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The EMTN 2013 base prospectus

31- Summary Element Title can only be reflected in the interest rate of these Notes upon the next periodic adjustment of the relevant reference rate... or premium] [(Insert for variable rate Notes) Notes with variable interest rates can be volatile investments... particularly short-term changes, to market interest rates evidenced by the relevant reference rate can only be reflected in the interest rate of these Notes upon the next periodic adjustment of the relevant reference rate.

Management report

exchange rate fluctuations can affect translation adjustments on the Group' s balance sheet items. financial expenses, equity and net income.

Consolidated financial statements at December 31, 2012

inflation rate, long-term discount rate, and disbursement schedules can be estimated through comparison of the gross amount estimated under year... The interest rate risk results from exposure to the risk of rate fluctuations in interest rates that can affect the value of assets invested by the Group, or its financial expenses.

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