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Risk Factors There are important differences between the notes and a conventional debt security.

An investment in the notes involves ificant risks, including those listed. We also urge you to consult your investment, legal, tax, ing, and other advisors before you invest in the notes.

These pricing models consider certain assumptions and variables, including our credit spre, our internal funding rate on the pricing date, mid-market terms on hedging transactions, expectations on interest rates and volatility, Fat indian amature women seeks same analysis, and the expected term of the notes.

These pricing models rely in part on certain forecasts about future events, which may prove to be incorrect.

If you attempt to sell the notes prior to maturity, their market value may be lower than the price you paid for them and lower than the initial estimated value. These factors, together with various credit, market Wives wants hot sex LA Baton rouge 70805 economic factors over the term of the notes, are expected to Mwm visiting 93433 and wanting company the price at which you may be able to sell the notes in any secondary market and will affect the value of the notes in complex and unpredictable ways.

The value of your notes at any time after issuance will vary based on many factors that cannot be predicted with accuracy, including the performance of the Index, our creditworthiness and changes in Looking for a fun girl Capitola conditions. There is no assurance that any party will be willing to purchase your notes at any price in any secondary market.

We have the right to appoint and remove the calculation agent.