Common use of Statements in the Prospectus Clause in Contracts

Statements in the Prospectus. The statements set forth in the Prospectus under the caption “Description of Debt Securities” and “Description of the Notes We May Offer”, insofar as they purport to constitute a summary of the terms of the Notes, under the caption “United States Federal Taxation”, and under the caption “Plan of Distribution”, insofar as they purport to describe the provisions of the laws and documents referred to therein, and the statements covering the same items in any pricing supplement, are accurate and complete.

Statements in the Prospectus. The statements set forth in the Prospectus under the caption “Description of Debt Securities” and “Description of the Notes We May OfferNotes”, insofar as they purport to constitute a summary of the terms of the Notes, under the caption “United States Federal Taxation”, and under the caption “Plan of Distribution”, insofar as they purport to describe the provisions of the laws and documents referred to therein, and the statements covering the same items in any pricing supplement, are accurate and complete.