ference Value: 83.07, which is 78.75% of the Initial Commodity Value. - Commodity Performance: The quotient of (i) the Final Commodity Value minus the Initial Commodity Value divided by (ii) the Initial Commodity Value. expressed as a percentage, as determined by the Calculation Agent. - Initial Commodity Value: 105.49.

odity, WTI Crude. The Commodity Performance reflects the averaged performance of the settlement price of WTI Crude, expressed as a percentage, from the Initial Commodity Value to the Final Commodity Value (which reflects the arithmetic average of the Closing Values of the Reference Commodity on each of the five Final Aver

AIN INVESTOR SUITABILITY / RISK CONSIDERATIONS Generic Fist Crude 01. West Texas Intermediate ('wn Chyle') (EbOmberg Tcker CL1 cConOtys) 78 75% of the Initial Commodity Value 10% 103% ADM/4,13'41y 53 weelc 106 49 Anthmetic average of the 5 Clor-eng Valuers of the Reterence COmmOdily on July 25 and July 28.31. 2014 F

■ You do not believe the Reference Commodity will appreciate, on an averaged basis, over the Final Averaging Dates, as compared to the Initial Commodity Value. ■ You anticipate that on the Final Valuation Date, the Final Commodity Value (being equal to the arithmetic average of the Closing Values of the

Commodity, being equal to the arithmetic average of the Closing Values of the Reference Commodity on each of the Final Averaging Dates, is less than the Initial Commodity Value by more than 21.25%), your entire principal investment will be exposed to the depreciation of the Reference Commodity over the term of the Notes. I

r affiliate, Societe Generale, to act as Calculation Agent for the Notes. As Calculation Agent, Societe Generale will determine, among other things, the Initial Commodity Value, the Closing Value and Final Commodity Value of the Reference Commodity, the Commodity Performance, whether or not a Downside Trigger Event has occ