he supplemental prospectus of an actual offering by Royal Bank of Canada states the following:

Reference Asset:	SGI Smart Market Neutral Commodity Index (USD Excess Return) (Bloomberg Ticker: SGICVMX). For a description of the Reference Asset, please see the section below, The Reference Asset.
Specified Currency:	U.S. Dollars
Minimum Investment:	$1,000
Denomination:	$1,000
Pricing Date:	January 26, 2010
Issue Date:	January 29, 2010
CUSIP:	78008HTY6
Interest Payable:	None
Payment at Maturity (if held to maturity):	The Payment at Maturity will be calculated as follows:
	1. If the Reference Asset Performance is greater than 0%, then you will receive an amount equal to: Principal Amount + [(Principal Amount Reference Asset Performance)] Participation Rate 2. If the Reference Asset Performance is less than or equal to 0%, then you will receive an amount equal the principal amount of your notes.
Reference Asset Performance:	The Reference Asset Performance, expressed as a percentage and rounded to four decimal places, will be calculated using the following formula:
Final Level Initial Level Initial Level
Participation Rate:	100%
Initial Level:	109.0694
Term:	Approximately five (5) years

1. What type of structured note is this?

2. What is the payment at maturity per $1000 principal amount if the value of the reference index at maturity is 105?

3. What is the payment at maturity per $1000 principal amount if the value of the reference index at maturity is 150?

4. What are the risks associated with investing in this structured note?