pecific terms ol the Notes are provided herein. If the terms described herein are different or inconsistent with those described in the accompanying Product Supplement or the Offering Memorandum, the terms described herein shall control. Capitalized terms used in this pricing supplement, but not defined herein, sha

with the more detailed information that is contained in (i) this Pricing Supplement, (ii) the "Description of the Notes" section in the accompanying Product Supplement and (iii) the "Description of the Notes"section in the accompanying Offering Memorandum. What are the Notes? The Notes are senior unsecured obliga

urs. You should carefully consider, among other things, the matters set forth under "Risk Factors" in this Pricing Supplement, and the accompanying Product Supplement and Offering Memorandum, as the Notes involve risks not associated with conventional debt securities. We urge you to consult your investment, legal

lly relating to the Reference Commodity Please refer to the section "Risk Factors — Risks relating to each Reference Commodity" in the accompanying Product Supplement for additional risk factors relating to the Reference Commodity. Tax Treatment There is no direct legal authority as to the proper tax treatment of

may be no secondary market for the Notes; Potential illiquidity of the secondary marker and "Supplemental Plan of Distribution" in the accompanying Product Supplement. CERTAIN ERISA CONSIDERATIONS For a discussion of the benefit plan investor consequences related to the Notes, see "Benefit Plan Investor Consider