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Therefore, there may be little or no secondary market for the securities. Investors are advised to exercise caution in relation to the offer. You should not invest in the securities if you seek current income during the term of the securities. The securities offer the potential for automatic early redemption at a premium following an interim valuation date if the closing value of the worst performing underlying on that interim valuation date is greater than or equal to its premium threshold value specified below. Any securities referred to herein may not be registered with any regulator, regulatory body or similar organization or institution in any jurisdiction. An investment in the securities is significantly riskier than an investment in conventional debt securities. If the estimated value included in this pricing supplement were based on our secondary market rate, rather than our internal funding rate, it would likely be lower. Accordingly, the securities are suitable only for investors who are capable of understanding the complexities and risks of the securities.

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