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Information Circular: Safety First Trust Index-Linked Notes

Similar to a fixed-income investment, an investor’s initial investment in the Notes is 100% principal protected, subject to the Issuer’s credit risk, if the investor either (i) holds the Notes to maturity or (ii) exercises its Exchange Right and holds both the Securities and the Warrants received until maturity. Because neither the Securities nor the Warrants are principal protected if held individually, if an investor exercises its Exchange Right and holds only the Securities or only the Warrants, the investor will lose the benefit of principal protection at maturity and could receive substantially less than the amount of its initial investment.