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Start with a disk in the zero-handle and attach two untwisted bands passing through the two one-handles. The four passages around its boundary occur in the order $x,y,x^{-1},y^{-1}$, giving an embedded once-punctured torus whose boundary is the attaching circle of the two-handle. Push its interior into the existing four-dimensional handlebody, keeping its boundary on the attaching locus, and cap it with the core disk of a handle. The matching product framing makes the union smooth after rounding its corner. This gives an embedded closed torus $T\subset W$.

The torus uses the core of the two-handle exactly once. Equivalently, it intersects that handle's relative co-core disk transversely in one point. Its cellular two-chain is therefore the generator of $C_2=\mathbb{Z}$, which is a cycle and is not a boundary because there are no three-cells. ThusThis is the zero section in the commutator handlebody of the torus $T^2\times D^2$.