regulatory authority has approved or disapproved of the Notes or the guarantee or passed upon the accuracy or adequacy of this Pricing Supplement, the Product Supplement and the Offering Memorandum. Any representation to the contrary is a criminal offense. The Notes are not, and will not be, rated by any nationally

a regulatory authority has approved or disapproved ol the Notes or the guarantee or passed upon the accuracy or adequacy of this Pricing Supplement, the Product Supplement and the Offering Memorandum. Any representation to the contrary is a criminal offense. The Notes are not, and will not be. rated by any nationally

of the Notes in light of your investment objectives, risk appetite and the information (including risk factors) set out in this Pricing Supplement, the Product Supplement and the Offering Memorandum. The Notes may not be suitable for you and, therefore, you, with your advisors, should make a complete investigation in

of a Change in Law Disruption Event, which could adversely affect your return (if any) on the Notes' and -Description of the Notes—Change in Law- in the Product Supplement. The Relevant Exchange has no obligation to consider your interests The Relevant Exchange is responsible for calculating the official settlement pr