        <mgmtInvLei>549300CXN2L5ZM6X0G21</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025790" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025791" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>3778594.81000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>81801.00000000</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>Winslow Capital Management, LLC</subAdviserName>
            <subAdviserFileNo>801-41316</subAdviserFileNo>
            <subAdviserCrdNo>000106940</subAdviserCrdNo>
            <subAdviserLei>254900Q5GXV5W7IO3M77</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MN" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>12798.30000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Allen &amp; Company LLC</brokerName>
            <brokerFileNo>8-12123</brokerFileNo>
            <brokerCrdNo>000001042</brokerCrdNo>
            <brokerLei>549300RO3RYDN328JY68</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>14574.00000000</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>34765.20000000</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>9826.50000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BofA Securities, Inc.</brokerName>
            <brokerFileNo>8-69787</brokerFileNo>
            <brokerCrdNo>000283942</brokerCrdNo>
            <brokerLei>549300HN4UKV1E2R3U73</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>20717.10000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>17299.50000000</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>20299.80000000</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>34857.15000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse Securities (USA) LLC</brokerName>
            <brokerFileNo>8-422</brokerFileNo>
            <brokerCrdNo>000000816</brokerCrdNo>
            <brokerLei>1V8Y6QCX6YMJ2OELII46</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>25455.00000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>53038.62000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>276851.47000000</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>3180900.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse Securities (USA) LLC</principalName>
            <principalFileNo>8-422</principalFileNo>
            <principalCrdNo>000000816</principalCrdNo>
            <principalLei>1V8Y6QCX6YMJ2OELII46</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1843200.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>645482529.34000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>3667200.00000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>654173829.34000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1106852764.75000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <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 MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <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 Retirement 2020 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 MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice 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 Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation 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 Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy 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 Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal 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 Eagle 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 Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 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 MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP 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 Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation 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 MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle 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 MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <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 MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <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 VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities 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 VP Janus Henderson Balanced Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000033928</mgmtInvSeriesId>
        <mgmtInvLei>549300IH1BE6KCPK8R42</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000104627" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000104628" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>4242486.80000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>83115.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>Janus Capital Management LLC</subAdviserName>
            <subAdviserFileNo>801-13991</subAdviserFileNo>
            <subAdviserCrdNo>000104652</subAdviserCrdNo>
            <subAdviserLei>G7D5LKZKIBRMES6BO437</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-CO" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB (Oslo, Oslo, NO, Branch)</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 (Sydney, NSW, AU, Branch)</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>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>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>Citibank, National Association (Sao Paulo, Sao Paulo, BR, Branch)</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>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 Aktiengesellschaft (Amsterdam, Noord Holland, NL, Branch)</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>Mizuho Bank, Ltd. (Minato ku, Tokyo, JP, Branch)</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>The Hongkong and Shanghai Banking Corporation Limited (Jung-gu, Seoul, KR, Branch)</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>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 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 Bank</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 (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>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>Skandinaviska Enskilda Banken AB (Helsinki, Uusimaa, FI, Branch)</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>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>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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>7214.91000000</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>3174.39000000</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>4716.72000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse Securities (USA) LLC</brokerName>
            <brokerFileNo>8-422</brokerFileNo>
            <brokerCrdNo>000000816</brokerCrdNo>
            <brokerLei>1V8Y6QCX6YMJ2OELII46</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>3899.98000000</grossCommission>
          </broker>
          <broker>
            <brokerName>National Financial Services LLC</brokerName>
            <brokerFileNo>8-26740</brokerFileNo>
            <brokerCrdNo>000013041</brokerCrdNo>
            <brokerLei>549300JRHF1MHHWUAW04</brokerLei>
            <brokerStateCountry brokerState="US-MA" brokerCountry="US"/>
            <grossCommission>12265.95000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Robert W. Baird &amp; Co. Incorporated</brokerName>
            <brokerFileNo>8-497</brokerFileNo>
            <brokerCrdNo>000008158</brokerCrdNo>
            <brokerLei>549300772UJAHRD6LO53</brokerLei>
            <brokerStateCountry brokerState="US-WI" brokerCountry="US"/>
            <grossCommission>2953.12000000</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>2273.13000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BofA Securities, Inc.</brokerName>
            <brokerFileNo>8-69787</brokerFileNo>
            <brokerCrdNo>000283942</brokerCrdNo>
            <brokerLei>549300HN4UKV1E2R3U73</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>5964.46000000</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>3559.80000000</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>11756.43000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>68014.88000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>212710895.50000000</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>158477688.49000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>929592885.65000000</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>87199919.46000000</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>167408302.67000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>133107011.83000000</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>468751715.33000000</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>315178960.37000000</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>217443877.80000000</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>121290456.04000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>3195825450.07000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1234956520.13000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible 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 Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities 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 VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <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 MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <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 MacKay Emerging Markets Equity 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 Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <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 VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth 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 Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <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 Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice 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 VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <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 Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 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 Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth 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 Common Stock Portfolio" secFileNo="811-03833-01"/>
                <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 VP Moderate Growth Allocation Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009442</mgmtInvSeriesId>
        <mgmtInvLei>549300IXWTQXIRPMWU92</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025815" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025814" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>N/A</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>N/A</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1093.39000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>13.08000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jane Street Execution Services, LLC</brokerName>
            <brokerFileNo>8-69254</brokerFileNo>
            <brokerCrdNo>000167280</brokerCrdNo>
            <brokerLei>549300HXJLXCPDWAH070</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>131.69000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cantor Fitzgerald &amp; Co.</brokerName>
            <brokerFileNo>8-201</brokerFileNo>
            <brokerCrdNo>000000134</brokerCrdNo>
            <brokerLei>5493004J7H4GCPG6OB62</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>83.40000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Guardian Capital LP</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000105078</brokerCrdNo>
            <brokerLei>549300F70RYK3Z5ZPU58</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>220.73000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>1542.29000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>15085.43000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Virtu Itg LLC</principalName>
            <principalFileNo>8-44218</principalFileNo>
            <principalCrdNo>000029299</principalCrdNo>
            <principalLei>549300S41SMIODVIT266</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>21866.48000000</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>58514862.75000000</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>161014838.82000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Cantor Fitzgerald &amp; Co.</principalName>
            <principalFileNo>8-201</principalFileNo>
            <principalCrdNo>000000134</principalCrdNo>
            <principalLei>5493004J7H4GCPG6OB62</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>32648642.86000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Guardian Capital LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000105078</principalCrdNo>
            <principalLei>549300F70RYK3Z5ZPU58</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>136765824.91000000</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>1986145.77000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>744703543.32000000</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>45801933.98000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1181472744.32000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1990193198.42000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth 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 VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <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 VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <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 VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation 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 VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond 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 MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <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="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <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 MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity 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 VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <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 VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return 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 MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay VP MacKay Growth Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009425</mgmtInvSeriesId>
        <mgmtInvLei>5493007LRC2B414UYD92</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025781" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025780" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>1312496.91000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>259872.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Deutsche Bank Aktiengesellschaft (Amsterdam, Noord Holland, NL, Branch)</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>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>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>61842.98000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>43985.09000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>75833.97000000</grossCommission>
          </broker>
          <broker>
            <brokerName>SG Americas Securities, LLC</brokerName>
            <brokerFileNo>8-66125</brokerFileNo>
            <brokerCrdNo>000128351</brokerCrdNo>
            <brokerLei>549300F35UE0BOM1WJ55</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>86765.50000000</grossCommission>
          </broker>
          <broker>
            <brokerName>The Williams Capital Group, L.P.</brokerName>
            <brokerFileNo>8-46623</brokerFileNo>
            <brokerCrdNo>000035149</brokerCrdNo>
            <brokerLei>254900QGK3PNRGR9BD85</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>31966.45000000</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>141732.53000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>81651.86000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Guardian Capital LP</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000105078</brokerCrdNo>
            <brokerLei>549300F70RYK3Z5ZPU58</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>97576.38000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>107153.15000000</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>50930.50000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>810619.23000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Societe Generale</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>O2RNE8IBXP4R0TD8PU41</principalLei>
            <principalCountry>FR</principalCountry>
            <principalTotalPurchaseSale>17568453.96000000</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>56380807.25000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Guardian Capital LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000105078</principalCrdNo>
            <principalLei>549300F70RYK3Z5ZPU58</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>93602062.60000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Cantor Fitzgerald &amp; Co.</principalName>
            <principalFileNo>8-201</principalFileNo>
            <principalCrdNo>000000134</principalCrdNo>
            <principalLei>5493004J7H4GCPG6OB62</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>22256756.01000000</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>3264874.64000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>113008005.99000000</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>189291985.27000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>237101387.12000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>732474332.84000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>640929054.64000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <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 Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield 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 Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap 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 Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth 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 Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <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 VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation 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 MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 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 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 MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <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 MAP Equity Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield 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 MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <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 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 Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <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 MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <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 Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core 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 VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth 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 VP Balanced Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009437</mgmtInvSeriesId>
        <mgmtInvLei>549300HCFHT3ITO8VH62</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025804" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025805" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>3758479.12000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>191340.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
          <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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>11005.92000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Guardian Capital LP</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000105078</brokerCrdNo>
            <brokerLei>549300F70RYK3Z5ZPU58</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>42035.94000000</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>11869.67000000</grossCommission>
          </broker>
          <broker>
            <brokerName>SG Americas Securities, LLC</brokerName>
            <brokerFileNo>8-66125</brokerFileNo>
            <brokerCrdNo>000128351</brokerCrdNo>
            <brokerLei>549300F35UE0BOM1WJ55</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>39038.74000000</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>5336.68000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>58471.77000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>12347.30000000</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>14228.47000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>47907.40000000</grossCommission>
          </broker>
          <broker>
            <brokerName>The Williams Capital Group, L.P.</brokerName>
            <brokerFileNo>8-46623</brokerFileNo>
            <brokerCrdNo>000035149</brokerCrdNo>
            <brokerLei>254900QGK3PNRGR9BD85</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4592.13000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>262684.01000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>BofA Securities, Inc.</principalName>
            <principalFileNo>8-69787</principalFileNo>
            <principalCrdNo>000283942</principalCrdNo>
            <principalLei>549300HN4UKV1E2R3U73</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>80284158.19000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Guardian Capital LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000105078</principalCrdNo>
            <principalLei>549300F70RYK3Z5ZPU58</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>127832179.70000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>141072498.09000000</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>73597697.42000000</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>107210074.23000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>92779589.95000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>66226596.63000000</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>95531978.36000000</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>449712473.00000000</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>164212447.16000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1657868553.84000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>390250457.78000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <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 Emerging Markets Equity 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 Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <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 Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth 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 MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond 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 Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <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 MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <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 S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap 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 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 MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage 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 VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield 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 VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index 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 Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation 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 VP IQ Hedge Multi-Strategy Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000063068</mgmtInvSeriesId>
        <mgmtInvLei>549300O6VX5PX2Z8O034</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000204554" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000204555" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
          <indexFundInfo fundType="Index Fund">
            <isIndexFundAffiliated>Y</isIndexFundAffiliated>
            <isIndexFundExclusive>Y</isIndexFundExclusive>
            <indexFundReturnDiffBeforeExpense>11.41000000</indexFundReturnDiffBeforeExpense>
            <indexFundReturnDiffAfterExpense>8.47000000</indexFundReturnDiffAfterExpense>
            <indexFundReturnDailyStdevBeforeExpense>4.37000000</indexFundReturnDailyStdevBeforeExpense>
            <indexFundReturnDailyStdevAfterExpense>4.36000000</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>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>52371017.30000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>570999.00000000</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>IndexIQ Advisors LLC</subAdviserName>
            <subAdviserFileNo>801-68220</subAdviserFileNo>
            <subAdviserCrdNo>000144790</subAdviserCrdNo>
            <subAdviserLei>549300GES17SMB5H7677</subAdviserLei>
            <isSubAdviserAffiliated>Y</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-NY" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited (Auckland, Auckland, NZ, Branch)</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>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>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 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>Clearstream Banking S.A.</custodianName>
            <custodianLei>549300OL514RA0SXJJ44</custodianLei>
            <custodianCountry>LU</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 (Sydney, NSW, AU, Branch)</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 (Ghana) Limited</custodianName>
            <custodianLei>549300WFGKTC3MGDCX95</custodianLei>
            <custodianCountry>GH</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 (Singapore, SG, Branch)</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>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 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>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>Skandinaviska Enskilda Banken AB (Helsinki, Uusimaa, FI, Branch)</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 AB (Oslo, Oslo, NO, Branch)</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 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>Deutsche Bank Aktiengesellschaft (Madrid, Madrid, ES, Branch)</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</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>AS SEB banka</custodianName>
            <custodianLei>549300YW95G1VBBGGV07</custodianLei>
            <custodianCountry>LV</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Euroclear Bank</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>Deutsche Bank Aktiengesellschaft (Amsterdam, Noord Holland, NL, Branch)</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>BNP Paribas Securities Services (Athens, Attica, GR, Branch)</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>Mizuho Bank, Ltd. (Minato ku, Tokyo, JP, Branch)</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 Europe Public Limited Company (Budapest, HU, Branch)</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>Standard Bank Namibia Limited</custodianName>
            <custodianLei>254900K6TJFDYKSQWV49</custodianLei>
            <custodianCountry>NA</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., Integrante del Grupo Financiero Banamex</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 Aktiengesellschaft (Makati City, Metro Manila, PH, Branch)</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>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>Deutsche Bank Aktiengesellschaft (Jongno-gu, Seoul, KR, Branch)</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>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 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>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 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>Stanbic IBTC Bank PLC</custodianName>
            <custodianLei>549300NIVXF92ZIOVW61</custodianLei>
            <custodianCountry>NG</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign custodian - rule 17f-5 (17 CFR 270.17f-5)</custodyType>
          </custodian>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Cantor Fitzgerald &amp; Co.</brokerName>
            <brokerFileNo>8-201</brokerFileNo>
            <brokerCrdNo>000000134</brokerCrdNo>
            <brokerLei>5493004J7H4GCPG6OB62</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>42763.09000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BofA Securities, Inc.</brokerName>
            <brokerFileNo>8-69787</brokerFileNo>
            <brokerCrdNo>000283942</brokerCrdNo>
            <brokerLei>549300HN4UKV1E2R3U73</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>8972.86000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jane Street Execution Services, LLC</brokerName>
            <brokerFileNo>8-69254</brokerFileNo>
            <brokerCrdNo>000167280</brokerCrdNo>
            <brokerLei>549300HXJLXCPDWAH070</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>72176.59000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Mischler Financial Group, Inc.</brokerName>
            <brokerFileNo>8-48067</brokerFileNo>
            <brokerCrdNo>000037818</brokerCrdNo>
            <brokerLei>2549004IPXPSM9EJFC92</brokerLei>
            <brokerStateCountry brokerState="US-CA" brokerCountry="US"/>
            <grossCommission>61032.79000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Stifel, Nicolaus &amp; Company, Incorporated</brokerName>
            <brokerFileNo>8-1447</brokerFileNo>
            <brokerCrdNo>000000793</brokerCrdNo>
            <brokerLei>5WUVMA08EYG4KEUPW589</brokerLei>
            <brokerStateCountry brokerState="US-MO" brokerCountry="US"/>
            <grossCommission>15691.37000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Deutsche Bank Securities Inc.</brokerName>
            <brokerFileNo>8-17822</brokerFileNo>
            <brokerCrdNo>000002525</brokerCrdNo>
            <brokerLei>9J6MBOOO7BECTDTUZW19</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>26637.07000000</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>29842.48000000</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>101585.91000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>20536.25000000</grossCommission>
          </broker>
          <broker>
            <brokerName>WallachBeth Capital, LLC</brokerName>
            <brokerFileNo>8-67936</brokerFileNo>
            <brokerCrdNo>000147853</brokerCrdNo>
            <brokerLei>549300R371KUKXEXC133</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>6264.46000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>399391.81000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>62355513.48000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>62355513.48000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>400478993.46000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <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 Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield 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"/>
                <creditUser fundName="MainStay VP Moderate Allocation 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 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 MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield 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 MacKay Short Term Municipal 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 Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <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 MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <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 Retirement 2010 Fund" secFileNo="811-22321"/>
                <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 Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International 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 VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <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 MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core 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 MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation 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 VP MacKay Convertible Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009427</mgmtInvSeriesId>
        <mgmtInvLei>549300D9NU5LC6O9PL54</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>3</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025785" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Service 2 Class" sharesOutstandingClassId="C000168875" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025784" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>45083432.48000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>425031.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Euroclear Bank</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>
        </custodians>
        <isCustodianHiredOrTerminated>N</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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Raymond James &amp; Associates, Inc.</brokerName>
            <brokerFileNo>8-10999</brokerFileNo>
            <brokerCrdNo>000000705</brokerCrdNo>
            <brokerLei>U4ONQX15J3RO8XCKE979</brokerLei>
            <brokerStateCountry brokerState="US-FL" brokerCountry="US"/>
            <grossCommission>3349.23000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Oppenheimer &amp; Co. Inc.</brokerName>
            <brokerFileNo>8-4077</brokerFileNo>
            <brokerCrdNo>000000249</brokerCrdNo>
            <brokerLei>254900VH02JQR2L8XD64</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>4920.15000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Johnson Rice And Company</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000000000</brokerCrdNo>
            <brokerLei>00000000000000000000</brokerLei>
            <brokerStateCountry brokerState="US-LA" brokerCountry="US"/>
            <grossCommission>6153.48000000</grossCommission>
          </broker>
          <broker>
            <brokerName>SVB Leerink LLC</brokerName>
            <brokerFileNo>8-48535</brokerFileNo>
            <brokerCrdNo>000039011</brokerCrdNo>
            <brokerLei>549300AAH7U76CEUBI94</brokerLei>
            <brokerStateCountry brokerState="US-MA" brokerCountry="US"/>
            <grossCommission>4864.98000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>19287.84000000</aggregateCommission>
        <principalTransactions>
          <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>19736155.84000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse Securities (USA) LLC</principalName>
            <principalFileNo>8-422</principalFileNo>
            <principalCrdNo>000000816</principalCrdNo>
            <principalLei>1V8Y6QCX6YMJ2OELII46</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>26086461.66000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>15914472.06000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>405450869.63000000</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>69188495.31000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>33688353.75000000</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>30266594.05000000</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>22042096.76000000</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>18040626.79000000</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>43579798.38000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>720038440.93000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>886151043.52000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative 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 MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <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 Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle 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 Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth 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 Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond 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"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <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 Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity 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 MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate 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 Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core 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 MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <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 VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay VP Emerging Markets Equity Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000033925</mgmtInvSeriesId>
        <mgmtInvLei>549300H81ZJKEJLB5I53</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000104622" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000104621" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>6201818.21000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>94158.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
          <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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited (Jung-gu, Seoul, KR, Branch)</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>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>Citibank Europe Public Limited Company (Budapest, HU, Branch)</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>BNP Paribas Securities Services (Athens, Attica, GR, Branch)</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>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>Banco Nacional de Mexico, S.A., Integrante del Grupo Financiero Banamex</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>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>Euroclear Bank</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>Citibank, National Association (Cairo, Cairo, EG, Branch)</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>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>Cititrust Colombia S A Sociedad Fiduciaria</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>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>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>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 Middle East Limited (Doha, Ad Dawhah, QA, Branch)</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, National Association (Sao Paulo, Sao Paulo, BR, Branch)</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 Aktiengesellschaft (Mumbai, Maharashtra, IN, Branch)</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>Bank Handlowy w Warszawie Spolka Akcyjna</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>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>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>Citibank, National Association (Singapore, SG, Branch)</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>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>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>Deutsche Bank Aktiengesellschaft (Jakarta, Jakarta, ID, Branch)</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>Itau CorpBanca</custodianName>
            <custodianLei>549300DDPTTIZ06NIV06</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>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>Deutsche Bank Aktiengesellschaft (Amsterdam, Noord Holland, NL, Branch)</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>Deutsche Bank Aktiengesellschaft (Makati City, Metro Manila, PH, Branch)</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>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>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>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>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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>The Williams Capital Group, L.P.</brokerName>
            <brokerFileNo>8-46623</brokerFileNo>
            <brokerCrdNo>000035149</brokerCrdNo>
            <brokerLei>254900QGK3PNRGR9BD85</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>11420.97000000</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>206525.37000000</grossCommission>
          </broker>
          <broker>
            <brokerName>SG Securities (HK) Limited</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000000000</brokerCrdNo>
            <brokerLei>549300X7ULDGXKFTX656</brokerLei>
            <brokerCountry>HK</brokerCountry>
            <grossCommission>24665.88000000</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>167857.29000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Societe Generale</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000000000</brokerCrdNo>
            <brokerLei>O2RNE8IBXP4R0TD8PU41</brokerLei>
            <brokerCountry>FR</brokerCountry>
            <grossCommission>82859.12000000</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>11931.42000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>183283.67000000</grossCommission>
          </broker>
          <broker>
            <brokerName>SG Americas Securities, LLC</brokerName>
            <brokerFileNo>8-66125</brokerFileNo>
            <brokerCrdNo>000128351</brokerCrdNo>
            <brokerLei>549300F35UE0BOM1WJ55</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>75090.59000000</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>12381.85000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>39276.29000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>858466.50000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>439679512.05000000</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>754244.38000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Guardian Capital LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000105078</principalCrdNo>
            <principalLei>549300F70RYK3Z5ZPU58</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>4624563.92000000</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>2069144.10000000</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>816483.09000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>448094968.68000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>460133744.62000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <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 Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice 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 Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities 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 Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core 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 Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation 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 Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <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 Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <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 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 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 Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <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 MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <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 Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Income Builder 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 MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <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 T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 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 MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <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 Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 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 MacKay 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 Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Large Cap Growth 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 Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation 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 VP Cushing Renaissance Advantage Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000049057</mgmtInvSeriesId>
        <mgmtInvLei>549300NCMV6NUD9J6V80</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000154686" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000154685" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>1502969.76000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>82407.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>Cushing Asset Management, LP</subAdviserName>
            <subAdviserFileNo>801-63255</subAdviserFileNo>
            <subAdviserCrdNo>000131517</subAdviserCrdNo>
            <subAdviserLei>549300J4XZOND2340P82</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-TX" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <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>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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>13605.16000000</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>16530.14000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BofA Securities, Inc.</brokerName>
            <brokerFileNo>8-69787</brokerFileNo>
            <brokerCrdNo>000283942</brokerCrdNo>
            <brokerLei>549300HN4UKV1E2R3U73</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>29006.96000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>118477.92000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Scotia Capital (USA) Inc.</brokerName>
            <brokerFileNo>8-3716</brokerFileNo>
            <brokerCrdNo>000002739</brokerCrdNo>
            <brokerLei>549300BLWPABP1VNME36</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>15654.88000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Robert W. Baird &amp; Co. Incorporated</brokerName>
            <brokerFileNo>8-497</brokerFileNo>
            <brokerCrdNo>000008158</brokerCrdNo>
            <brokerLei>549300772UJAHRD6LO53</brokerLei>
            <brokerStateCountry brokerState="US-WI" brokerCountry="US"/>
            <grossCommission>20609.36000000</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>40455.68000000</grossCommission>
          </broker>
          <broker>
            <brokerName>National Financial Services LLC</brokerName>
            <brokerFileNo>8-26740</brokerFileNo>
            <brokerCrdNo>000013041</brokerCrdNo>
            <brokerLei>549300JRHF1MHHWUAW04</brokerLei>
            <brokerStateCountry brokerState="US-MA" brokerCountry="US"/>
            <grossCommission>36375.08000000</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>17813.81000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>13774.80000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>384262.19000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Credit Suisse Securities (USA) LLC</principalName>
            <principalFileNo>8-422</principalFileNo>
            <principalCrdNo>000000816</principalCrdNo>
            <principalLei>1V8Y6QCX6YMJ2OELII46</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>2367162.50000000</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>2836400.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>255980542.36000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>261184104.86000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>65444360.51000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <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 Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth 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 MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <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 VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High 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 Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <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 VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap 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 Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <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 Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <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 VP Indexed 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 Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities 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 Candriam Emerging Markets Equity 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 MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <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 T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 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 VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <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 VP Mellon Natural Resources Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000033927</mgmtInvSeriesId>
        <mgmtInvLei>549300FESN1ZIO3K4S50</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>1</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000104625" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>1894270.48000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>39481.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>Mellon Investments Corporation</subAdviserName>
            <subAdviserFileNo>801-19785</subAdviserFileNo>
            <subAdviserCrdNo>000105764</subAdviserCrdNo>
            <subAdviserLei>YP72O3NKHJPQEEM7IG98</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Euroclear Bank</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 Oman S.A.O.G.</custodianName>
            <custodianLei>213800YRPSOSH9OA2V29</custodianLei>
            <custodianCountry>OM</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>Citibank, National Association (Cairo, Cairo, EG, Branch)</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>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>Cititrust Colombia S A Sociedad Fiduciaria</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>The Hongkong and Shanghai Banking Corporation Limited (Sydney, NSW, AU, Branch)</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>Joint Stock Company Citibank</custodianName>
            <custodianLei>549300E0ROTI7ACBZH02</custodianLei>
            <custodianCountry>UA</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 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>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>The Hongkong and Shanghai Banking Corporation Limited (Jung-gu, Seoul, KR, Branch)</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>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>Deutsche Bank Aktiengesellschaft (Madrid, Madrid, ES, Branch)</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</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>HSBC Bank Middle East Limited (Kuwait City, Al Asimah, KW, Branch)</custodianName>
            <custodianLei>549300F99IL9YJDWH369</custodianLei>
            <custodianCountry>KW</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 (Sao Paulo, Sao Paulo, BR, Branch)</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 Aktiengesellschaft (Amsterdam, Noord Holland, NL, Branch)</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>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>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>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 (Auckland, Auckland, NZ, Branch)</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>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 (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>The Hongkong And Shanghai Banking Corporation Limited (Colombo, Western, LK, Branch)</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>HSBC Bank Middle East Limited (Manama, Capital, BH, Branch)</custodianName>
            <custodianLei>549300F99IL9YJDWH369</custodianLei>
            <custodianCountry>BH</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>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 (Helsinki, Uusimaa, FI, Branch)</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 AB (Oslo, Oslo, NO, Branch)</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>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 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>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>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>HSBC Bank Middle East Limited (Doha, Ad Dawhah, QA, Branch)</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>BNP Paribas Securities Services (Athens, Attica, GR, Branch)</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>Itau CorpBanca</custodianName>
            <custodianLei>549300DDPTTIZ06NIV06</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, National Association (Singapore, SG, Branch)</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>The Hongkong And Shanghai Banking Corporation Limited (Ebene, Plaines Wilhems, MU, Branch)</custodianName>
            <custodianLei>2HI3YI5320L3RW6NJ957</custodianLei>
            <custodianCountry>MU</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. (Minato ku, Tokyo, JP, Branch)</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 Aktiengesellschaft (Makati City, Metro Manila, PH, Branch)</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>Bank Handlowy w Warszawie Spolka Akcyjna</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>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>Citibank Europe Public Limited Company (Budapest, HU, Branch)</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>Banco Nacional de Mexico, S.A., Integrante del Grupo Financiero Banamex</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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>11534.78000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>29436.93000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Stifel, Nicolaus &amp; Company, Incorporated</brokerName>
            <brokerFileNo>8-1447</brokerFileNo>
            <brokerCrdNo>000000793</brokerCrdNo>
            <brokerLei>5WUVMA08EYG4KEUPW589</brokerLei>
            <brokerStateCountry brokerState="US-MO" brokerCountry="US"/>
            <grossCommission>12021.61000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse Securities (USA) LLC</brokerName>
            <brokerFileNo>8-422</brokerFileNo>
            <brokerCrdNo>000000816</brokerCrdNo>
            <brokerLei>1V8Y6QCX6YMJ2OELII46</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>23496.24000000</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>15560.62000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>38411.36000000</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>41385.53000000</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>19488.51000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BofA Securities, Inc.</brokerName>
            <brokerFileNo>8-69787</brokerFileNo>
            <brokerCrdNo>000283942</brokerCrdNo>
            <brokerLei>549300HN4UKV1E2R3U73</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>133226.49000000</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>25687.20000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>414582.43000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>213592363.12000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>213592363.12000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>250272502.49000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond 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 VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <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 Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap 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 MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <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 Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <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 VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Large 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 International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth 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 Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation 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 MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 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 VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth 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 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 MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <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 Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation 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 VP MacKay Unconstrained Bond Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000031904</mgmtInvSeriesId>
        <mgmtInvLei>6C5519UGH7WX3W03CU84</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000099347" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000099348" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>3632411.27000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>15020.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Citibank Europe Public Limited Company (Budapest, HU, Branch)</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>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>Mizuho Bank, Ltd. (Minato ku, Tokyo, JP, Branch)</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>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>Euroclear Bank</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>Deutsche Bank Aktiengesellschaft (Amsterdam, Noord Holland, NL, Branch)</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, National Association (Singapore, SG, Branch)</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>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>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>Bank Handlowy w Warszawie Spolka Akcyjna</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 Hongkong and Shanghai Banking Corporation Limited (Sydney, NSW, AU, Branch)</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 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>Citibank, National Association (Sao Paulo, Sao Paulo, BR, Branch)</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>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>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>Stanbic IBTC Bank PLC</custodianName>
            <custodianLei>549300NIVXF92ZIOVW61</custodianLei>
            <custodianCountry>NG</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., Integrante del Grupo Financiero Banamex</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>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>Deutsche Bank Aktiengesellschaft (Madrid, Madrid, ES, Branch)</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</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>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 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 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>Citibank, National Association (Cairo, Cairo, EG, Branch)</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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>56377.94000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>56377.94000000</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>69539394.19000000</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>129653815.03000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Robert W. Baird &amp; Co. Incorporated</principalName>
            <principalFileNo>8-497</principalFileNo>
            <principalCrdNo>000008158</principalCrdNo>
            <principalLei>549300772UJAHRD6LO53</principalLei>
            <principalStateCountry principalState="US-WI" principalCountry="US"/>
            <principalTotalPurchaseSale>47339783.38000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>105913048.14000000</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>176917558.53000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>94414495.31000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>1060116296.44000000</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>276513157.44000000</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>42879096.57000000</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>25736765.47000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>2248988406.55000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1087536714.05000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield 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 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 New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <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 Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <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 Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle 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 VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <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 Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 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 VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond 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 MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <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 MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield 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 MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <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 Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <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 Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay VP MacKay Government Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009446</mgmtInvSeriesId>
        <mgmtInvLei>5493007I229AFJKX0U56</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025822" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025823" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>452136.98000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>6980.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Barclays Capital Inc.</principalName>
            <principalFileNo>8-41342</principalFileNo>
            <principalCrdNo>000019714</principalCrdNo>
            <principalLei>AC28XWWI3WIBK2824319</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>22102063.45000000</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>13797404.42000000</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>34801889.19000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>268615434.50000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Stephens Inc.</principalName>
            <principalFileNo>8-1927</principalFileNo>
            <principalCrdNo>000003496</principalCrdNo>
            <principalLei>213800LH6T9XDYZCA534</principalLei>
            <principalStateCountry principalState="US-AR" principalCountry="US"/>
            <principalTotalPurchaseSale>10568181.56000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Robert W. Baird &amp; Co. Incorporated</principalName>
            <principalFileNo>8-497</principalFileNo>
            <principalCrdNo>000008158</principalCrdNo>
            <principalLei>549300772UJAHRD6LO53</principalLei>
            <principalStateCountry principalState="US-WI" principalCountry="US"/>
            <principalTotalPurchaseSale>15347379.72000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>14136282.54000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Amherst Pierpont Securities LLC</principalName>
            <principalFileNo>008-68282</principalFileNo>
            <principalCrdNo>000150696</principalCrdNo>
            <principalLei>549300LGG2RLWD21SU97</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>38319814.06000000</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>33289656.92000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>First Horizon Bank</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>COOWI3L2W9TPYR3WJX37</principalLei>
            <principalStateCountry principalState="US-TN" principalCountry="US"/>
            <principalTotalPurchaseSale>8502602.18000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>505230947.41000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>230021517.74000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core 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 MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond 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 Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity 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 Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <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 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 Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage 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 Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <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 MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core 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 VP Janus Henderson Balanced 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 High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap 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 Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth 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 MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon 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 Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Opportunities 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 Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2010 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 VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy 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 VP MacKay High Yield Corporate Bond Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009448</mgmtInvSeriesId>
        <mgmtInvLei>549300PH47IJB67K8N80</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025827" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025826" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>7711352.42000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>98897.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Houlihan Lokey, Inc.</pricingServiceName>
            <pricingServiceLei>549300S3CNGTQ1QZVY46</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-CA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Dixon Hughes Goodman LLP</pricingServiceName>
            <pricingServiceLei>00000000000000000000</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NC" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>Y</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>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 Bank</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>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>52584048.90000000</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>59298869.85000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>1039651150.96000000</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>94108162.51000000</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>222686873.62000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Credit Suisse Securities (USA) LLC</principalName>
            <principalFileNo>8-422</principalFileNo>
            <principalCrdNo>000000816</principalCrdNo>
            <principalLei>1V8Y6QCX6YMJ2OELII46</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>79041422.80000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>100566942.25000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>79666449.58000000</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>84509502.50000000</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>237943301.89000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>2289278297.02000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>2920308120.79000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <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 VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <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 Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity 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 Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <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 MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <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 MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core 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 Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <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 Growth Allocation 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 MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced 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 VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Pimco Real Return 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 Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP 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 VP Eagle Small Cap Growth Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000033926</mgmtInvSeriesId>
        <mgmtInvLei>549300VXWSMCSHWOUI87</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000104623" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000104624" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>14453630.49000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>189349.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 10f-3 (17 CFR 270.10f-3)</relyOnRuleType>
          <relyOnRuleType>Rule 17e-1 (17 CFR 270.17e-1)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>Eagle Asset Management, Inc.</subAdviserName>
            <subAdviserFileNo>801-21343</subAdviserFileNo>
            <subAdviserCrdNo>000110653</subAdviserCrdNo>
            <subAdviserLei>254900014X4G6Q0SPF80</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-FL" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>5228.06000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Raymond James &amp; Associates, Inc.</brokerName>
            <brokerFileNo>8-10999</brokerFileNo>
            <brokerCrdNo>000000705</brokerCrdNo>
            <brokerLei>U4ONQX15J3RO8XCKE979</brokerLei>
            <brokerStateCountry brokerState="US-FL" brokerCountry="US"/>
            <grossCommission>5625.24000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Stifel, Nicolaus &amp; Company, Incorporated</brokerName>
            <brokerFileNo>8-1447</brokerFileNo>
            <brokerCrdNo>000000793</brokerCrdNo>
            <brokerLei>5WUVMA08EYG4KEUPW589</brokerLei>
            <brokerStateCountry brokerState="US-MO" brokerCountry="US"/>
            <grossCommission>12017.42000000</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>4984.19000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>25659.51000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>40059.90000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>7804.52000000</grossCommission>
          </broker>
          <broker>
            <brokerName>National Financial Services LLC</brokerName>
            <brokerFileNo>8-26740</brokerFileNo>
            <brokerCrdNo>000013041</brokerCrdNo>
            <brokerLei>549300JRHF1MHHWUAW04</brokerLei>
            <brokerStateCountry brokerState="US-MA" brokerCountry="US"/>
            <grossCommission>7254.21000000</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>8774.10000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BofA Securities, Inc.</brokerName>
            <brokerFileNo>8-69787</brokerFileNo>
            <brokerCrdNo>000283942</brokerCrdNo>
            <brokerLei>549300HN4UKV1E2R3U73</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>22051.52000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>182287.63000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>BofA Securities, Inc.</principalName>
            <principalFileNo>8-69787</principalFileNo>
            <principalCrdNo>000283942</principalCrdNo>
            <principalLei>549300HN4UKV1E2R3U73</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>946147.50000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1513290.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1953664.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Jefferies LLC</principalName>
            <principalFileNo>8-15074</principalFileNo>
            <principalCrdNo>000002347</principalCrdNo>
            <principalLei>58PU97L1C0WSRCWADL48</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1150832.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>338872043.49000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>344435976.99000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>400838554.52000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative Allocation 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 Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <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 MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <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 Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <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 Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond 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 MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <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 Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Opportunities 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 Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <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 VP Moderate Allocation 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 MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <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 VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities 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 Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <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 MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <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 MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <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 Floating Rate Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay VP MacKay Small Cap Core Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000053035</mgmtInvSeriesId>
        <mgmtInvLei>549300Z6XCJT39O1YL94</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000166826" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000166827" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>11963963.62000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>106592.00000000</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>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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>109876.42000000</grossCommission>
          </broker>
          <broker>
            <brokerName>SG Americas Securities, LLC</brokerName>
            <brokerFileNo>8-66125</brokerFileNo>
            <brokerCrdNo>000128351</brokerCrdNo>
            <brokerLei>549300F35UE0BOM1WJ55</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>6723.09000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>51481.73000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Guardian Capital LP</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000105078</brokerCrdNo>
            <brokerLei>549300F70RYK3Z5ZPU58</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>12636.22000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>64004.86000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>41114.19000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BofA Securities, Inc.</brokerName>
            <brokerFileNo>8-69787</brokerFileNo>
            <brokerCrdNo>000283942</brokerCrdNo>
            <brokerLei>549300HN4UKV1E2R3U73</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>39918.36000000</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>89319.72000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Virtu Itg LLC</brokerName>
            <brokerFileNo>8-44218</brokerFileNo>
            <brokerCrdNo>000029299</brokerCrdNo>
            <brokerLei>549300S41SMIODVIT266</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>39374.27000000</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>8533.87000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>471703.19000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>108340854.59000000</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>371447155.23000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Instinet, LLC</principalName>
            <principalFileNo>8-23669</principalFileNo>
            <principalCrdNo>000007897</principalCrdNo>
            <principalLei>549300MGMN3RKMU8FT57</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>4758150.57000000</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>8250824.99000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Societe Generale</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>O2RNE8IBXP4R0TD8PU41</principalLei>
            <principalCountry>FR</principalCountry>
            <principalTotalPurchaseSale>9461932.43000000</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>63194454.25000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Guardian Capital LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000105078</principalCrdNo>
            <principalLei>549300F70RYK3Z5ZPU58</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>194572005.16000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>28733312.79000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>978732800.48000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>1772402620.49000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>454154867.14000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <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 MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <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 Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <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 Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Convertible 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 MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <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 MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <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 Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <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 MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth 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 Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt 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"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay 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 Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <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 S&amp;P 500 Index 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 Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <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 Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation 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 VP Growth Allocation Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009440</mgmtInvSeriesId>
        <mgmtInvLei>549300F2OWKSR55CNY04</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025810" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025811" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Fund of Funds</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>N/A</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>N/A</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>504.02000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Guardian Capital LP</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000105078</brokerCrdNo>
            <brokerLei>549300F70RYK3Z5ZPU58</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>4.28000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cantor Fitzgerald &amp; Co.</brokerName>
            <brokerFileNo>8-201</brokerFileNo>
            <brokerCrdNo>000000134</brokerCrdNo>
            <brokerLei>5493004J7H4GCPG6OB62</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>86.47000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>594.77000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Deutsche Bank Securities Inc.</principalName>
            <principalFileNo>8-17822</principalFileNo>
            <principalCrdNo>000002525</principalCrdNo>
            <principalLei>9J6MBOOO7BECTDTUZW19</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1136869.65000000</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>25038072.90000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Guardian Capital LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000105078</principalCrdNo>
            <principalLei>549300F70RYK3Z5ZPU58</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>68696984.58000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Cantor Fitzgerald &amp; Co.</principalName>
            <principalFileNo>8-201</principalFileNo>
            <principalCrdNo>000000134</principalCrdNo>
            <principalLei>5493004J7H4GCPG6OB62</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>26701392.67000000</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>17675839.33000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>165592200.91000000</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>75046138.40000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>379887498.44000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1081934240.98000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <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 Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <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 Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <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 MacKay Common Stock 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 Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <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 VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <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 Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities 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 Conservative Allocation 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 VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <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 IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources 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 Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth 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 Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2030 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 Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP 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 MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay VP Epoch U.S. Equity Yield Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009429</mgmtInvSeriesId>
        <mgmtInvLei>549300KRQ15DX7GVW891</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025789" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025788" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>3062667.46000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>11515.00000000</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>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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>
        <principalAggregatePurchase>0.00000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1012026925.60000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <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 MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <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 Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth 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 VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth 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 Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <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 Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP 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 VP Eagle 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 Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation 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 Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <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 MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources 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 MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 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 VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield 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 MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth 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 VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <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 MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced 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 VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <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 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 High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <creditLineUsed isCreditLineUsed="Y" averageCreditLineUsed="583630000.00000000" daysCreditUsed="1"/>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay VP Indexed Bond Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000057212</mgmtInvSeriesId>
        <mgmtInvLei>549300R9H825LXJSNU29</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000182233" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000182232" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
          <indexFundInfo fundType="Index Fund">
            <isIndexFundAffiliated>N</isIndexFundAffiliated>
            <isIndexFundExclusive>N</isIndexFundExclusive>
            <indexFundReturnDiffBeforeExpense>8.64000000</indexFundReturnDiffBeforeExpense>
            <indexFundReturnDiffAfterExpense>8.30000000</indexFundReturnDiffAfterExpense>
            <indexFundReturnDailyStdevBeforeExpense>0.41000000</indexFundReturnDailyStdevBeforeExpense>
            <indexFundReturnDailyStdevAfterExpense>0.41000000</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>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>4531920.06000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>46171.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>4007.58000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>4007.58000000</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>132859419.77000000</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>239626299.58000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>652905283.66000000</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>210772007.07000000</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>112219805.43000000</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>124467228.97000000</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>138664762.30000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>196689943.20000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>175832343.16000000</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>651702766.61000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>2945580590.07000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>446107299.02000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Retirement 2020 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 VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity 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 VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <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 Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <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 VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice 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 VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation 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 Retirement 2030 Fund" secFileNo="811-22321"/>
                <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 VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap 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 VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <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 VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <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 VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <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 MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <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 MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt 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 Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth 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 VP Income Builder Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009444</mgmtInvSeriesId>
        <mgmtInvLei>WZQNS9UOCVW6JX8S5652</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025818" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025819" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>4545766.63000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>59771.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
          <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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>The Hongkong and Shanghai Banking Corporation Limited (Auckland, Auckland, NZ, Branch)</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>Euroclear Bank</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 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>Citibank, National Association (Cairo, Cairo, EG, Branch)</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>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>Citibank, National Association (Sao Paulo, Sao Paulo, BR, Branch)</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>Mizuho Bank, Ltd. (Minato ku, Tokyo, JP, Branch)</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 (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>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>Deutsche Bank Aktiengesellschaft (Amsterdam, Noord Holland, NL, Branch)</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>Bank Handlowy w Warszawie Spolka Akcyjna</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>Itau CorpBanca</custodianName>
            <custodianLei>549300DDPTTIZ06NIV06</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>The Hongkong and Shanghai Banking Corporation Limited (Jung-gu, Seoul, KR, Branch)</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>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>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>Banco Nacional de Mexico, S.A., Integrante del Grupo Financiero Banamex</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>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>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 (Helsinki, Uusimaa, FI, Branch)</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>BNP Paribas Securities Services (Athens, Attica, GR, Branch)</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>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>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 (Oslo, Oslo, NO, Branch)</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 Aktiengesellschaft (Makati City, Metro Manila, PH, Branch)</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>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 Aktiengesellschaft (Madrid, Madrid, ES, Branch)</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</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 Europe Public Limited Company (Budapest, HU, Branch)</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>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>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 Hongkong and Shanghai Banking Corporation Limited (Sydney, NSW, AU, Branch)</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 (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>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>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>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>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>Citibank, National Association (Singapore, SG, Branch)</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>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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Mizuho Securities USA LLC</brokerName>
            <brokerFileNo>8-37710</brokerFileNo>
            <brokerCrdNo>000019647</brokerCrdNo>
            <brokerLei>7TK5RJIZDFROZCA6XF66</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2734.24000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>1880.55000000</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>6217.87000000</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>6517.03000000</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>2537.04000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>25884.52000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BofA Securities, Inc.</brokerName>
            <brokerFileNo>8-69787</brokerFileNo>
            <brokerCrdNo>000283942</brokerCrdNo>
            <brokerLei>549300HN4UKV1E2R3U73</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2697.82000000</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>7374.48000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>2051.72000000</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>6438.44000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>77065.09000000</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>90452851.19000000</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>12900124.98000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>29563564.24000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Robert W. Baird &amp; Co. Incorporated</principalName>
            <principalFileNo>8-497</principalFileNo>
            <principalCrdNo>000008158</principalCrdNo>
            <principalLei>549300772UJAHRD6LO53</principalLei>
            <principalStateCountry principalState="US-WI" principalCountry="US"/>
            <principalTotalPurchaseSale>31177694.29000000</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>123433599.44000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Amherst Pierpont Securities LLC</principalName>
            <principalFileNo>008-68282</principalFileNo>
            <principalCrdNo>000150696</principalCrdNo>
            <principalLei>549300LGG2RLWD21SU97</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>59319001.59000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>437410123.57000000</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>16995494.80000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>24207413.24000000</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>30907609.32000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>955577999.77000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>580751252.98000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <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 New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap 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 MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <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 High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 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 Mellon Natural Resources 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 Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <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 VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <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 VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <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 Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <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 MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth 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 VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <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 Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond 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 Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay VP Fidelity Institutional AM Utilities Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000033929</mgmtInvSeriesId>
        <mgmtInvLei>5493008ZJ2RZ5SC8RL13</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000104630" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000104629" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>Y</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>17486.37000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>93.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
          <relyOnRuleType>Rule 17a-7 (17 CFR 270.17a-7)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>FIAM LLC</subAdviserName>
            <subAdviserFileNo>801-63658</subAdviserFileNo>
            <subAdviserCrdNo>000133196</subAdviserCrdNo>
            <subAdviserLei>5493004TXEKSUW10AL66</subAdviserLei>
            <isSubAdviserAffiliated>N</isSubAdviserAffiliated>
            <subAdviserStateCountry subAdviserState="US-MA" subAdviserCountry="US"/>
            <isSubAdviserHired>N</isSubAdviserHired>
          </subAdviser>
        </subAdvisers>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Deutsche Bank Aktiengesellschaft (Jakarta, Jakarta, ID, Branch)</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>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 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>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>HSBC Bank Bermuda Limited</custodianName>
            <custodianLei>0W1U67PTV5WY3WYWKD79</custodianLei>
            <custodianCountry>BM</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 (Auckland, Auckland, NZ, Branch)</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>Citibank, National Association (Singapore, SG, Branch)</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 (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>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 Aktiengesellschaft (Amsterdam, Noord Holland, NL, Branch)</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>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>Skandinaviska Enskilda Banken AB (Helsinki, Uusimaa, FI, Branch)</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>Clearstream Banking S.A.</custodianName>
            <custodianLei>549300OL514RA0SXJJ44</custodianLei>
            <custodianCountry>LU</custodianCountry>
            <isCustodianAffiliated>N</isCustodianAffiliated>
            <isSubCustodian>Y</isSubCustodian>
            <custodyType>Foreign securities depository - rule 17f-7 (17 CFR 270.17f-7)</custodyType>
          </custodian>
          <custodian>
            <custodianName>Deutsche Bank Aktiengesellschaft (Madrid, Madrid, ES, Branch)</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</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., Integrante del Grupo Financiero Banamex</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>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 (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 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>BNP Paribas Securities Services (Athens, Attica, GR, Branch)</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 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>Bank Handlowy w Warszawie Spolka Akcyjna</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 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>Citibank, National Association (Sao Paulo, Sao Paulo, BR, Branch)</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 Bank</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 (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>Deutsche Bank Aktiengesellschaft (Karachi, Sindh, PK, Branch)</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</custodianLei>
            <custodianCountry>PK</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 (Sydney, NSW, AU, Branch)</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. (Bratislava, Bratislavsky, SK, Branch)</custodianName>
            <custodianLei>KR6LSKV3BTSJRD41IF75</custodianLei>
            <custodianCountry>SK</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>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>Mizuho Bank, Ltd. (Minato ku, Tokyo, JP, Branch)</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 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>Citibank, National Association (Cairo, Cairo, EG, Branch)</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 Aktiengesellschaft (Mumbai, Maharashtra, IN, Branch)</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 (Oslo, Oslo, NO, Branch)</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>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 (Jung-gu, Seoul, KR, Branch)</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>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 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>Itau CorpBanca</custodianName>
            <custodianLei>549300DDPTTIZ06NIV06</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 Aktiengesellschaft (Makati City, Metro Manila, PH, Branch)</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>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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>38077.22000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Goldman Sachs &amp; Co. LLC</brokerName>
            <brokerFileNo>8-129</brokerFileNo>
            <brokerCrdNo>000000361</brokerCrdNo>
            <brokerLei>FOR8UP27PHTHYVLBNG30</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>24181.79000000</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>80341.66000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Credit Suisse Securities (USA) LLC</brokerName>
            <brokerFileNo>8-422</brokerFileNo>
            <brokerCrdNo>000000816</brokerCrdNo>
            <brokerLei>1V8Y6QCX6YMJ2OELII46</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>63847.12000000</grossCommission>
          </broker>
          <broker>
            <brokerName>National Financial Services LLC</brokerName>
            <brokerFileNo>8-26740</brokerFileNo>
            <brokerCrdNo>000013041</brokerCrdNo>
            <brokerLei>549300JRHF1MHHWUAW04</brokerLei>
            <brokerStateCountry brokerState="US-MA" brokerCountry="US"/>
            <grossCommission>97643.45000000</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>23070.30000000</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>30835.11000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>38920.11000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BofA Securities, Inc.</brokerName>
            <brokerFileNo>8-69787</brokerFileNo>
            <brokerCrdNo>000283942</brokerCrdNo>
            <brokerLei>549300HN4UKV1E2R3U73</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>32820.35000000</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>28239.86000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>498197.69000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>RBC Capital Markets, LLC</principalName>
            <principalFileNo>8-45411</principalFileNo>
            <principalCrdNo>000031194</principalCrdNo>
            <principalLei>549300LCO2FLSSVFFR64</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>830280.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>729995480.20000000</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>73181190.00000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>804006950.20000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>1203882846.30000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core 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 Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal 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 Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield 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 MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced 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 Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative 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 Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible 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 Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <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 VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth Allocation 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 Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Balanced 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 MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <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 VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities 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 T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <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 VP Bond Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009445</mgmtInvSeriesId>
        <mgmtInvLei>549300KB0UVVQINXSS10</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025821" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025820" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>6239770.07000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>24430.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 12d1-1 (17 CFR 270.12d1-1)</relyOnRuleType>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>RBC Capital Markets, LLC</brokerName>
            <brokerFileNo>8-45411</brokerFileNo>
            <brokerCrdNo>000031194</brokerCrdNo>
            <brokerLei>549300LCO2FLSSVFFR64</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>22773.43000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>22773.43000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>322484291.27000000</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>254320410.68000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Pershing LLC</principalName>
            <principalFileNo>8-17574</principalFileNo>
            <principalCrdNo>000007560</principalCrdNo>
            <principalLei>ZI8Q1A8EI8LQFJNM0D94</principalLei>
            <principalStateCountry principalState="US-NJ" principalCountry="US"/>
            <principalTotalPurchaseSale>1087632881.88000000</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>530864993.72000000</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>1251587251.85000000</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>685446482.57000000</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>198714170.15000000</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>809937763.49000000</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>448405596.95000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>629776485.99000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>7186738155.42000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>699780055.03000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <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 VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <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 IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <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 MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Government 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 Growth Allocation Fund" secFileNo="811-22321"/>
                <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 Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <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 Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <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 MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <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 MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal 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 MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity 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"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay VP U.S. Government Money Market Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009447</mgmtInvSeriesId>
        <mgmtInvLei>5493004ZS0CGTLTW4I06</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>1</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025824" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Money Market Fund</fundType>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <didFundLendSecurities>N</didFundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</securitiesAgentLei>
            <isSecuritiesAgentAffiliated>N</isSecuritiesAgentAffiliated>
            <securityAgentIdemnity isSecurityAgentIdemnity="Y">
              <idemnityProviders>
                <idemnityProvider idemnityProviderName="N/A" idemnityProviderLei="N/A"/>
              </idemnityProviders>
              <didIndemnificationRights>N</didIndemnificationRights>
            </securityAgentIdemnity>
          </securityLending>
        </securityLendings>
        <paymentToAgentManagerType>N/A</paymentToAgentManagerType>
        <avgPortfolioSecuritiesValue>N/A</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>N/A</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Morgan Stanley &amp; Co. LLC</principalName>
            <principalFileNo>8-15869</principalFileNo>
            <principalCrdNo>000008209</principalCrdNo>
            <principalLei>9R7GPTSO7KV3UQJZQ078</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>137517572.09000000</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>6882373206.14000000</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>583761706.27000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>TD Securities (USA) LLC</principalName>
            <principalFileNo>8-36747</principalFileNo>
            <principalCrdNo>000018476</principalCrdNo>
            <principalLei>SUVUFHICNZMP2WKHG940</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>6250000000.00000000</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>368401056.46000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>433102217.04000000</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>8715685000.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Bank of Montreal</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>NQQ6HPCNCCU6TUTQYE16</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>1325000000.00000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>BNY Mellon Capital Markets, LLC</principalName>
            <principalFileNo>8-35255</principalFileNo>
            <principalCrdNo>000017454</principalCrdNo>
            <principalLei>VJW2DOOHGDT6PR0ZRO63</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>234587703.00000000</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>753883403.61000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>26328904153.04000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>N</isBrokerageResearchPayment>
        <dailyAvgNetAssets>434682582.94000000</dailyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP MacKay S&amp;P 500 Index Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <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 MacKay Government Fund" secFileNo="811-04550"/>
                <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 Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <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 MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <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 Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <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 MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 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 Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <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 Moderate Growth Allocation 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 MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder 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 VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2040 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 Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth 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 IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay VP MacKay International Equity Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009449</mgmtInvSeriesId>
        <mgmtInvLei>5493001LFCQX1FVGGI90</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025828" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025829" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>5456700.68000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>327419.00000000</netIncomeSecuritiesLending>
        <relyOnRuleTypes>
          <relyOnRuleType>Rule 32a-4 (17 CFR 270.32a-4)</relyOnRuleType>
        </relyOnRuleTypes>
        <isExpenseLimitationInPlace>N</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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <pricingServiceCountry>GB</pricingServiceCountry>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
        </pricingServices>
        <isPricingServiceHiredOrTerminated>N</isPricingServiceHiredOrTerminated>
        <custodians>
          <custodian>
            <custodianName>Skandinaviska Enskilda Banken AB (Helsinki, Uusimaa, FI, Branch)</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>BNP Paribas Securities Services (Athens, Attica, GR, Branch)</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 (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>Euroclear Bank</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>Bank Handlowy w Warszawie Spolka Akcyjna</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</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 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>Cititrust Colombia S A Sociedad Fiduciaria</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>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>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>The Hongkong and Shanghai Banking Corporation Limited (Auckland, Auckland, NZ, Branch)</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>The Hongkong and Shanghai Banking Corporation Limited (Sydney, NSW, AU, Branch)</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>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 (Jung-gu, Seoul, KR, Branch)</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>Itau CorpBanca</custodianName>
            <custodianLei>549300DDPTTIZ06NIV06</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>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>Deutsche Bank Aktiengesellschaft (Amsterdam, Noord Holland, NL, Branch)</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>Skandinaviska Enskilda Banken AB (Oslo, Oslo, NO, Branch)</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>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>Citibank Europe Public Limited Company (Budapest, HU, Branch)</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>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>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>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, National Association (Singapore, SG, Branch)</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 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>Citibank, National Association (Cairo, Cairo, EG, Branch)</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>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>Deutsche Bank Aktiengesellschaft (Mumbai, Maharashtra, IN, Branch)</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 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 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 Aktiengesellschaft (Makati City, Metro Manila, PH, Branch)</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>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>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>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>Deutsche Bank Aktiengesellschaft (Madrid, Madrid, ES, Branch)</custodianName>
            <custodianLei>7LTWFZYICNSX8D621K86</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>Mizuho Bank, Ltd. (Minato ku, Tokyo, JP, Branch)</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 (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 (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>Citibank, National Association (Sao Paulo, Sao Paulo, BR, Branch)</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>Banco Nacional de Mexico, S.A., Integrante del Grupo Financiero Banamex</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>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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>112019.29000000</grossCommission>
          </broker>
          <broker>
            <brokerName>BofA Securities, Inc.</brokerName>
            <brokerFileNo>8-69787</brokerFileNo>
            <brokerCrdNo>000283942</brokerCrdNo>
            <brokerLei>549300HN4UKV1E2R3U73</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>80060.86000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Cowen and Company, LLC</brokerName>
            <brokerFileNo>8-22522</brokerFileNo>
            <brokerCrdNo>000007616</brokerCrdNo>
            <brokerLei>549300WR155U7DVMIW58</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>35220.94000000</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>184179.58000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Pershing LLC</brokerName>
            <brokerFileNo>8-17574</brokerFileNo>
            <brokerCrdNo>000007560</brokerCrdNo>
            <brokerLei>ZI8Q1A8EI8LQFJNM0D94</brokerLei>
            <brokerStateCountry brokerState="US-NJ" brokerCountry="US"/>
            <grossCommission>172441.39000000</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>31012.17000000</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>17105.31000000</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>107848.61000000</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>53541.71000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>53523.30000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>852233.73000000</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>1057460.84000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>82343709.21000000</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>1147587.74000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>84548757.79000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>462633586.73000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <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 VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 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 VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <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 VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <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 Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity 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 Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <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 MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Epoch U.S. Equity Yield Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity 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 VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Short Duration High Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 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 Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <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 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 MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Balanced 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 MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth 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 MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <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 VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
      <managementInvestmentQuestion>
        <mgmtInvFundName>MainStay VP MacKay Mid Cap Core Portfolio</mgmtInvFundName>
        <mgmtInvSeriesId>S000009432</mgmtInvSeriesId>
        <mgmtInvLei>54930047EAJHZR5MMJ62</mgmtInvLei>
        <isFirstFilingByFund>N</isFirstFilingByFund>
        <numAuthorizedClass>2</numAuthorizedClass>
        <numAddedClass>0</numAddedClass>
        <numTerminatedClass>0</numTerminatedClass>
        <sharesOutstandings>
          <sharesOutstanding sharesOutstandingClassName="Service Class" sharesOutstandingClassId="C000025795" sharesOutstandingTickerSymbol="N/A"/>
          <sharesOutstanding sharesOutstandingClassName="Initial Class" sharesOutstandingClassId="C000025794" sharesOutstandingTickerSymbol="N/A"/>
        </sharesOutstandings>
        <fundTypes>
          <fundType>Underlying fund</fundType>
        </fundTypes>
        <isNonDiversifiedCompany>N</isNonDiversifiedCompany>
        <isForeignSubsidiary>N</isForeignSubsidiary>
        <isFundSecuritiesLending>Y</isFundSecuritiesLending>
        <fundLendSecurities didFundLendSecurities="Y">
          <isFundLiquidated>N</isFundLiquidated>
          <isFundAdverselyImpacted>N</isFundAdverselyImpacted>
        </fundLendSecurities>
        <securityLendings>
          <securityLending>
            <securitiesAgentName>State Street Bank and Trust Company</securitiesAgentName>
            <securitiesAgentLei>571474TGEMMWANRLN572</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>4450359.56000000</avgPortfolioSecuritiesValue>
        <netIncomeSecuritiesLending>951284.00000000</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>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>
        <isTransferAgentHiredOrTerminated>N</isTransferAgentHiredOrTerminated>
        <pricingServices>
          <pricingService>
            <pricingServiceName>Refinitiv US Holdings Inc.</pricingServiceName>
            <pricingServiceLei>549300NF240HXJO7N016</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>ICE Data Services, Inc.</pricingServiceName>
            <pricingServiceLei>13-3668779</pricingServiceLei>
            <pricingServiceIdNumberDesc>Tax ID</pricingServiceIdNumberDesc>
            <pricingServiceStateCountry pricingServiceState="US-MA" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>Bloomberg L.P.</pricingServiceName>
            <pricingServiceLei>549300B56MD0ZC402L06</pricingServiceLei>
            <pricingServiceStateCountry pricingServiceState="US-NY" pricingServiceCountry="US"/>
            <isPricingServiceAffiliated>N</isPricingServiceAffiliated>
          </pricingService>
          <pricingService>
            <pricingServiceName>IHS Markit Ltd.</pricingServiceName>
            <pricingServiceLei>549300HLPTRASHS0E726</pricingServiceLei>
            <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>
        </custodians>
        <isCustodianHiredOrTerminated>N</isCustodianHiredOrTerminated>
        <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>
        </admins>
        <isAdminHiredOrTerminated>N</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>Virtu Itg LLC</brokerName>
            <brokerFileNo>8-44218</brokerFileNo>
            <brokerCrdNo>000029299</brokerCrdNo>
            <brokerLei>549300S41SMIODVIT266</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>81108.02000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Citigroup Global Markets Inc.</brokerName>
            <brokerFileNo>8-8177</brokerFileNo>
            <brokerCrdNo>000007059</brokerCrdNo>
            <brokerLei>MBNUM2BPBDO7JBLYG310</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>60028.85000000</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>85856.60000000</grossCommission>
          </broker>
          <broker>
            <brokerName>The Williams Capital Group, L.P.</brokerName>
            <brokerFileNo>8-46623</brokerFileNo>
            <brokerCrdNo>000035149</brokerCrdNo>
            <brokerLei>254900QGK3PNRGR9BD85</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>324533.64000000</grossCommission>
          </broker>
          <broker>
            <brokerName>SG Americas Securities, LLC</brokerName>
            <brokerFileNo>8-66125</brokerFileNo>
            <brokerCrdNo>000128351</brokerCrdNo>
            <brokerLei>549300F35UE0BOM1WJ55</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>100651.05000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Guardian Capital LP</brokerName>
            <brokerFileNo>N/A</brokerFileNo>
            <brokerCrdNo>000105078</brokerCrdNo>
            <brokerLei>549300F70RYK3Z5ZPU58</brokerLei>
            <brokerCountry>CA</brokerCountry>
            <grossCommission>159928.71000000</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>70645.15000000</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>77360.57000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Jefferies LLC</brokerName>
            <brokerFileNo>8-15074</brokerFileNo>
            <brokerCrdNo>000002347</brokerCrdNo>
            <brokerLei>58PU97L1C0WSRCWADL48</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>137550.63000000</grossCommission>
          </broker>
          <broker>
            <brokerName>Instinet, LLC</brokerName>
            <brokerFileNo>8-23669</brokerFileNo>
            <brokerCrdNo>000007897</brokerCrdNo>
            <brokerLei>549300MGMN3RKMU8FT57</brokerLei>
            <brokerStateCountry brokerState="US-NY" brokerCountry="US"/>
            <grossCommission>77370.77000000</grossCommission>
          </broker>
        </brokers>
        <aggregateCommission>1290955.84000000</aggregateCommission>
        <principalTransactions>
          <principalTransaction>
            <principalName>Guardian Capital LP</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000105078</principalCrdNo>
            <principalLei>549300F70RYK3Z5ZPU58</principalLei>
            <principalCountry>CA</principalCountry>
            <principalTotalPurchaseSale>476199717.60000000</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>57530228.86000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Citigroup Global Markets Inc.</principalName>
            <principalFileNo>8-8177</principalFileNo>
            <principalCrdNo>000007059</principalCrdNo>
            <principalLei>MBNUM2BPBDO7JBLYG310</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>146960968.02000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Goldman Sachs &amp; Co. LLC</principalName>
            <principalFileNo>8-129</principalFileNo>
            <principalCrdNo>000000361</principalCrdNo>
            <principalLei>FOR8UP27PHTHYVLBNG30</principalLei>
            <principalStateCountry principalState="US-NY" principalCountry="US"/>
            <principalTotalPurchaseSale>1963726.30000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>State Street Bank and Trust Company</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>571474TGEMMWANRLN572</principalLei>
            <principalStateCountry principalState="US-MA" principalCountry="US"/>
            <principalTotalPurchaseSale>82892853.82000000</principalTotalPurchaseSale>
          </principalTransaction>
          <principalTransaction>
            <principalName>Societe Generale</principalName>
            <principalFileNo>N/A</principalFileNo>
            <principalCrdNo>000000000</principalCrdNo>
            <principalLei>O2RNE8IBXP4R0TD8PU41</principalLei>
            <principalCountry>FR</principalCountry>
            <principalTotalPurchaseSale>144857.84000000</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>36695675.25000000</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>72080071.42000000</principalTotalPurchaseSale>
          </principalTransaction>
        </principalTransactions>
        <principalAggregatePurchase>874468099.11000000</principalAggregatePurchase>
        <isBrokerageResearchPayment>Y</isBrokerageResearchPayment>
        <mnthlyAvgNetAssets>892889210.67000000</mnthlyAvgNetAssets>
        <lineOfCredit hasLineOfCredit="Y">
          <lineOfCreditDetails>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Uncommitted</isCreditLineCommitted>
              <lineOfCreditSize>100000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <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 MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Pimco Real Return Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay New York Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay International Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Income Builder Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2020 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 Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Floating Rate Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2010 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Moderate Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <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 VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Total Return Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Convertible Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay High Yield Corporate Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <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 Retirement 2060 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 MacKay International Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
            <lineOfCreditDetail>
              <isCreditLineCommitted>Committed</isCreditLineCommitted>
              <lineOfCreditSize>600000000.00000000</lineOfCreditSize>
              <lineOfCreditInstitutions>
                <lineOfCreditInstitution creditInstitutionName="Credit Suisse AG"/>
                <lineOfCreditInstitution creditInstitutionName="Barclays Bank"/>
                <lineOfCreditInstitution creditInstitutionName="HSBC Bank USA"/>
                <lineOfCreditInstitution creditInstitutionName="State Street Bank and Trust"/>
                <lineOfCreditInstitution creditInstitutionName="Citibank, N.A."/>
                <lineOfCreditInstitution creditInstitutionName="Bank of Montreal"/>
                <lineOfCreditInstitution creditInstitutionName="U.S. Bank National Association"/>
                <lineOfCreditInstitution creditInstitutionName="Bank of New York Mellon"/>
              </lineOfCreditInstitutions>
              <sharedCreditType creditType="Shared">
                <creditUser fundName="MainStay MacKay Government Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Indexed Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Moderate Growth Allocation Fund" secFileNo="811-22321"/>
                <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 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 VP Emerging Markets Equity Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay Unconstrained Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP Janus Henderson Balanced Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Balanced Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Debt Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay High Yield Municipal Bond Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Common Stock Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay MacKay Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Short Term Municipal Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay S&amp;P 500 Index Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Cushing Renaissance Advantage Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Large Cap Growth Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Moderate Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. Small Cap 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 Retirement 2030 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP T. Rowe Price Equity Income Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MAP Equity Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2050 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Small Cap Core Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Global Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2060 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Convertible Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Growth Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay High Yield Corporate Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Retirement 2020 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch Global Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay California Tax Free Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay MacKay Tax Free Bond Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay Epoch U.S. Equity Yield Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP MacKay Mid Cap Core 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 MacKay U.S. Equity Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch International Choice Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Conservative Allocation Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Epoch U.S. All Cap Fund" secFileNo="811-22321"/>
                <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 New York 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 VP Conservative Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Candriam Emerging Markets Equity Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Large Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Mellon Natural Resources Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Retirement 2040 Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Eagle Small Cap Growth Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Income Builder Fund" secFileNo="811-04550"/>
                <creditUser fundName="MainStay VP MacKay Unconstrained Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay MacKay International Opportunities Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay Retirement 2010 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 VP Indexed Bond Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay Epoch Capital Growth Fund" secFileNo="811-22321"/>
                <creditUser fundName="MainStay VP Floating Rate Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Common Stock Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Moderate Growth Allocation Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP MacKay Government Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP Fidelity Institutional AMSM Utilities Portfolio" secFileNo="811-03833-01"/>
                <creditUser fundName="MainStay VP IQ Hedge Multi-Strategy Portfolio" secFileNo="811-03833-01"/>
              </sharedCreditType>
              <isCreditLineUsed>N</isCreditLineUsed>
            </lineOfCreditDetail>
          </lineOfCreditDetails>
        </lineOfCredit>
        <isInterfundLending>N</isInterfundLending>
        <isInterfundBorrowing>N</isInterfundBorrowing>
        <isSwingPricing>N</isSwingPricing>
      </managementInvestmentQuestion>
    </managementInvestmentQuestionSeriesInfo>
    <attachmentsTab>
      <isIPAReportInternalControl>true</isIPAReportInternalControl>
    </attachmentsTab>
    <signature registrantSignedName="MAINSTAY VP FUNDS TRUST" signedDate="2020-03-11" signature="Jack Benintende" title="Treasurer"/>
  </formData>
</edgarSubmission>
