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EXHIBIT 1.4 Target covered call.
The solid kinked line represents the covered call position, and the thin,
straight dotted line represents owning the stock outright. At the expiration
of the call option, if Target is trading below $50 per share—the strike price
—the call expires and Isabel is left with a long position of 100 shares plus
$1.45 per share of expired-option premium. Below the strike, the buy-write
always outperforms simply owning the stock by the amount of the
premium. The call premium provides limited downside protection; the stock
Isabel owns can decline $1.45 in value to $47.97 before the trade is a loser.
In the unlikely event the stock collapses and becomes worthless, this
limited downside protection is not so comforting. Ultimately, Isabel has
$47.97 per share at risk.
The trade-off comes if Target is above $50 at expiration. Here, assignment
will likely occur, in which case the stock will be sold. The call can be
assigned before expiration, too, causing the stock to be called away early.
Because the covered call involves this obligation to sell the sock at the
strike price, upside potential is limited. In this case, Isabels profit potential
is $2.03. The stock can rise from $49.42 to $50—a $0.58 profit—plus $1.45
of option premium.
Isabel does not want the stock to decline too much. Below $47.97, the
trade is a loser. If the stock rises too much, the stock is sold prematurely and