75% of the Initial Commodity Value), a Downside Trigger Event will occur, and the payoff at maturity will be fully exposed to the depreciation of the Reference Commodity on the Final Valuation Date, which means that you will lose some or all of your initial principal investment in the Notes. Under such circumstance, for each 1.00% difference

y does not depreciate by more than 21.25% against its Initial Commodity Value on the Final Valuation Date. However, if the Final Commodity Value of the Reference Commodity on the Final Valuation Date is less than the Downside Trigger Reference Value (which reflects 78.75% of the Initial Commodity Value), a Downside Trigger Event will occur, and