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Your investment in the securities may result in a loss. The value of the SX5E depends upon the stocks of companies located within the Eurozone, and thus involve risks associated with the home countries of those non-U. The securities will not be adjusted for changes in exchange rates. The price to public takes into account certain costs. Additionally, the IRS has announced that withholding under the Foreign Account Tax Compliance Act as discussed in the prospectus supplement on payments of gross proceeds from a sale or redemption of the securities will only apply to payments made after December 31, Description of Preferred Stock. If you were to sell your securities in the secondary market, if any, the price you would receive for your securities may be less than the price you paid for them because secondary market prices will not take into account these costs. If the terms of the securities offered hereby are inconsistent with those described in the accompanying prospectus supplement, prospectus or Equity Index Underlying Supplement, the terms described in this free writing prospectus shall control. You should consider carefully whether the securities are suitable to your investment goals.

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