<PAGE> 1
SEI DAILY INCOME TRUST
CORPORATE DAILY INCOME PORTFOLIO
GOVERNMENT SECURITIES DAILY INCOME PORTFOLIO
SHORT-TERM MORTGAGE PORTFOLIO
SHORT DURATION MORTGAGE PORTFOLIO
SHORT-TERM GOVERNMENT PORTFOLIO
INTERMEDIATE-TERM GOVERNMENT PORTFOLIO
GNMA PORTFOLIO
SUPPLEMENT DATED MAY 1, 1996 TO
THE CLASS A, B & C PROSPECTUS
DATED MAY 31, 1995
THIS SUPPLEMENT TO THE PROSPECTUS SUPERSEDES AND REPLACES ANY EXISTING
SUPPLEMENTS TO THE PROSPECTUS. THIS SUPPLEMENT PROVIDES NEW AND ADDITIONAL
INFORMATION BEYOND THAT CONTAINED IN THE PROSPECTUS, AND SHOULD BE READ IN
CONJUNCTION WITH SUCH PROSPECTUS.
At a meeting held on March 18, 1996, the Trustees eliminated the Trust's Rule
12b-1 Distribution Plan for Class A, Class B and Class C shares, and approved
Class A, Class B and Class C shareholder servicing plans that provide for
shareholder servicing fees payable to the Distributor of up to .25% of average
net assets, as well as Class B and Class C administrative services plans that
provide for administrative service fees payable to the Distributor of up to
.05% and .25%, respectively. These new arrangements are to be effective as of
May 1, 1996. Under these new plans, the Distributor may provide a broad range
of shareholder and administrative services itself, or may enter into
arrangements under which third parties provide such services and are
compensated by the Distributor. As a result of this change, effective May 1,
1996, the following Class A "Annual Operating Expenses" table replaces the
table on page 2 of the Prospectus:
ANNUAL OPERATING EXPENSES (as a percentage of average net assets)
<TABLE>
<CAPTION>
Class A
- ---------------------------------------------------------------------------------------------------------------------------------
GOVERNMENT
CORPORATE SECURITIES SHORT INTERMEDIATE-
DAILY DAILY SHORT-TERM DURATION SHORT-TERM TERM
INCOME INCOME MORTGAGE MORTGAGE GOVERNMENT GOVERNMENT GNMA
PORTFOLIO PORTFOLIO PORTFOLIO PORTFOLIO PORTFOLIO PORTFOLIO PORTFOLIO
--------- --------- ---------- --------- --------- --------- ---------
<S> <C> <C> <C> <C> <C> <C> <C>
Management/Advisory Fees
(after fee waiver )1 .30% .31% .30% .18% .42% .44% .41%
12b-1 Fees None None None None None None None
Total Other Expenses .05% .04% .15% .27% .03% .06% .19%
Shareholder Servicing
Expenses (after fee waiver)2 .00% .00% .00% .00% .00% .03% .15%
- ---------------------------------------------------------------------------------------------------------------------------------
Total Operating Expenses (after
fee waivers)3 .35% .35%4 .45% .45%4 .45% .50%5 .60%5
- ---------------------------------------------------------------------------------------------------------------------------------
</TABLE>
1 The Manager has waived, on a voluntary basis, a portion of its fee,and
the Management/Advisory fees shown reflect this voluntary waiver. The
Manager reserves the right to terminate its waiver at any time in its
sole discretion. Absent such fee waiver, Management/Advisory fees
would be .45% for the Corporate Daily Income, Government Securities
Daily Income, Short-Term Mortgage and Short Duration Mortgage
Portfolios and .44% for the Short-Term Government Portfolio. The
Portfolios' Management/Advisory fees have been restated to reflect
reductions in fee waivers.
2 The Distributor has waived, on a voluntary basis, all or a portion of
its shareholder servicing fee, and the Shareholder Servicing Fees
shown reflect this waiver. The Distributor reserves the right to
terminate its waiver at any time in its sole discretion. Absent such
waiver, Shareholder Servicing Fees would be .25% for each of the
Portfolios.
3 Absent these fee waivers, total operating expenses for Class A shares
of the Portfolios would be .75% for the Corporate Daily Income
Portfolio, .74% for the Government Securities Daily Income Portfolio,
.85% for the Short-Term Mortgage Portfolio, .97% for the Short
Duration Mortgage Portfolio, .72% for the Short-Term Government
Portfolio, .72% for the Intermediate-Term Government Portfolio and
.70% for the GNMA Portfolio.
4 Total operating expenses for the Government Securities Daily Income
Portfolios and the Short Duration Mortgage Portfolio, are based on
estimated amounts for the current fiscal year.
5 Total operating expenses for the Intermediate-Term Government and GNMA
Portfolios have been restated to reflect a reduction in the fee
waivers.
<PAGE> 2
EXAMPLE
<TABLE>
<CAPTION>
- ---------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
An investor would pay the following expenses on a $1,000 investment assuming
(1) a 5% annual return and (2) redemption at the end of each time period:
1 YR. 3 YRS. 5 YRS. 10 YRS.
----- ------ ------ -------
Corporate Daily Income Portfolio $4 $11 $20 $44
Government Securities Daily Income Portfolio $4 $11 $20 $44
Short-Term Mortgage Portfolio $5 $14 $25 $57
Short Duration Mortgage Portfolio $5 $14 $25 $57
Short-Term Government Portfolio $5 $14 $25 $57
Intermediate-Term Government Portfolio $5 $16 $28 $63
GNMA Portfolio $6 $19 $33 $75
- ---------------------------------------------------------------------------------------------------------------------------------
</TABLE>
THE EXAMPLE SHOULD NOT BE CONSIDERED A REPRESENTATION OF PAST OR FUTURE
EXPENSES. ACTUAL EXPENSES MAY BE GREATER OR LESS THAN THOSE SHOWN.
The purpose of the expense table and example is to assist the investor in
understanding the various costs and expenses that may be directly or indirectly
borne by investors in the Portfolios. The information set forth in the
foregoing table and example relates only to the Class A shares. The Corporate
Daily Income, Short-Term Government, Intermediate-Term Government and GNMA
Portfolios also offer Class D shares, which are subject to the same expenses
except that Class D shares bear sales charges and different distribution and
transfer agent costs. A person who purchase shares through a financial
institution may be charged separate fees by that institution. Additional
information may be found under "The Manager and Shareholder Servicing Agent,"
"The Adviser" and "Distribution."
____________________________________
<PAGE> 3
As a result of the aforementioned change, effective May 1, 1996, the following
Class B "Annual Operating Expenses" table replaces the table on page 3 of the
Prospectus:
ANNUAL OPERATING EXPENSES (as a percentage of average net assets)
<TABLE>
<CAPTION>
Class B
- -----------------------------------------------------------------------------------------------------------------------------------
GOVERNMENT
CORPORATE SECURITIES SHORT INTERMEDIATE-
DAILY DAILY SHORT-TERM DURATION SHORT-TERM TERM
INCOME INCOME MORTGAGE MORTGAGE GOVERNMENT GOVERNMENT GNMA
PORTFOLIO PORTFOLIO PORTFOLIO PORTFOLIO PORTFOLIO PORTFOLIO PORTFOLIO
--------- --------- ---------- --------- --------- --------- ---------
<S> <C> <C> <C> <C> <C> <C> <C>
Management/Advisory Fees
(after fee waiver)1 .30% .31% .30% .18% .42% .44% .41%
12b-1 Fees None None None None None None None
Total Other Expenses .35% .34% .45% .57% .33% .33% .34%
Shareholder Servicing
Expenses .25% .25% .25% .25% .25% .25% .25%
- -----------------------------------------------------------------------------------------------------------------------------------
Total Operating Expenses
(after fee waivers)2 .65% .65%3 .75% .75%3 .75% .77%4 .75%4
- -----------------------------------------------------------------------------------------------------------------------------------
</TABLE>
1 The Manager has waived, on a voluntary basis, a portion of its fee,
and the Management/Advisory fees shown reflect this voluntary waiver.
The Manager reserves the right to terminate its waiver at any time in
its sole discretion. Absent such fee waiver, Management/Advisory fees
would be .45% for the Corporate Daily Income, Government Securities
Daily Income, Short-Term Mortgage and Short Duration Mortgage
Portfolios and .44% for the Short-Term Government Portfolio. The
Portfolios' Management/Advisory fees have been restated to reflect
reductions in fee waivers.
2 Absent these fee waivers, total operating expenses for Class B shares
of the Portfolios would be .80% for the Corporate Daily Income
Portfolio, .79% for the Government Securities Daily Income Portfolio,
.90% for the Short-Term Mortgage Portfolio, 1.02% for the Short
Duration Mortgage Portfolio and .77% for the Short-Term Government
Portfolio.
3 Total operating expenses for the Government Securities Daily Income
and the Short Duration Mortgage Portfolios are based on estimated
amounts for the current fiscal year.
4 Total operating expenses for the Intermediate-Term Government and GNMA
Portfolios have been restated to reflect a reduction in the fee
waivers.
EXAMPLE
<TABLE>
<CAPTION>
- ---------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
An investor in a Portfolio would pay the following expenses on a $1,000
investment assuming
(1) a 5% annual return and (2) redemption at the end of each time period: 1 YR. 3 YRS. 5 YRS. 10 YRS.
----- ------ ------ -------
$7 $21 $36 $81
Corporate Daily Income Portfolio $7 $21 $36 $81
Government Securities Daily Income Portfolio $8 $24 $42 $93
Short-Term Mortgage Portfolio $8 $24 $42 $93
Short Duration Mortgage Portfolio $8 $24 $42 $93
Short-Term Government Portfolio $8 $25 $43 $95
Intermediate-Term Government Portfolio $8 $24 $42 $93
GNMA Portfolio
- ---------------------------------------------------------------------------------------------------------------------------------
</TABLE>
THE EXAMPLE SHOULD NOT BE CONSIDERED A REPRESENTATION OF PAST OR FUTURE
EXPENSES. ACTUAL EXPENSES MAY BE GREATER OR LESS THAN THOSE SHOWN.
The purpose of the expense table and example is to assist the investor in
understanding the various costs and expenses that may be directly or indirectly
borne by investors in the Portfolios. The information set forth in the
foregoing table and example relates only to the Class B shares. The Corporate
Daily Income, Short-Term Government, Intermediate-Term Government and GNMA
Portfolios also offer Class D shares, which are subject to the same expenses
except that Class D shares bear sales charges and different distribution and
transfer agent costs. A person who purchases shares through a financial
institution may be charged separate fees by that institution. Additional
information may be found under "The Manager and Shareholder Servicing Agent,"
"The Adviser" and "Distribution."
Long-term shareholders may eventually pay more than the economic equivalent of
the maximum front-end sales charges otherwise permitted by the Rules of Fair
Practice of the National Association of Securities Dealers ("NASD").
____________________________________
Also as a result of the aforementioned change, effective May 1, 1996, the
following Class C "Annual Operating Expenses" table replaces the table on page
4 of the Prospectus:
<PAGE> 4
ANNUAL OPERATING EXPENSES (as a percentage of average net assets)
<TABLE>
<CAPTION>
Class C
- ---------------------------------------------------------------------------------------------------------------------------------
GOVERNMENT
CORPORATE SECURITIES SHORT INTERMEDIATE-
DAILY DAILY SHORT-TERM DURATION SHORT-TERM TERM
INCOME INCOME MORTGAGE MORTGAGE GOVERNMENT GOVERNMENT GNMA
PORTFOLIO PORTFOLIO PORTFOLIO PORTFOLIO PORTFOLIO PORTFOLIO PORTFOLIO
--------- --------- ---------- --------- --------- --------- ---------
<S> <C> <C> <C> <C> <C> <C> <C>
Management/Advisory Fees
(after fee waiver)1 .30% .31% .30% .18% .42% .44% .41%
12b-1 Fees None None None None None None None
Total Other Expenses .55% .54% .65% .77% .53% .53% .54%
Shareholder Servicing
Expenses .25% .25% .25% .25% .25% .25% .25%
- ---------------------------------------------------------------------------------------------------------------------------------
Total Operating Expenses
(after fee waiver)2 .85% .85%3 .95% .95%3 .95% .97%4 .95%4
- ---------------------------------------------------------------------------------------------------------------------------------
</TABLE>
1 The Manager has waived, on a voluntary basis, a portion of its fee,and
the Management/Advisory fees shown reflect this voluntary waiver. The
Manager reserves the right to terminate its waiver at any time in its
sole discretion. Absent such fee waiver, Management/Advisory fees
would be .45% for the Corporate Daily Income, Government Securities
Daily Income, Short-Term Mortgage and Short Duration Mortgage
Portfolios and .44% for the Short-Term Government Portfolio. The
Portfolios' Management/Advisory fees have been restated to reflect
reductions in fee waivers.
2 Absent these fee waivers, total operating expenses for Class C shares
of the Portfolios would be 1.00% for the Corporate Daily Income
Portfolio, .99% for the Government Securities Daily Income Portfolio,
1.10% for the Short-Term Mortgage Portfolio, 1.22% for the Short
Duration Mortgage Portfolio and .97% for the Short-Term Government
Portfolio.
3 Total operating expenses for the Government Securities Daily Income
Portfolio and the Short Duration Mortgage Portfolio are based on
estimated amounts for the current fiscal year.
4 Total operating expenses for the Intermediate-Term Government and GNMA
Portfolios have been restated to reflect a reduction in the fee
waivers.
EXAMPLE
<TABLE>
<CAPTION>
- ---------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
An investor would pay the following expenses on a $1,000 investment assuming
(1) a 5% annual return and (2) redemption at the end of each time period:
1 YR. 3 YRS. 5 YRS. 10 YRS.
----- ------ ------ -------
Corporate Daily Income Portfolio $ 9 $27 $47 $105
Government Securities Daily Income Portfolio $ 9 $27 $47 $105
Short-Term Mortgage Portfolio $10 $30 $53 $117
Short Duration Mortgage Portfolio $10 $30 $53 $117
Short-Term Government Portfolio $10 $30 $53 $117
Intermediate-Term Government Portfolio $10 $31 $54 $119
GNMA Portfolio $10 $30 $53 $117
- ---------------------------------------------------------------------------------------------------------------------------------
</TABLE>
THE EXAMPLE SHOULD NOT BE CONSIDERED A REPRESENTATION OF PAST OR FUTURE
EXPENSES. ACTUAL EXPENSES MAY BE GREATER OR LESS THAN THOSE SHOWN.
The purpose of the expense table and example is to assist the investor in
understanding the various costs and expenses that may be directly or indirectly
borne by investors in the Portfolios. The information set forth in the
foregoing table and example relates only to the Class C shares. The Corporate
Daily Income, Short-Term Government, Intermediate-Term Government and GNMA
Portfolios also offer Class D shares, which are subject to the same expenses
except that Class D shares bear sales charges and different distribution and
transfer agent costs. A person who purchases shares through a financial
institution may be charged separate fees by that institution. Additional
information may be found under "The Manager and Shareholder Servicing Agent,"
"The Adviser" and "Distribution."
Long-term shareholders may eventually pay more than the economic equivalent of
the maximum front-end sales charges otherwise permitted by the Rules of the
NASD.
____________________________________
<PAGE> 5
In connection with the changes to the Portfolios' Distribution Plans and the
approval of shareholder servicing and administrative services plans, the
"Distribution" section on pages 19 and 20 of the Prospectus is replaced with
the following:
DISTRIBUTION AND SHAREHOLDER SERVICES.
SEI Financial Services Company (the "Distributor"), a wholly owned
subsidiary of SEI, serves as each Portfolio's distributor pursuant to
a distribution agreement (the "Distribution Agreement") with the
Trust. The Portfolios have adopted a distribution plan for their
Class D shares (the "Class D Plan") pursuant to Rule 12b-1 under the
Investment Company Act of 1940, as amended (the "1940 Act").
The Portfolios have adopted plans under which firms, including the
Distributor, that provide shareholder and administrative services may
receive compensation therefor. The Class A, B and C plans differ in a
number of ways, including the amounts that may be paid. Under each
plan, the Distributor may provide those services itself or may enter
into arrangements under which third parties provide such services and
are compensated by the Distributor. Under such arrangements the
Distributor may retain as a profit any difference between the fee it
receives and the amount it pays such third party. In addition, the
Portfolios may enter into such arrangements directly.
Under the Class A plan, a Portfolio will pay the Distributor a fee at
an annual rate of up to .25% of the average daily net assets of such
Portfolio attributable to Class A shares, in return for provision of a
broad range of shareholder and administrative services. Under the
Class B and Class C shareholder service plans, a Portfolio will pay
shareholder service fees to the Distributor at an annual rate of up to
.25% of average daily net assets in return for the Distributor's (or
its agent's) efforts in maintaining client accounts; arranging for
bank wires; responding to client inquiries concerning services
provided or investment; and assisting clients in changing dividend
options, account designations and addresses. In addition, under their
administrative services plans, Class B and Class C shares will pay
administrative services fees at specified percentages of the average
daily net assets of the shares of the Class (up to .05% in the case of
the Class B shares and up to .25% in the case of the Class C shares).
Administrative services include sub- accounting; providing information
on share positions to clients; forwarding shareholder communications
to clients; processing purchase, exchange and redemption orders; and
processing divided payments.
It is possible that an institution may offer different classes of
shares to its customers and differing services to the Classes of each
Portfolio, and thus receive compensation with respect to different
classes. Theses financial institutions may also charge separate fees
to their customers. Certain financial institutions offering shares to
their customers may be required to register as dealers pursuant to
state laws.
The Distributor may, from time to time in its sole discretion,
institute one or more promotional incentive programs, which will be
paid by the Distributor from its own resources. Under any such
program, the Distributor will provide promotional incentives, in the
form of cash or other compensation, including merchandise, airline
vouchers, trips and vacation packages, to all dealers selling shares
of the Portfolios. Such promotional incentives will be offered
uniformly to all dealers and predicated upon the amount of shares of
the Portfolios sold by the dealer.
____________________________________
PLEASE RETAIN THIS SUPPLEMENT FOR FUTURE REFERENCE
<PAGE> 6
SEI DAILY INCOME TRUST
CORPORATE DAILY INCOME PORTFOLIO
SHORT-TERM GOVERNMENT PORTFOLIO
INTERMEDIATE-TERM GOVERNMENT PORTFOLIO
GNMA PORTFOLIO
SUPPLEMENT DATED MAY 1, 1996 TO
THE CLASS D PROSPECTUS
DATED MAY 31, 1995
THIS SUPPLEMENT TO THE PROSPECTUS SUPERSEDES AND REPLACES ANY EXISTING
SUPPLEMENTS TO THE PROSPECTUS. THIS SUPPLEMENT PROVIDES NEW AND ADDITIONAL
INFORMATION BEYOND THAT CONTAINED IN THE PROSPECTUS, AND SHOULD BE READ IN
CONJUNCTION WITH SUCH PROSPECTUS.
At a meeting held on March 18, 1996, the Trustees reduced the payments
available under the existing Rule 12b-1 Distribution Plan to an amount not to
exceed .30% by eliminating the reimbursement component of the Plan. These new
arrangements are to be effective as of May 1, 1996. Payments made under the
Plan are characterized as compensation, and are not directly tied to
distribution expenses incurred by the Distributor. As a result of this change,
effective May 1, 1996, the following "Shareholder Transaction Expenses" table
replaces the table on page 4 of the Prospectus:
SHAREHOLDER TRANSACTION EXPENSES (as a percentage of offering price)
<TABLE>
<CAPTION>
- ---------------------------------------------------------------------------------------------------------------------------------
CORPORATE SHORT-TERM INTERMEDIATE-TERM
DAILY GOVERNMENT GOVERNMENT GNMA
INCOME PORTFOLIO PORTFOLIO PORTFOLIO PORTFOLIO
---------------- --------- --------- ---------
<S> <C> <C> <C> <C>
Maximum Sales Charge Imposed on Purchases 3.50% 3.50% 3.50% 4.50%
Maximum Sales Charge Imposed on
Reinvested None None None None
Dividends None None None None
Redemption Fees1
- ---------------------------------------------------------------------------------------------------------------------------------
</TABLE>
ANNUAL OPERATING EXPENSES (as a percentage of average net assets)
<TABLE>
<S> <C> <C> <C> <C>
Management/Advisory Fees (after fee waiver)2 .30% .42% .44% .41%
12b-1 Fees3 .25% .25% .25% .25%
Other Expenses .20% .18% .19% .19%
- --------------------------------------------------------------------------------------------------------------------------------
Total Operating Expenses (after fee waiver)4 .75% .85% .88%5 .85%5
- --------------------------------------------------------------------------------------------------------------------------------
</TABLE>
1. A charge, currently $10.00, is imposed on wires of redemption proceeds
of the Portfolio's Class D shares.
2. The Manager has waived, on a voluntary basis, a portion of its fee,
and the Management/Advisory fees shown reflect this voluntary waiver.
The Manager reserves the right to terminate its waiver at any time in
its sole discretion. Absent such waiver, the Management/Advisory fees
would be .45% for the Corporate Daily Portfolio and .44% for the
Short-Term Government Portfolio. The Portfolios' Management/Advisory
fees have been restated to reflect reductions in fee waivers.
3. The Distributor has waived, on a voluntary basis, all or a portion of
its 12b-1 fee, and the 12b-1 Fees shown reflect this waiver. The
Distributor reserves its right to terminate this waiver at any time in
its sole discretion. Absent such waiver, 12b-1 Fees would be .30% for
each Portfolio.
4. Absent these fee waivers, the total operating expenses would be .95%,
.92%, .93% and .90% for the Corporate Daily Income, Short-Term
Government, Intermediate-Term Government and GNMA Portfolios,
respectively.
5. Total operating expenses for the Intermediate-Term Government and GNMA
Portfolios have been restated to reflect a reduction in the fee
waivers.
<PAGE> 7
EXAMPLE
<TABLE>
<CAPTION>
- ---------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
An investor in a Portfolio would pay the following expenses on a $1,000
investment assuming
(1) the imposition of the maximum sales charge, (2) a 5% annual return and (3)
redemption at the end of each time period: 1 YR. 3 YRS. 5 YRS. 10 YRS.
----- ------ ------ -------
$42 $58 $75 $125
Corporate Daily Income Portfolio $43 $61 $80 $136
Short-Term Government Portfolio $44 $62 $82 $140
Intermediate-Term Government Portfolio $53 $71 $90 $145
GNMA Portfolio
- ---------------------------------------------------------------------------------------------------------------------------------
</TABLE>
THE EXAMPLE SHOULD NOT BE CONSIDERED A REPRESENTATION OF PAST OR FUTURE
EXPENSES. ACTUAL EXPENSES MAY BE GREATER OR LESS THAN THOSE SHOWN.
The purpose of the expenses table and example is to assist the investor in
understanding the various costs and expenses that may be directly or indirectly
borne by investors in Class D shares of each Portfolio. The information set
forth in the foregoing table and example relates only to the Class D shares.
Each Portfolio also offers Class A, Class B and Class C shares, which are
subject to the same expenses, except that there are no sales charges, different
distribution and shareholder servicing costs and no transfer agent costs. A
person who purchases shares through an account with a financial institution may
be charged separate fees by that institution. Additional information may be
found under "The Manager and Shareholder Servicing Agent," "Distribution" and
"The Adviser."
The rules of the Securities and Exchange Commission require that the maximum
sales charge be reflected in the above table. However, certain investors may
qualify for reduced sales charges. See "Purchase of Shares." Long-term
shareholders may pay more than the economic equivalent of the maximum front-end
sales charges otherwise permitted by the Rules of Fair Practice of the National
Association of Securities Dealers, Inc. ("NASD").
____________________________________
In connection with the elimination of the reimbursement component of the Class
D Rule 12b-1 Plan and the elimination of the Class A, Class B and Class C
Plans, the "Distribution" section on pages 14 and 15 is amended as follows:
The second sentence of the first paragraph is amended to delete the reference
to the Class A, Class B and Class C Plans.
The following sentence is inserted at the end of the first paragraph:
The Portfolios have adopted a shareholder servicing plan for their
Class A shares (the "Class A Service Plan") and a shareholder
servicing plan and an administrative plan for each of Class B and
Class C.
The second and third paragraphs are deleted.
The first sentence of the fourth paragraph is deleted and the following
sentence is inserted:
The Class D Plan provides for payments to the Distributor at an annual
rate of .30% of the Portfolios' average daily net assets attributable
to Class D shares.
The first sentence of the fifth paragraph is deleted.
____________________________________
PLEASE RETAIN THIS SUPPLEMENT FOR FUTURE REFERENCE
2