Specific Terms of the Notes: - CUSIP 78423EllS6 U578423EH563 Reference Commodity: Generic First Crude 01. West Texas Intermediate ('WTI Crude) (Bloomberg Ticker CL1 <Comdly>) Relevant Exchange: New York Mercantile Exchange, Inc. (the "NYNEX') Calculation Agent: Societe Generale Placement Agent: JP Morgan Secu