The certificate OMV Express 12 you have an annual yield opportunity of 12.5% as well as the option of early redemption. If the underlying is at or above the starting level on one of the annual valuation dates, (early) redemption is affected including interest of 12.5% per year of term. If the underlying quotes at or below the barrier at the end of term, shares are delivered; the value of the shares delivered will be significantly lower than the nominal amount of the certificate.