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The cash settlement amounts shown above are entirely hypothetical; they are based on market prices for the underlier stocks that may not be achieved on the averaging dates and on assumptions that may prove to be erroneous. Hypothetical Cash Settlement Amount. If you purchase your notes for a price other than the face amount, the return on your investment will differ from, and may be significantly lower than, the hypothetical returns suggested by the above examples. The closing level of the underlier has fluctuated in the past and may, in the future, experience significant fluctuations. Furthermore, if you sell your notes, you will likely be charged a commission for secondary market transactions, or the price will likely reflect a dealer discount. The chart shows that any hypothetical final underlier level expressed as a percentage of the initial underlier level of less than The return on your investment whether positive or negative in your notes will be affected by the amount you pay for your notes.

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