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New York Life Variable Annuity Product Prospectus May 1, 2020 Sign up for electronic delivery of your prospectus, annual and semi-annual reports. For full details on electronic delivery, including who can participate and what you can receive via eDelivery, please log on to www.newyorklife.com. This product prospectus is not complete or valid unless accompanied by the book of current fund prospectuses for each of the funds listed on page 1. Contents include a summary of variable annuity features.

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Page 1: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

New York LifeVariable AnnuityProduct Prospectus May 1, 2020

Sign up for electronic delivery of your prospectus, annual and semi-annual reports. For full details onelectronic delivery, including who can participate and what you can receive via eDelivery, please log on towww.newyorklife.com.

This product prospectus is not complete or valid unless accompanied by the book of current fundprospectuses for each of the funds listed on page 1. Contents include a summary of variable annuity features.

Page 2: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

Contents of Package Includes:

Summary of New York Life Variable Annuity Features

New York Life Variable Annuity Product Prospectus

NYLIAC Individual Retirement Annuity Disclosure Statement

NYLIAC Roth Individual Retirement Annuity Disclosure Statement

NYLIAC SIMPLE Individual Retirement Annuity Disclosure Statement

The New York Life Variable Annuity Prospectus and Statement of Additional Informationare posted on Our website, www.newyorklife.com.

Page 3: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

New York Life Variable AnnuitiesThis summary document reviews important points to consider before you buy a New York Life variable annuity. As this

document is not part of either the annuity policy or the variable annuity prospectus, please read the prospectus for thespecific New York Life variable annuity you are considering for important information required under federal securities laws.Capitalized terms used but not defined in this summary document have the meaning assigned to such terms in theprospectus for the New York Life variable annuity you are considering.

New York Life offers both single premium and flexible premium deferred variable annuities. Single premium means youbuy the annuity with one premium payment. Flexible premium means you can make additional payments to the annuity afterit is issued.

If you purchase a non-qualified annuity, potential growth in the annuity will receive tax-deferred treatment. This meansthat you do not pay taxes on the annuity’s accumulated earnings until the money is paid to you. In addition, please note thatmost New York Life variable annuities are available for use with tax-qualified retirement plans, like IRAs. The tax-deferraltreatment that these annuities receive is similar to the tax treatment received in a tax-qualified retirement plan. Please seethe "TAXES—Does buying an annuity in a retirement plan provide extra tax benefits?” section of this summary document forfurther details.

New York Life variable annuities may accumulate earnings in two ways: 1) from various investment choices we offerand 2) from a fixed interest account of New York Life Insurance and Annuity Corporation (NYLIAC) (if available). You canuse an annuity to save money for retirement and to receive retirement income for life. A variable annuity is not meant to meetshort-term investment goals.

If you have questions about the New York Life Variable Annuity you are considering, please ask your NYLIFESecurities Registered Representative, or contact a company representative at 1-800-598-2019.

THE NEW YORK LIFE VARIABLE ANNUITIESWhat are the benefits of my New York Life variable annuity?

The New York Life variable annuity you are considering is a contract between you and NYLIAC. We agree to makepayments to you at some time in the future based on the policies Accumulation Value. You can invest your money in ourfixed interest account(s) (if available) and in any or all of the variable investment choices we offer. The annuity includes adeath benefit that will be paid to your beneficiary (ies) if you die before the date we begin to pay you income from yourannuity (the “Annuity Commencement Date”). You also have choices about how we pay you income from the annuity,including payments guaranteed to last as long as you live.

Investment Divisions:

You may choose from a number of Investment Divisions. We do not guarantee the principal or investmentperformance of the amounts you allocate to the Investment Divisions. Depending on current market conditions, you canmake or lose money in any of the Investment Divisions. Please refer to the first page of the prospectus for a list of theInvestment Divisions available to you.

Fixed Account:

New York Life variable annuities offer a Fixed Account (in jurisdictions where available) that is credited with a fixedinterest rate, which NYLIAC declares. Interest and principal are guaranteed by NYLIAC. You may transfer moneybetween the Fixed Account and the Investment Divisions. However, please note that these transfers may be subject tocertain limitations. Please see “THE FIXED ACCOUNT” section of your prospectus for more details.

Death Benefit:

If you die prior to the Annuity Commencement Date we will pay a death benefit to the designated beneficiary.Generally, the death benefit is the greater of 1) the Accumulation Value less any applicable policy charges or 2) the sumof all premiums paid less any withdrawals and applicable policy or rider charges. Please see the “DISTRIBUTIONSUNDER THE POLICY—Death Before Annuity Commencement” section of your prospectus for more details.

Page 4: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

Premium Credit:If the New York Life variable annuity you select includes a premium credit, we will apply a credit to your Accumulation

Value at the time of each premium payment. The credit is calculated as a percentage of each premium payment and willnever be less than 2.00%. Fees are generally higher for annuities with a premium credit and may offset the value of thecredit over the period of time you own your annuity. Please see “THE POLICIES—Credit” section of your prospectus formore details.

Living Needs Benefit Rider:If the Annuitant enters a nursing home, or becomes terminally ill or disabled, you can withdraw all or a portion of the

annuities Accumulation Value without paying surrender charge provided that the eligibility requirements for this rider aremet. This rider is automatically included in your policy in jurisdictions where it is available. Withdrawals may be taxabletransactions subject to ordinary income taxes and, if made prior to age 59½, any taxable portion may be subject to a 10%IRS penalty (the penalty tax is increased to 25% in the case of a distribution from a SIMPLE IRA within the first two years ofyour participation in the SIMPLE IRA plan). Policy owners must qualify for disability benefits under Social Security toexercise the Living Needs Benefit Rider due to disability. Please see “THE POLICIES—Riders—Living Needs Benefit Rider”section of your prospectus for more details. There is no additional charge for this rider.

Unemployment Benefit Rider:If you meet the eligibility requirements to exercise this rider, you may increase the amount that can be withdrawn from

the annuities Accumulation Value (up to 50%) without paying surrender charges. This rider is automatically included in yourpolicy in jurisdictions where it’s available (available for all Non-Qualified, IRA, Roth IRA, Inherited IRA and SIMPLE IRApolicies). To exercise the Unemployment Benefit Rider, the policy owner must 1) qualify to receive state unemploymentbenefits and 2) be unemployed for at least 60 consecutive days. In addition, your policy must be in force for at least one yearand have a minimum Accumulation Value of $5,000. Withdrawals may be taxable transactions subject to ordinary incometaxes and, if made prior to age 59½, any taxable portion may be subject to a 10% IRS penalty (the penalty tax is increasedto 25% in the case of a distribution from a SIMPLE IRA within the first two years of your participation in the SIMPLE IRAplan). Please see “THE POLICIES—Riders—Unemployment Benefit Rider” section of your prospectus for more details.There is no additional charge for this rider.

A combination Living Needs Benefit/Unemployment Rider replaced both the Living Needs Benefit Rider andUnemployment Benefit Rider in jurisdictions where approved for policies purchased on and after May 1, 2010. Please see“THE POLICIES-Riders-Living Needs Benefit/Unemployment Rider” section of your prospectus for more details.

Income Benefit (IB) Rider:

The IB Rider, which is automatically included with your NYL Income Plus Variable Annuity policy, allows you theflexibility to fund future guaranteed lifetime income on your own by making Discretionary Income Benefit Purchases.Discretionary Income Benefit Purchases will buy future Income that We call Income Benefit Payments. You can makeDiscretionary Income Benefit Purchases any time after the first policy quarter and twenty (20) Business Days before theIncome Benefit Payment Commencement Date. We will begin making Income Benefit Payments to you starting on theIncome Benefit Payment Commencement Date you have chosen.

Once a portion of your Variable Accumulation Value is used to make Discretionary Income Benefit Purchases that willfund your Income Benefit Payments, it is no longer available to you on a full or partial surrender of your policy, or upon a fullor partial annuitization, unless the Discretionary Income Benefit Purchase is reversed and cancelled during the right toreturn period (see “THE POLICIES— Riders—Income Benefit Rider”).

NYL Income Plus with the IB Rider is a flexible premium deferred variable annuity. Each Premium Payment begins anew surrender charge period for that payment. There are no Investment Division restrictions for policies that include only theIB Rider. Sales of the New York Life Income Plus Variable Annuity have been discontinued.

OPTIONAL BENEFIT RIDERSEnhanced Beneficiary Benefit (EBB)/Enhanced Spousal Continuance (ESC) Riders:

The EBB Rider, which is only available at the time of application, pays your beneficiary an increased death benefit if youdie before the Annuity Commencement Date in certain situations. Please see “THE POLICIES—Riders—

Page 5: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

Enhanced Beneficiary Benefit Rider (optional)” section of your prospectus for more details. There is an additional charge forthis rider. The ESC Rider, allows your spouse to continue the policy, if he/she is the sole primary beneficiary, and receive thebenefit payable under the EBB Rider. Please see “THE POLICIES—Riders—Enhanced Spousal Continuance Rider(optional)” section of your prospectus for more details. The ESC Rider is included along with the EBB Rider at no additionalcharge on certain plan types.

Investment Protection Plan Rider: (In Oregon, the Accumulation Value Protection Plan Rider)This rider is designed to protect you against decreases in your annuity’s Accumulation Value due to negative

investment performance for a certain period of time. Keep in mind that the Investment Protection Plan Rider does not protectthe owner’s investment from the market’s day-to-day fluctuations or against any losses that could be realized prior to thetenth anniversary of its election. Please see “THE POLICIES—Riders—Investment Protection Plan Rider (optional)” sectionof your prospectus for more details. There is an additional charge for this rider.

Investment Protection Plan II Rider:This rider, which was only available at the time of application, is designed to protect you against decreases in your

annuity’s Accumulation Value due to negative investment performance for a certain period of time. Keep in mind that theInvestment Protection Plan Rider II does not protect the owner’s investment from the market’s day-to-day fluctuations oragainst any losses that could be realized prior to the twelfth anniversary of its election. Please see “THEPOLICIES—Riders—Investment Protection Plan Rider II (optional)” section of your prospectus for more details. There is anadditional charge for this rider.

Guaranteed Investment Protection Rider and Guaranteed Investment Protection Rider 2.0 (GIPR & GIPR 2.0):These riders, which were only available at the time of application, are designed to protect you against decreases in your

annuity’s Accumulation Value due to negative investment performance for a certain period of time. Keep in mind that GIPRand GIPR 2.0 do not protect the owner’s investment from the market’s day-to-day fluctuations or against any losses thatcould be realized prior to the end of the applicable GIPR or GIPR 2.0 holding period. Please see “THEPOLICIES—Riders—Guaranteed Investment Protection Rider (optional) or Guaranteed Investment Protection Rider 2.0(optional)” section of your prospectus for more details. There is an additional charge for these riders.

There will be Investment Division restrictions if you elect the GIPR or GIPR 2.0 Rider. These restrictions will limit theamount you can allocate to the Investment Divisions. Please see “THE POLICIES – Riders – Guaranteed InvestmentProtection Rider (optional) or Guaranteed Investment Protection Rider 2.0 (optional)” section of the prospectus for moredetails.

Annual Death Benefit Reset Rider:This rider, which is only available at the time of application and on certain New York Life variable annuities, may

enhance your Policy’s death benefit by paying an amount above the standard death benefit. Please see “THEPOLICIES—Riders—Annual Death Benefit Reset (ADBR) Rider (optional)” section of your prospectus for more details.There is an additional charge for this rider.

Guaranteed Future Income Benefit (GFIB) Rider:

This rider, which was only available at the time of application with the New York Life Income Plus Variable Annuity,provides for a guaranteed amount of lifetime income, in the form of periodic Guaranteed Future Income Benefit Payments(GFIB Payments), to be paid to you beginning on the GFIB Payment Commencement Date you have chosen. Your GFIBPayments are funded during the accumulation phase by deductions from your Accumulation Value called Automatic IncomeBenefit Purchases. Once a portion of your Accumulation Value is used to fund your GFIB Payments, it is no longeravailable to you on a full or partial surrender of your policy. In addition, your GFIB Payments will be reduced by any partialwithdrawals or full/partial annuitizations processed before the guaranteed amount of lifetime income is fully funded.

There will be Investment Division restrictions if you elect the GFIB Rider. These restrictions will limit the amount youcan allocate to the Investment Divisions. Please see “THE POLICIES – Riders – Guaranteed Future Income Benefit (GFIB)Rider” section of the New York Life Income Plus Variable Annuity prospectus for more details. In addition, the policybecomes a single premium policy if the GFIB Rider is elected. There is an additional charge for this rider.

How do I get income (payments) from my New York Life variable annuity?

On the Annuity Commencement Date, the Accumulation Value can be applied to provide a periodic Income Payment.You can choose to get periodic payments or you can choose a lump sum payment. We will make level periodic IncomePayments under the Life Income Payment Option for a specified amount over the life of the Annuitant with a guarantee of 10years of payment, or under such other option that you choose and that we offer on your Annuity Commencement Date.Please see the “DISTRIBUTIONS UNDER THE POLICY—Income Payments—Election of Income Payment Options”

Page 6: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

section of your prospectus for more details. The Annuity Commencement Date may be deferred to a later date. Please seethe “DISTRIBUTIONS UNDER THE POLICY—Annuity Commencement Date” section of your prospectus for more details.RISKS

What are the risks?The New York Life variable annuity you are considering has some risks, which may include the following:

Ü The Investment Divisions you choose may lose value. If so, the Accumulation Value of your annuity will decrease;

Ü There is a liquidity risk because you may incur surrender charge expenses on full or partial withdrawals made duringthe surrender charge period;

Ü There may be a penalty tax if you withdraw money from the annuity prior to age 59½; and

Ü Depending on the variable annuity selected, you may be limited in the amount you may transfer from the FixedAccount to the Investment Divisions.

FEES, EXPENSES AND OTHER CHARGESWhat happens if I withdraw some or all of the money from my New York Life variable annuity?

If you withdraw money before the end of the surrender charge period specified in the annuity, you may pay a surrendercharge. The surrender charge period, if applicable, may range from three years to as long as ten years depending on theannuity. The maximum surrender charge will be either 7% or 8% of the amount withdrawn based on the annuity. Thepercentage of the surrender charge varies and generally decreases during the surrender charge period. Withdrawals andsurrenders may be taxable transactions subject to ordinary income taxes, and if made prior to age 59½, may be subject to a10% IRS penalty (the penalty tax is increased to 25% in the case of a distribution from a SIMPLE IRA within the first twoyears of your participation in the SIMPLE IRA plan).

You may not have to pay a surrender charge if you take out part of your money that does not exceed a specifiedamount. Generally, the specified amount that you can withdraw without any surrender charge expense is up to 10% of yourpolicy’s Accumulation Value, or the gain in value of the policy if greater. Also note that certain riders may allow you to makewithdrawals without incurring surrender charges. New York Life also offers a variable annuity that does not assess asurrender charge. Please refer to the “CHARGES AND DEDUCTIONS—Surrender Charges” section of your prospectus formore details.

What fees or charges do you take from my New York Life variable annuity Accumulation Value?You will pay fees every year you own your annuity. The Mortality and Expense Risk and Administrative Costs Charge

(M&E Charge) may be assessed based on either the Accumulation Value of your annuity or the cumulative premiumpayments you make.

If the M&E Charge for your annuity is based on the cumulative premium payments you make, the dollar amount of thecharge will be unaffected by fluctuations in market performance. In a rising market, this M&E Charge structure, whenmeasured as a percentage of separate account assets, will be reduced. In a declining market, this structure will result in anincrease in the charge when measured as a percentage of separate account assets. M&E Charges based on your annuity’sAccumulation Value will result in a decrease in the charge when measured as a percentage of separate account assets in aflat or declining market. In a rising market, M&E Charges based on your annuity’s Accumulation Value will increase whenmeasured as a percentage of separate account assets.

The M&E Charge varies from 1.3�% to 1.90% based on the annuity and is charged only on values in the InvestmentDivisions. There will be an annual policy service charge of between $0 and $50 for policies that have an Accumulation Valuebelow a certain threshold. Please see the “TABLE OF FEES AND EXPENSES—Periodic Charges Other Than FundCompany Charges” of your prospectus for more details.

Do I pay any other fees or charges?You may pay a fee for some of the optional riders you select. Also the value in your annuity will reflect the total fees and

expenses of the Fund(s) in which you invested. These expenses may vary from year to year and are indirectly reflected inthe value of assets in the Investment Divisions. In addition, you may pay a transfer fee for transfers of your annuity’sAccumulation Value between the Investment Divisions if you exceed 12 transfers in a Policy Year. Please see the “TABLEOF FEES AND EXPENSES—Periodic Charges Other Than Fund Company Charges” of your prospectus for more details.

Page 7: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

TAXES

How will income payments and withdrawals from my New York Life variable annuity be taxed?Variable annuities are tax-deferred, which means you will not pay taxes on the annuity’s Accumulation Value until the

money is withdrawn. When you take income payments or make a withdrawal, you pay ordinary income taxes on theaccumulated earnings. You also defer paying taxes on earnings if you move money from one investment option to anotherwithin your annuity. You may also pay a 10% federal income penalty tax on earnings you withdraw before age 59½. Pleasesee the “FEDERAL TAX MATTERS” section of your prospectus for more details.

You can exchange one tax-deferred annuity for another without paying taxes on the accumulated earnings when youmake the exchange, provided that you comply with Internal Revenue Service rules for these types of exchanges. Before youdo, compare the benefits, features, and costs of the two annuities.

Does buying an annuity in a retirement plan provide extra tax benefits?Buying an annuity within a tax-deferred retirement plan does not give you any extra tax benefits. However, please note

that the specific New York Life variable annuity you are considering provides other features and benefits. If you are buyingan annuity for use in a retirement plan, choose your annuity based on its other features and benefits as well as its risks andcosts, not its tax benefits. Please see “THE POLICIES—Qualified and Non-Qualified Policies” section of your prospectus formore details.

OTHER INFORMATION

Where does my initial premium payment go before it is applied to my New York Life Variable Annuity?We will place your initial premium payment in a segregated asset account until your New York Life Variable Annuity

policy has been approved for issuance. The segregated asset account ensures that your funds will not be subject to anyliens or claims by our creditors before the funds are applied to your policy. Once your policy has been approved for issuance,your initial premium payment will be removed from the segregated asset account and applied to the investment options thatyou selected.

What else do I need to know?We may change your annuity from time to time to follow federal or state laws and regulations. If we do, we’ll tell you

about the changes in writing.

You may ask your Registered Representative about how he or she is paid. We may compensate the RegisteredRepresentative for selling the annuity to you.

Many states have laws that give you a set number of days to look at an annuity after you buy it. If you decide during thattime that you do not want it, you can return the annuity and, in some states, get a full refund. Other states require a return ofAccumulation Value, which may be less than the premiums paid. Read the variable annuity policy and prospectus to learnabout your free-look period.

What should I know about the insurance company?NYLIAC, a wholly owned subsidiary of New York Life and the issuer of our variable annuities, guarantees the insurance

features of our variable annuities, including death benefit payments, principal, and interest of amounts in the fixed account.All guarantees are based on the claims paying ability of NYLIAC. Both New York Life and NYLIAC have received among thehighest ratings currently awarded to any life insurer by all four major independent rating agencies*. Ratings apply only tothe fixed account which is backed by the assets in the general account of NYLIAC and not to the performance of the variableinvestment options which will fluctuate with market conditions.

* Source: Individual Third Party Ratings Reports (as of  /��/1 )

This material is authorized for use by the general public only if preceded or accompanied by effective product and fundprospectuses. Investors are asked to consider the investment objectives, risks, charges and expenses of the investmentcarefully before investing. Both the product and the underlying fund prospectuses contain this and other information aboutthe product and underlying investment options. Please read the prospectuses carefully before investing.

Issued by New York Life Insurance and Annuity Corporation (NYLIAC) (A Delaware Corporation), Distributed by NYLIFE Distributors LLC, MemberFINRA/SIPC, Securities offered through properly licensed Registered Representatives of NYLIFE Securities LLC (Member FINRA/ SIPC). New York LifeInsurance and Annuity Corporation, NYLIFE Distributors LLC and NYLIFE Securities LLC are wholly owned subsidiaries of New York Life InsuranceCompany.

Page 8: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

New York Life Insurance CompanyNew York Life Insurance and Annuity Corporation (a Delaware Corporation)51 Madison Avenue, New York, NY 10010www.newyorklife.com EOE M/F/D/V22801 (05/��) SMRU 500510 (Exp. 04/30/2�)

Page 9: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

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Page 22: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

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Page 23: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

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Page 24: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

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Page 25: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

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SsQQOikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikojR jNojj RsSkOikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoPQ ikojR QskQjikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoQj jOoPQ QsNSkikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioOj jSoQj PsNNRikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jTojN jioOj NsRjQikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoTi jTojN jjsTTN]{UPC.{w ?Z !35yV AjCj !2-U.w 9UYRxiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoOO iQoQj isjNRikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iToQi ijoOO isRkSikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoTP iToQi isOkOikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoOS ikoTP TsjNTikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijojN jNoOS TsRRNikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoNQ ijojN TsOTPikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoPi jNoNQ SskOSikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToNi jRoPi SsiQjikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoSj jToNi SsSOkikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioSk jSoSj SsSPO]{UPC.{w ?Z �UxYRU.w aP/.U.-.U5P{R %]gA.URU.UY/iCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoRQ jPoQR QsPQNikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoQO jSoRQ OskkRikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jTokj jSoQO NsTQTikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoOP jTokj jksSPiikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSokN jjoOP jjsQRTikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioPj jSokN jisQOPikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoPS jioPj jisNQTikji1�yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkoPS jTsjRj

jP

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-PU./]{UPC.{w ?Z �R5{.UPW D{.YiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioQQ jToSS isQRQikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioNk jioQQ TskNiikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioQR jioNk TsTQNikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoOP jioQR SsjkQikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jiokk jjoOP SsPkOikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jiojR jiokk SsSNSikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoOR jiojR SsPNiikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoTj jjoOR SsQSSikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoiP jjoTj SsRikikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoRN jjoiP SsPNk]{UPC.{w ?Z c05+.V %RR5y{.U5PiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoSS jOoOR isPRQikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOokS jRoSS TsjkPikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoNN jOokS TsSkTikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoik jSoNN TsPkkikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoNP jSoik TsOOPikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoQj jSoNP TsNQjikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoSk jSoQj TsPROikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokP jjoSk TsQPOikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoRT jkokP TsQNiikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoTk jkoRT TsPNN]{UPC.{w ?Z aPy5QY $-URxY0iaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TioOS TOoiS jsiPRikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TRojS TioOS jsSjOikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TjoQQ TRojS jsRNiikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iNoTO TjoQQ jsPQkikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TkoOP iNoTO jsNROikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iOoNQ TkoOP isikOikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iSoOj iOoNQ isSTRikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoOO iSoOj isQNNikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoTj ijoOO TskSSikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoOi ijoTj TsSNj]{UPC.{w ?Z aPy5QY $-URxY0iCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoSS ijoSP OOTikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoNO jOoSS NjPikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOojj jNoNO jskjSikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPokj jOojj jsjkPikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOojT jPokj jskOTikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoiS jOojT jskNPikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoNP jPoiS NQjikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToTj jSoNP ONPikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToij jToTj OSQikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoPk jToij PRS]{UPC.{w ?Z aPxY*Yx $5PxiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoOk jkoSS jPOikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokS NoOk jROikjP1\yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkokS ik]{UPC.{w ?Z aE bYxWY ]-R.UlC.0{.YWwiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo PoQP OojN OPPikjO1Yyoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo OoTO PoQP NQjikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo OoRS OoTO jskRSikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo OoQP OoRS jskRjikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoRQ OoQP jsjTNikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjokS NoRQ jsTkSikjT1~yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jjokS jskRj]{UPC.{w ?Z `{P-/ bYPxY0/5P ${R{PyYxiaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoQO jNokj PsTTPikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoOS jRoQO OsiNN

jO

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-PU./ikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToRP jRoOS NsSNQikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jTojS jToRP jksQPSikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToiT jTojS jisjRSikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioTR jToiT jTsQPSikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoSi jioTR jRsRTSikji1�yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkoSi jPsPTj]{UPC.{w ?Z `{P-/ bYPxY0/5P ${R{PyYxiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoSj jOoQS isOiPikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoQj jRoSj TskjiikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToSk jRoQj TsiSkikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToki jToSk TsSNQikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jTojS jToki TsPkkikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioiN jTojS TsOjjikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoSk jioiN TsOjQikji1�yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkoSk TsOkk]{UPC.{w ?Z ]{y_{w #5QQ5P C.5ySiaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo SNoRS QjoQR jsjSSikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo RToTQ SNoRS jsiORikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo SSokR RToTQ jsSRiikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo SkoNS SSokR jsQQkikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo SjojQ SkoNS jsOPTikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TQoSR SjojQ isjjkikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iPoiS TQoSR isTQRikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iToQP iPoiS isQOTikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iToQT iToQP TsjNkikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoiO iToQT TsPSQ]{UPC.{w ?Z ]{y_{w #5QQ5P C.5ySiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iSoON TkoPi RRQikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iQoNN iSoON QjjikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iioSQ iQoNN QQRikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoTi iioSQ PikikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoOR ijoTi PTkikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoQR ijoOR PkPikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoOQ jNoQR QOiikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jTokk jSoOQ QQSikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToki jTokk QNNikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoPR jToki PSQ]{UPC.{w ?Z ]{y_{w #5P,Y0.UzRYiaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TPoRN SRoTN jsjiNikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TNokj TPoRN jsiTPikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TRoTi TNokj jsTORikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TjoNQ TRoTi jsRTPikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TioOS TjoNQ jsPSSikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TkoOS TioOS jsNijikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iSoNR TkoOS isjRNikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iTojN iSoNR isSSjikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iSoQN iTojN isOOSikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoiS iSoQN TsiNN]{UPC.{w ?Z ]{y_{w #5P,Y0.UzRYiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoPQ iRoOR jsRiRikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iioOP ijoPQ jsQOSikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoOi iioOP jsPPkikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoNP ikoOi jsORiikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoQS jOoNP iskTTikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoPN jNoQS isjNkikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoSN jOoPN isikiikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoPT jRoSN isiiSikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoOP jSoPT isjQSikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToQN jRoOP iskiQ

jN

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-PU./]{UPC.{w ?Z ]{y_{w c5,Y0PQYP.iaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoPN ikoRO OTiikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikokN jNoPN NkNikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoNR ikokN jskiRikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikokj jNoNR jsjNkikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikojN ikokj jsiPOikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoRP ikojN jsRjRikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoTR jNoRP jsPSOikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoOR ikoTR isjOSikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoNN jNoOR isQRkikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoiO jOoNN TsjPN]{UPC.{w ?Z ]{y_{w c5,Y0PQYP.iCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoNR jioii jsiRPikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jiojO jjoNR jsiTPikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jiokN jiojO jsSjiikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioiP jiokN jsPQjikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioSQ jioiP jsROkikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jiojP jioSQ jsPjOikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioQP jiojP jsPQjikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioSS jioQP iskPTikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoNO jioSS isikTikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoRQ jjoNO isjji]{UPC.{w ?Z ]{y_{w c05+.ViaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TjoOj SkoPO jsNiQikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TToQN TjoOj isjPkikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iQojN TToQN isSjkikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iQoSQ iQojN isPTjikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iQojR iQoSQ TskQTikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iSoTP iQojR TsSQOikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoOi iSoTP TsNTRikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoSN jNoOi SsSNTikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoNO jPoSN RsjPTikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoiR jPoNO RsNiR]{UPC.{w ?Z ]{y_{w c05+.ViCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoPS iQoSO TRjikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iioki ikoPS SiNikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoik iioki SNTikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoST jPoik RSNikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoTT jPoST QkRikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoij jPoTT QQNikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToiS jQoij PiNikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoPT jToiS PNkikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jiojj jjoPT OiSikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoNP jiojj OiS]{UPC.{w ?Z ]{y_{w bUWV 9UYRx #50350{.Y $5PxiaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo SioTP SPoTj isQNOikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo SToQj SioTP TskQRikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo SjoTO SToQj TsROiikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TQojj SjoTO SsijOikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TPoik TQojj SsQRjikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TPokQ TPoik RsTNRikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TRoiR TPokQ QsiPNikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TjoRi TRoiR PsiSPikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TkokO TjoRi Oskijikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iPokP TkokO NsSQj]{UPC.{w ?Z ]{y_{w bUWV 9UYRx #50350{.Y $5PxiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikokN iioii RsiSPikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijokS ikokN RsNTTikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoiR ijokS QsRSi

ik

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-PU./ikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoOP ikoiR QsOROikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoPT jPoOP PsSQNikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNokN jOoPT PsNNjikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoQT jNokN Osjikikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoji jOoQT PsOjiikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoRj jPoji PskSNikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoNk jQoRj QsPRR]{UPC.{w ?Z ]{y_{w aP.Y0P{.U5P{R !2-U.wiaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iPoSk TToPT SRkikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TjoSi iPoSk RjQikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iSokT TjoSi ROkikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iRoQS iSokT QRTikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iSoSN iRoQS PPSikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iRoRk iSoSN ORiikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iioSQ iRoRk jskkNikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNokP iioSQ jsjOOikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iTokT jNokP jsSSOikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iioiQ iTokT jsQOk]{UPC.{w ?Z ]{y_{w aP.Y0P{.U5P{R !2-U.wiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoRS iioRP jsjQOikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoSP jOoRS jsTSiikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoRN ijoSP jsRjOikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoOO jQoRN jsQiTikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoiS jPoOO jsOSPikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOojO jPoiS iskTjikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoiQ jOojO iskOPikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToNS jQoiQ iskNTikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPokk jToNS isjPQikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoSP jPokk iskPj]{UPC.{w ?Z ]{y_{w ]Ux #{3 #50YiaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TkoiQ TQoQP OQkikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TSoOP TkoiQ NPRikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iNoQO TSoOP jsjTRikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iPokP iNoQO jsTjRikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iOoRk iPokP jsRSQikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iRoiP iOoRk jsPTSikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoki iRoiP jsNQOikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoRR jOoki isjQPikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoiQ jRoRR isROTikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToTT jQoiQ TskSS]{UPC.{w ?Z ]{y_{w ]Ux #{3 #50YiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iOoON TSoji jsTQTikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TToPj iOoON jsRjSikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iNoik TToPj jsQNQikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iQoNN iNoik jsNkOikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iNokk iQoNN iskOPikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iQoTk iNokk isiROikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNojk iQoTk isTPRikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoQN jNojk isTNkikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoRP jQoQN isRiPikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoSR jPoRP isQjj]{UPC.{w ?Z ]{y_{w C6Z Mff aPxY*iaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo SNoPO QSoSi isSNRikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo RioOP SNoPO isPQTikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo SSojT RioOP TsjjjikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo SkokN SSojT TsSRRikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo Skoij SkokN TsOQOikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TRoNO Skoij SsSiTikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iPoQS TRoNO SsNRN

ij

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-PU./ikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iSoiT iPoQS RsQSTikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iSojT iSoiT QsSiTikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoTT iSojT PsSQj]{UPC.{w ?Z ]{y_{w C6Z Mff aPxY*iCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iSoRQ TjoRj isRkTikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iQoiP iSoRQ isPjSikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iiojQ iQoiP isOPPikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoTj iiojQ TskjjikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoQO ikoTj TsjjkikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoPi ikoQO TsiSjikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoRi jOoPi TsiOjikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioOQ jSoRi TsTPTikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioOP jioOQ TsTjQikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoSk jioOP TsTRP]{UPC.{w ?Z ]{y_{w CQ{RR #{3 #50YiaPU.U{R #R{//ikjN1Xyooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkojR jsROQ]{UPC.{w ?Z ]{y_{w CQ{RR #{3 #50YiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjokT jioPO isQkTikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToij jjokT jsSjiikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoPN jToij jsRSSikjQ1]yoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jjoPN jsPTP]{UPC.{w ?Z ]{y_{w APy5P/.0{UPYx $5PxiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoSj jioki jsQRSikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoPR jjoSj jsORSikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoTN jjoPR iskOTikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoPP jjoTN iskOjikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoiT jkoPP isiPRikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoik jjoiT isjkiikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoNT jjoik jsQSjikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoPQ jkoNT jsjkkikjj1�yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk NoPQ TkS]{UPC.{w ?Z ]YRR5P \{.-0{R DY/5-0yY/iaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo RokQ RoOi QskkNikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo PojN RokQ QsQikikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo PoTS PojN PsSiiikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo Roik PoTS OsijQikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo PoOQ Roik NskQSikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoOi PoOQ NsijiikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo OoNP NoOi NsQONikji1�yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk OoNP jjskNk]{UPC.{w ?Z ]5xY0{.Y %RR5y{.U5PiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoSi jPoON RsQiiikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPojR jRoSi QsSjQikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoij jPojR QsNQOikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoRP jRoij PsSTRikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRojj jSoRP OsjRNikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoPQ jRojj OsSQOikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioQO jSoPQ OsTSRikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoSN jioQO PsNORikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoQk jjoSN PsNQRikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoSi jjoQk PsNTP]{UPC.{w ?Z ]5xY0{.Y c05+.V %RR5y{.U5PiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoPQ jOoPQ RsNQOikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOokk jRoPQ QsNQkikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoSN jOokk PsQTPikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoQP jRoSN OsiSPikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoTR jSoQP OsOTTikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRokj jRoTR OsOSOikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jiojO jRokj OsQjO

ii

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-PU./ikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoOR jiojO OsSRNikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoik jkoOR OsRTiikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoNQ jjoik OsSNS]{UPC.{w ?Z Za]#[ DY{R DY.-0PiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NojT NoPO jsTOiikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoRT NojT jsSOSikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoTQ NoRT jsQOPikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NokS NoTQ jsPNNikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoSj NokS iskkOikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoTT NoSj isSkQikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoST NoTT isORSikji1�yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkoST TsOPj]{UPC.{w ?Z CQ{RR #{3 c05+.ViaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoOQ jOoSj jsRNkikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoRS jSoOQ jsOkOikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToQQ jQoRS iskPTikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioRN jToQQ isTORikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioON jioRN isPQjikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioPR jioON TsikPikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoOP jioPR TsQRjikji1�yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk NoOP SsjNS]{UPC.{w ?Z CQ{RR #{3 c05+.ViCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoRk jPoNk RNkikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQojO jSoRk QRjikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToSk jQojO QTNikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioSk jToSk QNiikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioPP jioSk OjPikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioQO jioPP PNOikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoOR jioQO OiOikji1�yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk NoOR ORO]{UPC.{w ?Z Bj D5+Y Z0UyY !2-U.w aPy5QYiaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQokR ikokk jsQQOikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoNQ jQokR jsNSSikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoQO jPoNQ isiQRikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToTO jRoQO isQTjikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoRR jToTO isNTOikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToPk jSoRR TsTjQikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoQQ jToPk TsONOikji1�yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkoQQ SsTji]{UPC.{w ?Z Bj D5+Y Z0UyY !2-U.w aPy5QYiCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoPO jNoQj jsSiiikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoPk jRoPO jsPkiikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoSN jPoPk iskkkikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToiR jRoSN isiRTikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoSR jToiR isSRiikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToQS jSoSR isPQkikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoQT jToQS isNOQikji1�yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkoQT TsjTR]{UPC.{w ?Z AjCj c5,Y0PQYP. ]5PYw ]{0SY.iaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jojO jojO iRsRkjikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jojN jojO TjsjOPikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo joik jojN TisiRkikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo joiT joik TNsNjjikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo joiS joiT SksORPikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo joiQ joiS SjskiSikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo joiO joiQ SPsjOjikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo joTj joiO RRsRSTikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo joTT joTj PSsiiTikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo joTR joTT QTsQQj

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jsSOjikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoTS iiokk jsPjNikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoQR jQoTS jsNQRikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoNk jSoQR isjQRikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jTokj jSoNk isRiQ]{UPC.{w ?Z =UP/R5+ ^{0WY #{3 c05+.ViCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iRoQk TToTj jsjiOikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iRoiN iRoQk jsiRTikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoRS iRoiN jsTTPikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoRN jNoRS jsTNTikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoOO ikoRN jsSPQikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoSO jNoOO jsSOjikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToNi jOoSO jsRQOikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioQQ jToNi jsRPQikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jTokP jioQQ jsSjRikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoSS jTokP jsjPk%QY0Uy{P �-Px/ aC %//Y. %RR5y{.U5P �-Pxi#R{// NikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoSN jjoTi RRiikjO1Zyoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk NoSN iOi%QY0Uy{P �-Px/ aC $R-Y #VU3 aPy5QY {Px c05+.V �-Pxi#R{// NikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoRi jjoTQ TjTikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoRN NoRi ijQikjP1[yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkoRN T%QY0Uy{P �-Px/ aC cR5z{R CQ{RR #{3U.{RUv{.U5P �-Pxi#R{// NikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokP jTokT OiikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoSR jkokP NjikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoiS jjoSR NQikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo Noik NoiS STikjR1^yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk Noik TT%QY0Uy{P �-Px/ aC c05+.V �-Pxi#R{// NikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoki jioON jSNikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoij jkoki jSjikjP1[yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkoij jP%QY0Uy{P �-Px/ aC \Y+ =50Rx �-Pxgi#R{// NikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoPS jioTP SkNikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoRi NoPS SjRikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NokR jjoRi STkikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo OoPT NokR iNSikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NojP OoPT iRkikjS1}yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk NojP OP$R{ySD5ySgcR5z{R %RR5y{.U5P ?jaj �-Pxi#R{// aaaikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoii jTokT jsiQQikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioTj jjoii jsSjTikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoNO jioTj jsQkjikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoPT jkoNO jsQOiikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoNN jkoPT jsOTRikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoNT jkoNN jsNSjikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoQN jkoNT jsNiRikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo OoNS NoQN jsSOS

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-PU./ikjj1�yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk OoNS QjS$R{ySD5ySgbUWV 9UYRx ?jaj �-Pxi#R{// aaaikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoSN jjoOO SkjikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoNQ jkoSN TSRikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoTP jkoNQ TTQikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoTi jkoTP iOQikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoOT NoTi iPiikjS1}yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk NoOT jjR$\9 ]YRR5P aZ BYyVP5R5Ww c05+.V Z50.X5RU5iaPU.U{R CV{0Y/ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iRoTT TjoSi SjkikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iRoNS iRoTT STOikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoSS iRoNS SSSikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoOQ jOoSS SiiikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPokQ jPoOQ SNkikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQojN jPokQ RkTikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioTP jQojN ROSikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoOR jioTP PRPikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoNT jkoOR QPQikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoTj jjoNT ONQ$\9 ]YRR5P aZ BYyVP5R5Ww c05+.V Z50.X5RU5iCY0,UyY CV{0Y/ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iNoTN TRoON QRNikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TkoQO iNoTN PiSikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoNP TkoQO PSiikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoRP ijoNP QNOikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoNQ ijoRP PTjikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoiO ikoNQ PSNikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoOj ikoiO PNjikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSojR jRoOj OPjikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoPQ jSojR PNkikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioTT jRoPQ PTT#RY{0$0UxWY ?{0U{zRY %330YyU{.U5P Z50.X5RU5i#R{// aaikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoPk jToQP PiikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjokP jkoPk TRikjP1\yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jjokP jj#5R-QzU{ ?{0U{zRY Z50.X5RU5i#5QQ5xU.w C.0{.YWw �-Pxi#R{// dikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo PokN PoRS iQikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo OoTO PokN iOikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo OoTQ OoTO TSikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo PoRS OoTQ SOikjR1^yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk PoRS P#5R-QzU{ ?{0U{zRY Z50.X5RU5i!QY0WUPW ]{0SY./ $5Px �-Pxi#R{// dikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoTP jjoSQ iijikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoTQ jkoTP jQkikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoTj jjoTQ jSTikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoSj jkoTj PiikjR1^yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk NoSj T#5R-QzU{ ?{0U{zRY Z50.X5RU5iCQ{RR #{3 ?{R-Y �-Pxi#R{// dikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoij iioQN SNQikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iToNS jNoij RPRikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoSN iToNS QRSikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoST ijoSN PNSikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoOT jQoST OjQikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoPS jPoOT NkSikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToQk jPoPS NSPikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioRS jToQk NSSikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToRN jioRS jskjQikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoON jToRN jsjki"YR{+{0Y ?aZgCQ{RR #{3 ?{R-Y CY0UY/iCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo OoRj jkoPi OO

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-PU./ikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoTN OoRj RNikjP1[yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkoTN i"=C %R.Y0P{.U,Y %//Y. %RR5y{.U5P ?aZi#R{// $ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoSP jkoQO iPjikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoRN NoSP jSNikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokS jkoRN PiikjQ1]yoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkokS TO�UxYRU.wg?aZ #5P.0{X-PxC] Z50.X5RU5iaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo RkojP QRokN jsQONikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo RSoTS RkojP jsNTkikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo SRoii RSoTS isjPSikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo SioSR SRoii isSPNikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo SioPQ SioSR isOPOikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TOoPS SioPQ TsiiRikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iNoNi TOoPS TsQOOikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iQokP iNoNi SsiTiikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iPoji iQokP SsNPRikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iToSQ iPoji RsOST�UxYRU.wg?aZ #5P.0{X-PxC] Z50.X5RU5iCY0,UyY #R{// dikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iQoPj TSojR isTSTikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iNoSP iQoPj isPkNikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iSoNT iNoSP TskkTikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iToOQ iSoNT TsTiSikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iSoQO iToOQ TsRONikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iioNP iSoQO TsPiRikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOojS iioNP TsOjQikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQokN jOojS TsORPikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoON jQokN TsNQkikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoQR jQoON TsNTN�UxYRU.wg?aZ !QY0WUPW ]{0SY./ Z50.X5RU5iCY0,UyY #R{// dikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo OoiS jkoRk OjikjO1Zyoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk OoiS iN�UxYRU.wg?aZ !2-U.wlaPy5QY Z50.X5RU5C]iaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TjoiS TNoiQ jskSQikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TSoRR TjoiS jsjPTikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TjokT TSoRR jsTijikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iQoQQ TjokT jsRjQikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iOojQ iQoQQ jsPiTikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iQoiQ iOojQ jsNQOikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoPO iQoiQ isiOTikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoNP ikoPO isRSSikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOokS jPoNP isNRPikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoON jOokS TsRkS�UxYRU.wg?aZ !2-U.wlaPy5QY Z50.X5RU5C]iCY0,UyY #R{// dikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoNQ iQojT jsjkiikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iToTk ikoNQ jsiiNikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijokR iToTk jsTPSikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOojN ijokR jsSNRikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoTP jOojN jsQjTikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOojN jNoTP jsPOOikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoRi jOojN jsNiOikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioQi jSoRi iskiSikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioPi jioQi isjiSikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoiT jioPi isjON�UxYRU.wg?aZ �-Px/]{P{WY0gLf7 Z50.X5RU5iCY0,UyY #R{//ikjN1Wyoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkoPP O�UxYRU.wg?aZ c05+.V [3350.-PU.UY/ Z50.X5RU5iCY0,UyY #R{// dikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoNj iToSi QRPikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRoiO jQoNj RSN

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-PU./ikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoRR jRoiO TNSikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoPk jjoRR iSOikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoiP jjoPk iOPikjS1}yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jjoiP jP�UxYRU.wg?aZ bY{R.V #{0Y Z50.X5RU5iCY0,UyY #R{// dikjN1Wyoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jiojR RP�UxYRU.wg?aZ aP.Y0P{.U5P{R aPxY* Z50.X5RU5iCY0,UyY #R{// dikjN1Wyoooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkoQP iT�UxYRU.wg?aZ ]Ux #{3 Z50.X5RU5iCY0,UyY #R{// dikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iPoQQ TTokS jsRjSikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo TToTP iPoQQ jsPjSikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iOoSi TToTP jsNjTikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iQokR iOoSi isjiQikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iPoiO iQokR isTRTikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iQoPi iPoiO isQikikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoTS iQoPi isPQkikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoTP ikoTS isNkTikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijojS jOoTP TskNRikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoQO ijojS TsjONaP,Y/y5 ?jaj %QY0Uy{P ?{R-Y �-PxiCY0UY/ aa CV{0Y/ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jiokj jSoPP ikiikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToNO jiokj iiNikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioNi jToNO iQkikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoTP jioNi iNQikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioPT jjoTP TjTikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoPN jioPT iiSikjT1~yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jjoPN OjaP,Y/y5 ?jaj aP.Y0P{.U5P{R c05+.V �-PxiCY0UY/ aa CV{0Y/ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo Noij jjoQS TiOikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjokj Noij SiiikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo Nojk jjokj SPRikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoiN Nojk STQikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoQO NoiN TRPikjS1}yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk NoQO jkj`{P-/ bYPxY0/5P !P.Y030U/Y Z50.X5RU5iCY0,UyY CV{0Y/ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoNN jToTj iiNikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoik NoNN jSSikjP1[yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jkoik jk`{P-/ bYPxY0/5P cR5z{R DY/Y{0yV Z50.X5RU5iCY0,UyY CV{0Y/ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoki iioQP RiQikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoOi jOoki RQRikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQokj jNoOi QkOikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoki jQokj QSRikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoOT jQoki PkNikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQokR jQoOT PkOikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioOQ jQokR PSSikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjokk jioOQ PSSikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jTokT jjokk QNNikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoSS jTokT QNT`{P-/ bYPxY0/5P cR5z{R DY/Y{0yV Z50.X5RU5iaP/.U.-.U5P{R CV{0Y/ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iRoSN TioST jsSOPikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iPoPR iRoSN jsQPkikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iiojQ iPoPR jsOONikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iiokj iiojQ isjTkikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iioOR iiokj isSiiikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoRQ iioOR isQPTikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPokT ijoRQ TskSSikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoTO jPokT TsSTQikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoNk jSoTO TsNOO

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-PU./ikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoOk jQoNk SsRRQ]�Cg aP.Y0P{.U5P{R aP.0UP/Uy ?{R-Y Z50.X5RU5iCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkojk jioRj jOjikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoTR jkojk jTNikjP1\yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk jjoTR SO]�Cg aP,Y/.50/ B0-/. CY0UY/iCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iioNQ iNoSj jNTikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iSoOS iioNQ jNSikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoRO iSoOS ikjikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoPj ikoRO jPOikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoQR jNoPj jQRikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoTO ikoQR jSOikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jRojk jNoTO jSPikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToki jRojk jTNikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToQk jToki jTTikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioSS jToQk jTT]�Cg aP,Y/.50/ B0-/. CY0UY/iaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoki iPoiP iRjikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iioRQ ijoki iQkikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jOoRS iioRQ iNiikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoTi jOoRS TiRikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoRi jPoTi TRTikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQokj jPoRi SjiikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioiN jQokj SORikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoSQ jioiN RRNikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoOS jkoSQ QkOikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo NoNk jkoOS PTR]�CgDY/Y{0yV CY0UY/iaPU.U{R #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iToOj Tjoij iPRikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iRoiR iToOj TjRikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoPR iRoiR TSRikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoTR ikoPR TOkikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jNoSP jNoTR STTikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jPoNi jNoSP SOOikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jToPS jPoNi RSkikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoOO jToPS Qjiikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jiojk jjoOO PiRikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkoRN jiojk ORR]�CgDY/Y{0yV CY0UY/iCY0,UyY #R{//ikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iRoQR TTokR jSQikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iPoSP iRoQR jSTikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iioQT iPoSP jSRikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoPk iioQT jSRikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ijoNS ijoPk jSSikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo ikoOS ijoNS jQiikjTooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jQoST ikoOS jQQikjiooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoRi jQoST jSNikjj ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jSoOS jSoRi jSQikjkooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jTokj jSoOS jRk]50W{P C.{PRYw ?a� AjCj DY{R !/.{.Y Z50.X5RU5i#R{// aaikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjojT jToki TQQikjOooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jioiQ jjojT SkNikjPooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jiokN jioiQ RSNikjQooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoRj jiokN PjjikjRooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jjoSR jjoRj PONikjSooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo OoNP jjoSR OkPikjT1~yooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo jkokk OoNP jTP\Y-zY0WY0 $Y0Q{P %]B ]Ux #{3 c05+.V Z50.X5RU5i#R{// CikjNooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo iQoiS TToNN Rij

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Page 37: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

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Page 55: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

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IRA-1

New York Life Insurance and Annuity CorporationIndividual Retirement Annuity

DISCLOSURE STATEMENT

The following information is being provided to you, the policyowner, in accordance with the requirementsof the Internal Revenue Service. This Disclosure Statement is not part of the Prospectus. It includes a non-technical explanation of some of the requirements applicable to Individual Retirement Annuities (IRAs). Theinformation provided applies to contributions made and distributions received on and after January 1, 20��. Youshould consult your tax adviser about the specifics of these rules, and remember that the terms of your actualcontract and any endorsements will control your rights and obligations.

1. Revocation of Your IRA

If you have not received this Disclosure Statement at least seven calendar days before theestablishment of your IRA, you have the right to revoke your IRA at any time during the seven calendar dayperiod following its establishment. In order to revoke your IRA, you must notify us in writing and you must mailor deliver your revocation to NYLIAC 51 Madison Avenue, Room 452, New York, NY 10010. If your revocationis mailed properly, the date of the postmark (or the date of certification or registration if sent by certified orregistered mail) will be considered your revocation date. If you revoke your IRA during the seven day period,the entire amount of your account without any adjustments (for items such as administrative expenses, fees, orfluctuation in market value) will be returned to you.

2. Contributions

(a) Regular IRA. You may make periodic contributions to a regular IRA in any amount up to thecombined tax deductible and non-tax deductible contribution limit described in Section 3 of this DisclosureStatement. All such contributions must be in cash. This IRA cannot be issued as a SIMPLE IRA.

(b) Spousal IRA. If you and your spouse file a joint federal income tax return for the taxable year and ifyour spouse's compensation, if any, includable in gross income for the year is less than the compensationincludable in the gross income of the policyowner for the year, you and your spouse may each establish his orher own individual IRA and may make periodic contributions to your IRAs in accordance with the rules and limitsfor tax deductible and non-tax deductible contributions contained in Sections 219(c) and 408(o) of the InternalRevenue Code (Code). Such contributions shall be in cash and shall be invested in accordance with thisDisclosure Statement.

(c) Rollover IRA. A rollover contribution is a nonperiodic deposit in cash with respect to whichcontribution you warrant that (1) the entire amount rolled over is attributable to a distribution from an employeestrust, an employee's annuity, an annuity contract or another individual retirement account or annuity, whichmeets the requirements of Code section 402(c), 402(e)(6), 403(a)(4), 403(b)(8), 403(b)(10), 408(d)(3) or457(e)(16); (2) within one (1) year of receiving such distribution, you did not receive another distribution whichconstituted a rollover referred to in Code section 408(d)(3)(B); and (3) the contribution as made satisfies all therequirements for rollover contributions as set forth under the Code. A rollover contribution attributable tocontributions made by an employer to an individual's SIMPLE IRA cannot be made prior to the expiration of the2-year period beginning on the date the individual first participated in that employer's SIMPLE plan.

Beginning January 1, 2015, you can make only one rollover from an IRA to another (or the same) IRA inany 12-month period, regardless of the number of IRAs you own (see IRS Announcement 2014-32). You can,however, continue to make an unlimited number of trustee-to-trustee transfers between IRAs. You can alsomake an unlimited number of rollovers from traditional IRAs to Roth IRAs ("conversions").

Strict limitations apply to rollovers, and you should seek competent tax advice in order to comply with allthe rules governing rollovers.

(d) Transfers. You may make an initial or subsequent contribution hereunder by directing a Custodianor Trustee of an existing IRA to transfer an amount in cash to the IRA.

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IRA-2

(e) Time to Make Contributions. You may make regular IRA contributions at any time for a taxable yearbeginning on the first day of that year and ending on the date that your income tax return for that year is due(without regard to any extensions).

(f) Responsibility of the Policyowner. If you contemplate making future periodic contributions, rollovers,or transfers to the IRA, such contributions, rollovers or transfers must be made in accordance with theappropriate sections of the Code. It is your full and sole responsibility to determine the tax deductibility of allcontributions, and to make such contributions in accordance with the Code. Neither the Custodian nor NewYork Life Insurance and Annuity Corporation are permitted to provide tax advice, and will assume no liability forthe tax consequences of any contribution to the IRA.

3. Deductibility of Contributions(a) Eligibility. Under the Internal Revenue Code, if neither you nor your spouse is an active participant

(see (b) below), you and your spouse may contribute up to $1�,000 together (but no more than $£,�00 to eachindividual account if your combined compensation is at least equal to that amount and take a deduction for theentire amount contributed. If you are an active participant, but have an adjusted gross income (AGI) below acertain level (see (c) below), you may make a deductible contribution. If you are an active participant and youhave AGl above that level (see (c) below), the amount of the deductible contribution you may make is phaseddown and eventually eliminated. If you are not an active participant, but your spouse is an active participant, youmay make a $£,�00 deductible contribution provided that if your combined AGI is above the specified level, (see(c) below) the amount of the deductible contribution you may make to an IRA is phased down and eventuallyeliminated. Additional annual contributions of up to $1,000 can be made in any year you are age 50 or over($2,000 on a combined basis if both you and your spouse are age 50 or over). Also, you may make additionalcontributions specifically authorized by the Code, such as repayments of qualified reservist distributions,repayments of certain plan distributions made on account of a federally declared disaster, repayments of aIualified birth or adoption distribution, certain amounts received in connection with the Exxon Valdez litigation,and certain airline payments.

(b) Active Participant. You are an "active participant" for a year if you are covered by a retirement plan.You are "covered by a retirement plan" for a year if your employer or union has a retirement plan under whichmoney is added to your benefit or you are eligible to earn retirement credits. For example, if you are coveredunder a pension plan, profit-sharing plan, a 403(b) annuity, certain government plans, a salary reductionarrangement (such as a Tax Sheltered Annuity 403(b) arrangement or a 401(k) plan), a Simplified EmployeePension Plan (SEP), a SIMPLE retirement account or a plan which promises you a retirement benefit which isbased upon the number of years of service you have with the employer, you are likely to be an activeparticipant. Box 13 of your Form W-2 for the year should be checked if you are an active participant.

(c) Adjusted Gross Income. If you or your spouse is an active participant, you must look at your AGI forthe year (if you and your spouse file a joint tax return, you use your combined AGI) to determine whether youcan make a deductible IRA contribution, Your tax return will show you how to calculate your AGI for thispurpose. If you are at or below a certain AGI level, called the threshold level, you are treated as if you were notan active participant and can make a deductible contribution under the same rules as a person who is not anactive participant.

If you are single or a head of household, your threshold AGl level is $6¤,000 (for 20��). The thresholdlevel if you are married and file a joint tax return is $��¥,000 (for 20��), and if you are married, but file a separatetax return, the threshold level is $0. However, if only your spouse is an active participant and you file a joint taxreturn, the threshold level is $1 £,000 phased out at $��£,000,

Active Participant in Retirement Plan

Single Taxpayers

$6¤,000 or less-----------------------------------------Full DeductionMore than $6¤,000 but less than $7¤,000-------Partial Deduction$7¤,000 or more---------------------------------------No Deduction

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IRA-3

Married Taxpayers

$��¥,000 or less------------------------------------------Full DeductionMore than $��¥,000 but less than $1�¥,000----Partial Deduction$1�¥,000 or more--------------------------------------No Deduction

If your AGI is less than $10,000 ($20,000 in the case of a joint return) above your threshold level, youwill still be able to make a deductible contribution, but it will be limited in amount. The amount by which your AGlexceeds your threshold level (AGI-threshold level) is called your Excess AGI. The Maximum AllowableDeduction is $£,�00 (and an additional $£,�00 for a Spousal IRA). You can calculate your Deduction Limit asfollows:

Single Returns (and joint returns where only your spouse is an active participant)

10,000 - Excess AGI X Maximum Allowable Deduction = Deduction Limit10,000

Joint Returns (deduction limit for spouses who are active participant)

20,000 - Excess AGI X Maximum Allowable Deduction = Deduction Limit20,000

You must round up the result to the next highest $10 level (the next highest number which ends in zero).For example, if the result is $1,525, you must round it up to $1,530. If the final result is below $200 but abovezero, your Deduction Limit is $200. Your Deduction Limit cannot, in any event, exceed 100% of yourcompensation.

(d) Restrictions. No deduction is allowed for (a) contributions other than in cash or (b) for any amountyou contribute which was a distribution from another retirement plan (i.e., a rollover contribution). However, thelimitations in paragraphs (a) and (b) of this Section 3 do not apply to rollover contributions.

(e) Compensation. For purposes of determining allowable contributions, the term "compensation"includes all earned income, including net earnings from self employment and alimony or separate maintenancepayments received and includable in your gross income and differential wage payments (Code section3401(h)(2)), but does not include deferred compensation or any amount received as a pension or annuity.

4. Nondeductible Contributions to IRAs

Even if you are above the threshold level and, thus, may not make a deductible contribution of $£,�00(and an additional $£,�00 for a Spousal IRA) plus any additional age 50 contribution (if applicable), you may stillcontribute up to the lesser of that amount or 100% of compensation as a nondeductible contribution to the IRA.You may also choose to make a contribution nondeductible even if you could have deducted part or all of thecontribution. Interest or other earnings on your IRA contribution, whether from deductible or nondeductiblecontributions, will not be taxed until taken out of your IRA and distributed to you.

If you make a nondeductible contribution to an IRA you must report the amount of the nondeductiblecontribution to the IRS as a part of your tax return for the year. (IRS Form 8606)

5. Distributions(a) Required Distributions. Distribution of your IRA must be made or begin no later than April 1 of the

calendar year following the calendar year in which you attain age 7� (for individuals who attain age ¢�k on or afteraanuary �, ����Ê. A distribution may be made at once in a lump sum, or it may be made in installments.Installment payments must be made over your life (or a period not exceeding your life expectancy), or the jointlives of you and your designated beneficiary (or a period not exceeding the joint life expectancies of you and thebeneficiary you designate). Generally, life expectancy is determined under the IRS gniform Lifetime hable, or, ifyour spouse is your sole designated beneficiary and is more than 10 years younger than you, the $oint life andthe last survivor expectancy of you and your spouse.

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IRA-4

With respect to owners who die after ��� , unless an exception applies, the entire interest of your IRAmust be distributed by the end of the ��th year following the year of your death. If your beneficiary is an eligibledesignated beneficiary, distributions to your beneficiary can be made over your beneficiary’s life or over a periodnot exceeding your beneficiary’s life expectancy. An eligible designated beneficiary is an individual who is (aÊ theowner’s spouse, (�Ê no more than �� years younger than the owner, (¦Ê the owner’s minor child (only until thechild reaches majority, at which time the ���year rule appliesÊ, (¥Ê disabled or chronically ill (including certaintrusts for the disabled or chronically illÊ. When an eligible designated beneficiary dies, any remaining interestmust be distributed by the end of the ��th year following the year of the eligible designated beneficiary’s death. Ifyour beneficiary is eligible to take distributions over their life or life expectancy, distributions upon your deathmust begin by December ¦�st of the year following the year of your death, or, if your beneficiary is your spouse,no later than December ¦�st of the year in which you would have attained age ¢�.

If your beneficiary is not an individual (including your estate, a corporation, a charity, or certain trusts thatare neither a “see�through” trust or an “applicable multi�beneficiary trust”Ê and you die after distribution to you hasbegun, the remaining portion of your interest in your IRA must be distributed to your beneficiary at least as rapidlyas your IRA was being distributed prior to your death. If your beneficiary is not an individual and you die beforeyou begin to receive distributions, distribution of the entire interest in your IRA must be made to your beneficiaryby the end of the ¤th year following the year of your death.

(b) Nondeductible IRA Distributions. Because nondeductible IRA contributions are made using incomewhich has already been taxed (that is, they are not deductible contributions), the portion of the IRA distributionsconsisting of nondeductible contributions will not be taxed again when received by you. If you make anynondeductible IRA contributions, each distribution from your IRAs will consist of a nontaxable portion (return ofnondeductible contributions) and a taxable portion (return of deductible contributions, if any, and accountearnings).

Thus, you may not take a distribution which is entirely tax-free. The following formula is used todetermine the nontaxable portion of your distributions for a taxable year:

Remaining nondeductible contributions X Total distributions = Nontaxable distributionsYear-end total IRA balances (for the year) (for the year)

To figure the year-end total IRA balance, you must treat all of your IRAs as a single IRA (other thanRoth IRAs). This includes all regular IRAs, as well as Simplified Employee Pension (SEP) IRAs, SIMPLE IRAs,and Rollover IRAs. You also add back the distributions taken during the year.

Distributions from a traditional IRA are taxable in the year you receive them. Exceptions to the generalrule include rollovers, tax- free withdrawals of contributions, and the return of nondeductible contributions.Distributions from traditional IRA’s that are includable in income are taxed as ordinary income.

Even if you withdrew all of the money in your IRA in a lump sum, you will not be entitled to use any formof income averaging to reduce the federal income tax on your distribution. Also, no portion of your distribution istaxable as a capital gain.

(c) Withholding. Unless you elect not to have withholding apply, a 10% federal income tax will bewithheld from your non periodic IRA distributions. The amount of tax withheld from an annuity or similar periodpayment is based on your marital status and the number of withholding of allowances you claim on yourwithholding certification (W-4P). If you have not filed a certificate, tax will be withheld as if you are a marriedindividual claiming three withholding allowances. If payments are delivered to foreign countries, however, taxwill, generally, be withheld unless you certify to the Custodian that you are not a U.S. citizen residing abroad ora "tax avoidance expatriate" (as defined in Code section 877).

(d) 7Q K��}ªKª�G�K{ûªG{QSI Q� �QSC�KI{QSI Uª�� {S ³Î¶¡ QK uªG�KÔ A conversion of a traditional IRA to aRoth IRA, and a rollover from any other eligible retirement plan to a Roth IRA, made in tax years beginning afterDecember ©1, ª017, cannot be recharacteriCed as having been made to a traditional IRA.

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IRA-5

excess contribution withdrawn will not be considered a premature distribution, but the earnings withdrawn will betaxable income to you and may be subject to an additional 10% tax on premature distributions. Alternatively,excess contributions for one year may be carried forward as IRA contributions in the next year to the extent thatthe excess, when aggregated with your IRA contribution (if any) for the subsequent year, does not exceed themaximum allowable (deductible and nondeductible) amount for that year. The 6% excise tax will be imposed onexcess contributions in each year they are neither returned nor applied as contributions.

(b) Early Distributions. Since the purpose of an IRA is to accumulate funds for retirement, your receiptor use of any portion of your IRA before you attain age 59½ constitutes an early distribution unless thedistribution: (i) occurs in the event of your death or disability; (ii) is part of a series of substantially equal periodicpayments made over your life (or life expectancy) (as determined from tables in the income tax regulations) orthe joint lives (or joint life expectancies) of you and your beneficiary (iii) is used to pay certain medical expenses;(iv) is used for certain qualified first-time homebuyer expenses (v) is used for certain qualified higher educationexpenses (vi) is a qualified reservist distribution, (vii) is made on account of an IRS tax levy, or (viiiÊ is a Iualifiedbirth or adoption distribution. The amount of an early distribution (excluding the nondeductible contributionincluded therein) is includable in your gross income and is subject to a 10% additional tax on the amount of theearly distribution unless you transfer it to another IRA or qualified retirement plan as a qualifying rollovercontribution. If you transfer, rollover or convert a regular IRA into a Roth IRA, the 10% additional tax will notapply, but the distribution is taxable income.

(c) Minimum Distributions. If the minimum distribution rules described in paragraph 5(a) apply to arecipient of distributions and if the amount distributed during a calendar year is less than the minimum amountrequired to be distributed, the recipient will be subject to a penalty tax equal to 50% of the difference betweenthe amount required to be distributed and the amount actually distributed.

(d) Prohibited Transactions and Loans. If you or your beneficiary engage in any prohibited transaction(such as any sale, exchange or leasing of any property between you and the annuity, or any interference withthe independent status of the annuity) or if you borrow from the annuity, the annuity will lose its tax exemptionand be treated as having been distributed to you. The value of the entire annuity (excluding the nondeductiblecontribution included therein) will be includable in your gross income. If you pledge your annuity as security for aloan, the portion pledged is considered to be distributed to you and the taxable portion is includable in yourgross income. If at the time of the prohibited transaction you are under age 59½, you will also be subject to the10% excise tax on early distributions.

(e) Overstatement of Nondeductible Contributions. If you overstate your nondeductible IRAcontributions on your federal income tax return (without reasonable cause) you may be subject to a $100penalty and a $50 penalty for failure to file any form required by the IRS to report nondeductible contributions (inaddition to any generally applicable tax, interest, and penalties to which you may be liable if you understateincome upon receiving a distribution from your account. See paragraph 5(b) of this Disclosure Statement andIRS Form 8606.)

7. Federal Estate and Gift Taxes

Any amount distributed from your IRA upon your death may be subject to federal estate and gift taxes.

(a) Excess Contributions. If at the end of any taxable year your IRA contributions (other than rolloversor transfers) exceed the maximum allowable (deductible and nondeductible) amount for that year, this excesscontribution amount will be subject to a nondeductible 6% excise tax. However, if you withdraw the excesscontribution, plus any earnings on it, before the due date for filing your federal income tax return for the year(including extensions), the excess contribution will not be subject to the 6% excise tax. The amount of the

Penalties6.

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IRA-6

(d) State Tax Law. You should consult your tax adviser about any state tax consequences of your IRA;you should be aware that some of these laws may differ from Federal tax law governing IRAs.

(e) Further Information and Updates. The legal requirements for IRAs described above may changefrom time to time. Further information or updated information on IRAs may be obtained from the Internal

Revenue Service and in Internal Revenue Service Publication 590�A and ¤ ��e, which are available on theinternet at www.irs.gov.

(f) Subject to the terms of your contract, this IRA product may not have a cash value and withdrawalsmay not be permitted at any time. To the extent your IRA does not have a cash value, we have not includeddata on amounts available at various ages, as otherwise would be required by the IRS regulations. Yourmonthly payments under the IRA are described on the policy data page of the contract. The policy data pagealso discloses the policy service charge, if applicable, that is deducted from your premium payment.

(g) Special rules apply if this is an inherited IRA, such as you cannot make any contributions, the 10%additional tax in paragraph 6(b) does not apply, and the "you" reference in the required distribution rules inparagraph 5(a) refers to the original IRA owner.

(h) Your agent or registered representative receives commission from New York Life Insurance andAnnuity Corporation, or an affiliate, in connection with the policy you are purchasing for your individualretirement account. The amount of this commission is a percentage of the total premium and varies (from a lowof 0.35% to a maximum of 4.50%) depending on the policy, the age of the annuitant and the manner in whichyour agent or registered representative elects to receive the commission. In addition, your agent or registeredrepresentative may elect, in exchange for receiving a lower commission in the first year, to receive yearly “trail”commissions (maximum of 1.00% of the annual premium) payable quarterly beginning in each policy quarterafter the policy’s first anniversary. Finally, your agent or registered representative may elect to receive a smallerfirst year commission in exchange for receiving certain expense allowances or bonuses which may be based onhis or her total sales for the Company.

(c) Vesting. Your interest in your IRA must be nonforfeitable at all times.

(b) IRS Approval. The annuity contract, including the endorsement, is intended to qualify as an IRA.NYLIAC has requested a determination from the IRS that the annuity qualifies as an IRA. Please be aware thatIRS approval is a determination only as to the form of the annuity and does not represent a determinationregarding the merits of such annuity.

(a) Tax Reporting. You need not file IRS Form 5329 with the Internal Revenue Service unless duringthe taxable year there is an excess contribution to, premature distribution from, or insufficient distribution fromyour IRA. You must report contributions to, and distributions from your IRA (including the year end aggregateaccount balance of all IRAs) on your federal income tax return for the year. You must designate on the returnhow much of your annual contribution is deductible and how much is nondeductible.

8. Other Information

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ROTH IRA-1

New York Life Insurance and Annuity CorporationRoth Individual Retirement Annuity

DISCLOSURE STATEMENT

The following information is being provided to you, the policyowner, in accordance with therequirements of the Internal Revenue Service. This disclosure statement is not part of the prospectus. Itincludes non-technical explanations of some of the requirements applicable to Roth Individual RetirementAnnuities (Roth IRAs). The information provided applies to contributions made and distributions received on andafter January 1, 20��. New York Life Insurance and Annuity Corporation does not offer tax or other financialadvice in connection with Roth IRAs. Any tax information is presented only for informational purposes. Youshould consult your tax advisor about the specifics of these rules, and remember that the terms of your actualcontract and any endorsements will control your rights and obligations.

1. Revocation of Your Roth IRA

If you have not received this Disclosure Statement at least seven calendar days before theestablishment of your Roth IRA, you have the right to revoke your Roth IRA at any time during the sevencalendar day period following its establishment. In order to revoke your IRA, you must notify us in writing andyou must mail or deliver your revocation to New York Life Insurance and Annuity Corporation, 51 MadisonAvenue, Room 452, New York, NY 10010. If your revocation is mailed properly, the date of the postmark (or thedate of certification or registration if sent by certified or registered mail) will be considered your revocation date.If you revoke your Roth IRA during the seven-day period, the entire amount of your account without anyadjustments (for items such as administrative expenses, fees, or fluctuation in market value) will be returned toyou.

2. Contributions

(a) Regular Roth IRA. Subject to the terms of your contract, you may make an initial regular Roth IRAcontribution to this Roth IRA and periodic contributions in any amount up to the contribution limit described inSection 3 of this Disclosure Statement, in addition to a qualified rollover contribution as described in paragraphs(b) and (c), below. All such contributions to your Roth IRA must be in cash. Regular Roth IRA contributions for ataxable year must be made no later than the due date (excluding extensions) for filing the federal income taxreturn for such year. Notwithstanding anything herein to the contrary, if this policy is issued as an Inherited RothIRA, then the policy will only accept, as a single Premium Payment, death proceeds from the Roth IRA of thespecified deceased owner for the benefit of the specified designated beneficiary. The deceased owner musthave made his or her initial contribution to the Roth IRA in a year which is at least five years before the year inwhich Annuity Income Payments commence under this policy. In addition, Annuity Income Payments under thispolicy must commence by December 31 of the year following the year of the deceased owner's death.

(b) Rollover Roth IRA. A rollover contribution is a nonperiodic deposit in cash with respect to which youwarrant that (1) the entire amount rolled over is attributable to a distribution from a regular Individual RetirementAnnuity or Account (a “regular IRA”), an eligible retirement account other than a regular IRA, or another RothIRA, which meets the requirements of Section 408(d)(3) of the Internal Revenue Code (Code), (2) within one (1)year of receiving such distribution, you did not receive another distribution which constituted a “rollover” of aRoth IRA to another Roth IRA; and (3) the contribution as made satisfies all the requirements for a Roth IRArollover contribution as set forth under the Code.

Beginning January 1, 2015, you can make only one rollover from an IRA to another (or the same) IRA inany 12-month period, regardless of the number of IRAs you own (see IRS Announcement 2014-32). You can,however, continue to make an unlimited number of trustee-to-trustee transfers between IRAs. You can alsomake an unlimited number of rollovers from traditional IRAs to Roth IRAs ("conversions").

Strict limitations apply to rollovers, and you should seek competent tax advice in order to comply with allthe rules governing rollovers.

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(c) Transfers and Conversions. Subject to the terms of our contract, you may make an initialcontribution or subsequent contributions hereunder by directing a Trustee of an existing regular IRA or a Trusteeof an eligible retirement plan other than a regular IRA to directly transfer an amount in cash from or, if permittedby the IRA Trustee, to convert, such regular IRA into this Roth IRA. You may also direct a Trustee of an existingRoth IRA to directly transfer an amount in cash to the Trustee of this Roth IRA.

(d) Tax Consequences of Rollovers and Transfers. Except to the extent it represents a return of after-tax contributions, such a rollover, transfer, or conversion of a regular IRA to a Roth IRA (or a direct rollover froman eligible retirement plan other than a regular IRA to a Roth IRA) will be treated as a taxable distribution of athe regular IRA (or the eligible retirement plan, as the case may be), but the 10% additional tax on earlydistributions will not apply. Rollover contributions from eligible retirement plans must meet the rolloverrequirement that apply to the specific type of retirement plan.

(e) Responsibility of the Policyowner. If you contemplate making contributions, rollovers, or transfers tothe Roth IRA, such contributions, rollovers, or transfers must be made in accordance with the appropriatesections of the Code. It is your full and sole responsibility to determine whether such contributions, rollovers, ortransfers are in accordance with the Code. New York Life Insurance and Annuity Corporation and its employeesare not permitted to provide tax advice, and assume no liability for the tax consequences of any contribution to,or distribution from, a Roth IRA.

3. Eligibility for Contributions

(a) Eligibility. Under the law, you may make a contribution of up to the lesser of $£,�00 (in 20��),($¢,�00 if you are age 50 or older; this dollar limit may increase in subsequent years) or 100% of compensation,reduced by the amount of contributions you make to any other regular IRA or Roth IRA for the taxable year,provided that if your MAGI is above the specified level, the amount of the contribution you may make to a RothIRA is phased down and eventually eliminated. Contributions to a Roth IRA are not deductible for income taxpurposes. In addition, your initial contribution can include contributions specifically authorized by the Code, suchas repayments of qualified reservist distributions, repayments of certain plan distributions made on account of afederally declared disaster, certain amounts received in connection with the Exxon Valdez litigation, and certainairline and military death payments.

(b) Modified Adjusted Gross Income (MAGI). You must look at your Modified Adjusted Gross Incomefor the year (if you and your spouse file a joint tax return, use your combined MAGI) to determine whether youcan make a Roth IRA contribution. Your tax return will show you how to calculate your MAGI for this purpose,except that you should disregard any income resulting from a taxable rollover, transfer, or conversion of aregular IRA to a Roth IRA. Only if you are at or below a certain MAGI level, called the Threshold Level, can youmake a contribution to a Roth IRA; provided that if your MAGI is above the Threshold Level but below aMaximum Level (as described below), you make a reduced contribution that is phased down and eventuallyeliminated.

If you are single or head of household, your Threshold Level is $1�¥,000, and you may not make acontribution if your MAGI is $13 ,000 (Maximum Level) or more (in 20��). If you are married and file a jointtax return, the Threshold Level is $1 £,000, and you may not make a contribution if your MAGI is $��£,000(Maximum Level) or more (in 20��). If you are married but file a separate tax return, the Threshold Level is $0and you may not make a contribution if your MAGI is $10,000 (Maximum Level) or more (in 20��).

If your MAGI is less than $15,000 ($10,000 in the case of a joint return or a married individual filing aseparate return) more than your Threshold Level, you will still be able to make a Roth IRA contribution, but it willbe limited in amount. The amount by which your MAGI exceeds your Threshold Level (MAGI minus theThreshold Level) is called your Excess MAGI. The maximum allowable contribution is $£,�00 (in 20��). You cancalculate your contribution limit as follows:

$15,000 ($10,000 in the caseof a joint or married filing – Excess Maximumseparately return) MAGI X Allowable = Contribution Limit$15,000 ($10,000 in the case Contribution

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of a joint return)

You must round up the result to the next highest $10 level (the next highest number which ends inzero). For example, if the result is $1,525, you must round it up to $1,530. If the final result is below $200 butabove zero, your contribution limit is $200. Your contribution limit cannot, in any event, exceed 100% of yourcompensation.

The maximum contribution you and your spouse may make to all your IRAs in the aggregate, includingRoth IRAs, is the lesser of 100% of your combined compensation or $1�,000 annually ($£,�00 individually,$1¥,000 or $¢,�00 individually, if both spouses are age 50 or older by the end of the tax year).

(c) Deductions. No deduction is allowed for Roth IRA contributions.

(d) Compensation. For purposes of determining allowable contributions, the term “compensation”includes all earned income, including net earnings from self employment and alimony or separate maintenancepayments received and includible in your gross income and differential wage payments (Code section3401(h)(2)), but does not include deferred compensation or any amount received as a pension or annuity.

4. Distributions

(a) Required Distributions Before Death. Distributions are not required to be made prior to your death.However, if this policy is issued as an Inherited Roth IRA, then distributions to you (the beneficiary of the originalRoth IRA) are required to be made during your life as described in Section 4(b) of this Disclosure Statement,below.

(b) Required Distributions After Death. With respect to owners who die after ��� , unless an exceptionapplies, the entire interest of your IRA must be distributed by the end of the ��th year following the year of yourdeath. If your beneficiary is an eligible designated beneficiary, distributions to your beneficiary can be made overyour beneficiary’s life or over a period not exceeding your beneficiary’s life expectancy. An eligible designatedbeneficiary is an individual who is (aÊ the owner’s spouse, (�Ê no more than �� years younger than the owner, (¦Êthe owner’s minor child (only until the child reaches majority, at which time the ���year rule appliesÊ, (¥Ê disabledor chronically ill (including certain trusts for the disabled or chronically illÊ. When an eligible designatedbeneficiary dies, any remaining interest must be distributed by the end of the ��th year following the year of theeligible designated beneficiary’s death. If your beneficiary is eligible to take distributions over their life or lifeexpectancy, distributions upon your death must begin by December ¦�st of the year following the year of yourdeath, or, if your beneficiary is your spouse, no later than December ¦�st of the year in which you would haveattained age ¢�.

If your beneficiary is not an individual (including your estate, a corporation, a charity, or certain trusts thatare neither a “see�through” trust or an “applicable multi�beneficiary trust”Ê, distribution of the entire interest in yourRoth IRA must be made to your beneficiary by the end of the ¤th year following the year of your death.

(c) Roth IRA Distributions.

(1) Qualified nontaxable distributions. A distribution from your Roth IRA will not be includible inyour gross income if it is:

(i) made on or after the date you attain age 59 ½(ii) made after you die or become disabled, or

(iii) made as a qualified first time homebuyer distribution (up to a $10,000 lifetime limit)

and is made after the five taxable year period beginning with the first taxable year for which you or yourspouse made a contribution to a Roth IRA, or, in the case of a rollover from a regular IRA (or eligibleretirement plan) to a Roth IRA, after the five taxable year period beginning with the taxable year of therollover.Distributions meeting these requirements are known as “qualifying distributions”.

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(2) Other distributions partly taxable.

If a distribution from your Roth IRA does not meet the requirements of a qualifying distributionas described in (1), then the distribution will be treated first as a return of nontaxable Roth IRAcontributions, and second, after all such contributions have been returned, as distributions of taxableearnings, which in addition to income tax may be subject to the 10% penalty tax on early distributions,as discussed below.

In addition, you will not be entitled to use any form of income averaging to reduce the federalincome tax on the taxable portion of your distribution. Also, no portion of your distribution is taxable asa capital gain.

(3) Inherited Roth IRA Distributions

Distributions from your Inherited Roth IRA are not includible in your gross income provided thedeceased original Roth IRA owner made his or her initial contribution to the Roth IRA in a year which isat least five years before the year in which distributions commence under the Inherited Roth IRA.

(d) Withholding. Unless you elect not to have withholding apply, federal income tax will be withheldfrom any taxable portion of your Roth IRA distributions. If payments are delivered to foreign countries, however,tax will, generally, be withheld unless you certify to the Trustee that you are not a U.S. citizen residing abroad ora “tax avoidance expatriate” (as defined in Code section 877).

5. Penalties

(a) Excess Contributions. If at the end of any taxable year your Roth IRA contributions (other thanrollovers or transfers) exceed the maximum allowable amount for that year, this excess contribution amount willbe subject to a nondeductible 6% excise tax. However, if you withdraw the excess contribution, plus anyearnings on it, before the due date for filing your federal income tax return for the year (including extensions),the excess contribution will not be subject to the 6% excise tax. The amount of the excess contributionwithdrawn will not be considered a premature distribution, but the earnings withdrawn will be taxable income toyou and may be subject to an additional 10% tax on premature distributions. Alternatively, excess contributionsfor one year may be carried forward as Roth IRA contributions in the next year to the extent that the excess,when aggregated with your Roth IRA contributions (if any) for the subsequent year, does not exceed themaximum allowable amount for that year. The 6% excise tax will be imposed on excess contributions in eachyear they are neither returned nor applied as contributions.

(b) Early Distributions. Since the purpose of a Roth IRA is to accumulate funds for retirement, yourreceipt or use of any portion of your Roth IRA account (for example, as collateral for a loan) which is not aqualifying distribution before you attain age 59½, to the extent it is taxable to you as described above,constitutes an early distribution, unless the distribution: (i) is a result of death or disability, (ii) is part of a seriesof substantially equal periodic payments made over your life (or life expectancy) (as determined from tables inthe income tax regulations) or the joint lives (or joint life expectancies) of you and your beneficiary, (iii) is usedto pay certain medical expenses, (iv) is used for certain qualified first-time homebuyer expenses, (v) is used forcertain qualified higher education expenses, (vi) is a qualified reservist distribution, or (vii) is made on account ofan IRS tax levy. The amount of an early distribution which is not a qualifying distribution and is not a return ofprevious Roth IRA contributions is includible in your gross income and is subject to a 10% additional tax on theamount of the early distribution, unless you transfer it to another Roth IRA as a qualifying rollover contribution.

(c) Minimum Distributions. If the minimum distribution rules for distributions after death described in4(a) apply to a recipient of distributions and if the amount distributed during a calendar year is less than theminimum amount required to be distributed, the recipient will be subject to an excise tax equal to 50% of thedifference between the amount required to be distributed and the amount actually distributed.

(d) Prohibited Transactions and Loans. If you or your beneficiary engage in any prohibited transaction(such as any sale, exchange or leasing of any property between you and the annuity, or any interference withthe independent status of the annuity) or if you borrow from the annuity, the annuity will lose its tax exemption

(e) 7Q K��}ªKª�G�K{ûªG{QSI Q� �QSC�KI{QSI Uª�� {S ³Î¶¡ QK uªG�KÔ A conversion of a traditional IRA to aRoth IRA, and a rollover from any other eligible retirement plan to a Roth IRA, made in tax years beginning afterDecember ©1, ª017, cannot be recharacteriCed as having been made to a traditional IRA.

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and be treated as having been distributed to you. The value of the entire annuity (excluding the Rothcontributions included therein) will be includible in your gross income. If you pledge your annuity as security fora loan the portion pledged is considered to be distributed to you and the taxable portion is includible in yourgross income. If at the time of the prohibited transaction you are under age 59½ you will also be subject to the10% exercise tax on early distributions.

6. Federal Estate Gift Taxes

Any amount distributed from your Roth IRA upon your death may be subject to federal estate and gifttaxes.

7. Other Information

(a) Tax Reporting. You need not file IRS Form 5329 with the Internal Revenue Service unless duringthe taxable year there is an excess contribution to, or premature distribution from, your Roth IRA. You mustreport distributions from your Roth IRA on your federal income tax return for the year.

(b) IRS Approval. The annuity contract, including the endorsement, is intended to qualify as a RothIRA. NYLIAC has requested a determination from the IRS that the annuity qualifies as a Roth IRA. Please beaware that IRS approval is a determination only as to the form of the annuity and does not represent adetermination regarding the merits of such annuity.

(c) Vesting. Your interest in your Roth IRA must be nonforfeitable at all times.

(d) State Tax Law. You should consult your tax adviser about any state tax consequences of your IRA;you should be aware that some of these laws may differ from Federal tax law governing IRAs.

(e) Further Information and Updates. The legal requirements for Roth IRAs described above maychange from time to time. Further information or updated information on IRAs, including Roth IRAs, may beobtained from the Internal Revenue Service and in Internal Revenue Service Publications 590-A and 590-B,which are available on the internet at www.irs.gov.

(f) Subject to the terms of your contract, this Roth IRA product may not have a cash value andwithdrawals may not be permitted at any time. To the extent that your Roth IRA does not have a cash value, wehave not included data on amounts available at various ages, as otherwise would be required by the IRSregulations. Your monthly payments under the Roth IRA are described on the policy data page of the contract.The policy data page also discloses the policy service charge, if applicable, that is deducted from your premiumpayment.

(g) Your agent or registered representative receives commission from New York Life Insurance andAnnuity Corporation, or an affiliate, in connection with the policy you are purchasing for your individualretirement account. The amount of this commission is a percentage of the total premium and varies (from a lowof 0.35% to a maximum of 4.50%) depending on the policy, the age of the annuitant and the manner in whichyour agent or registered representative elects to receive the commission. In addition, your agent or registeredrepresentative may elect, in exchange for receiving a lower commission in the first year, to receive yearly “trail”commissions (maximum of 1.00% of the annual premium) payable quarterly beginning in each policy quarterafter the policy’s first anniversary. Finally, your agent or registered representative may elect to receive a smallerfirst year commission in exchange for receiving certain expense allowances or bonuses which may be based onhis or her total sales for the Company.

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SIMPLE IRA-1

NEW YORK LIFE INSURANCE AND ANNUITY CORPORATIONSAVINGS INCENTIVE MATCH PLAN FOR EMPLOYEES (SIMPLE)

INDIVIDUAL RETIREMENT ANNUITY

DISCLOSURE STATEMENT

The following information is being provided to you, the policyholder, in accordance with therequirements of the Internal Revenue Service (IRS). This disclosure includes the Internal RevenueService's non-technical explanation of some of the rules generally applicable to SIMPLE IndividualRetirement Arrangements (SIMPLE IRAs). The information provided applies to contributions made anddistributions received on and after January 1, 20��. New York Life Insurance and Annuity Corporationdoes not offer tax or other financial advice in connection with SIMPLE IRAs. Any tax information ispresented only for informational purposes. You should consult your tax advisor about the specifics of theserules, and remember that the terms of your actual Contract and any Endorsements will control your rightsand obligations.

1. Revocation of Your SIMPLE IRAIf you have not received this Disclosure Statement at least seven calendar days before the

establishment of your SIMPLE IRA, you have the right to revoke your SIMPLE IRA during the sevencalendar day period following the establishment of it. In order to so revoke your SIMPLE IRA, you mustdo so in writing and you must mail or deliver your revocation to New York Life Insurance and AnnuityCorporation, 51 Madison Avenue, New York, New York 10010. If your revocation is mailed, the date ofthe postmark (or the date of certification or registration if sent by certified or registered mail) will beconsidered your revocation date. If you so revoke your SIMPLE IRA during the seven-day period, theentire amount of your SIMPLE IRA, without any adjustments (for items such as administrative expenses,fees, or fluctuation in market value) will be returned to you. If you have any questions about your annuityor the revocation process, please call the number listed on the inside back cover.

2. Eligibility and Participation RequirementsAn employer may establish a SIMPLE IRA plan for a calendar year if the employer had no more than

100 employees who earned $5,000 or more in compensation from the employer during the precedingcalendar year (the “100-Employee limit”).

If the employer maintaining the SIMPLE IRA plan exceeds the 100-Employee limit for a particularcalendar year, the employer is treated as meeting the 100-Employee limit for the 2 calendar yearsfollowing the calendar year that such employer last satisfied the 100-Employee limit. If the failure tocontinue to satisfy the 100-Employee limit is due to an acquisition or similar transaction, the 2-year graceperiod applies only if the employer satisfies the provisions of Section 410(b)(6)(C)(i) of the InternalRevenue Code (“Code”).

If you are an eligible employee for a particular calendar year, you must be permitted to make ormodify a salary reduction election during the 60-day period immediately preceding the calendar year,effective as soon as practical after receipt by the employer (or, if later, the date specified by you in thesalary reduction agreement) but not earlier than the first pay period beginning in the calendar year.

You must be permitted to terminate a salary reduction election at any time. The termination requestmust be in writing and become effective as soon as practical after receipt of the request by the employeror, if later, the date specified by you in the termination request.

3. Contributionsa) Limitations. A SIMPLE IRA plan established by your employer allows for (i) elective employer

contributions on your behalf through salary reduction and (ii) employer matching contributions oremployer non-elective contributions. Your employer is required to deposit salary reduction contributionsinto the SIMPLE IRA no later than the 30th day following the last day of the month in which the deferrals

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are deducted from your compensation. These contributions are paid to the SIMPLE IRA that youestablished under the Contract.

All SIMPLE IRA plan contributions are made to your SIMPLE IRA and are nonforfeitable. Rollovers ortransfers into your SIMPLE IRA may only be made from another SIMPLE IRA. In addition, after December�¡, ���¤, rollover contributions may be made from employer�sponsored retirement plans and traditionalIRAs into a SIMPLE IRA provided that the individual has met an initial participation period of two years inthe employerÌs SIMPLE IRA plan. No other contributions may be made to your SIMPLE IRA. Contributionsmust be made in cash and cannot exceed the maximum amount allowed under the Code.

Beginning January 1, 2015, you can make only one rollover from an IRA to another (or the same) IRAin any 12-month period, regardless of the number of IRAs you own (see IRS Announcement 2014-32).You can, however, continue to make an unlimited number of trustee-to-trustee transfers between IRAs.You can also make an unlimited number of rollovers from traditional IRAs to Roth IRAs ("conversions").

Salary deferral contributions made to your SIMPLE IRA are limited to $1¦,¤00 in 20��. Thereafter,the maximum amount will be adjusted by the Secretary of the Treasury for cost-of-living increases underSection 408(p)(2)(E) of the Code.

If you attain age 50 or over by the end of the calendar year, you can elect to have your compensationreduced by an additional amount of $3,000 for 20��. Thereafter, the maximum additional amount will beadjusted by the Secretary of the Treasury for cost-of-living increases under Section 414(v)(2)(C) of theCode.

In addition, your employer will either match the first 3% of compensation you defer up to a maximum ofyour salary deferral contribution or contribute 2% of your compensation (up to a maximum of $2¡¤,000 ofcompensation for 20�� and thereafter adjusted for inflation). In two out of every five years, your employermay elect to match less than the first 3% of compensation you defer, but cannot match less than 1% ofcompensation. Generally, compensation means the sum of the wages, tips, and other compensation youreceive from the employer subject to federal income tax withholding (as described in Section 6051(a)(3) ofthe Code) and your salary reduction contributions made under the SIMPLE IRA plan, and, if applicable,elective deferrals made on your behalf under a Section 401(k) plan, a SARSEP, a Section 403(b) annuitycontract and compensation from the employer deferred under a Section 457 plan required to be reportedby the employer on Form W-2 (as described under Section 6051(a)(8) of the Code). Compensation doesnot include any amounts deferred by you pursuant to a Code Section 125 cafeteria plan. Compensationwill include any differential wage payments (Code Section 3401(h)(2)).

For a self-employed individual, compensation means the net earnings from self-employment withrespect to the employer determined under Section 1402(a) of the Code, without regard to Section1402(c)(6) of the Code, prior to subtracting any contributions made pursuant to the SIMPLE IRA plan onbehalf of the individual.

You may make an initial or subsequent contribution hereunder by directing a Custodian, Trustee, orIssuer of an existing SIMPLE IRA to transfer an amount in cash to New York Life Insurance and AnnuityCorporation (NYLIAC) to be invested in accordance with this Contract. You may also transfer yourcontributions to another financial institution at any time. However, because NYLIAC is not a "designatedfinancial institution" under Section 408(p)(7) of the Code, such a transfer is not required to be madewithout cost or penalty and deferred sales charges or other fees may be assessed against your SIMPLEIRA before the transfer is made.

(b) Responsibility of Employer. The SIMPLE IRA plan established by your employer pursuant towhich contributions will be made to, and distributions will be made from, the SIMPLE IRA plan is theemployer’s full and sole responsibility. NYLIAC and its employees shall not be responsible for thecompliance of the SIMPLE IRA plan with the provisions of the Code and applicable law. Such matters,including without limitation, the propriety and collection of contributions, the propriety of distributions and

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the consequences thereof, and the administration of the SIMPLE IRA plan, are the sole responsibility ofthe employer.

(c) Responsibility of Policyowner. If you contemplate future periodic contributions, rollovers, ortransfers to (or from) the SIMPLE IRA, such contributions, rollovers, or transfers must be made inaccordance with the appropriate sections of the Code. It is your full and sole responsibility to determinewhether such contributions, rollovers, or transfers are in accordance with the Code. Neither NYLIAC norits employees are permitted to provide tax advice, and will assume no liability for the tax consequencesof' any contribution to or distribution from the SIMPLE IRA.

(d) Timing of Contributions. The employer must make a salary reduction contribution to the SIMPLEIRA established for you under this SIMPLE IRA plan as of the earliest date on which the contributions onyour behalf can reasonably be segregated from the employer’s general assets, but in no event later than30 days after the end of the month in which the contribution is withheld from your pay.

The employer must make the matching or nonelective contribution to the SIMPLE IRA established foryou under this SIMPLE IRA plan no later than the due date for filing the employer’s federal income taxreturn, including extensions, for the taxable year that includes the last day of the calendar year for whichthe contribution is made.

4. Distributions(a) Required Distributions. Distribution from your SIMPLE IRA must be made or begin no later than

the April 1 of the calendar year next following the calendar year in which you attain age 7� (for individualswho attain ¢�k on or after aanuary �, ����Ê. Distribution may be made at once in a lump sum, or it maybe made in installments. Installment payments must be made over a period not exceeding your lifeexpectancy (as determined annually), or the joint life and last survivor expectancy of you and thebeneficiary you designate (as redetermined annually, if that beneficiary is your spouse).

With respect to owners who die after ��� , unless an exception applies, the entire interest of your IRAmust be distributed by the end of the ��th year following the year of your death. If your beneficiary is aneligible designated beneficiary, distributions to your beneficiary can be made over your beneficiary’s life orover a period not exceeding your beneficiary’s life expectancy. An eligible designated beneficiary is anindividual who is (aÊ the owner’s spouse, (�Ê no more than �� years younger than the owner, (¦Ê theowner’s minor child (only until the child reaches majority, at which time the ���year rule appliesÊ, (¥Êdisabled or chronically ill (including certain trusts for the disabled or chronically illÊ. When an eligibledesignated beneficiary dies, any remaining interest must be distributed by the end of the ��th yearfollowing the year of the eligible designated beneficiary’s death. If your beneficiary is eligible to takedistributions over their life or life expectancy, distributions upon your death must begin by December ¦�stof the year following the year of your death, or, if your beneficiary is your spouse, no later than December¦�st of the year in which you would have attained age ¢�.

If your beneficiary is not an individual (including your estate, a corporation, a charity, or certain truststhat are neither a “see�through” trust or an “applicable multi�beneficiary trust”Ê and you die afterdistribution to you has begun, the remaining portion of your interest in your IRA must be distributed to yourbeneficiary at least as rapidly as your IRA was being distributed prior to your death. If your beneficiary isnot an individual and you die before you begin to receive distributions, distribution of the entire interest inyour IRA must be made to your beneficiary by the end of the ¤th year following the year of your death.

(b) SIMPLE IRA Distributions. Distributions from your SIMPLE IRA are taxed as ordinary income.Even if you withdrew all of the money in your SIMPLE IRA in a lump sum, you will not be entitled to useany form of income averaging to reduce the federal income tax on your distribution. Also, no portion ofyour distribution is taxable as a capital gain.

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5. Penalties(a) Early Distributions. Since the purpose of a SIMPLE IRA is to accumulate funds for retirement,

your receipt or use of any portion of your SIMPLE IRA (for example, as collateral for a loan) before youattain age 59½ constitutes an early distribution unless the distribution (i) is a result of your death ordisability, (ii) is part of a series of substantially equal periodic payments made over your life (or lifeexpectancy) or the joint lives of you and your beneficiary (or joint life expectancies of you and yourbeneficiary) (as determined from tables in the income tax regulations), (iii) is used to pay certain medicalexpenses or health insurance premiums for certain unemployed persons, (iv) is used for certain qualifiedfirst-time homebuyer expenses, (v) is used for certain qualified higher education expenses, or (vi) ismade on account of an IRS tax levy. The amount of an early distribution is includible in your grossincome and is subject to a 10% additional tax on the amount of the early distribution unless a transfer orrollover contribution is made to another SIMPLE IRA (or another IRA or qualified retirement plan after twoyears of participation). However, the 10% additional tax increases to 25% for distributions you receive ifyou have participated in your employer's SIMPLE IRA plan for less than two years.

(b) Minimum Distributions. If the minimum distribution rules described in paragraph 4(a) apply to arecipient of distributions and if the amount distributed during a calendar year is less than the minimumamount required to be distributed, the recipient will be subject to a penalty tax equal to 50% of thedifference between the amount required to be distributed and the amount actually distributed.

(c) Excess Contributions. If at the end of any taxable year your SIMPLE IRA contributions (otherthan rollovers or transfers) exceed the maximum allowable amount for that year, this excess contributionamount will be subject to a nondeductible 6% excise tax. However, if you withdraw the excesscontribution, plus any earnings on it, before the due date for filing your federal income tax return for theyear (including extensions), the excess contribution will not be subject to the 6% excise tax. The amountof the excess contribution withdrawn will not be considered a premature distribution, but the earningswithdrawn will be taxable income to you and may be subject to an additional 10% tax on prematuredistributions. The 6% excise tax will be imposed on excess contributions in each year they are neitherreturned nor applied as contributions.

(d) Prohibited Transactions. If you or your beneficiary engage in any prohibited transaction (such asany sale, exchange or leasing of any property between you and the annuity, or any interference with theindependent status of the annuity), the annuity will lose its tax exemption and be treated as having beendistributed to you. The value of the entire annuity will be includible in your gross income; if at the time ofthe prohibited transaction you are under age 59½ you will also be subject to the 10% additional tax (or25% additional tax if you have participated in your employer's SIMPLE IRA plan for less than two years)on early distributions.

6. Federal Estate and Gift TaxesAny amount distributed from your SIMPLE IRA upon your death may be subject to federal estate and

gift taxes.

(d) 7Q K��}ªKª�G�K{ûªG{QSI Q� �QSC�KI{QSI Uª�� {S ³Î¶¡ QK uªG�KÔ A conversion of a traditional IRA to aRoth IRA, and a rollover from any other eligible retirement plan to a Roth IRA, made in tax yearsbeginning after December ©1, ª017, cannot be recharacteriCed as having been made to a traditional IRA.

(c) Withholding. Unless you elect not to have withholding apply, a 10% federal income tax (or wagewithholding for periodic payments) will be withheld from your taxable SIMPLE IRA distributions. Ifpayments are delivered to foreign countries, however, tax will generally be withheld at a 10% (or wage)rate unless you certify to the Custodian that you are not a U.S. citizen residing abroad or a "tax avoidanceexpatriate" (as defined in Code Section 877).

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SIMPLE IRA-5

(c) Vesting. Your interest in your SIMPLE IRA must be nonforfeitable at all times.

(d) State Tax Law. You should consult your tax adviser about any state tax consequences of yourSIMPLE IRA; you should be aware that some of these laws may differ from Federal tax law governingSIMPLE IRAs.

(e) Further Information and Updates. The legal requirements for SIMPLE IRAs described above maychange from time to time. Further information or updated information on IRAs, including SIMPLE IRAs,may be obtained from the Internal Revenue Service and in Internal Revenue Service Publications 590-Aand 590-B and Internal Revenue Service Publication 560, which are available on the internet atwww.irs.gov.

(f) Tax Reporting. You need not file IRS Form 5329 with the IRS unless during the taxable yearthere is an excess contribution to, premature distribution from, or insufficient distribution from your IRA.

(g) Your agent or registered representative receives commission from New York Life Insurance andAnnuity Corporation, or an affiliate, in connection with the policy you are purchasing for your individualretirement account. The amount of this commission is a percentage of the total premium and varies (froma low of 0.35% to a maximum of 4.50%) depending on the policy, the age of the annuitant and themanner in which your agent or registered representative elects to receive the commission. In addition,your agent or registered representative may elect, in exchange for receiving a lower commission in thefirst year, to receive yearly “trail” commissions (maximum of 1.00% of the annual premium) payablequarterly beginning in each policy quarter after the policy’s first anniversary. Finally, your agent orregistered representative may elect to receive a smaller first year commission in exchange for receivingcertain expense allowances or bonuses which may be based on his or her total sales for the Company.

(b) IRS Approval. This annuity contract, including the SIMPLE IRA endorsement, is intended toqualify as a SIMPLE IRA. NYLIAC has requested a determination from the IRS that the annuity qualifiesas a SIMPLE IRA. Please be aware that IRS approval is a determination only as to the form of the annuityand will not represent a determination of the merits of such annuity.

immediately preceding January 1 of that year (or the 60-day period that includes either the date youbecome eligible, or the day before for the year in which you become eligible to make contributions underthe SIMPLE IRA plan) that you can make or change salary reduction elections and select the financialinstitution that will serve as the custodian of your SIMPLE IRA. This notification must also include theamount of the matching contribution or the nonelective contribution. The employer must also provide youwith a summary description of the SIMPLE IRA plan during this period.

For a calendar year, your employer must notify you during the 60-day period(a) Notification.Other Information7.

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Page 99: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable
Page 100: New York Life Variable Annuity · 2020. 8. 7. · New York Life Variable Annuities This summary document reviews important points to consider before you buy a New York Life variable

New York Life Insurance Company

New York Life Insurance and AnnuityCorporation (NYLIAC) (A Delaware Corporation)

51 Madison AvenueNew York, NY 10010

Issued by: New York Life Insurance and Annuity Corporation(A Delaware Corporation)

Distributed by: NYLIFE Distributors LLC

Member FINRA/SIPC

www.newyorklife.com

14134 (05/20) (NYLIAC) NI011