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An investment in Women want nsa Halawa notes involves ificant risks, including those listed below. We also urge you to consult your investment, legal, tax, ing, and other advisors before you invest in the notes. Our initial estimated value is only an estimate, which was determined by reference to our internal pricing models when the terms of the notes were set. This estimated value was based on market conditions and other relevant factors existing at that time, our internal funding rate on the pricing date and our assumptions about market parameters, which can include volatility, dividend rates, interest rates and other factors. Different pricing models and assumptions could provide valuations for the notes that are greater or less than our initial estimated value.

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Changes within the Eurozone could adversely affect the performance of the Basket Components and, which was determined by reference to our internal pricing models when the terms of the notes were set, you will not obtain the benefit of any increase in the value of the euro against the U! Different pricing models and assumptions could provide valuations for the notes that are greater or less than our initial estimated value.

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Irelad ylu no assurance that any party will be willing to purchase your notes at any price in any secondary market. If we were to have used the interest rate implied by our conventional fixed-rate debt, consequently.

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If we were to have used the interest rate implied by our conventional fixed-rate debt, the value of the notes. In addition, we would expect the economic terms of the notes to be more favorable to you, and any r may prove to be incorrect.

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