SUPPLEMENT DATED FEBRUARY 7, 2019 TO THE FOLLOWING PROSPECTUSES (AS SUPPLEMENTED) DATED MAY 1, 2018 TO THE FOLLOWING PROSPECTUS DATED MAY 1, 2016

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1 NI030 SUPPLEMENT DATED FEBRUARY 7, 2019 TO THE FOLLOWING PROSPECTUSES (AS SUPPLEMENTED) DATED MAY 1, 2018 New York Life Complete Access Variable Annuity New York Life Complete Access Variable Annuity II New York Life Elite Variable Annuity New York Life Essentials Variable Annuity New York Life Flexible Premium Variable Annuity New York Life Flexible Premium Variable Annuity II New York Life Flexible Premium Variable Annuity III New York Life Income Plus Variable Annuity New York Life Income Plus Variable Annuity II New York Life Premier Variable Annuity New York Life Premier Variable Annuity II New York Life Premier Plus Variable Annuity New York Life Premier Plus Variable Annuity II New York Life Premier Variable Annuity FP Series New York Life Premium Plus Variable Annuity New York Life Premium Plus II Variable Annuity New York Life Premium Plus Elite Variable Annuity New York Life Variable Annuity TO THE FOLLOWING PROSPECTUS DATED MAY 1, 2016 New York Life Access Variable Annuity TO THE FOLLOWING PROSPECTUSES DATED MAY 1, 2009 New York Life Longevity Benefit Variable Annuity New York Life Select Variable Annuity TO THE FOLLOWING PROSPECTUSES DATED MAY 1, 2008 New York Life (formerly MainStay) Access Variable Annuity New York Life (formerly MainStay) Plus Variable Annuity New York Life (formerly MainStay) Plus II Variable Annuity New York Life (formerly MainStay) Premium Plus Variable Annuity New York Life (formerly MainStay) Premium Plus II Variable Annuity New York Life (formerly MainStay) Select Variable Annuity INVESTING IN THE FOLLOWING SEPARATE ACCOUNTS NYLIAC Variable Annuity Separate Account-I NYLIAC Variable Annuity Separate Account-II NYLIAC Variable Annuity Separate Account-III NYLIAC Variable Annuity Separate Account-IV This supplement amends the prospectuses (each a Prospectus, and together, the Prospectuses ) for the New York Life variable annuity policies listed above that are issued by New York Life Insurance and Annuity Corporation ( NYLIAC ). This supplement describes changes to the investment options available under such policies. You should read this information carefully and retain this supplement for future reference together with the Prospectus for your policy. This supplement is not valid unless it is read in conjunction with the Prospectus for your policy. All capitalized terms used but not defined herein have the same meaning as those included in the Prospectuses. As applicable to your Prospectus, this supplement describes the following changes to the (1)(a) MainStay VP Epoch U.S. Small Cap Portfolio (the MSVP Epoch Portfolio ) and (b) MainStay VP MacKay Small Cap Core Portfolio (the MSVP MacKay Portfolio ) that will become effective on May 1, 2019 (the Effective Date ) and (2) MainStay VP Mellon Natural Resources Portfolio (the MSVP Mellon Portfolio ), effective January 2, a. MSVP EPOCH PORTFOLIO MERGER The Board of Trustees of the Mainstay VP Funds Trust (the Board ) have approved a proposal that the MainStay VP Epoch U.S. Small Cap Portfolio (the Acquired Portfolio ) be merged into the MainStay VP MacKay Small Cap Core Portfolio (the Acquiring Portfolio ), followed by the complete liquidation of the Acquired Portfolio (the Merger ). Shareholder approval is required for the Merger to take place. If shareholder approval is obtained, on or about April 22, 2019, the Merger will take place on the Effective Date. VASUPP D (02-19)

2 Acquired Portfolio MainStay VP Epoch U.S. Small Cap Portfolio Proposed Merger Policyowners with Accumulation Value Allocated to the Acquired Portfolio: Acquiring Portfolio MainStay VP MacKay Small Cap Core Portfolio As a result of the Merger, unless you take action (see Prior to the Effective Date and After the Effective Date below), on the Effective Date, any Accumulation Value you have allocated to the Acquired Portfolio will be transferred to the Acquiring Portfolio. Prior to the Effective Date. For forty-five (45) days before the Effective Date, if you have allocations in the Acquired Portfolio, you may transfer such allocations to any other available investment option without any charge or limitation (except potentially harmful transfers (see the Limits on Transfers section in the Prospectus for your policy)) and without the transfer counting toward the number of free transfers that otherwise may be made in a given Policy Year. Such transfer will be based on the Accumulation Unit value of the Investment Division for the Acquired Portfolio as of the close of the Business Day that we receive the transfer request. All other transfers are subject to limitations, and may be subject to charges, as described in the Prospectus for your policy. Please see the Prospectus for your policy for information on how to complete transfers from the Acquired Portfolio to other investment options that we currently offer. Until the Effective Date, we will continue to process automatic transactions (such as dollar cost averaging, automatic asset rebalancing and interest sweep), involving the Acquired Portfolio, unless you provide us with alternate allocation instructions. Also note that the Acquired Portfolio will not accept new premium payment allocations or transfers as of the Effective Date. On the Effective Date. Any of your allocations that remain in the Acquired Portfolio will be redeemed. Those redemptions will then be used to purchase Accumulation Units in the Acquiring Portfolio. All policyowners affected by the Merger will receive written confirmation of the transaction. The redemption and subsequent repurchase transactions required to effectuate the Merger will not be treated as transfers that count toward the number of free transfers that may otherwise be made in a given Policy Year. Your Accumulation Value immediately prior to the Effective Date will be equal to your Accumulation Value immediately after the Effective Date; however, the number of units you receive in the Acquiring Portfolio may be different from the number of units in the Acquired Portfolio. After the Effective Date. Immediately following the Effective Date, the Acquired Portfolio will no longer be available as an investment option under the policies. In addition, for the sixty (60) days following the Effective Date, you may transfer all or a portion of your Accumulation Value out of the Acquiring Portfolio to another investment option without any charge or limitation (except potentially harmful transfers (see the Limits on Transfers section in the Prospectus for your Policy)) and without the transfer counting toward the number of free transfers that otherwise may be made in a given Policy Year. Such transfer will be based on the Accumulation Unit value of the Acquiring Portfolio as of the close of the Business Day that we receive the transfer request. All other transfers are subject to limitations, and may be subject to charges, as described in the Prospectus for your policy. Please see the Prospectus for your policy for information on how to complete transfers from the Acquiring Portfolio to other investment options that we currently offer. We will also continue to process automatic transactions (such as dollar cost averaging, automatic asset rebalancing and interest sweep) after the Effective Date, except that allocations previously processed to or from the Acquired Portfolio will be processed to or from the Acquiring Portfolio. A complete list of the investment options that are available under your policy, other than the initial share class of the Acquiring Portfolio (applicable to prospectuses with MainStay VP Epoch U.S. Small Cap Portfolio Initial Class only), is set forth in the Prospectus for your policy. You may obtain a copy of the Prospectus for your policy by contacting your registered representative V5 2 VASUPP D (02-19)

3 1b. MSVP MACKAY PORTFOLIO SERVICE CLASS SHARE CLASS SUBSITUTION For prospectuses with the MainStay VP Epoch U.S. Small Cap Portfolio Initial Class only: On the Effective Date: (i) (ii) the MainStay VP MacKay Small Cap Core Portfolio Initial Class will be available as an investment option under your Policy and; shares of the MainStay VP MacKay Small Cap Core Portfolio Service Class ( Existing Portfolio Class ) will be substituted (the Share Class Substitution ) for shares of the MainStay VP MacKay Small Cap Core Portfolio Initial Class (the Replacement Portfolio Class ). This means that simultaneous to the MainStay VP MacKay Small Cap Core Portfolio Initial Class being made available as an investment option under your Policy, for Policyowners with Accumulation Value allocated to the MainStay VP MacKay Small Cap Core Portfolio Service Class, on the Effective Date, such Accumulation Value will be transferred to the MainStay VP MacKay Small Cap Core Portfolio Initial Class on the Effective Date. The result of the Share Class Substitution is that Policyowners with Accumulation Value currently allocated to the Existing Portfolio Class will instead hold shares of the Replacement Portfolio Class which has fees that are 0.25% lower. Existing Portfolio Class MainStay VP MacKay Small Cap Core Portfolio Share Class Share Class Substitution Replacement Portfolio Class MainStay VP MacKay Small Cap Core Portfolio Initial Class 2. MSVP MELLON PORTFOLIO SUBADVISER NAME CHANGE Effective January 2, 2019, the MSVP Mellon Portfolio subadviser, BNY Mellon Asset Management North America Corporation was renamed Mellon Investments Corporation. New York Life Insurance and Annuity Corporation (a Delaware Corporation) 51 Madison Avenue New York, New York V5 3 VASUPP D (02-19)

4 SUPPLEMENT TO THE PROSPECTUS The date of this supplement is August 28, For Certain MFS Funds Effective on or about November 1, 2018, the address for "MFS Service Center, Inc." in the paragraph directly under the section "Statement of Additional Information (SAI)." on the back cover page is restated as follows: MFS Service Center, Inc. P.O. Box Kansas City, MO I (08/18) MULTI-SUP-IV

5 BLACKROCK VARIABLE SERIES FUNDS II, INC. BlackRock High Yield V.I. Fund BlackRock Total Return V.I. Fund BlackRock U.S. Government Bond V.I. Fund (each, a Fund and collectively, the Funds ) Supplement dated September 17, 2018 to the Prospectuses and the Statement of Additional Information of each Fund, each dated July 17, 2018, as supplemented to date On September 17, 2018 (the Closing Date ), each Fund acquired the assets, subject to the liabilities, of the corresponding series of BlackRock Variable Series Funds, Inc. (each, a Predecessor Fund ) set forth in the table below through a tax-free reorganization (each, a Reorganization ): Fund, each a series of BlackRock Variable Series Funds II, Inc. BlackRock High Yield V.I. Fund BlackRock Total Return V.I. Fund BlackRock U.S. Government Bond V.I. Fund Corresponding Predecessor Fund, each a series of BlackRock Variable Series Funds, Inc. BlackRock High Yield V.I. Fund BlackRock Total Return V.I. Fund BlackRock U.S. Government Bond V.I. Fund As a result of each Reorganization, shareholders of the applicable Predecessor Fund received shares of the corresponding Fund of the same class and with the same aggregate net asset value as their shares held in the Predecessor Fund as of the Closing Date. Each Predecessor Fund is the accounting survivor of its Reorganization, which means the corresponding Fund adopted the performance and financial history of such Predecessor Fund as of the Closing Date. PRSAI-VARII-0918SUP Shareholders should retain this Supplement for future reference J (09/18)

6 MAINSTAY VP FUNDS TRUST MainStay VP Income Builder Portfolio MainStay VP MacKay Government Portfolio MainStay VP MacKay Unconstrained Bond Portfolio (each a Portfolio and collectively the Portfolios ) Supplement dated October 18, 2018 ( Supplement ) to: MainStay VP Funds Trust Prospectus, and Summary Prospectuses, each dated May 1, 2018 as supplemented and Statement of Additional Information ( SAI ), dated May 1, 2018, as amended, September 10, 2018, as supplemented Capitalized terms and certain other terms used in this Supplement, unless otherwise defined in this Supplement, have the meanings assigned to them in the Prospectus, Summary Prospectuses and SAI. 1. Effective immediately, Stephen R. Cianci, CFA and Neil Moriarty, III will join the portfolio management teams for each of the Portfolios. Except for this change and the change described immediately below, the portfolio management teams for each Portfolio will remain the same. 2. Louis N. Cohen will no longer serve as a portfolio manager for the Portfolios on or about December 31, All references to Mr. Cohen will be deleted at that time. 3. The table in the sections entitled Management of the Prospectus and Summary Prospectuses with respect to each Portfolio is amended to include the following: MacKay Shields, LLC Stephen R. Cianci, Senior Managing Director Neil Moriarty, III, Senior Managing Director Since October 2018 Since October In the section of the Prospectus entitled The Fund and its Management, the subsection entitled Portfolio Manager Biographies is amended to include the following: Stephen R. Cianci, CFA Neil Moriarty, III Stephen Cianci is a Senior Managing Director and Senior Portfolio Manager for the Global Fixed Income team of MacKay Shields LLC. He has managed the MainStay VP Income Builder Portfolio, MainStay VP MacKay Government Portfolio and MainStay VP MacKay Unconstrained Bond Portfolio since October Prior to joining MacKay Shields in 2018, Mr. Cianci was with Aberdeen for seven years where his responsibilities included Head of US Core Plus and Opportunistic fixed income on the North American Fixed Income team. Before joining with Aberdeen, Mr. Cianci worked as Co-Head of Core and Core Plus fixed income strategies, lead portfolio manager for Short Duration products and the Head of Structured Products at Logan Circle Partners. Previously, Mr. Cianci held similar roles as a Senior Vice President and Senior Portfolio Manager at Delaware Investments. He is an adjunct professor of finance and a member of the Business Advisory Council at Widener University. Neil Moriarty, III is a Senior Managing Director and Senior Portfolio Manager for the Global Fixed Income Team of MacKay Shields LLC. He has managed the MainStay VP Income Builder Portfolio, MainStay VP MacKay Government Portfolio and MainStay VP MacKay Unconstrained Bond Portfolio since October Prior to joining MacKay Shields in 2018, Mr. Moriarty was with Aberdeen via the 2005 acquisition of Deutsche Asset Management s London and Philadelphia Fixed income businesses. While at Aberdeen, his responsibilities included Head of US Core, Structured Products and Co-Head of US Core Short Duration. Mr. Moriarty joined Deutsche in 2002 from Swarthmore/Cypress Capital Management where he worked in fixed income portfolio management. Previously, Mr. Moriarty worked for Chase Securities in fixed income trading 14135N (10/18)

7 and research. Prior to that, Mr. Moriarty worked for Paine Webber in fixed income trading and research. Mr. Moriarty has been working in the investment industry since The SAI section entitled Portfolio Managers is amended as follows: PORTFOLIO MANAGER Stephen R. Cianci* Neil Moriarty, III* a. The table beginning on page 108 is amended to include the following: PORTFOLIOS MANAGED BY PORTFOLIO MANAGER MainStay VP Income Builder Portfolio, MainStay VP MacKay Government Portfolio, MainStay VP MacKay Unconstrained Bond Portfolio MainStay VP Income Builder Portfolio, MainStay VP MacKay Government Portfolio, MainStay VP MacKay Unconstrained Bond Portfolio NUMBER OF OTHER ACCOUNTS MANAGED AND ASSETS BY ACCOUNT TYPE REGISTERED INVESTMENT COMPANIES OTHER POOLED INVESTMENT VEHICLES 0 13 Accounts $2,403,646, Accounts $2,403,646,622 OTHER ACCOUNTS 102 Accounts $16,939,606, Accounts $16,939,606,094 NUMBER OF ACCOUNTS AND ASSETS FOR WHICH THE ADVISORY FEE IS BASED ON PERFORMANCE REGISTERED INVESTMENT COMPANIES OTHER POOLED INVESTMENT VEHICLES 0 0 Accounts $0 0 0 Accounts $0 *The information presented for Messrs. Stephen R. Cianci, CFA and Neil Moriarty, III is as of August 31, b. The table beginning on page 122 is amended to include the following: OTHER ACCOUNTS 1 Accounts $1,325,510,710 1 Accounts $1,325,510,710 PORTFOLIO MANAGER PORTFOLIO $ RANGE OF OWNERSHIP Stephen R. Cianci* MainStay VP Income Builder Portfolio None MainStay VP MacKay Government Portfolio MainStay VP MacKay Unconstrained Bond Portfolio Neil Moriarty, III* MainStay VP Income Builder Portfolio MainStay VP MacKay Government Portfolio MainStay VP MacKay Unconstrained Bond Portfolio None *The information presented for Messrs. Stephen R. Cianci, CFA and Neil Moriarty, III is as of August 31, PLEASE RETAIN THIS SUPPLEMENT FOR YOUR FUTURE REFERENCE.

8 DELAWARE VIP TRUST Delaware VIP Diversified Income Series Delaware VIP Emerging Markets Series Delaware VIP Smid Cap Core Series Delaware VIP High Yield Series Delaware VIP International Value Equity Series Delaware VIP Limited-Term Diversified Income Series Delaware VIP REIT Series Delaware VIP Small Cap Value Series Delaware VIP U.S. Growth Series Delaware VIP Value Series (each, a Series ) Supplement to the Series Standard Class and Service Class Statutory Prospectuses dated April 30, 2018 Effective as of the date of this supplement, the following replaces the information in the section of the Series Prospectus entitled Important information about the Series Certain management considerations : Investments by fund of funds and similar investment vehicles Certain fund of funds and pooled vehicles, whose shareholders are limited to insurance companies investment accounts, may invest in the Series. From time to time, they may place large purchase or redemption orders with the Series due to their allocation or rebalancing requirements. While it is impossible to predict the overall impact of these transactions over time, there could be adverse effects on portfolio management. For example, the Series may be required to sell securities or invest cash at times when it would not otherwise do so. These transactions could also have tax consequences if sales of securities result in gains, and could also increase transaction costs or portfolio turnover. Because everyone s tax situation is unique, you should consult your tax professional about federal, state, local, or foreign tax consequences before making an investment in a Series. Delaware Management Company (Manager) is an indirect wholly owned subsidiary of Macquarie Group Limited (MGL). Other than Macquarie Bank Limited (MBL), a subsidiary of MGL and an affiliate of the Manager, none of the entities noted are authorized deposittaking institutions for the purposes of the Banking Act 1959 (Commonwealth of Australia). The obligations of these entities do not represent deposits or other liabilities of MBL. MBL does not guarantee or otherwise provide assurance in respect of the obligations of these entities, unless noted otherwise. The Series are governed by US laws and regulations. Please keep this supplement for future reference. This Supplement is dated November 30, O (11/18)

9 Janus Aspen Series Janus Henderson Balanced Portfolio Janus Henderson Enterprise Portfolio Janus Henderson Flexible Bond Portfolio Janus Henderson Forty Portfolio Janus Henderson Global Bond Portfolio Janus Henderson Global Research Portfolio Janus Henderson Global Technology Portfolio Janus Henderson Mid Cap Value Portfolio Janus Henderson Overseas Portfolio Janus Henderson Research Portfolio Janus Henderson U.S. Low Volatility Portfolio (each, a Portfolio and collectively, the Portfolios ) Supplement dated December 3, 2018 to Currently Effective Prospectuses Effective December 1, 2018, the Securities and Exchange Commission (the Commission ) has adopted a new rule, Rule 22e-4 under the Investment Company Act of 1940, as amended ( 1940 Act ), that requires registered open-end management investment companies to establish a liquidity risk management program. The Commission also adopted amendments to other rules under the 1940 Act relating to a portfolio s limitation on illiquid investments. In response to the above changes, the Portfolios Prospectuses will be revised as follows: 1. In the Additional Investment Strategies and General Portfolio Policies section of the Portfolios Prospectuses, the following replaces the paragraph under Illiquid Investments in its entirety: Each Portfolio will not acquire any illiquid investment if, immediately after the acquisition, a Portfolio would have invested more than 15% of its net assets in illiquid investments that are assets. An illiquid investment is any investment that a Portfolio reasonably expects cannot be sold or disposed of in current market conditions in seven calendar days or less without the sale or disposition significantly changing the market value of the investment. For example, some securities are not registered under U.S. securities laws and cannot be sold to the U.S. public because of Securities and Exchange Commission regulations (these are known as restricted securities ). Please retain this Supplement with your records P (12/18)

10 SUPPLEMENT TO THE CURRENTLY EFFECTIVE SUMMARY PROSPECTUSES DWS Alternative Asset AllocationVIP The following information replaces the existing disclosure contained under the Portfolio Manager(s) sub-heading of the MANAGEMENT section of the fund s summary prospectuses. Pankaj Bhatnagar, PhD, Managing Director. Portfolio Manager of the fund. Began managing the fund in Darwei Kung, Managing Director. Portfolio Manager of the fund. Began managing the fund in Dokyoung Lee, CFA, Director. Portfolio Manager of the fund. Began managing the fund in Please Retain This Supplement for Future Reference December 6, 2018 PROSTKR Q (12/18)

11 MAINSTAY VP FUNDS TRUST MainStay VP Epoch U.S. Small Cap Portfolio (the Portfolio ) Supplement dated December 14, 2018 ( Supplement ) to the Prospectuses and Summary Prospectuses dated May 1, 2018 and Statement of Additional Information ( SAI ) dated May 1, 2018, as amended November 30, 2018 Capitalized terms and certain other terms used in this Supplement, unless otherwise defined in this Supplement, have the meanings assigned to them in the Prospectuses, Summary Prospectuses and SAI. At a meeting held on December 10-12, 2018, the Board of Trustees considered and approved submitting the following proposal (the Proposal ) to shareholders of the Portfolio at a special meeting to be held on or about April 30, 2019 (with any postponements or adjournments, Special Meeting ): To approve an Agreement and Plan of Reorganization providing for the acquisition of the assets and liabilities of the MainStay VP Epoch U.S. Small Cap Portfolio by MainStay VP MacKay Small Cap Core Portfolio (the Acquiring Portfolio ), each a series of MainStay VP Funds Trust, in exchange for shares of the Acquiring Portfolio, followed by the distribution of shares of the same class of the Acquiring Portfolio to the shareholders of record of the Portfolio and the complete liquidation of the Portfolio (the Reorganization ). On or about March 11, 2019, shareholders of record of the Portfolio as of the close of business on the record date will be sent a proxy statement/prospectus containing further information regarding the Proposal. The proxy statement/prospectus will also include information about the Special Meeting, at which shareholders of the Portfolio will be asked to consider and approve the Proposal. In addition, the proxy statement/prospectus will include information about voting on the Proposal and options shareholders will have to either attend the Special Meeting in person or to provide voting instructions with respect to their shares. New York Life Investment Management LLC will bear the cost of direct expenses relating to the Special Meeting and the direct costs associated with the purchase and sale of securities of the Portfolio conducted in connection with the Reorganization. MainStay VP Funds Trust has been informed by NYLIAC that the Reorganization will not affect your rights under your variable annuity contract or a variable universal life insurance policy ( Policy ) issued by New York Life Insurance and Annuity Corporation, a Delaware corporation ( NYLIAC ), or NYLIAC s obligations under your Policy. In addition, MainStay VP Funds Trust has been informed by NYLIAC that you may transfer your allocation in the Portfolio to another investment option available under your Policy without any charges and the transfer would not count against any free transfers available during a particular period through the Reorganization and for 60 days after the Reorganization. This Supplement is not a solicitation of any proxy. PLEASE RETAIN THIS SUPPLEMENT FOR YOUR FUTURE REFERENCE _ R (12/18)

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14 MAINSTAY VP FUNDS TRUST MainStay VP PIMCO Real Return Portfolio (a Portfolio ) Supplement dated January 10, 2019 ( Supplement ) to: MainStay VP Funds Trust Prospectus, and the Portfolio s Summary Prospectuses, each dated May 1, 2018, as supplemented Capitalized terms and certain other terms used in this Supplement, unless otherwise defined in this Supplement, have the meanings assigned to them in the Prospectus and Summary Prospectuses. 1. Effective immediately, Stephen A. Rodosky will join the portfolio management team for the Portfolio. Except for this change and the changes described immediately below, the portfolio management team for the Portfolio will remain the same. 2. Jeremie Banet will no longer serve as a portfolio manager for the Portfolio. All references to Mr. Banet should be deleted. 3. The table in the sections entitled Management of the Prospectus and Summary Prospectuses with respect the Portfolio is amended to include the following: Pacific Investment Management Company LLC Stephen A. Rodosky, Managing Director Since January In the section of the Prospectus entitled The Fund and its Management, the subsection entitled Portfolio Manager Biographies is amended to include the following: Stephen A. Rodosky Mr. Rodosky is a Managing Director with PIMCO and has managed the MainStay VP PIMCO Real Return since January He joined PIMCO in 2001 and specializes in portfolio management of treasuries, agencies and futures. PLEASE RETAIN THIS SUPPLEMENT FOR YOUR FUTURE REFERENCE T (01/19)

15 MAINSTAY VP FUNDS TRUST MainStay VP Epoch U.S. Small Cap Portfolio (the Portfolio ) Supplement dated January 30, 2019 ( Supplement ) to the Summary Prospectus and Prospectus dated May 1, 2018, as supplemented and to the Statement of Additional Information, dated May 1, 2018, as amended, November 30, 2018, as supplemented Capitalized terms and certain other terms used in this Supplement, unless otherwise defined in this Supplement, have the meanings assigned to them in the Prospectus. Effective immediately, Michael Caputo will no longer serve as a portfolio manager of the Portfolio. All references to Mr. Caputo are deleted in their entirety. PLEASE RETAIN THIS SUPPLEMENT FOR YOUR FUTURE REFERENCE _ U (01/19)

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