Bond Goldman Sachs 0.639% ( US38143UPL97 ) in USD

Issuer Goldman Sachs
Market price 100 %  ▼ 
Country  United States
ISIN code  US38143UPL97 ( in USD )
Interest rate 0.639% per year ( payment 2 times a year)
Maturity 22/11/2022 - Bond has expired



Prospectus brochure of the bond Goldman Sachs US38143UPL97 in USD 0.639%, expired


Minimal amount 1 000 USD
Total amount 9 000 000 USD
Cusip 38143UPL9
Standard & Poor's ( S&P ) rating BBB+ ( Lower medium grade - Investment-grade )
Moody's rating A2 ( Upper medium grade - Investment-grade )
Detailed description Goldman Sachs is a leading global investment banking, securities, and investment management firm that provides a wide range of financial services to corporations, governments, and high-net-worth individuals.

The Bond issued by Goldman Sachs ( United States ) , in USD, with the ISIN code US38143UPL97, pays a coupon of 0.639% per year.
The coupons are paid 2 times per year and the Bond maturity is 22/11/2022

The Bond issued by Goldman Sachs ( United States ) , in USD, with the ISIN code US38143UPL97, was rated A2 ( Upper medium grade - Investment-grade ) by Moody's credit rating agency.

The Bond issued by Goldman Sachs ( United States ) , in USD, with the ISIN code US38143UPL97, was rated BBB+ ( Lower medium grade - Investment-grade ) by Standard & Poor's ( S&P ) credit rating agency.







Prospectus Supplement No. 614 dated November 15, 2010
Page 1 of 30
424B2 1 d424b2.htm PROSPECTUS SUPPLEMENT NO. 614 DATED NOVEMBER 15, 2010
Table of Contents
Filed Pursuant to Rule 424(b)(2)
Registration Statement No. 333-154173
Prospectus Supplement to the Prospectus dated April 6, 2009,
and the Prospectus Supplement dated April 6, 2009 -- No. 614

The Goldman Sachs Group, Inc.


Medium-Term Notes, Series D



$9,000,000

Fixed and Floating Swap Rate-Linked Notes due 2022


(Linked to the 10-year USD Swap Rate)


We will pay a fixed rate of interest at a rate of 3.50% per annum quarterly on February 22, May 22, August 22 and November 22 of each year,
commencing on February 22, 2011. After May 22, 2013, interest will be payable quarterly on February 22, May 22, August 22 and November 22 of each
year, commencing on August 22, 2013 to, and including, the stated maturity date, at a floating rate equal to the then-applicable 10-year U.S. dollar interest
rate swap rate (which we refer to as the reference rate). The interest rate for every interest payment date after May 22, 2013 will be capped at the
maximum rate (12% per annum). On the stated maturity date, you will also receive $1,000 for each $1,000 of your face amount.
The interest on your notes for the interest periods commencing on November 22, 2010 to, but excluding, May 22, 2013 will be a rate equal to
3.50% per annum.
The interest on your notes for the interest periods commencing on May 22, 2013 to, but excluding, the stated maturity date, which we refer to as the
"floating rate interest period", will be a rate equal to:

· if the reference rate on the interest determination date for an interest period is less than the maximum rate, the reference rate on such interest

determination date; or


· if the reference rate on the interest determination date for an interest period is equal to or greater than the maximum rate, the maximum rate.
For the interest periods commencing on August 22, 2013 and ending on the stated maturity date, even if the reference rate on an interest
determination date is greater than the maximum rate per annum, the notes will accrue only 12% per annum in the applicable interest period.

Original issue date:

November 22, 2010

Underwriting discount:

2.975% of the face amount
Original issue price:

100% of the face amount

Net proceeds to issuer:

97.025% of the face amount
The issue price, underwriting discount and net proceeds listed above relate to the notes we sell initially.
Because we have provided only a brief summary of the terms of your notes above, you should read the detailed description of the terms of the notes
found in "Specific Terms of Your Notes" on page S-2, as well as the "Additional Risk Factors Specific to Your Notes" on page S-6.
In addition, assuming no changes in market conditions or our creditworthiness and other relevant factors, the market value of your notes
on the trade date (as determined by reference to pricing models used by Goldman, Sachs & Co. and taking into account our credit spreads) is,
and the price you may receive for your notes may be, significantly less than the original issue price. The value or quoted price of your notes at
any time will reflect many factors and cannot be predicted; however, the price at which Goldman, Sachs & Co. would initially buy or sell notes
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Prospectus Supplement No. 614 dated November 15, 2010
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(if Goldman, Sachs & Co. makes a market) and the value that Goldman, Sachs & Co. will initially use for account statements and otherwise
will significantly exceed the value of your notes using such pricing models. We encourage you to read "Additional Risk Factors Specific to
Your Notes" on page S-6 of this prospectus supplement so that you may better understand those risks.
Neither the Securities and Exchange Commission nor any other regulatory body has approved or disapproved of these securities or
passed upon the accuracy or adequacy of this prospectus supplement. Any representation to the contrary is a criminal offense.
The notes are not bank deposits and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency, nor
are they obligations of, or guaranteed by, a bank.
Goldman Sachs may use this prospectus supplement in the initial sale of the offered notes. In addition, Goldman, Sachs & Co., or any other affiliate of
Goldman Sachs may use this prospectus supplement in a market-making transaction in a note after its initial sale. Unless Goldman Sachs or its agent
informs the purchaser otherwise in the confirmation of sale, this prospectus supplement is being used in a market-making transaction.
Goldman, Sachs & Co.

Prospectus Supplement dated November 15, 2010.
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Table of Contents
SPECIFIC TERMS OF YOUR NOTES

We refer to the notes we are offering by this prospectus supplement as the "offered notes" or the "notes". Please note that in this prospectus
supplement, references to "The Goldman Sachs Group, Inc.", "we", "our" and "us" mean only The Goldman Sachs Group, Inc. and do not include
its consolidated subsidiaries. Also, references to the "accompanying prospectus" mean the accompanying prospectus, dated April 6, 2009, as
supplemented by the accompanying prospectus supplement, dated April 6, 2009, relating to Medium-Term Notes, Series D, of The Goldman
Sachs Group, Inc. Please note that in this section entitled "Specific Terms of Your Notes", references to "holders" mean those who own notes
registered in their own names, on the books that we or the trustee maintain for this purpose, and not those who own beneficial interests in notes
registered in street name or in notes issued in book-entry form through The Depository Trust Company. Please review the special considerations
that apply to owners of beneficial interests in the accompanying prospectus, under "Legal Ownership and Book-Entry Issuance".
Key Terms

Issuer: The Goldman Sachs Group, Inc.


Fixed interest rate: for each fixed rate interest period, interest on the
Face amount: each note will have a face amount equal to $1,000;
notes will be 3.50% per annum
$9,000,000 in the aggregate for all the offered notes; the aggregate
face amount of the offered notes may be increased if the issuer, at its
Fixed rate interest payment dates: quarterly on each
sole option, decides to sell an additional amount of the offered notes
February 22, May 22, August 22 and November 22, commencing on
on a date subsequent to the date of this prospectus supplement but
February 22, 2011 to, and including, May 22, 2013
prior to the settlement date
Fixed rate interest periods: quarterly; the periods from and including
Reference rate: the 10-Year U.S. Dollar Interest Rate Swap (the 10-
a fixed rate interest payment date (or the original issue date, in the
Year CMS rate) as it appears on Reuters page ISDAFIX3 (or any
case of the first fixed rate interest period) to, but excluding, the
successor or replacement service or page) at 11:00 a.m., New York
following fixed rate interest payment date, ending on May 22, 2013
time, on any rate business day, subject to adjustments as described
under "Reference Rate" on page S-11
Floating interest rate: for each floating rate interest period, interest
on the notes will be the then-applicable reference rate, determined on
Stated maturity date: November 22, 2022
the relevant interest determination date, subject to the following:

Trade date: November 15, 2010
· if the reference rate on an interest determination date is less

than the maximum rate, the reference rate on such interest
Original issue date (settlement date): November 22, 2010
determination date will apply; or

· if the reference rate on an interest determination date is equal
Specified currency: U.S. dollars ("$")

to or greater than the maximum rate, the maximum rate will
Denominations: $1,000 or integral multiples of $1,000 in excess
apply
thereof
Floating rate interest payment dates: quarterly on each
February 22, May 22, August 22 and November 22, commencing on
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August 22, 2013 and ending on the stated maturity date
Original issue discount notes: the notes will be treated as issued
with de-minimis original issue discount for tax purposes
Form of notes: global form only


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Table of Contents

Floating rate interest periods: quarterly; the periods from and

closed for the entire day for purposes of trading in US government
including the final fixed rate interest payment date to, but excluding,
securities
the next succeeding floating rate interest payment date (or the stated
maturity date, in the case of the final floating rate interest period)
Interest regular record dates: the business day immediately
preceding each interest payment date
Maximum rate: 12% per annum
Defeasance: not applicable
Initial reference rate: the reference rate in effect on May 18, 2013;
provided, however, that if the calculation agent cannot determine the
No listing: the notes will not be listed or displayed on any securities
reference rate as described on page S-11 under "Reference Rate",
exchange or interdealer market quotation system
then the initial reference rate will be 3.50%
No redemption: the notes will not be subject to redemption right or
Business day convention: following unadjusted; applicable to
price dependent redemption right
interest payment dates and interest reset dates
Business day: New York
Interest determination dates: the second rate business day
preceding the applicable interest reset date. The calculation agent will
Conflicts of interest: Goldman, Sachs & Co. is an affiliate of The
determine the floating interest rate for each applicable floating rate
Goldman Sachs Group, Inc. and, as such, has a "conflict of interest"
interest period. Once determined by the calculation agent, the
in this offering within the meaning of NASD Rule 2720. Consequently,
applicable floating interest rate for each quarterly floating rate interest
the offering is being conducted in compliance with the provisions of
period will apply from and including the interest reset date, to, but
Rule 2720. Goldman, Sachs & Co. is not permitted to sell notes in this
excluding, the next interest reset date
offering to an account over which it exercises discretionary authority
without the prior specific written approval of the account holder
Interest reset dates: each February 22, May 22, August 22 and
November 22, commencing on May 22, 2013
Calculation agent: Goldman, Sachs & Co.
Day count fraction: 30/360 (ISDA)
CUSIP no.: 38143UPL9
Rate business day: any day except for a Saturday, Sunday or a day
ISIN no.: US38143UPL97
on which The Securities Industry and Financial Markets Association
FDIC: the notes are not bank deposits and are not insured by the
(formerly known as The Bond Market Association) recommends that
Federal Deposit Insurance Corporation or any other governmental
the fixed income departments of its members be
agency; nor are they obligations of, or guaranteed by, a bank


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Table of Contents

HYPOTHETICAL EXAMPLES

The following table is provided for purposes of illustration only. It


should not be taken as an indication or prediction of future investment
results and is intended merely to illustrate the method we will use to
The following table illustrates the method we will use to calculate
calculate the amount of interest accrued during each interest period
the interest rate at which interest will accrue on each day included in
following the tenth interest period.
each interest period, subject to the key terms and assumptions below.
The table below is based on reference rates that are entirely
The percentage amounts in the left column of the table below
hypothetical; no one can predict what the reference rate will be on
represent hypothetical final reference rates on a given interest
any day during the term of your notes, and no one can predict the
determination date. The center and right columns of the table below
interest that will accrue on your notes in any interest period during the
represent the hypothetical interest, as a percentage of the face
term of your notes. The reference rate has been highly volatile --
amount of each note, that would be payable on a given interest
meaning that it has changed substantially in relatively short periods --
payment date, based on the corresponding hypothetical reference
in the past and it cannot be predicted for any future period.
rate. Thus, a hypothetical interest payment amount of 8.00% per
annum with respect to a given interest payment date means that the
For these reasons, the actual reference rate, as well as the
value of the cash payment that we would deliver for each $1,000 of
interest payable at each interest payment date, may bear little relation
the outstanding face amount of the offered notes on such interest
to the hypothetical table shown below or to the historical reference
payment date would equal 8.00% per annum of the face amount of a
rate shown elsewhere in this prospectus supplement. For information
note.
about the reference rate during recent periods, see "Reference Rate
-- Historical Levels of the Reference Rate" on page S-11. Before
The information in the table also reflects the key terms and
investing in the offered notes, you should consult publicly available
assumptions in the box below.
information to determine the reference rate between the date of this

prospectus supplement and the date of your purchase of the offered
Key Terms and Assumptions

notes.
Face amount
$1,000

Maximum rate
12% per annum
Also, the hypothetical examples shown below do not take into
account the effects of applicable taxes.


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Table of Contents

Hypothetical per annum interest amount
Hypothetical reference rate
payable on an interest payment date
On or after August 22,
2013 to the stated

Before August 22, 2013
maturity date
0.00%
3.50%
0.00%
2.00%
3.50%
2.00%
4.00%
3.50%
4.00%
6.00%
3.50%
6.00%
8.00%
3.50%
8.00%
10.00%
3.50%
10.00%
12.00%
3.50%
12.00%*
14.00%
3.50%
12.00%*
* Interest is capped at the maximum rate of 12% per annum for the interest payment dates on or after August 22, 2013.
Payments on the notes are economically equivalent to the amounts that would be paid on a combination of other instruments. For example,
payments on the notes are economically equivalent to the amounts that would be paid on a combination of an interest-bearing bond bought, and an
option bought, by the holder (with an implicit option premium paid over time by the holder). The discussion in this paragraph does not modify or affect
the terms of the notes or the United States income tax treatment of the notes, as described elsewhere in this prospectus supplement.

We cannot predict the actual reference rate on any day or the market value of your notes, nor can we predict the relationship between
the reference rate and the market value of your notes at any time prior to the stated maturity date. The actual interest payment that a
holder of the offered notes will receive at each interest payment date and the rate of return on the offered notes will depend on the
actual reference rate determined by the calculation agent on each interest determination date. Moreover, the assumptions on which the
hypothetical table is based may turn out to be inaccurate. Consequently, the interest amount to be paid in respect of your notes on
each interest payment date may be very different from the information reflected in the table above.


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Table of Contents

ADDITIONAL RISK FACTORS SPECIFIC TO YOUR NOTES

An investment in your notes is subject to the risks described below. Your notes are a riskier investment than ordinary debt securities. You should
carefully consider whether the offered notes are suited to your particular circumstances.

Assuming No Changes in Market Conditions or Any Other Relevant


Factors, the Value of Your Notes on the Trade Date (As Determined
Furthermore, if you sell your notes, you will likely be charged a
by Reference to Pricing Models Used by Goldman, Sachs & Co.) Is,
commission for secondary market transactions, or the price will likely
and the Price You May Receive for Your Notes May Be,
reflect a dealer discount.
Significantly Less than the Original Issue Price
There is no assurance that Goldman, Sachs & Co. or any other
The price at which Goldman, Sachs & Co. would initially buy or sell
party will be willing to purchase your notes; and, in this regard,
notes (if Goldman, Sachs & Co. makes a market) and the value that
Goldman, Sachs & Co. is not obligated to make a market in the notes.
Goldman, Sachs & Co. will initially use for account statements and
See "-- Your Notes May Not Have an Active Trading Market" below.
otherwise will significantly exceed the value of your notes using such
pricing models.
The Amount of Interest Payable On The Notes In Certain Interest
The value or quoted price of your notes at any time, however, will
Periods Is Capped
reflect many factors and cannot be predicted. If Goldman Sachs makes
For each interest period commencing on or after May 22, 2013, on
a market in the notes, the price quoted by Goldman, Sachs & Co. would
the applicable interest determination date, the reference rate will be
reflect any changes in market conditions and other relevant factors,
subject to the maximum rate, which will limit the amount of interest you
including a deterioration in our creditworthiness or perceived
may receive on each interest payment date. Thus, you will not benefit
creditworthiness whether measured by our credit ratings or other credit
from any increases in the reference rate above the maximum rate.
measures. These changes may adversely affect the market price of your
Accordingly, the notes may provide more or less interest income than an
notes, including the price you may receive for your notes in any market
investment in a similar instrument.
making transaction. In addition, even if our creditworthiness does not
decline, the value of your notes on the trade date is significantly less
We May Sell an Additional Aggregate Face Amount of the Notes at
than the original issue price taking into account our credit spreads on
a Different Issue Price
that date. The quoted price (and the value of your notes that Goldman,
Sachs & Co. will use for account statements or otherwise) could be
At our sole option, we may decide to sell an additional aggregate
higher or lower than the original issue price, and may be higher or lower
face amount of the notes subsequent to the date of this prospectus
than the value of your notes as determined by reference to pricing
supplement but prior to the settlement date. The issue price of the notes
models used by Goldman, Sachs & Co.
in the subsequent sale may differ substantially (higher or lower) from the
issue price you paid as provided on the cover of this prospectus
If at any time a third party dealer quotes a price to purchase your
supplement.
notes or otherwise values your notes, that price may be significantly
different (higher or lower) than any price quoted by Goldman, Sachs &
If the Level of the Reference Rate Is Not Displayed on Reuters page
Co. See "-- The Market Value of Your Notes May Be Influenced by
ISDAFIX3 on the Determination Date, the Calculation Agent Will
Many Factors That Are Unpredictable and Interrelated in Complex
Determine the Reference Rate on That Day Based on Specified
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Ways" below.
Procedures

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Table of Contents
reference rate at any time other than on the interest determination date


If the level of the reference rate does not appear on Reuters page
for such interest period.
ISDAFIX3 (or any successor or replacement page) under the heading
10-year index maturity for rates at approximately 11:00 a.m., New York
The Historical Levels of the Reference Rate Are Not Indicative of
time, or shortly thereafter, on the applicable interest determination date,
the Future Levels of the Reference Rate
unless the calculation is made earlier and the rate is available from that
source at that time, then the reference rate will be determined on the
In the past, the level of the reference rate has experienced significant
basis of the mid-market semi-annual swap rate quotations provided by
fluctuations. You should note that historical levels, fluctuations and
five leading third-party swap dealers in the New York interbank market
trends are not necessarily indicative of future levels of the reference
at approximately 11:00 a.m., New York time, on the applicable interest
rate. Any historical upward or downward trend in the level of the
determination date. The calculation agent will select the five third-party
reference rate is not an indication that the level of the reference rate is
swap dealers in its sole discretion and will request the principal New
more or less likely to increase or decrease at any time during the life of
York office of each of those dealers to provide a quotation of its rate. If
your notes, and you should not take the historical levels of the reference
at least three such quotations are provided, the reference rate for such
rate as an indication of its future performance.
rate business day will be the arithmetic mean of the quotations,
eliminating the highest and lowest quotations or, in the event of equality,
The Market Value of Your Notes May Be Influenced by Many
one of the highest and one of the lowest quotations. If two quotations
Factors That Are Unpredictable and Interrelated in Complex Ways
are provided as requested, the reference rate for such rate business day
When we refer to the market value of your notes, we mean the value
will be the arithmetic mean of the quotations. If one quotation is provided
that you could receive for your notes if you chose to sell it in the open
as requested, the reference rate for such rate business day will be such
market before the stated maturity date. A number of factors, many of
quoted rate. If no quotations are provided as requested, the calculation
which are beyond our control, will influence the market value of your
agent will determine the reference rate in a manner it considers
notes, including:
appropriate in its sole discretion. See "Reference Rate" below for a

discussion of the procedures that the calculation agent will follow in
· the reference rate;
order to determine the reference rate.

· the volatility -- i.e., the frequency and magnitude of changes in the
level of the reference rate;
The Amount of Interest Payable on Your Notes Will Not Be Affected

· economic, financial, regulatory, political, military and other events that
by the Reference Rate on Any Day Other Than an Interest
affect interest rates generally;
Determination Date

For each interest period commencing on or after May 22, 2013, the
· interest rates and yield rates in the market;

amount of interest payable on each interest payment date is calculated
· the time remaining until your notes mature; and
based on the reference rate on the applicable interest determination

· our creditworthiness, whether actual or perceived, and including
date. Although the actual reference rate on an interest payment date
actual or anticipated upgrades or downgrades in our credit ratings or
may be higher than the reference rate on the applicable interest
changes in other credit measures.
determination date, you will not benefit from the
These factors, and many other factors, will influence the price you will
receive if you sell your notes before maturity, including the price you
may receive for your notes in any market making transaction. If you sell
your notes before maturity,
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