<SEC-DOCUMENT>0000950103-22-013422.txt : 20220801
<SEC-HEADER>0000950103-22-013422.hdr.sgml : 20220801
<ACCEPTANCE-DATETIME>20220801152419
ACCESSION NUMBER:		0000950103-22-013422
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		15
FILED AS OF DATE:		20220801
DATE AS OF CHANGE:		20220801

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CREDIT SUISSE AG
		CENTRAL INDEX KEY:			0001053092
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			V8
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-238458-02
		FILM NUMBER:		221124422

	BUSINESS ADDRESS:	
		STREET 1:		PARADEPLATZ 8
		CITY:			ZURICH
		STATE:			V8
		ZIP:			8001
		BUSINESS PHONE:		01141 44 333 1111

	MAIL ADDRESS:	
		STREET 1:		P.O. BOX 1
		CITY:			ZURICH
		STATE:			V8
		ZIP:			8070

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CREDIT SUISSE / /FI
		DATE OF NAME CHANGE:	20050607

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CREDIT SUISSE FIRST BOSTON /                            /FI
		DATE OF NAME CHANGE:	19980115
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>dp177659_424b2-u6873.htm
<DESCRIPTION>FORM 424B2
<TEXT>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red">The information in this preliminary
pricing supplement is not complete and may be changed. This preliminary pricing supplement is not an offer to sell these securities and
it is not soliciting an offer to buy these securities in any jurisdiction where the offer or sale is not permitted.&nbsp;</P>

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    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: red">Subject to completion, dated  August 1, 2022</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: red"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">PRELIMINARY PRICING SUPPLEMENT No. U6873</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(To the Underlying Supplement dated June 18, 2020,</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Product Supplement No. WF-I dated July 27, 2022,</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prospectus Supplement dated June 18, 2020 and</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prospectus dated June 18, 2020)</P>
    <P STYLE="text-align: center; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 13.6pt; color: #BB0826"><B>Equity Index Linked Securities</B></P></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; white-space: nowrap; width: 49%">
    <IMG SRC="image_004.jpg" ALT=""><P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"></FONT></P>
    <P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Filed Pursuant to Rule 424(b)(2)<BR>
Registration Statement No. 333-238458-02<BR>
August 1, 2022</P></TD></TR>
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    <TD STYLE="width: 3%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 97%">
    <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with
    Contingent Coupon and Contingent Downside</B></P>
    <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest
    Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due
    August 29, 2023</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P></TD></TR>
  </TABLE>

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    <TD STYLE="width: 100%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;Linked
to the <B>lowest performing</B> of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;
</SUP>(each referred to as an &ldquo;<U>Index</U>&rdquo; and collectively as the &ldquo;<U>Indices</U>&rdquo;) &nbsp;</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;Unlike
ordinary debt securities, the securities do not provide for fixed payments of interest, do not repay a fixed amount of principal at maturity
and are subject to potential automatic call prior to maturity upon the terms described below. Whether the securities pay a contingent
coupon, whether the securities are automatically called prior to maturity and, if they are not automatically called, whether you receive
the face amount of your securities at maturity will depend in each case on the closing level of the lowest performing Index on the relevant
calculation day. The lowest performing Index on any calculation day is the Index that has the lowest closing level on that calculation
day as a percentage of its starting level&nbsp;</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;&nbsp;Contingent
Coupon.</B> The securities will pay a contingent coupon on a monthly basis until the earlier of the stated maturity date or automatic
call if, <B>and only if</B>, the closing level of the lowest performing Index on the calculation day for that month is greater than or
equal to its threshold level. However, if the closing level of the lowest performing Index on a calculation day is less than its threshold
level, you will not receive any contingent coupon for the relevant month. If the closing level of the lowest performing Index is less
than its threshold level on every calculation day, you will not receive any contingent coupons throughout the entire term of the securities.
The contingent coupon rate will be determined on the pricing date and will be at least 12.00% per annum. Contingent coupons should not
be viewed as ordinary periodic interest payments&nbsp;</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;<B>Automatic
Call.</B> If the closing level of the lowest performing Index on any of the monthly calculation days from February 2023 to July 2023,
inclusive, is greater than or equal to its starting level, the securities will be automatically called for the face amount plus a final
contingent coupon payment&nbsp;</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;<B>Potential
Loss of Principal.</B> If the securities are not automatically called prior to maturity, you will receive the face amount at maturity
if, <B>and only if</B>, the closing level of the lowest performing Index on the final calculation day is greater than or equal to its
threshold level. If the closing level of the lowest performing Index on the final calculation day is less than its threshold level, you
will lose more than 25%, and possibly all, of the face amount of your securities&nbsp;</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;The
threshold level for each Index is equal to 75% of its starting level&nbsp;</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;If
the securities are not automatically called prior to maturity, you will have full downside exposure to the lowest performing Index from
its starting level if its closing level on the final calculation day is less than its threshold level, but you will not participate in
any appreciation of any Index and will not receive any dividends on securities included in any Index&nbsp;</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;Your
return on the securities will depend solely on the performance of the Index that is the lowest performing Index on each calculation day.
You will not benefit in any way from the performance of the better performing Indices. Therefore, you will be adversely affected if <B>any
Index</B> performs poorly, even if the other Indices perform favorably&nbsp;</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;All
payments on the securities are subject to the credit risk of Credit Suisse; if Credit Suisse defaults on its obligations, you could lose
some or all of your investment&nbsp;</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;No
exchange listing; you should be willing and able to hold your securities to maturity&nbsp;</FONT></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B>The securities have complex features and investing
in the securities involves risks not associated with an investment in conventional debt securities. See &ldquo;Selected Risk Considerations&rdquo;
beginning on page PRS-9 of this pricing supplement and &ldquo;Risk Factors&rdquo; beginning on page PS-4 of the accompanying product
supplement.&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B>Neither the Securities and Exchange Commission
nor any state securities commission has approved or disapproved of the securities or passed upon the accuracy or the adequacy of this
pricing supplement or the accompanying underlying supplement, product supplement, prospectus supplement and prospectus. Any representation
to the contrary is a criminal offense.&nbsp;</B></P>

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    <TD STYLE="width: 21%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 23%; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Original Offering Price&nbsp;</B></P></TD>
    <TD STYLE="white-space: nowrap; width: 24%; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Agent Discount<SUP>(1)(2)</SUP>&nbsp;</B></P></TD>
    <TD STYLE="white-space: nowrap; width: 32%; border-bottom: Black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Proceeds to Issuer&nbsp;</B></P></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt"><B>&#9;Per Security&#9;</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 10pt">$17.50</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 10pt">$982.50</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt"><B>&#9;Total&#9;</B></FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt">&nbsp;</TD></TR>
  </TABLE>
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<TD STYLE="width: 0"></TD><TD STYLE="width: 12.25pt"><SUP>(1)</SUP></TD><TD STYLE="text-align: justify">Wells Fargo Securities, LLC (&ldquo;<U>WFS</U>&rdquo;) is the agent for the distribution of the securities.
WFS will receive an agent discount of up to $17.50 per security. The agent may resell the securities to other securities dealers at the
original offering price less a concession not in excess of $7.50 per security. Such securities dealers may include those using the trade
name Wells Fargo Advisors (&ldquo;<U>WFA</U>&rdquo;) (the trade name of the retail brokerage business of WFS affiliates, Wells Fargo Clearing
Services, LLC and Wells Fargo Advisors Financial Network, LLC). In addition to the selling concession allowed to WFA, the agent may pay
$0.75 per security of the agent discount to WFA as a distribution expense fee for each security sold by WFA. See &ldquo;Supplemental Plan
of Distribution&rdquo; in this pricing supplement for further information.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.25pt"><SUP>(2)</SUP></TD><TD STYLE="text-align: justify">Credit Suisse may pay a fee of up to $1.00 per security to selected securities dealers in consideration
for marketing and other services in connection with the distribution of the securities to other securities dealers.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B>Credit Suisse AG (&ldquo;<U>Credit Suisse</U>&rdquo;)
currently estimates the value of each $1,000 face amount of the securities on the pricing date will be between $920 and $982.50 (as determined
by reference to our pricing models and the rate we are currently paying to borrow funds through issuance of the securities (our &ldquo;<U>internal
funding rate</U>&rdquo;)). This range of estimated values reflects terms that are not yet fixed. A single estimated value reflecting final
terms will be determined on the pricing date. See &ldquo;Selected Risk Considerations&rdquo; in this pricing supplement.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><I>The securities are not deposit liabilities and
are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency of the United States, Switzerland
or any other jurisdiction.</I></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="text-align: center; margin-top: 0pt; font: 12pt Arial, Helvetica, Sans-Serif; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>Wells
Fargo Securities</B></FONT></P>

<P STYLE="margin: 0pt 0; font: 12pt Arial, Helvetica, Sans-Serif">&nbsp;</P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 86%">
    <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with
    Contingent Coupon and Contingent Downside </B></P>
    <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest
    Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due
    August 29, 2023</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD>
    <TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="margin: 0">&nbsp;</P>

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  <TR>
    <TD COLSPAN="2" STYLE="padding-top: 4pt; vertical-align: top; background-color: #688FCF; text-align: center; padding-bottom: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">
</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Terms of the Securities</B></FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2; width: 17%"><FONT STYLE="font-size: 10pt"><B>Market Measures:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt; width: 83%"><FONT STYLE="font-size: 10pt">The S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> (each referred to as an &ldquo;<U>Index</U>,&rdquo; and collectively as the &ldquo;<U>Indices</U>&rdquo;) </FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Pricing Date*:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">August 31, 2022</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Issue Date*:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">September 6, 2022</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Original Offering Price:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">$1,000 per security</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Face Amount:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">$1,000 per security. References in this pricing supplement to a &ldquo;<U>security</U>&rdquo; are to a security with a face amount of $1,000.</FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Contingent Coupon Payment:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">On each contingent coupon payment date,
    you will receive a contingent coupon payment at a per annum rate equal to the contingent coupon rate if, <B>and only if</B>, the closing
    level of the lowest performing Index on the immediately preceding calculation day is greater than or equal to its threshold level.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">Each contingent coupon payment, if any,
    will be calculated per security as follows: ($1,000 x contingent coupon rate) / 12. Any contingent coupon payment will be rounded to the
    nearest cent, with one-half cent rounded upward.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify"><B>If the closing level of the lowest
    performing Index on any calculation day is less than its threshold level, you will not receive any contingent coupon payment on the related
    contingent coupon payment date. If the closing level of the lowest performing Index is less than its threshold level on all calculation
    days, you will not receive any contingent coupon payments over the term of the securities. </B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify"></P></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Contingent Coupon Payment Dates:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">Monthly, on the third business
day following each calculation day (as each such calculation day may be postponed pursuant to &ldquo;&mdash;Market Disruption Events
and Postponement Provisions&rdquo; below, if applicable); provided that the contingent coupon payment date with respect to the final
calculation day will be the stated maturity date.</P>

    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify"></P></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Contingent Coupon Rate:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">The &ldquo;<U>contingent coupon rate</U>&rdquo; will be determined on the pricing date and will be at least 12.00% per annum. </FONT></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Automatic Call:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-bottom: 4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">If the closing level of the lowest
    performing Index on any of the calculation days from February 2023 to July 2023, inclusive, is greater than or equal to its starting
    level, the securities will be automatically called, and on the related call settlement date you will be entitled to receive a cash
    payment per security in U.S. dollars equal to the face amount plus a final contingent coupon payment. The securities will not be subject to
    automatic call until the sixth monthly calculation day, which is approximately six months after the issue date.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">If the securities are automatically
called, they will cease to be outstanding on the related call settlement date and you will have no further rights under the securities
after such call settlement date. You will not receive any notice from us if the securities are automatically called.</P></TD>
    </TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Calculation Days*:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; vertical-align: top; padding-left: 7.95pt; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">Monthly, on the 24th day of each month, commencing September 2022 and ending on the final calculation day, each subject to postponement as described below under &ldquo;&mdash;Market Disruption Events and Postponement Provisions.&rdquo; We refer to August 24, 2023 as the &ldquo;<U>final calculation day</U>.&rdquo;</FONT></TD>
    </TR>
</TABLE>

<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: white 1pt solid; border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; width: 17%; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Call Settlement Date:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; width: 83%; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">Three business days after the applicable calculation day (as each such calculation day may be postponed pursuant to &ldquo;&mdash;Market Disruption Events and Postponement Provisions&rdquo; below, if applicable).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Stated Maturity Date*:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">August 29, 2023, subject to postponement. The securities are not subject to repayment at the option of any holder of the securities prior to the stated maturity date.</FONT></TD></TR>
</TABLE>
<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding: 4pt 11pt 4pt 4pt; width: 17%">&nbsp;</TD>
    <TD STYLE="padding-top: 4pt; width: 83%; padding-bottom: 4pt">&nbsp;</TD>
    </TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->


<P STYLE="margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD ROWSPAN="3" STYLE="padding: 4pt 11pt 4pt 4pt; border-bottom: white 1pt solid; background-color: #E0E3E2; width: 15%"><FONT STYLE="font-size: 10pt"><B>Maturity Payment Amount:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt; width: 85%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">If the securities are not automatically
    called prior to maturity, you will be entitled to receive on the stated maturity date a cash payment per security in U.S. dollars equal
    to the maturity payment amount (in addition to the final contingent coupon payment, if any). The &ldquo;<U>maturity payment amount</U>&rdquo;
    per security will equal:</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 19.45pt; text-align: justify; text-indent: -12.25pt">&bull;&#9;&nbsp;&nbsp;if
    the ending level of the lowest performing Index on the final calculation day is greater than or equal to its threshold level:
    $1,000; or</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 19.45pt; text-align: justify; text-indent: -12.25pt">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 19.45pt; text-align: justify; text-indent: -12.25pt">&bull;&#9;&nbsp;&nbsp;if
    the ending level of the lowest performing Index on the final calculation day is less than its threshold level:</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 19.45pt; text-align: justify; text-indent: -12.25pt"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-left: 0.5in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">$1,000 &times; performance factor of the lowest performing Index on the final calculation day</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify"><B>If the securities are not
    automatically called prior to maturity and the ending level of the lowest performing Index on the final calculation day is less than
    its threshold level, you will lose more than 25%, and possibly all, of the face amount of your securities at maturity.</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify"><B>Any return on the securities will
    be limited to the sum of your contingent coupon payments, if any. You will not participate in any appreciation of any Index, but you will
    have full downside exposure to the lowest performing Index on the final calculation day if the ending level of that Index is less than
    its threshold level.</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">All payments on the securities are subject
    to the credit risk of Credit Suisse; if Credit Suisse defaults on its obligations, you could lose some or all of your investment.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Lowest Performing Index:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">On any calculation day, the &ldquo;<U>lowest performing Index</U>&rdquo; will be the Index with the lowest performance factor on that calculation day.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Performance Factor: </B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">With respect to an Index on any calculation day, its closing level on such calculation day <I>divided by</I> its starting level (expressed as a percentage).</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Closing Level:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 9.35pt; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">With respect to each Index, closing level has the meaning set forth under &ldquo;General Terms of the Securities&mdash;Certain Terms for Securities Linked to an Index&mdash;Certain Definitions&rdquo; in the accompanying product supplement.</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Starting Level:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify">With respect to the S&amp;P 500<SUP>&reg;</SUP>
    Index:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; , its closing level on the pricing date.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify"></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify"><BR>
    With respect to the Russell 2000<SUP>&reg;</SUP> Index:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; , its closing level on the pricing date.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify"></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify"><BR>
    With respect to the Nasdaq-100 Index<SUP>&reg;</SUP>: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, its closing level on the pricing date.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify">In the event that the closing level
    for any Index is not available on the pricing date, the starting level for such Index will be determined on the immediately following
    trading day on which a closing level is available.&nbsp;&nbsp;&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify"></P></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Ending Level:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">The &ldquo;<U>ending level</U>&rdquo; of an Index will be its closing level on the final calculation day.</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Threshold Level:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.4pt; text-align: justify">With respect to the S&amp;P 500<SUP>&reg;</SUP>
    Index:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; , which is equal to 75% of its starting level.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.4pt; text-align: justify"></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.4pt; text-align: justify"><BR>
    With respect to the Russell 2000<SUP>&reg;</SUP> Index:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; , which is equal to 75% of its starting level.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.4pt; text-align: justify"></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.55pt; text-align: justify"><BR>
    With respect to the Nasdaq-100 Index<SUP>&reg;</SUP>: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, which is equal to 75% of its starting level.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.55pt; text-align: justify">&nbsp;</P></TD></TR>
  <TR>
    <TD STYLE="border-bottom: white 1pt solid; padding: 4pt 11pt 4pt 4pt; vertical-align: top; background-color: #E0E3E2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Market
    Disruption Events and Postponement Provisions:</B></FONT></TD>
    <TD STYLE="padding: 4pt 4pt 4pt 9.55">Each calculation day is subject to postponement due to non-trading days and the occurrence of a market disruption event. In addition,
the stated maturity date will be postponed if the final calculation day is postponed and will be adjusted for non-business days. For more
information regarding adjustments to the calculation days and the stated maturity date, see &ldquo;General Terms of the Securities&mdash;Consequences
of a Market Disruption Event; Postponement of a Calculation Day&mdash;Securities Linked to Multiple Market Measures&rdquo; and &ldquo;&mdash;Payment
Dates&rdquo; in the accompanying product supplement. For purposes of the accompanying product supplement, each</TD></TR>
  </TABLE>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding: 4pt 11pt 4pt 0.1in; vertical-align: top; width: 15%; border-top: white 1pt solid; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B></B></FONT></TD>
    <TD STYLE="padding-top: 4pt; width: 85%; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt"> call settlement date and the stated maturity date is a &ldquo;payment date.&rdquo; In addition, for information regarding the circumstances that may result in a market disruption event, see &ldquo;General Terms of the Securities&mdash;Certain Terms for Securities Linked to an Index&mdash;Market Disruption Events&rdquo; in the accompanying product supplement.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 4pt 11pt 4pt 0.1in; vertical-align: top; border-top: white 1pt solid; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Calculation Agent:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">Credit Suisse International</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 4pt 11pt 4pt 0.1in; vertical-align: top; border-top: white 1pt solid; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Material Tax Consequences:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">For a discussion of the material U.S. federal income tax consequences of the ownership and disposition of the securities, see &ldquo;United States Federal Tax Considerations&rdquo; herein.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 4pt 11pt 4pt 0.1in; vertical-align: top; border-top: white 1pt solid; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Supplemental Plan of Distribution:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-bottom: 4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify"><FONT STYLE="background-color: white">Under
    the terms of the distributor accession confirmation with WFS dated as of August 1, 2016, WFS will act as agent for the securities and
    will receive an agent discount of up to $17.50 per security. The agent may resell the securities to other securities dealers at the original
    offering price of the securities less a concession not in excess of $7.50 per security. Such securities dealers may include WFA. In addition
    to the concession allowed to WFA, WFS may pay $0.75 per security of the agent&rsquo;s discount to WFA as a distribution expense fee for
    each security sold by WFA.</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">In addition, Credit Suisse may pay a
    fee of up to $1.00 per security to selected securities dealers in consideration for marketing and other services in connection with the
    distribution of the securities to other securities dealers.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify"></P></TD></TR>
  <TR>
    <TD STYLE="padding: 4pt 11pt 4pt 0.1in; vertical-align: top; border-top: white 1pt solid; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Denominations:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">$1,000 and any integral multiple of $1,000.</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 4pt 11pt 4pt 0.1in; vertical-align: top; border-top: white 1pt solid; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>CUSIP:</B></FONT></TD>
    <TD STYLE="padding-top: 4pt; padding-left: 0.1in; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-size: 10pt">22553QET0</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Georgia, Times, Serif; margin: 0pt 0">____________________</P>

<P STYLE="font: 10pt Georgia, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Georgia, Times, Serif">*</FONT>To the extent
that we make any change to the expected pricing date or expected issue date, the calculation days and stated maturity date may also be
changed in our discretion to ensure that the term of the securities remains the same.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
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</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Additional Information about the Issuer and the Securities</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>You may revoke your offer to purchase the securities
at any time prior to the time at which we accept such offer on the date the securities are priced. We reserve the right to change the
terms of, or reject any offer to purchase the securities prior to their issuance. In the event of any changes to the terms of the securities,
we will notify you and you will be asked to accept such changes in connection with your purchase. You may also choose to reject such changes
in which case we may reject your offer to purchase.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You should read this pricing supplement together
with the underlying supplement dated June 18, 2020, the product supplement dated <FONT>July 27,</FONT> 2022,
the prospectus supplement dated June 18, 2020 and the prospectus dated June 18, 2020, relating to our Medium-Term Notes of which these
securities are a part. You may access these documents on the SEC website at www.sec.gov as follows (or if such address has changed, by
reviewing our filings for the relevant date on the SEC website):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.25pt">&bull;</TD><TD STYLE="text-align: justify">Underlying Supplement dated June 18, 2020:</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"></P>

<P STYLE="text-indent: 12.25pt; font: 10pt Times New Roman, Times, Serif; margin-top: 3pt; margin-bottom: 0pt"><A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000095010320011950/dp130454_424b2-eus.htm" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/Archives/edgar/data/1053092/000095010320011950/dp130454_424b2-eus.htm</A></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt">&bull;</TD><TD STYLE="text-align: justify">Product Supplement No. WF-I dated July
27, 2022: </TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 12.25pt; margin-top: 3pt; margin-bottom: 0pt"><A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000095010322013067/dp177600_424b2-wfi.htm" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/Archives/edgar/data/1053092/000095010322013067/dp177600_424b2-wfi.htm</A></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt">&bull;</TD><TD STYLE="text-align: justify">Prospectus Supplement and Prospectus dated June 18, 2020:</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"></P>

<P STYLE="text-indent: 12.25pt; font: 10pt Times New Roman, Times, Serif; margin-top: 3pt; margin-bottom: 0pt"><A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000110465920074474/tm2019510-8_424b2.htm" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/Archives/edgar/data/1053092/000110465920074474/tm2019510-8_424b2.htm</A></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In the event the terms of the securities described
in this pricing supplement differ from, or are inconsistent with, the terms described in the underlying supplement, product supplement,
prospectus supplement or prospectus, the terms described in this pricing supplement will control.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Our Central Index Key, or CIK, on the SEC website
is 1053092. As used in this pricing supplement, &ldquo;<U>we</U>,&rdquo; &ldquo;<U>us</U>,&rdquo; or &ldquo;<U>our</U>&rdquo; refers to
Credit Suisse.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This pricing supplement, together with the documents
listed above, contains the terms of the securities and supersedes all other prior or contemporaneous oral statements as well as any other
written materials including preliminary or indicative pricing terms, fact sheets, correspondence, trade ideas, structures for implementation,
sample structures, brochures or other educational materials of ours. We may, without the consent of the registered holder of the securities
and the owner of any beneficial interest in the securities, amend the securities to conform to its terms as set forth in this pricing
supplement and the documents listed above, and the trustee is authorized to enter into any such amendment without any such consent. You
should carefully consider, among other things, the matters set forth in &ldquo;Selected Risk Considerations&rdquo; in this pricing supplement
and &ldquo;Risk Factors&rdquo; in the accompanying product supplement, &ldquo;Foreign Currency Risks&rdquo; in the accompanying prospectus,
and any risk factors we describe in the combined Annual Report on Form 20-F of Credit Suisse Group AG and us incorporated by reference
therein, and any additional risk factors we describe in future filings we make with the SEC under the Securities Exchange Act of 1934,
as amended, as the securities involve risks not associated with conventional debt securities. You should consult your investment, legal,
tax, accounting and other advisors before deciding to invest in the securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
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</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Investor Considerations</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The securities are not appropriate for all
investors. The securities may be an appropriate investment for investors who: </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">seek an investment with contingent coupon payments at a rate of at least 12.00% per annum (to be determined
on the pricing date) until the earlier of the stated maturity date or automatic call, if, and only if, the closing level of the lowest
performing Index on the applicable calculation day is greater than or equal to 75% of its starting level;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">are willing to accept the risk that if the ending level of the lowest performing Index on the final
                                                                                                           calculation day has declined by more than 25% from its starting level, they will be fully exposed to the decline in the lowest
                                                                                                           performing Index from its starting level and will lose more than 25%, and possibly all, of the face amount at maturity;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">are willing to accept the risk that they may receive few or no contingent coupon payments over the term
of the securities;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">understand that the securities may be automatically called prior to maturity and that the term of the
securities may be as short as approximately six months;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">understand that the return on the securities will depend solely on the performance of the Index that is
the lowest performing Index on each calculation day and that they will not benefit in any way from the performance of the better performing
Indices;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">understand that the securities are riskier than alternative investments linked to only one of the Indices
or linked to a basket composed of the Indices;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">understand and are willing to accept the full downside risks of each Index;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">are willing to forgo participation in any appreciation of any Index and dividends on securities included
in the Indices; and</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">are willing to hold the securities to maturity.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The securities may not be an appropriate investment
for investors who: </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">seek a liquid investment or are unable or unwilling to hold the securities to maturity;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">require full payment of the face amount of the securities at maturity;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">seek a security with a fixed term;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">are unwilling to purchase securities with an estimated value as of the pricing date that is lower than
the original offering price and that may be as low as the lower estimated value set forth on the cover page;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">are unwilling to accept the risk that the closing level of the lowest performing Index on the final calculation
day may decline by more than 25% from its starting level;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">seek certainty of current income over the term of the securities;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">seek exposure to the upside performance of any or each Index;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">seek exposure to a basket composed of each Index or a similar investment in which the overall return is
based on a blend of the performances of the Indices, rather than solely on the lowest performing Index;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">are unwilling to accept the risk of exposure to the Indices;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">are unwilling to accept the credit risk of Credit Suisse; or</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&#167;</FONT></TD><TD STYLE="text-align: justify">prefer the lower risk of conventional fixed income investments with comparable maturities issued by companies
with comparable credit ratings.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The considerations identified above are not
exhaustive. Whether or not the securities are an appropriate investment for you will depend on your individual circumstances, and you
should reach an investment decision only after you and your investment, legal, tax, accounting and other advisors have carefully considered
the appropriateness of an investment in the securities in light of your particular circumstances. You should also review carefully the
&ldquo;Selected Risk Considerations&rdquo; herein and the &ldquo;Risk Factors&rdquo; in the accompanying product supplement for risks
related to an investment in the securities. For more information about the Indices, please see the sections titled &ldquo;The S&amp;P
500<SUP>&reg;</SUP> Index,&rdquo; &ldquo;The Russell 2000<SUP>&reg;</SUP> Index&rdquo; and &ldquo;The Nasdaq-100 Index<SUP>&reg;</SUP>&rdquo;
below.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
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    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">
</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Determining Payment on a Contingent Coupon Payment Date and at Maturity</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If the securities have not been previously automatically
called, on each contingent coupon payment date, you will either receive a contingent coupon payment or you will not receive a contingent
coupon payment, depending on the closing level of the lowest performing Index on the related calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Step 1</B>: Determine which Index is the lowest
performing Index on the relevant calculation day. The lowest performing Index on any calculation day is the Index with the lowest performance
factor on that calculation day. The performance factor of an Index on a calculation day is its closing level on that calculation day as
a percentage of its starting level (i.e., its closing level on that calculation day <I>divided by</I> its starting level).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Step
2</B>: Determine whether a contingent coupon is paid on the applicable contingent coupon payment date based on the closing level of the
lowest performing Index on the relevant calculation day, as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><IMG SRC="image_005.jpg" ALT="">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If the securities have not been automatically
called prior to maturity, then at maturity you will receive (in addition to the final contingent coupon payment, if any) a cash payment
per security (the maturity payment amount) calculated as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Step 1</B>: Determine which Index is the lowest
performing Index on the final calculation day. The lowest performing Index on the final calculation day is the Index with the lowest performance
factor on the final calculation day. The performance factor of an Index on the final calculation day is its ending level as a percentage
of its starting level (i.e., its ending level <I>divided by</I> its starting level).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Step 2</B>: Calculate the maturity payment
amount based on the ending level of the lowest performing Index, as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;<IMG SRC="image_006.jpg" ALT=""></P>

<P STYLE="margin: 0pt 0"></P>

<P STYLE="margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
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    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">
</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Hypothetical Payout Profile</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The
following profile illustrates the potential maturity payment amount on the securities (excluding the final contingent coupon payment,
if any) for a range of hypothetical performances of the lowest performing Index on the final calculation day from its starting level
to its ending level, assuming the securities have not been automatically called prior to maturity. As this profile illustrates, in no
event will you have a positive rate of return based solely on the maturity payment amount received at maturity; any positive return will
be based solely on the contingent coupon payments, if any, received during the term of the securities. This graph has been prepared for
purposes of illustration only. Your actual return will depend on the actual ending level of the lowest performing Index on the final
calculation day and whether you hold your securities to maturity. The performance of the better performing Indices is not relevant to
your return on the securities.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_007.jpg" ALT=""></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PRS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Selected Risk Considerations</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities have complex features and investing
in the securities will involve risks not associated with an investment in conventional debt securities. You should carefully consider
the risk factors set forth below as well as the other information contained in this pricing supplement and the accompanying underlying
supplement, product supplement, prospectus supplement and prospectus, including the documents they incorporate by reference. An investment
in the securities involves significant risks. This section describes material risks relating to an investment in the securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #4F81BD"><B><I>Risks Relating to the Securities
Generally</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #4F81BD">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>If The Securities Are Not Automatically Called
Prior To Maturity, You May Lose Some Or All Of The Face Amount Of Your Securities At Maturity.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We will not repay you a fixed amount on the securities
at maturity. If the securities are not automatically called prior to maturity, you will receive a maturity payment amount that will be
equal to or less than the face amount, depending on the ending level of the lowest performing Index on the final calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If the ending level of the lowest performing Index
on the final calculation day is less than its threshold level, the maturity payment amount will be reduced by an amount equal to the decline
in the level of the lowest performing Index from its starting level (expressed as a percentage of its starting level). The threshold level
for each Index is 75% of its starting level. For example, if the securities are not automatically called and the lowest performing Index
on the final calculation day has declined by 25.1% from its starting level to its ending level, you will not receive any benefit of the
contingent downside protection feature and you will lose 25.1% of the face amount. As a result, you will not receive any protection if
the level of the lowest performing Index on the final calculation day declines significantly and you may lose some, and possibly all,
of the face amount at maturity, even if the level of the lowest performing Index is greater than or equal to its starting level or its
threshold level at certain times during the term of the securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Even if the ending level of the lowest performing
Index on the final calculation day is greater than its threshold level, the maturity payment amount will not exceed the face amount,
and your yield on the securities, taking into account any contingent coupon payments you may have received during the term of the securities,
may be less than the yield you would earn if you bought a traditional interest-bearing debt security of Credit Suisse or another issuer
with a similar credit rating.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Are Subject To The Credit Risk
Of Credit Suisse.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Investors are dependent on our ability to pay
all amounts due on the securities and, therefore, if we were to default on our obligations, you may not receive any amounts owed to you
under the securities. In addition, any decline in our credit ratings, any adverse changes in the market&rsquo;s view of our creditworthiness
or any increase in our credit spreads is likely to adversely affect the value of the securities prior to maturity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Regardless Of The Amount Of Any Payment You
Receive On The Securities, Your Actual Yield May Be Different In Real Value Terms.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Inflation may cause the real value of any payment
you receive on the securities to be less at maturity than it is at the time you invest. An investment in the securities also represents
a forgone opportunity to invest in an alternative asset that generates a higher real return. You should carefully consider whether an
investment that may result in a return that is lower than the return on alternative investments is appropriate for you.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Will Not Pay More Than The Face
Amount Of Your Securities, Plus Contingent Coupon Payments, If Any.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities will not pay more than the face
amount of your securities, plus contingent coupon payments, if any, regardless of the performance of any Index. Even if the ending level
of each Index is greater than its respective starting level, you will not participate in the appreciation of any Index. Therefore, the
maximum amount payable with respect to the securities (excluding contingent coupon payments, if any) is $1,000 for each $1,000 face amount.
This payment will not be increased to include reimbursement for any discounts or commissions and hedging and other transaction costs,
even upon an automatic call.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Do Not Provide For Regular Fixed
Interest Payments.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Unlike conventional debt securities, the securities do not provide
for regular fixed interest payments. The number of contingent coupon payments you receive over the term of the securities, if any, will
depend on the performance of the Indices during the term of the securities. On each contingent coupon payment date you will receive a
contingent coupon payment if, and only if, the closing level of the lowest performing Index on the immediately preceding calculation
day is greater than or equal to its threshold level. If the closing level of the lowest performing Index on any calculation day is less
than its threshold level, you will not receive any contingent coupon payment on the related contingent coupon payment date, and if the
closing level of the lowest performing Index is less than its threshold level on each calculation day over the term of the securities,
you will not receive any contingent coupon payments during the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">term of the securities. Thus, the securities
are not an appropriate investment for investors who require regular fixed income payments, since the number of contingent coupon payments
is variable and may be zero.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition, if interest rates generally increase
over the term of the securities, it is more likely that the contingent coupon payment, if any, could be less than the yield one might
receive based on market rates at that time. This would have the further effect of decreasing the value of your securities both nominally
in terms of below-market coupons and in real value terms. Furthermore, it is possible that you will not receive some or all of the contingent
coupon payments over the term of the securities, and still lose your initial investment. Even if you do receive some or all of your initial
investment at maturity, you will not be compensated for the time value of money. These securities are not short-term investments, so you
should carefully consider these risks before investing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Contingent Coupon Payments, If Any, Are Paid
On A Periodic Basis And Are Based Solely On The Closing Levels Of The Indices On The Specified Calculation Days.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Whether the contingent coupon will be paid with
respect to a calculation day will be based on the closing levels of the Indices on such day. As a result, you will not know whether you
will receive the contingent coupon until near the end of the relevant period. Moreover, because the contingent coupon is based solely
on the closing levels of the Indices on a specific calculation day, if the closing level of an Index is less than its threshold level
on a calculation day, you will not receive any contingent coupon with respect to such calculation day, even if the closing level of such
Index was higher on other days during the relevant period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Are Subject To The Full Risks
Of Each Index And Will Be Negatively Affected If Any Index Performs Poorly, Even If The Other Indices Perform Favorably.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">You
are subject to the full risks of each Index. If any Index performs poorly, you will be negatively affected, even if the other Indices
perform favorably. The securities are not linked to a basket composed of the Indices, where the better performance of some Indices could
offset the poor performance of others. Instead, you are subject to the full risks of whichever Index is the lowest performing Index on
each calculation day. For example, if one Index appreciates from its starting level to its ending level, but the ending level of the
lowest performing Index on the final calculation day is less than its threshold level, you will be exposed to the depreciation of the
lowest performing Index and you will not benefit from the performance of the Index that appreciated. As a result, the securities are
riskier than an alternative investment linked to only one of the Indices or linked to a basket composed of the Indices. Each additional
Index to which the securities are linked increases the risk that the securities will perform poorly. You should not invest in the securities
unless you understand and are willing to accept the full downside risks of each Index.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">It is impossible to predict the relationship between
the Indices. If the performances of the Indices exhibit no correlation to each other, it is more likely that one of the Indices will cause
the securities to perform poorly. However, if the performances of the equity securities included in each Index are related such that the
performances of the Indices are correlated, then there is less likelihood that only one Index will cause the securities to perform poorly.
Furthermore, to the extent that each Index represents a different market segment or market sector, the risk of one Index performing poorly
is greater. As a result, you are not only taking market risk on each Index, you are also taking a risk relating to the relationship among
the Indices.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Your Return On The Securities Will Depend Solely
On The Performance Of The Index That Is The Lowest Performing Index On Each Calculation Day, And You Will Not Benefit In Any Way From
The Performance Of The Better Performing Indices.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Your return on the securities will depend solely
on the performance of the Index that is the lowest performing Index on each calculation day. Although it is necessary for each Index to
close at or above its respective threshold level on the relevant calculation day in order for you to receive a contingent coupon payment
and for you to receive the face amount of your securities at maturity, you will not benefit in any way from the performance of the better
performing Indices. The securities may underperform an alternative investment linked to a basket composed of the Indices, since in such
case the performance of the better performing Indices would be blended with the performance of the lowest performing Index, resulting
in a better return than the return of the lowest performing Index alone.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Starting Level of Any Index May Be Determined
On A Date Later Than The Pricing Date.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The starting level of any Index may be determined
after the pricing date. In the event that the closing level for any Index is not available on the pricing date, the starting level for
such Index will be determined on the immediately following trading day on which a closing level is available. Under these circumstances,
you will not know the starting level of such Index until a date later than the pricing date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>More Favorable Terms Are Generally Associated
With Greater Expected Volatility, And Can Indicate A Greater Risk Of Loss.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&ldquo;Volatility&rdquo; refers to the frequency
and magnitude of changes in the level of an Index. The greater the expected volatility with respect to an Index on the pricing date, the
higher the expectation as of the pricing date that the closing level of such Index could be less than its threshold level on any calculation
day, indicating a higher expected risk of loss on the securities. This greater expected risk will</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">generally be reflected in a higher
contingent coupon rate than the yield payable on our conventional debt securities with a similar maturity, or in more favorable
terms (such as lower threshold levels) than for similar securities linked to the performance of an index with a lower expected
volatility as of the pricing date. You should therefore understand that a relatively higher contingent coupon rate may indicate an
increased risk of loss. Further, relatively lower threshold levels may not necessarily indicate that you will receive a contingent
coupon payment on any contingent coupon payment date or that the securities have a greater likelihood of a return of principal at
maturity. The volatility of any Index can change significantly over the term of the securities. The levels of the Indices for your
securities could fall sharply, which could result in a significant loss of principal. You should be willing to accept the downside
market risk of the Indices and the potential to lose a significant portion, and possibly all, of the face amount per security at
maturity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Are Subject To A Potential Automatic
Call, Which Would Limit Your Opportunity To Be Paid Contingent Coupons Over The Full Term Of The Securities.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The
securities are subject to a potential automatic call. If the securities are automatically called, no further payments will be made in
respect of the securities and you will lose the opportunity to continue to be paid contingent coupon payments from the call settlement
date to the stated maturity date.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Are Subject To A Potential Automatic
Call, Which Exposes You To Reinvestment Risk.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities are subject to a potential automatic
call. If the securities are automatically called prior to maturity, you may be unable to invest in other securities with a similar level
of risk that provide you with the opportunity to be paid the same coupons as the securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>A Contingent Coupon Payment Date, A Call Settlement
Date And The Stated Maturity Date May Be Postponed If A Calculation Day Is Postponed.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">A calculation day (including the final calculation
day) with respect to an Index will be postponed if the applicable originally scheduled calculation day is not a trading day with respect
to any Index or if the calculation agent determines that a market disruption event has occurred or is continuing with respect to that
Index on that calculation day. If such a postponement occurs with respect to a calculation day other than the final calculation day,
then the related contingent coupon payment date or call settlement date, as applicable, will be postponed. If such a postponement occurs
with respect to the final calculation day, the stated maturity date will be the later of (i) the initial stated maturity date and (ii)
three business days after the last final calculation day as postponed. For additional information, see &ldquo;Terms of the Securities&mdash;Market
Disruption Events and Postponement Provisions&rdquo; herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The U.S. Federal Tax Consequences Of An Investment
In The Securities Are Unclear.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">There is no direct legal authority regarding the
proper U.S. federal tax treatment of the securities, and we do not plan to request a ruling from the Internal Revenue Service (the &ldquo;IRS&rdquo;).
Consequently, significant aspects of the tax treatment of the securities are uncertain, and the IRS or a court might not agree with the
treatment of the securities as described in &ldquo;United States Federal Tax Considerations&rdquo; below. If the IRS were successful in
asserting an alternative treatment, the tax consequences of ownership and disposition of the securities, including the timing and character
of income recognized by U.S. investors and the withholding tax consequences to non-U.S. investors, might be materially and adversely affected.
Moreover, future legislation, Treasury regulations or IRS guidance could adversely affect the U.S. federal tax treatment of the securities,
possibly retroactively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #4F81BD"><B><I>Risks Relating to the Indices</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #4F81BD">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Any Payments On The Securities And Whether
The Securities Are Automatically Called Will Depend Upon The Performance Of The Indices And Therefore The Securities Are Subject To The
Following Risks, Each As Discussed In More Detail In The Accompanying Product Supplement. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><B>Investing In The Securities Is Not The Same As Investing
In The Indices. </B>Investing in the securities is not equivalent to investing in the Indices. As an investor in the securities, your
return will not reflect the return you would realize if you actually owned and held the securities included in the Indices for a period
similar to the term of the securities because you will not receive any dividend payments, distributions or any other payments paid on
those securities. As a holder of the securities, you will not have any voting rights or any other rights that holders of the securities
included in the Indices would have.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><B>Historical Levels Of The Indices Should Not Be Taken As An Indication Of The Future Performance Of
The Indices During The Term Of The Securities.</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><B>Changes That Affect The Indices May Adversely Affect The Value Of The Securities And Any Payments On
The Securities. </B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><B>We Cannot Control Actions By Any Of The Unaffiliated Companies Whose Securities Are Included In The
Indices.</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>



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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>


<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify"><B>We And Our Affiliates Have No Affiliation With Any Index Sponsor And Have Not Independently Verified
Their Public Disclosure Of Information.</B></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Are Linked To The Russell 2000<SUP>&reg;</SUP>
Index And Are Subject To The Risks Associated With Small-Capitalization Companies.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Russell 2000<SUP>&reg;</SUP> Index is composed
of equity securities issued by companies with relatively small market capitalization. These equity securities often have greater stock
price volatility, lower trading volume and less liquidity than the equity securities of large-capitalization companies, and are more vulnerable
to adverse business and economic developments than those of large-capitalization companies. In addition, small-capitalization companies
are typically less established and less stable financially than large-capitalization companies. These companies may depend on a small
number of key personnel, making them more vulnerable to loss of personnel. Such companies tend to have smaller revenues, less diverse
product lines, smaller shares of their product or service markets, fewer financial resources and less competitive strengths than large-capitalization
companies and are more susceptible to adverse developments related to their products. Therefore, the Russell 2000<SUP>&reg;</SUP> Index
may be more volatile than it would be if it were composed of equity securities issued by large-capitalization companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Foreign Company Risk.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Some of the assets included in the Nasdaq-100
Index<SUP>&reg;</SUP> are issued by foreign companies. Foreign companies are generally subject to accounting, auditing and financial reporting
standards and requirements and securities trading rules different from those applicable to U.S. reporting companies. Foreign companies
may be subject to different political, market, economic, regulatory and other risks than those applicable to domestic companies, including
changes in foreign governments, economic and fiscal policies, currency exchange laws or other laws or restrictions. Moreover, the economies
of foreign countries may differ favorably or unfavorably from the economy of the United States in such respects as growth of gross national
product, rate of inflation, capital reinvestment, resources and self-sufficiency. These factors may adversely affect the values of some
of the equity securities included in the Nasdaq-100 Index<SUP>&reg;</SUP>, and therefore the performance of the Nasdaq-100 Index<SUP>&reg;</SUP>
and the value of the securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white"><B>Government
Regulatory Action, Including Legislative Acts And Executive Orders, Could Result In Material Changes To The Indices And Could Negatively
Affect Your Return On The Securities.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">Government
regulatory action, including legislative acts and executive orders, could materially affect the Indices. For example, in response to recent
executive orders, stocks of companies that are determined to be linked to the People&rsquo;s Republic of China military, intelligence
and security apparatus may be delisted from a U.S. exchange, removed as a component in indices or exchange traded funds, or transactions
in, or holdings of, securities with exposure to such stocks may otherwise become prohibited under U.S. law. If government regulatory action
results in such consequences, there may be a material and negative effect on the securities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #4F81BD"><B><I>Risks Relating to the Issuer</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #4F81BD">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Credit Suisse Is Subject To Swiss Regulation.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">As a Swiss bank, Credit Suisse is subject to regulation
by governmental agencies, supervisory authorities and self-regulatory organizations in Switzerland. Such regulation is increasingly more
extensive and complex and subjects Credit Suisse to risks. For example, pursuant to Swiss banking laws, the Swiss Financial Market Supervisory
Authority (FINMA) may open resolution proceedings if there are justified concerns that Credit Suisse is over-indebted, has serious liquidity
problems or no longer fulfills capital adequacy requirements. FINMA has broad powers and discretion in the case of resolution proceedings,
which include the power to convert debt instruments and other liabilities of Credit Suisse into equity and/or cancel such liabilities
in whole or in part. If one or more of these measures were imposed, such measures may adversely affect the terms and market value of the
securities and/or the ability of Credit Suisse to make payments thereunder and you may not receive any amounts owed to you under the securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #4F81BD"><B><I>Risks Relating to Conflicts
of Interest</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #4F81BD">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Hedging And Trading Activity Could Adversely
Affect Our Payment To You At Maturity. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Credit Suisse (or any of its affiliates) or
WFS (or any of its affiliates) may carry out hedging activities related to the securities, including in instruments related to the
Indices. Credit Suisse (or any of its affiliates) or WFS (or any of its affiliates) may also trade instruments related to the
Indices from time to time. Any of these hedging or trading activities on or prior to the pricing date and during the term of the
securities could adversely affect our payment to you at maturity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Our Economic Interests Are Potentially Adverse
To Your Interests.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We and our affiliates play a variety of roles
in connection with the issuance of the securities, including acting as calculation agent for the offering of the securities, hedging our
obligations under the securities and determining their estimated value. In performing these duties, the economic interests of us and our
affiliates are potentially adverse to your interests as an investor in the securities. Further, </P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">hedging activities may adversely affect any payment
on or the value of the securities. Any profit in connection with such hedging activities will be in addition to any other compensation
that we and our affiliates receive for the sale of the securities, which creates an additional incentive to sell the securities to you.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #4F81BD"><B><I>Risks Relating to the Estimated
Value and Secondary Market Prices of the Securities</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #4F81BD">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Unpredictable Economic And Market Factors Will
Affect The Value Of The Securities.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The payout on the securities can be replicated
using a combination of the components described in &ldquo;The Estimated Value Of The Securities On The Pricing Date May Be Less Than The
Original Offering Price.&rdquo; Therefore, in addition to the levels of any Index, the terms of the securities at issuance and the value
of the securities prior to maturity may be influenced by factors that impact the value of fixed income securities and options in general,
such as:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 73.8pt"></TD><TD STYLE="width: 25.2pt">o</TD><TD STYLE="text-align: justify">the expected and actual volatility of the Indices;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 73.8pt"></TD><TD STYLE="width: 25.2pt">o</TD><TD STYLE="text-align: justify">the expected and actual correlation, if any, between the Indices;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 73.8pt"></TD><TD STYLE="width: 25.2pt">o</TD><TD STYLE="text-align: justify">the time to maturity of the securities;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 73.8pt"></TD><TD STYLE="width: 25.2pt">o</TD><TD STYLE="text-align: justify">the dividend rate on the equity securities included in the Indices;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 73.8pt"></TD><TD STYLE="width: 25.2pt">o</TD><TD STYLE="text-align: justify">interest and yield rates in the market generally;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 73.8pt"></TD><TD STYLE="width: 25.2pt">o</TD><TD STYLE="text-align: justify">investors&rsquo; expectations with respect to the rate of inflation;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 73.8pt"></TD><TD STYLE="width: 25.2pt">o</TD><TD STYLE="text-align: justify">geopolitical conditions and economic, financial, political, regulatory, judicial or other events that
affect the components included in the Indices or markets generally and which may affect the levels of the Indices; and</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 73.8pt"></TD><TD STYLE="width: 25.2pt">o</TD><TD STYLE="text-align: justify">our creditworthiness, including actual or anticipated downgrades in our credit ratings.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Some or all of these factors may influence the
price that you will receive if you choose to sell your securities prior to maturity. The impact of any of the factors set forth above
may enhance or offset some or all of any change resulting from another factor or factors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Estimated Value Of The Securities On The
Pricing Date May Be Less Than The Original Offering Price. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The initial estimated value of your securities
on the pricing date (as determined by reference to our pricing models and our internal funding rate) may be significantly less than the
original offering price. The original offering price of the securities includes any discounts or commissions as well as transaction costs
such as expenses incurred to create, document and market the securities and the cost of hedging our risks as issuer of the securities
through one or more of our affiliates (which includes a projected profit). These costs will be effectively borne by you as an investor
in the securities. These amounts will be retained by Credit Suisse or our affiliates in connection with our structuring and offering of
the securities (except to the extent discounts or commissions are reallowed to other broker-dealers or any costs are paid to third parties).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On the pricing date, we value the components of
the securities in accordance with our pricing models. These include a fixed income component valued using our internal funding rate, and
individual option components valued using proprietary pricing models dependent on inputs such as volatility, correlation, dividend rates,
interest rates and other factors, including assumptions about future market events and/or environments. These inputs may be market-observable
or may be based on assumptions made by us in our discretionary judgment. As such, the payout on the securities can be replicated using
a combination of these components and the value of these components, as determined by us using our pricing models, will impact the terms
of the securities at issuance. Our option valuation models are proprietary. Our pricing models take into account factors such as interest
rates, volatility and time to maturity of the securities, and they rely in part on certain assumptions about future events, which may
prove to be incorrect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Because Credit Suisse&rsquo;s pricing models may
differ from other issuers&rsquo; valuation models, and because funding rates taken into account by other issuers may vary materially from
the rates used by Credit Suisse (even among issuers with similar creditworthiness), our estimated value at any time may not be comparable
to estimated values of similar securities of other issuers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>If On The Pricing Date The Internal Funding
Rate We Use In Structuring Notes Such As These Securities Is Lower Than The Interest Rate That Is Reflected In The Yield On Our Conventional
Debt Securities Of Similar Maturity In The Secondary Market (Our &ldquo;Secondary Market Credit Spreads&rdquo;), We Expect That The Economic
Terms Of The Securities Will Generally Be Less Favorable To You Than They Would Have Been If Our Secondary Market Credit Spread Had Been
Used In Structuring The Securities.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The internal funding rate we use in structuring
notes such as these securities is typically lower than the interest rate that is reflected in the yield on our conventional debt securities
of similar maturity in the secondary market (our &ldquo;secondary market credit spreads&rdquo;). If on the pricing date our internal funding
rate is lower than our secondary market credit spreads, we expect that the economic terms of the </P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PRS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">securities will generally be less favorable to
you than they would have been if our secondary market credit spread had been used in structuring the securities. We will also use our
internal funding rate to determine the price of the securities if we post a bid to repurchase your securities in secondary market transactions.
See &ldquo;The Estimated Value Of The Securities Is Not An Indication Of The Price, If Any, At Which Credit Suisse Or Any Other Person
May Be Willing To Buy The Securities From You In The Secondary Market&rdquo; below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Estimated Value Of The Securities Is Not
An Indication Of The Price, If Any, At Which Credit Suisse Or Any Other Person May Be Willing To Buy The Securities From You In The Secondary
Market.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If Credit Suisse (or any of its affiliates) or
WFS (or any of its affiliates) bid for your securities in secondary market transactions, the secondary market price (and the value used
for account statements or otherwise) may be higher or lower than the original offering price and the estimated value of the securities
on the pricing date. Neither Credit Suisse (or any of its affiliates) nor WFS (or any of its affiliates) is obligated to make a secondary
market. The estimated value of the securities on the cover of this pricing supplement does not represent a minimum price at which Credit
Suisse or WFS would be willing to buy the securities in the secondary market (if any exists) at any time. The secondary market price of
your securities at any time cannot be predicted and will reflect the then-current estimated value determined by reference to our pricing
models, the related inputs and other factors, including our internal funding rate, customary bid and ask spreads and other transaction
costs, changes in market conditions and deterioration or improvement in our creditworthiness. In circumstances where our internal funding
rate is higher than our secondary market credit spreads, our secondary market bid for your securities could be less favorable than what
other dealers might bid because, assuming all else equal, we use the higher internal funding rate to price the securities and other dealers
might use the lower secondary market credit spread to price them. Furthermore, assuming no change in market conditions from the pricing
date, the secondary market price of your securities will be lower than the original offering price because it will not include any discounts
or commissions and hedging and other transaction costs. If you sell your securities to a dealer in a secondary market transaction, the
dealer may impose an additional discount or commission, and as a result the price you receive on your securities may be lower than the
price at which we may repurchase the securities from such dealer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Credit Suisse (or any of its affiliates) or WFS
(or any of its affiliates) may initially post a bid to repurchase the securities from you at a price that will exceed the then-current
estimated value of the securities. That higher price reflects our projected profit and costs, which may include discounts and commissions
that were included in the original offering price, and that higher price may also be initially used for account statements or otherwise.
Credit Suisse (or any of its affiliates) or WFS (or any of its affiliates) may offer to pay this higher price, for your benefit, but the
amount of any excess over the then-current estimated value will be temporary and is expected to decline over a period of approximately
three months.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities are not designed to be short-term
trading instruments and any sale prior to maturity could result in a substantial loss to you. You should be willing and able to hold your
securities to maturity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Securities Will Not Be Listed On Any Securities
Exchange And We Do Not Expect A Trading Market For The Securities To Develop.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The securities will not be listed or displayed
on any securities exchange or any automated quotation system. Although we or our affiliates may purchase the securities from holders,
we are not obligated to do so and we are not required to make a market for the securities. There can be no assurance that a secondary
market will develop. Because we do not expect that any market makers will participate in a secondary market for the securities, the price
at which you may be able to sell your securities is likely to depend on the price, if any, at which we are willing to buy your securities.
If a secondary market does exist, it may be limited. Accordingly, there may be a limited number of buyers if you decide to sell your securities
prior to stated maturity. This may affect the price you receive upon such sale. Consequently, you should be willing to hold the securities
to maturity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>


<!-- Field: Page; Sequence: 14; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PRS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Hypothetical Returns</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>If the securities are automatically called:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If the securities are automatically called prior
to maturity, you will receive the face amount of your securities plus a final contingent coupon payment on the call settlement date. In
the event the securities are automatically called, your total return on the securities will equal any contingent coupon payments received
prior to the call settlement date and the contingent coupon payment received on the call settlement date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>If the securities are not automatically called:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">If the securities are not automatically called
prior to maturity, the following table illustrates, for a range of hypothetical performance factors of the lowest performing Index on
the final calculation day, the hypothetical maturity payment amount payable at maturity per security (excluding the final contingent coupon
payment, if any). The performance factor of the lowest performing Index on the final calculation day is its ending level expressed as
a percentage of its starting level (i.e., its ending level <I>divided by </I>its starting level).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 77%; border-collapse: collapse">
  <TR>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: #688FCF 1pt solid; padding-left: 0.05in; text-align: center"><FONT STYLE="font-size: 10pt"><B>Hypothetical performance factor of lowest performing Index on final calculation day</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #688FCF 1pt solid; padding-left: 0.05in; text-align: center"><FONT STYLE="font-size: 10pt"><B>Hypothetical maturity payment amount per security</B></FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">200.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">175.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">160.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">150.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">140.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">130.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">120.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">110.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">90.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">80.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">74.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$740.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">70.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$700.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">60.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$600.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">50.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$500.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">40.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$400.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">30.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$300.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">25.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$250.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="width: 55%">&nbsp;</TD>
    <TD STYLE="width: 34%">&nbsp;</TD>
    <TD STYLE="width: 11%">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The above figures do not take into account contingent
coupon payments, if any, received during the term of the securities. As evidenced above, in no event will you have a positive rate of
return based solely on the maturity payment amount received at maturity; any positive return will be based solely on the contingent coupon
payments, if any, received during the term of the securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The
above figures are for purposes of illustration only and may have been rounded for ease of analysis. If the securities are not automatically
called prior to maturity, the actual amount you will receive at maturity will depend on the actual ending level of the lowest performing
Index on the final calculation day. The performance of the better performing Indices is not relevant to your return on the securities.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


<!-- Field: Page; Sequence: 15; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PRS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Hypothetical Contingent Coupon Payments</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Set
forth below are examples that illustrate how to determine whether a contingent coupon payment will be paid and whether the securities
will be automatically called, if applicable, on a contingent coupon payment date prior to maturity. The examples do not reflect any specific
contingent coupon payment date. The following examples assume that the securities are subject to automatic call on the applicable calculation
day. The securities will not be subject to automatic call until the sixth calculation day, which is approximately six months after the
issue date. The following examples reflect a hypothetical contingent coupon rate of 12.00% per annum (the minimum contingent coupon rate
that may be determined on the pricing date) and assume the hypothetical starting level, threshold level and closing level for each Index
indicated in the examples. The terms used for purposes of these hypothetical examples do not represent any actual starting level or threshold
level. The hypothetical starting level of 100 for each Index has been chosen for illustrative purposes only and does not represent the
actual starting level for any Index. The actual starting level and threshold level for each Index and the actual contingent coupon rate
will be determined on the pricing date and will be set forth under &ldquo;Terms of the Securities&rdquo; above. For historical data regarding
the actual closing levels of the Indices, see the historical information set forth herein. These examples are for purposes of illustration
only and the values used in the examples may have been rounded for ease of analysis.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example 1. The closing level of the lowest
performing Index on the relevant calculation day is greater than or equal to its threshold level and less than its starting level. As
a result, investors receive a contingent coupon payment on the applicable contingent coupon payment date and the securities are not automatically
called.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 59%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>S&amp;P 500<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Russell 2000<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Nasdaq-100 Index<SUP>&reg;</SUP></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical starting level:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical closing level on relevant calculation day:</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">90</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">95</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">80</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical threshold level: </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Performance factor (closing level on calculation day <I>divided by</I> starting level): </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">90%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">95%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">80%</FONT></TD></TR>
  </TABLE>
<P STYLE="padding-top: 11pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 12.2pt; text-align: justify"><U>Step 1</U>: Determine which Index
is the lowest performing Index on the relevant calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">In this example, the Nasdaq-100 Index<SUP>&reg;</SUP>
has the lowest performance factor and is, therefore, the lowest performing Index on the relevant calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">&nbsp;<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify"><U>Step
2</U>: Determine whether a contingent coupon payment will be paid and whether the securities will be automatically called on the applicable
contingent coupon payment date.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">Since the hypothetical closing level
of the lowest performing Index on the relevant calculation day is greater than or equal to its threshold level, but less than its starting
level, you would receive a contingent coupon payment on the applicable contingent coupon payment date and the securities would not be
automatically called. The contingent coupon payment would be equal to $10 per security, determined as follows: (i) $1,000 <I>multiplied
by</I> 12.00% per annum <I>divided by</I> (ii) 12, rounded to the nearest cent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example 2. The closing level of the lowest
performing Index on the relevant calculation day is less than its threshold level. As a result, investors do not receive a contingent
coupon payment on the applicable contingent coupon payment date and the securities are not automatically called.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 60%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 14%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>S&amp;P 500<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Russell 2000<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Nasdaq-100 Index<SUP>&reg;</SUP></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical starting level:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical closing level on relevant calculation day:</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">60</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">125</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">105</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical threshold level: </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Performance factor (closing level on calculation day <I>divided by</I> starting level): </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">60%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">125%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">105%</FONT></TD></TR>
  </TABLE>
<P STYLE="padding-top: 11pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 12.2pt; text-align: justify"><U>Step 1</U>: Determine which Index
is the lowest performing Index on the relevant calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">In this example, the S&amp;P 500<SUP>&reg;</SUP>
Index has the lowest performance factor and is, therefore, the lowest performing Index on the relevant calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">&nbsp;<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify"><U>Step
2</U>: Determine whether a contingent coupon payment will be paid and whether the securities will be automatically called on the applicable
contingent coupon payment date.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">Since the hypothetical closing level
of the lowest performing Index on the relevant calculation day is less than its threshold level, you would not receive a contingent coupon
payment on the applicable contingent coupon payment date. In addition, the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">&nbsp;</P>


<!-- Field: Page; Sequence: 16; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PRS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">securities would not be automatically
called, even though the closing levels of the better performing Indices on the relevant calculation day are greater than their starting
levels. As this example illustrates, whether you receive a contingent coupon payment and whether the securities are automatically called
on a contingent coupon payment date will depend solely on the closing level of the lowest performing Index on the relevant calculation
day. The performance of the better performing Indices is not relevant to your return on the securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example 3. The closing level of the lowest
performing Index on the relevant calculation day is greater than or equal to its starting level. As a result, the securities are automatically
called on the applicable contingent coupon payment date for the face amount plus a final contingent coupon payment.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 59%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>S&amp;P 500<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Russell 2000<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Nasdaq-100 Index<SUP>&reg;</SUP></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical starting level:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical closing level on relevant calculation day:</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">115</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">105</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">130</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical threshold level: </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Performance factor (closing level on calculation day <I>divided by</I> starting level): </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">115%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">105%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">130%</FONT></TD></TR>
  </TABLE>
<P STYLE="padding-top: 11pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 12.2pt; text-align: justify"><U>Step 1</U>: Determine which Index
is the lowest performing Index on the relevant calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">In this example, the Russell 2000<SUP>&reg;</SUP>
Index has the lowest performance factor and is, therefore, the lowest performing Index on the relevant calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">&nbsp;<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify"><U>Step
2</U>: Determine whether a contingent coupon payment will be paid and whether the securities will be automatically called on the applicable
contingent coupon payment date.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">Since the hypothetical closing level
of the lowest performing Index on the relevant calculation day is greater than or equal to its starting level, the securities would be
automatically called and you would receive the face amount plus a final contingent coupon payment on the applicable contingent coupon
payment date, which is also referred to as the call settlement date. On the call settlement date, you would receive $1,010 per security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">If the securities are automatically called
prior to maturity, you will not receive any further payments after the call settlement date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Hypothetical Payment at Maturity</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Set forth below are examples of calculations of
the maturity payment amount payable at maturity, assuming that the securities have not been automatically called prior to maturity and
assuming the hypothetical starting level, threshold level and ending level for each Index indicated in the examples. The terms used for
purposes of these hypothetical examples do not represent any actual starting level or threshold level. The hypothetical starting level
of 100 for each Index has been chosen for illustrative purposes only and does not represent the actual starting level for any Index. The
actual starting level and threshold level for each Index will be determined on the pricing date and will be set forth under &ldquo;Terms
of the Securities&rdquo; above. For historical data regarding the actual closing levels of the Indices, see the historical information
set forth herein. These examples are for purposes of illustration only and the values used in the examples may have been rounded for ease
of analysis.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example 1. The ending level of the lowest
performing Index on the final calculation day is greater than its starting level, the maturity payment amount is equal to the face amount
of your securities at maturity and you receive a final contingent coupon payment:</B><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 59%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>S&amp;P 500<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><SUP>&reg;</SUP></FONT> Index</B></FONT></TD>
    <TD STYLE="width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Russell 2000<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Nasdaq-100 Index<SUP>&reg;</SUP></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical starting level:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical ending level:</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">145</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">135</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">125</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical threshold level: </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Performance factor (ending level <I>divided by</I> starting level): </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">145%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">135%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">125%</FONT></TD></TR>
  </TABLE>
<P STYLE="padding-top: 11pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 12.2pt; text-align: justify"><U>Step 1</U>: Determine which Index
is the lowest performing Index on the final calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">In this example, the Nasdaq-100 Index<SUP>&reg;</SUP>
has the lowest performance factor and is, therefore, the lowest performing Index on the final calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify"></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify"><U>Step 2</U>: Determine the maturity
payment amount based on the ending level of the lowest performing Index on the final calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">Since the hypothetical ending level of
the lowest performing Index on the final calculation day is greater than its hypothetical threshold level, the maturity payment amount
would equal the face amount. Although the hypothetical ending level of the lowest performing Index on the final calculation day is significantly
greater than its hypothetical starting level in this scenario, the maturity payment amount will not exceed the face amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">In addition to any contingent coupon
payments received during the term of the securities, on the stated maturity date you would receive $1,000 per security and, because the
hypothetical ending level of the lowest performing Index on the final calculation day is greater than its threshold level, a final contingent
coupon payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example 2. The ending level of the lowest
performing Index on the final calculation day is less than its starting level but greater than its threshold level, the maturity payment
amount is equal to the face amount of your securities at maturity and you receive a final contingent coupon payment:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 59%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>S&amp;P 500<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><SUP>&reg;</SUP></FONT> Index</B></FONT></TD>
    <TD STYLE="width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Russell 2000<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Nasdaq-100 Index<SUP>&reg;</SUP></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical starting level:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical ending level:</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">85</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">115</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">110</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical threshold level: </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Performance factor (ending level <I>divided by</I> starting level):</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">85%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">115%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">110%</FONT></TD></TR>
  </TABLE>
<P STYLE="padding-top: 11pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 12.2pt; text-align: justify"><U>Step 1</U>: Determine which Index
is the lowest performing Index on the final calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">In this example, the S&amp;P 500<SUP>&reg;</SUP>
Index has the lowest performance factor and is, therefore, the lowest performing Index on the final calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">&nbsp;<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify"><U>Step
2</U>: Determine the maturity payment amount based on the ending level of the lowest performing Index on the final calculation day.</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify"></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">Since
the hypothetical ending level of the lowest performing Index on the final calculation day is less than its hypothetical starting level,
but greater than or equal to its threshold level, you would receive the face amount of your securities at maturity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">In addition to any contingent coupon
payments received during the term of the securities, on the stated maturity date you would receive $1,000 per security and, because the
hypothetical ending level of the lowest performing Index on the final calculation day is greater than its threshold level, a final contingent
coupon payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Example 3. The ending level of the lowest
performing Index on the final calculation day is less than its threshold level, the maturity payment amount is less than the face amount
of your securities at maturity and you do not receive a final contingent coupon payment:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 59%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>S&amp;P 500<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Russell 2000<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Nasdaq-100 Index<SUP>&reg;</SUP></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical starting level:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical ending level:</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">120</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">45</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">90</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical threshold level: </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Performance factor (ending level <I>divided by</I> starting level): </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">120%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">45%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">90%</FONT></TD></TR>
  </TABLE>
<P STYLE="padding-top: 11pt; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 12.2pt; text-align: justify"><U>Step 1</U>: Determine which Index
is the lowest performing Index on the final calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27.35pt; text-align: justify">In this example, the Russell 2000<SUP>&reg;</SUP>
Index has the lowest performance factor and is, therefore, the lowest performing Index on the final calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27.35pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify"><U>Step 2</U>: Determine the maturity
payment amount based on the ending level of the lowest performing Index on the final calculation day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt">Since the hypothetical ending level of the lowest performing
Index on the final calculation day is less than its threshold level, you would lose a portion of the face amount of your securities and
receive a maturity payment amount equal to $450 per security, calculated as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">= $1,000 &times; performance
factor of the lowest performing Index on the final calculation day</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">= $1,000 &times; 45%</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">= $450</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify">In addition to any contingent coupon
payments received during the term of the securities, on the stated maturity date you would receive $450 per security. Because the hypothetical
ending level of the lowest performing Index on the final calculation day is less than its threshold level, you would not receive a final
contingent coupon payment on the stated maturity date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">These examples illustrate that you will not participate
in any appreciation of any Index, but will be fully exposed to a decrease in the lowest performing Index from its starting level to its
ending level if the ending level of the lowest performing Index on the final calculation day is less than its threshold level, even if
the ending levels of the other Indices have appreciated or have not declined below their respective threshold level.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">To the extent that the starting level, threshold
level and ending level of the lowest performing Index differ from the values assumed above, the results indicated above would be different.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>The S&amp;P 500<SUP>&reg;</SUP> Index</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The S&amp;P 500<SUP>&reg;</SUP> Index is an equity
index that is intended to provide an indication of the pattern of common stock price movement in the large capitalization segment of the
United States equity market. See &ldquo;The Reference Indices&mdash;The S&amp;P Dow Jones Indices&mdash;The S&amp;P U.S. Indices&mdash;The
S&amp;P 500<SUP>&reg;</SUP> Index&rdquo; in the accompanying underlying supplement for additional information about the S&amp;P 500<SUP>&reg;</SUP>
Index.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Historical Information </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We obtained the closing levels of the S&amp;P
500<SUP>&reg;</SUP> Index in the graph below from Bloomberg, without independent verification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following graph sets forth daily closing levels
of the S&amp;P 500<SUP>&reg;</SUP> Index for the period from January 3, 2017 to July 29, 2022. The closing level on July 29, 2022 was
4130.29. The historical performance of the S&amp;P 500<SUP>&reg;</SUP> Index should not be taken as an indication of the future performance
of the S&amp;P 500<SUP>&reg;</SUP> Index during the term of the securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_008.jpg" ALT="" STYLE="height: 312px; width: 534px"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>The Russell 2000<SUP>&reg;</SUP> Index</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Russell 2000<SUP>&reg;</SUP> Index is an equity
index that is designed to track the performance of the small capitalization segment of the United States equity market. See &ldquo;The
Reference Indices&mdash;The FTSE Russell Indices&mdash;The Russell Indices&mdash;The Russell 2000<SUP>&reg;</SUP> Index&rdquo; in the
accompanying underlying supplement for additional information about the Russell 2000<SUP>&reg;</SUP> Index.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Historical Information</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We obtained the closing levels of the Russell
2000<SUP>&reg;</SUP> Index in the graph below from Bloomberg, without independent verification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following graph sets forth daily closing levels
of the Russell 2000<SUP>&reg;</SUP> Index for the period from January 3, 2017 to July 29, 2022. The closing level on July 29, 2022 was
1885.230. The historical performance of the Russell 2000<SUP>&reg;</SUP> Index should not be taken as an indication of the future performance
of the Russell 2000<SUP>&reg;</SUP> Index during the term of the securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_009.jpg" ALT="" STYLE="height: 334px; width: 543px"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>The Nasdaq-100 Index<SUP>&reg;</SUP></B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Nasdaq-100 Index<SUP>&reg;</SUP> is a modified
market capitalization-weighted index of stocks of the 100 largest non-financial companies listed on the Nasdaq Stock Market. See &ldquo;The
Reference Indices&mdash;The Nasdaq-100 Index<SUP>&reg;</SUP>&rdquo; in the accompanying underlying supplement for additional information
about the Nasdaq-100 Index<SUP>&reg;</SUP>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Historical Information</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We obtained the closing levels of the Nasdaq-100
Index<SUP>&reg;</SUP> in the graph below from Bloomberg, without independent verification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following graph sets forth daily closing levels
of the Nasdaq-100 Index<SUP>&reg;</SUP> for the period from January 3, 2017 to July 29, 2022. The closing level on July 29, 2022 was 12947.97.
The historical performance of the Nasdaq-100 Index<SUP>&reg;</SUP> should not be taken as an indication of the future performance of the
Nasdaq-100 Index<SUP>&reg;</SUP> during the term of the securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_010.jpg" ALT="" STYLE="height: 321px; width: 529px"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>United States Federal Tax Considerations</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">This discussion supplements and, to the extent
inconsistent therewith, supersedes the discussion in the accompanying product supplement under &ldquo;United States Federal Tax Considerations.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Due to the lack of any controlling legal authority,
there is substantial uncertainty regarding the U.S. federal tax consequences of an investment in the securities. In the opinion of our
counsel, Davis Polk &amp; Wardwell LLP, it is reasonable under current law to treat the securities for U.S. federal income tax purposes
as prepaid financial contracts with associated coupons that will be treated as gross income to you at the time received or accrued in
accordance with your regular method of tax accounting. However, our counsel has advised us that it is unable to conclude affirmatively
that this treatment is more likely than not to be upheld, and that alternative treatments are possible that could materially affect the
timing and character of income or loss you recognize on the securities. Moreover, our counsel&rsquo;s opinion is based on market conditions
as of the date of this preliminary pricing supplement and is subject to confirmation on the pricing date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Assuming this treatment of the securities is respected
and subject to the discussion in &ldquo;United States Federal Tax Considerations&rdquo; in the accompanying product supplement, the following
U.S. federal income tax consequences should result:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Any coupons paid on the securities should be taxable as ordinary income to you at the time received or
accrued in accordance with your regular method of accounting for U.S. federal income tax purposes.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Upon a sale or other disposition (including retirement) of a security, you should recognize capital gain
or loss equal to the difference between the amount realized and your tax basis in the security. For this purpose, the amount realized
does not include any coupon paid on retirement and may not include sale proceeds attributable to an accrued coupon, which may be treated
as a coupon payment. Such gain or loss should be short-term capital gain or loss.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We do not plan to request a ruling from the IRS
regarding the treatment of the securities, and the IRS or a court might not agree with the treatment described herein. In particular,
the securities might be determined to be contingent payment debt instruments, in which case the tax consequences of ownership and disposition
of the securities, including the timing and character of income recognized, might be materially and adversely affected. Moreover, the
U.S. Treasury Department and the IRS have requested comments on various issues regarding the U.S. federal income tax treatment of &ldquo;prepaid
forward contracts&rdquo; and similar financial instruments and have indicated that such transactions may be the subject of future regulations
or other guidance. In addition, members of Congress have proposed legislative changes to the tax treatment of derivative contracts. Any
legislation, Treasury regulations or other guidance promulgated after consideration of these issues could materially and adversely affect
the tax consequences of an investment in the securities, possibly with retroactive effect. You should consult your tax advisor regarding
possible alternative tax treatments of the securities and potential changes in applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Non-U.S. Holders. </B>The U.S. federal income
tax treatment of the coupons is unclear. Subject to the discussion below and in the accompanying product supplement under &ldquo;United
States Federal Tax Considerations&mdash;Tax Consequences to Non-U.S. Holders&rdquo; and &ldquo;United States Federal Tax Considerations&mdash;FATCA,&rdquo;
we currently do not intend to treat coupons paid to a Non-U.S. Holder (as defined in the accompanying product supplement) of the securities
as subject to U.S. federal withholding tax, provided that the Non-U.S. Holder complies with applicable certification requirements. However,
it is possible that the IRS could assert that such payments are subject to U.S. withholding tax, or that we or another withholding agent
may otherwise determine that withholding is required, in which case we or the other withholding agent may withhold at a rate of up to
30% on such payments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Moreover, as discussed under &ldquo;United States
Federal Tax Considerations&mdash;Tax Consequences to Non-U.S. Holders&mdash;Dividend Equivalents under Section 871(m) of the Code&rdquo;
in the accompanying product supplement, Section 871(m) of the Internal Revenue Code generally imposes a 30% withholding tax on &ldquo;dividend
equivalents&rdquo; paid or deemed paid to Non-U.S. Holders with respect to certain financial instruments linked to U.S. equities or indices
that include U.S. equities. Treasury regulations under Section 871(m), as modified by an IRS notice, exclude from their scope financial
instruments issued prior to January 1, 2023 that do not have a &ldquo;delta&rdquo; of one with respect to any U.S. equity. Based on the
terms of the securities and representations provided by us as of the date of this preliminary pricing supplement, our counsel is of the
opinion that the securities should not be treated as transactions that have a &ldquo;delta&rdquo; of one within the meaning of the regulations
with respect to any U.S. equity and, therefore, should not be subject to withholding tax under Section 871(m). However, the final determination
regarding the treatment of the securities under Section 871(m) will be made as of the pricing date for the securities and it is possible
that the securities will be subject to withholding tax under Section 871(m) based on circumstances on that date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">A determination that the securities are not subject
to Section 871(m) is not binding on the IRS, and the IRS may disagree with this determination. Moreover, Section 871(m) is complex and
its application may depend on your particular circumstances, including your other transactions. You should consult your tax advisor regarding
the potential application of Section 871(m) to the securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We will not be required to pay any additional
amounts with respect to U.S. federal withholding taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>You should read the section entitled &ldquo;United
States Federal Tax Considerations&rdquo; in the accompanying product supplement. The preceding discussion, when read in combination with
that section, constitutes the full opinion of Davis Polk &amp; Wardwell LLP regarding the material U.S. federal tax consequences of owning
and disposing of the securities.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>You should also consult your tax advisor regarding
all aspects of the U.S. federal income and estate tax consequences of an investment in the securities and any tax consequences arising
under the laws of any state, local or non-U.S. taxing jurisdiction.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt"></P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font-size: 10pt; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 86%"> <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due August 29, 2023</B></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826">&nbsp;</P></TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR></TABLE><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt">&nbsp;</P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Appendix</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The material included in this Appendix was prepared
by WFS and will be distributed to investors in connection with the offering of the securities described in this pricing supplement. This
material does not constitute terms of the securities. Instead, the securities will have the terms specified in the prospectus, the prospectus
supplement, the product supplement and the underlying supplement, as supplemented or superseded by this pricing supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>


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    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><IMG SRC="image_logo.jpg" ALT=""><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 18pt Archer,serif; margin: 0pt 0 0pt 5.4pt; color: #231F20"><I>Market Linked Securities</I></P>

<P STYLE="font: 18pt Archer,serif; margin: 0pt 0 0pt 5.4pt; color: #231F20"></P>

<P STYLE="font: 30pt Archer,serif; margin: 0pt 0; color: #B41630">Auto-Callable with Contingent Coupon and Contingent Downside
Linked to the Lowest Performing Underlying</P>

<P STYLE="font: 30pt Archer,serif; margin: 0pt 0; color: #B41630">&nbsp;<IMG SRC="cover.jpg" ALT=""></P>

<P STYLE="font: 10pt Archer Light; margin: 0pt 244.85pt 0pt 5.8pt; color: #231F20"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Archer Light; margin: 0pt 244.85pt 0pt 5.8pt; color: #231F20"><I>This material was prepared by Wells Fargo
Securities, LLC, a registered broker-dealer and separate non-bank affiliate of Wells Fargo &amp; Company. This material is not
a product of Wells Fargo &amp; Company research departments. Please see the relevant offering materials for complete product descriptions,
including related risk and tax disclosure. </I></P>

<P STYLE="font: 10pt Archer Light; margin: 0pt 244.85pt 0pt 5.8pt; color: #231F20"></P>

<P STYLE="font: 13pt Archer,serif; margin: 0pt 0 0pt 5.8pt; text-align: justify; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 5.2pt 0pt 5.8pt; text-align: justify; color: #231F20">MARKET LINKED SECURITIES &#8211;
AUTO-CALLABLE WITH CONTINGENT COUPON AND CONTINGENT DOWNSIDE LINKED TO THE LOWEST PERFORMING UNDERLYING ARE NOT DEPOSITS OR OTHER
OBLIGATIONS OF A DEPOSITORY INSTITUTION AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION, THE DEPOSIT INSURANCE
FUND OR ANY OTHER GOVERNMENTAL AGENCY OF THE UNITED STATES OR ANY OTHER JURISDICTION.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 5.2pt 0pt 5.8pt; text-align: justify; color: #231F20">&nbsp;</P>


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<P STYLE="font: 11pt Archer,serif; margin: 0pt 5.4pt 0pt 5pt; color: #231F20">Market Linked Securities &#8211; Auto-Callable with
Contingent Coupon and Contingent Downside Linked to the Lowest Performing Underlying have complex features and are not appropriate
for all investors. Before deciding to make an investment, you should read and understand the applicable preliminary pricing supplement
and other related offering documents provided by the applicable issuer.</P>

<P STYLE="font: 11pt Archer,serif; margin: 0pt 5.4pt 0pt 5pt; color: #231F20">&nbsp;</P>

<TABLE CELLPADDING="5" CELLSPACING="0" STYLE="font: 11pt Archer,serif; background-color: rgb(191,106,30); border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 100%"><P STYLE="font: 18pt Archer,serif; margin: 0pt 8.7pt 0pt 8.95pt; color: white">Market Linked Securities &ndash; Auto-Callable with
Contingent Coupon and Contingent Downside Linked to the Lowest Performing Underlying</P>
</TD></TR>
</TABLE>

<P STYLE="font: 11pt Archer,serif; margin: 0pt 5.4pt 0pt 5pt; color: #231F20"></P>

<P STYLE="font: 11pt Archer,serif; margin: 0pt 5.4pt 0pt 5pt; color: #231F20"></P>

<P STYLE="font: 11pt Archer,serif; margin: 0pt 5.4pt 0pt 5pt; color: #231F20">&nbsp;&nbsp;</P>

<P STYLE="font: 14pt Archer,serif; margin: 0pt 5.4pt 0pt 5pt; color: #005776">Market Linked Securities &#8211; Auto-Callable with
Contingent Coupon and Contingent Downside Linked to the Lowest Performing Underlying (&#8220;these Market Linked Securities&#8221;)
offer the potential to receive contingent coupon payments at a higher rate than the issuer would pay on ordinary debt securities
of comparable maturity. In exchange, these Market Linked Securities are subject to greater risks than ordinary debt securities,
including the risk that one or more, or all, contingent coupon payments may not be paid and the risk that you may lose a significant
portion, or possibly all, of your investment at maturity. The contingent coupon payments and the risk of loss at maturity will
depend on the performance of the <B>lowest performing </B>of two or more specified market measures, which may be indices or exchange-traded
funds (the &#8220;underlyings&#8221;). If the closing level of the lowest performing underlying has not declined below a specified
threshold level on a designated calculation day, you will receive a contingent coupon payment on the related payment date; however,
if the lowest performing underlying has declined below its threshold level, you will not receive a contingent coupon payment for
that payment date. If the lowest performing underlying has declined below a specified threshold level on the final calculation
day, you will incur a loss at maturity equal to the full decline of the lowest performing underlying. If the lowest performing
underlying is flat or has appreciated as of a designated call date, these Market Linked Securities will be automatically called
prior to maturity, ending the potential to receive any future contingent coupon payments.</P>

<P STYLE="font: 14pt Archer,serif; margin: 0pt 5.4pt 0pt 5pt; color: #005776">&nbsp;</P>

<P STYLE="font: 14pt Archer,serif; margin: 0pt 6.95pt 0pt 5pt; color: #005776">These Market Linked Securities are designed for
investors who seek the potential for contingent coupon payments at a higher rate than the rate the issuer would pay on ordinary
debt securities of comparable maturity and, in exchange, are willing to assume the downside risk of the lowest performing underlying.
Although investors will be exposed to the downside risk of the lowest performing underlying, investors will not participate in
any appreciation of any underlying. The return on these Market Linked Securities will depend <B>solely</B> on the performance of
the underlying that is the lowest performing underlying on each calculation day. Therefore, investors will be adversely affected
if any underlying declines below its threshold level, even if the other underlying(s) perform favorably. If the issuer defaults
on its payment obligations, you could lose your entire investment.</P>

<P STYLE="font: 14pt Archer,serif; margin: 0pt 6.95pt 0pt 5pt; color: #005776">&nbsp;</P>

<P STYLE="font: 11pt Archer,serif; margin: 0pt 5.4pt 0pt 5pt; color: #231F20">These Market Linked Securities are unsecured debt
obligations of the issuer. You will have no ability to pursue any underlying or any assets included in any underlying for payment.</P>

<P STYLE="font: 11pt Archer,serif; margin: 0pt 5.4pt 0pt 5pt; color: #231F20">&nbsp;</P>


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<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<TABLE CELLPADDING="5" CELLSPACING="0" STYLE="font: 11pt Archer,serif; background-color: rgb(191,106,30); border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 100%"><P STYLE="font: 18pt Archer,serif; margin: 0pt 3.55pt 0pt 9pt; color: white">Market Linked Securities &ndash; Auto-Callable with
Contingent Coupon and Contingent Downside Linked to the Lowest Performing Underlying</P></TD></TR>
</TABLE>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 5.05pt; text-indent: 0in; color: #231F20">Unlike
ordinary debt securities, these Market Linked Securities do not provide for fixed payments of interest, do not repay a fixed amount
of principal at maturity, and are subject to potential automatic call prior to maturity upon the terms described below. Whether
these Market Linked Securities pay a contingent coupon, whether they are automatically called prior to maturity, and, if they are
not automatically called, whether you are repaid your principal at maturity will depend, in each case, on the performance of the
<B>lowest performing underlying</B>. The lowest performing underlying on each calculation day is the underlying that has the lowest
closing level on that calculation day as a percentage of its starting level (i.e., its closing level divided by its starting level).</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 5.05pt; text-indent: 0in; color: #231F20">The key features of these Market
Linked Securities are described below.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-right: 11.25pt"><FONT STYLE="font-family: Archer,serif"><B>Contingent coupon payments: </B>These Market Linked
Securities provide for contingent coupon payments on periodic contingent coupon payment dates (typically occurring quarterly, semi-annually
or annually throughout the term of these Market Linked Securities). On each contingent coupon payment date, you will receive a
contingent coupon payment if, <B>and only if</B>, the closing level of the lowest performing underlying on the related calculation
day (typically three to five business days prior to the contingent coupon payment date) has not declined below a specified threshold
level. If the closing level of the lowest performing underlying is less than its threshold level on a given calculation day, you
will not receive a contingent coupon payment on the related contingent coupon payment date. If the closing level of the lowest
performing underlying is less than its threshold level on every calculation day, you will not receive any contingent coupon payments
throughout the entire term of these Market Linked Securities.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-right: 14.95pt"><FONT STYLE="font-family: Archer,serif"><B>Automatic call:</B> These Market Linked Securities
will be subject to automatic call prior to maturity on specified call dates (which are generally a subset of the calculation days,
typically beginning after a specified &#8220;non-call period&#8221;). If the closing level of the lowest performing underlying
on any call date is greater than or equal to its closing level on the pricing date (its <B>starting level</B>), these Market Linked
Securities will be automatically called, and on the related call settlement date (typically three to five business days after the
relevant call date), you will receive a cash payment equal to the original offering price, plus a final contingent coupon payment,
and no further payments will be made. The automatic call feature limits your potential to receive contingent coupon payments over
the full term of the securities if the lowest performing underlying has appreciated as of a designated call date. If these Market
Linked Securities have a non-call period, you have the ability to receive contingent coupon payments during such non-call period,
if the closing level of the lowest performing underlying on a calculation day during such non-call period has not declined below
its threshold level.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; color: #231F20"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 9pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="padding-right: 8.7pt"><FONT STYLE="font-family: Archer,serif"><B>Potential loss of principal: </B>If these Market Linked
Securities are not automatically called prior to maturity, you will be repaid your principal at maturity if, <B>and only if</B>,
the closing level of the lowest performing underlying on the final calculation day (its <B>ending level</B>) has not declined below
a specified threshold level. If these Market Linked Securities are not automatically called prior to maturity and the ending level
of the lowest performing underlying is less than its threshold level, you will have full downside exposure to the decline in the
level of the lowest performing underlying from its starting level, and you will incur a significant loss at maturity.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 2.55pt 0pt 5.05pt; text-indent: 0in; color: #231F20">The <B>threshold level </B>for
each underlying will be less than its starting level. A particular issuance of these Market Linked Securities may specify a single
threshold level (for each underlying) that is applicable to both the contingent coupon payments and the contingent repayment of
principal at maturity, or it may specify two different threshold levels (i.e., a coupon threshold level applicable to the contingent
coupon payments and a separate downside threshold level applicable to the contingent repayment of principal at maturity).</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 2.55pt 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 6pt 0pt 5.05pt; text-indent: 0in; color: #231F20"><B>Any return on these Market
Linked Securities will be limited to the sum of the contingent coupon payments, if any. Investors will not participate in any appreciation
of any underlying, but will be fully exposed to any decline of the lowest performing underlying, if its ending level is less than
its threshold level.</B></P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 6pt 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 6.95pt 0pt 5.05pt; text-indent: 0in; color: #231F20"><B>The return on these Market
Linked Securities will depend solely on the performance of the underlying that is the lowest performing underlying on each calculation
day and/or call date. Investors will not benefit in any way from the performance of the better performing underlying(s). Therefore,
investors will be adversely affected if any underlying declines below its threshold level(s), even if the other underlying(s) perform
favorably. These Market Linked Securities are riskier than they would otherwise be if they were linked to only one of the underlyings
or linked to a basket composed of each underlying. These Market Linked Securities will be subject to the full risks of each underlying,
with no offsetting benefit from the better performing underlying(s).</B></P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 6.95pt 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>


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<P STYLE="font: 14pt Archer,serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #005776; text-align: left"><B>Determining payment on a contingent
coupon payment date, call settlement date, or at maturity</B></P>

<P STYLE="font: 14pt Archer,serif; color: #005776; margin: 0pt 0 0pt 4.5pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; margin-top: 0pt; margin-right: 38.9pt; margin-bottom: 0pt; text-align: left; color: #231F20">Unless
these Market Linked Securities are previously called, on each contingent coupon payment date, you will either receive a contingent
coupon payment or you will not receive a contingent coupon payment, depending on the closing level of the lowest performing underlying
on the related calculation day.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 38.9pt 0pt 5.05pt; text-align: justify; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 2.9pt 0pt 5.05pt; text-indent: 0in"><IMG SRC="page4_001.jpg" ALT="" STYLE="height: 193px; width: 654px"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 2.9pt 0pt 5.05pt; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 2.9pt; margin-bottom: 0pt; color: #231F20">On each call date, these Market
Linked Securities may be automatically called depending on the closing level of the lowest performing underlying on that call date.
The diagram below illustrates how to determine whether these Market Linked Securities will be automatically called and the payment
upon automatic call (in additional to a final contingent coupon payment) assuming an offering price of $1,000 per security.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 2.9pt 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 2.9pt 0pt 5.05pt; text-indent: 0in"><IMG SRC="page4_002.jpg" ALT="" STYLE="height: 171px; width: 654px"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 2.9pt 0pt 5.05pt; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 2.9pt; margin-bottom: 0pt; color: #231F20">If these Market Linked Securities
have not been called prior to maturity, the payment at maturity will be based on the ending level, threshold level, and starting
level of the lowest performing underlying on the final calculation day. The diagram below illustrates how to determine the payment
at maturity (in addition to a final contingent coupon payment, if any) assuming an offering price of $1,000 per security.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 2.9pt 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0.1in 0pt 5.05pt; text-indent: 0in"><IMG SRC="page4_003.jpg" ALT="" STYLE="height: 239px; width: 661px"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0.1in 0pt 5.05pt; text-indent: 0in">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 14pt Archer,serif; text-align: left; color: #005776; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><B>Hypothetical examples</B></P>

<P STYLE="font: 14pt Archer,serif; color: #005776; margin: 0pt 0 0pt 6.25pt">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 2.15pt; margin-bottom: 0pt; color: #231F20">The examples below are hypothetical
and are provided for informational purposes only. They are not intended to represent any specific return, yield, or investment.
They do not illustrate all possible outcomes and they are not indicative of future results. The examples illustrate the contingent
coupon payments, the automatic call feature and, if an automatic call does not occur, the payment at maturity of these Market Linked
Securities, assuming the following terms:</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 2.15pt 0pt 6.5pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="5" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; width: 46%; text-indent: 0in"><FONT STYLE="font-family: Archer,serif; font-size: 10pt; color: #231F20">Term:</FONT></TD>
    <TD STYLE="width: 54%; text-indent: 0in"><FONT STYLE="font-family: Archer,serif; font-size: 10pt; color: #231F20">Three years, unless earlier automatically called</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0in"><FONT STYLE="font-family: Archer,serif; font-size: 10pt; color: #231F20">Original Offering Price:</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Archer,serif; font-size: 10pt; color: #231F20">$1,000 per Market &nbsp;Linked Security</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0in"><FONT STYLE="font-family: Archer,serif; font-size: 10pt; color: #231F20">Calculation Days/Contingent Coupon Payment Dates:</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Archer,serif; font-size: 10pt; color: #231F20">Semi-annually</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0in"><FONT STYLE="font-family: Archer,serif; font-size: 10pt; color: #231F20">Call Dates:</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Archer,serif; font-size: 10pt; color: #231F20">Semi-annually (on each calculation day starting approximately one year after issuance)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0in"><FONT STYLE="font-family: Archer,serif; font-size: 10pt; color: #231F20">Contingent Coupon Rate:</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Archer,serif; font-size: 10pt; color: #231F20">7.00% per annum (or 3.5% per semi-annual period)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0pt; text-indent: 0in"><FONT STYLE="font-family: Archer,serif; font-size: 10pt; color: #231F20">Threshold Level:</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="font-family: Archer,serif; font-size: 10pt; color: #231F20">With respect to each underlying, 70% of its starting level</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Archer,serif; margin: 0pt 0.1in 0pt 6.5pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 0.1in; margin-bottom: 0pt; color: #231F20">The examples below assume that
these Market Linked Securities are linked to the lowest performing of two underlyings. However, a particular issuance of these
Market Linked Securities may be linked to the lowest performing of three or more underlyings. With more underlyings, you will be
exposed to a greater risk of not receiving contingent coupon payments, and of incurring a significant loss on your investment at
maturity.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0.1in 0pt 6.5pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 22pt; margin-bottom: 0pt; color: #231F20">The first two hypothetical examples
below illustrate scenarios in which these Market Linked Securities are automatically called on a call date prior to maturity. The
third and fourth hypothetical examples below illustrate scenarios in which these Market Linked Securities are not automatically
called and the payment at maturity is based on the performance of the lowest performing underlying from its starting level to its
ending level.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 22pt 0pt 6.5pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 12.4pt; margin-bottom: 0pt"><FONT STYLE="color: #231F20">In the examples
below, the color </FONT><FONT STYLE="color: #3A84B6"><B>blue </B></FONT><FONT STYLE="color: #231F20">indicates that the closing
level of the lowest performing underlying is greater than or equal to its starting level; the color </FONT><FONT STYLE="color: #2CB34A"><B>green
</B></FONT><FONT STYLE="color: #231F20">indicates that the closing level of the lowest performing underlying is less than its starting
level, but greater than or equal to its threshold level; and the color </FONT><FONT STYLE="color: #B41630"><B>red </B></FONT><FONT STYLE="color: #231F20">indicates
that the closing level of the lowest performing underlying is less than its threshold level. The lowest performing underlying on
a given calculation day is the underlying that had the lowest closing level on that calculation day as a percentage of its starting
level (i.e., its closing level <I>divided by </I>its starting level).</FONT></P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 12.4pt 0pt 6.5pt; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #231F20"><B>Example 1: These Market Linked
Securities are automatically called on the first call date.</B></P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 6.5pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="5" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #BF6A1E">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; width: 26%; padding-left: 50.5pt; text-indent: -18.25pt; font-size: 11pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: white"><B>Calculation Day/ Call Date</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: center; width: 21%; border-bottom: white 1pt solid; vertical-align: middle">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0.1in 0.35pt 0 0.25pt; text-align: center; color: white"><B>Closing
        level of Underlying 1</B></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0.35pt 0 0.25pt; text-align: center; color: white"><B>(% of its starting
        level)</B></P></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: center; width: 21%; border-bottom: white 1pt solid; vertical-align: middle">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0.1in 0.35pt 0 0.25pt; text-align: center; color: white"><B>Closing
        level of Underlying 2</B></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 0.35pt 0 0.25pt; text-align: center; color: white"><B>(% of its starting
        level)</B></P></TD>
    <TD STYLE="border-bottom: white 1pt solid; text-align: center; width: 32%; vertical-align: middle">
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 13.8pt 9.15pt 0 8.55pt; color: white"><B>Payment</B></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 9.15pt 0 8.75pt; color: white"><B>(% of original
        offering price)</B></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #EED7C1">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: left; vertical-align: middle">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0; margin-right: 0; margin-bottom: 0; color: #231F20">6 months from the pricing date</P></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: center; border-bottom: white 1pt solid; vertical-align: middle">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.3pt 0 0.25pt; text-align: center; color: #3A84B6"><B>105%</B></P></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: center; border-bottom: white 1pt solid; vertical-align: middle">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0; color: #231F20">115%</P></TD>
    <TD STYLE="border-bottom: white 1pt solid; text-align: center; vertical-align: middle">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 6.9pt; margin-right: 0; margin-bottom: 0; color: #231F20">Contingent
        coupon payment date: </P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin: 0 0 0 4pt; color: #3A84B6"><B>3.5%</B></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #E2B892">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: left; padding-left: 4.5pt; font-size: 11pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">1 year from the pricing date (first call date)</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: center; border-bottom: white 1pt solid; vertical-align: middle">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.35pt 0 0.2pt; text-align: center; color: #3A84B6"><B>110%</B></P></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: center; border-bottom: white 1pt solid; vertical-align: middle">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0; color: #231F20">120%</P></TD>
    <TD STYLE="border-bottom: white 1pt solid; text-align: center; vertical-align: middle">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0; margin-right: 0; margin-bottom: 0"><FONT STYLE="color: #231F20">Call settlement date: </FONT><FONT STYLE="color: #3A84B6"><B>103.5%</B></FONT></P></TD></TR>
</TABLE>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 6.5pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #231F20">Because
of the one-year non-call period, even though the closing level of the lowest performing underlying was greater than its
starting level on the first calculation day (six months from the pricing date), these Market Linked Securities would not be
automatically called, and you would receive a contingent coupon payment on the related contingent coupon payment date.
Because the closing level of the lowest performing underlying on the first call date (one year from the pricing date) is
greater than its starting level, these Market Linked Securities would be automatically called on the first call date. On the
related call settlement date, you would receive $1,035.00 per Market Linked Security, which is <FONT STYLE="font-size: 10pt">equal
to the original offering price plus the contingent coupon payment due on the call settlement date (which is also a contingent
coupon payment date). No further amounts will be owed to you under these Market Linked Securities.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 6.5pt">&nbsp;</P>


<!-- Field: Page; Sequence: 5 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: right; color: rgb(35,31,32)">Market Linked Securities &mdash; Auto-Callable with Contingent Coupon and Contingent Downside Linked to the Lowest Performing Underlying | <!-- Field: Sequence; Type: Arabic; Name: PageNo -->A-5<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 5.75pt; text-indent: 0in; color: #231F20"><B>Example 2: These Market Linked
Securities are automatically called on the third call date.</B></P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 5.75pt; text-indent: 0in; color: #231F20">&nbsp;<TABLE CELLSPACING="0" CELLPADDING="5" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #BF6A1E">
    <TD STYLE="border: white 1pt solid; text-align: left; width: 27%; padding-left: 50pt; text-indent: -18.25pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>Calculation
    Day/ Call Date</B></FONT></TD>
    <TD STYLE="border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; width: 21%; vertical-align: middle"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 6.7pt 2.05pt 0 1.8pt; color: white"><FONT STYLE="font-size: 10pt"><B>Closing
        level of Underlying 1</B></FONT></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 2.05pt 0 1.85pt; color: white"><FONT STYLE="font-size: 10pt"><B>(%
        of its starting level)</B></FONT></P></TD>
    <TD STYLE="border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; width: 21%; vertical-align: middle"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 6.7pt 2.05pt 0 1.8pt; color: white"><FONT STYLE="font-size: 10pt"><B>Closing
        level of Underlying 2</B></FONT></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 2.05pt 0 1.85pt; color: white"><FONT STYLE="font-size: 10pt"><B>(%
        of its starting level)</B></FONT></P></TD>
    <TD STYLE="border-top: white 1pt solid; text-align: left; width: 31%; border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: middle"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 13.3pt 13.2pt 0 13.1pt; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><B>Payment</B></FONT></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 13.2pt; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><B>(%
        of original offering price)</B></FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #EED7C1">
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 4pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">6
    months from the pricing date</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: middle; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">105%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: middle; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>60%</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; padding-left: 4pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">Contingent
    coupon payment date: </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>0.0%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #E2B892">
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 3.95pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">1
    year from the pricing date (first call date)</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: middle; text-align: center"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0; margin-bottom: 0; color: #231F20"><FONT STYLE="font-size: 10pt">107%</FONT></P></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; vertical-align: middle"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; color: #B41630"><FONT STYLE="font-size: 10pt"><B>65%</B></FONT></P></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; vertical-align: middle"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0; margin-right: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt; color: #231F20">Contingent
        coupon payment date: </FONT><FONT STYLE="font-size: 10pt; color: #B41630"><B>0.0%</B></FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #EED7C1">
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 4pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">18
    months from the pricing date</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: middle; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">110%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: middle; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>69%</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; padding-left: 3.95pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">Contingent
    coupon payment date: </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>0.0%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #E2B892">
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 3.95pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">2
    years from the pricing date</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: middle; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">115%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; vertical-align: middle; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #3A84B6"><B>105%&nbsp;&nbsp;</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; padding-left: 3.95pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">Call
    settlement date: </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #3A84B6"><B>103.5%</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Archer,serif; margin: 0pt 11.3pt 0pt 5.75pt; text-indent: 0in; color: #231F20">
<P STYLE="font: 10pt Archer,serif; margin: 0pt 11.3pt 0pt 5.75pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #231F20">Because the closing level of
the lowest performing underlying is less than its threshold level on the first three calculation days (and first two call dates),
these Market Linked Securities would not be automatically called and you would not receive a contingent coupon payment on those
dates, even though the closing level of the better performing underlying on those dates was greater than its threshold level. Because
the closing level of the lowest performing underlying on the third call date is greater than its starting level, these Market Linked
Securities would be automatically called on that call date. On the related call settlement date, you would receive $1,035.00 per
Market Linked Security, which is equal to the original offering price plus the contingent coupon payment due on the call settlement
date (which is also a contingent coupon payment date). No further amounts will be owed to you under these Market Linked Securities.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 11.3pt 0pt 5.75pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #231F20">As this example illustrates,
whether you receive a contingent coupon payment, and whether these Market Linked Securities are automatically called on a contingent
coupon payment date will depend solely on the closing level of the lowest performing underlying on the relevant calculation day
and/or call date. The performance of the better performing underlying is not relevant to your return on these Market Linked Securities.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 7.05pt 0pt 5.75pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #231F20"><B>Example 3: These Market Linked
Securities are NOT automatically called prior to maturity and the ending level of the lowest performing underlying is greater than
its threshold level.</B></P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 5.75pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="5" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #BF6A1E">
    <TD STYLE="border: white 1pt solid; text-align: center; width: 27%; padding-left: 50pt; text-indent: -18.25pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>Calculation
    Day/ Call Date</B></FONT></TD>
    <TD STYLE="border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; width: 20%; vertical-align: middle"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 6.7pt 2.05pt 0 1.8pt; color: white"><FONT STYLE="font-size: 10pt"><B>Closing
        level of Underlying 1</B></FONT></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 2.05pt 0 1.85pt; color: white"><FONT STYLE="font-size: 10pt"><B>(%
        of its starting level)</B></FONT></P></TD>
    <TD STYLE="border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; width: 20%; vertical-align: middle"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 6.7pt 2.05pt 0 1.8pt; color: white"><FONT STYLE="font-size: 10pt"><B>Closing
        level of Underlying 2</B></FONT></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 2.05pt 0 1.85pt; color: white"><FONT STYLE="font-size: 10pt"><B>(%
        of its starting level)</B></FONT></P></TD>
    <TD STYLE="border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; width: 33%; vertical-align: middle"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 13.3pt 13.2pt 0 13.1pt; color: white"><FONT STYLE="font-size: 10pt"><B>Payment</B></FONT></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0 13.2pt; color: white"><FONT STYLE="font-size: 10pt"><B>(%
        of original offering price)</B></FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #EED7C1">
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 4pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">6
    months from the pricing date</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: middle; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #2CB34A"><B>90%</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: middle; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">120%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; padding-left: 4pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">Contingent
    coupon payment date: </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #2CB34A"><B>3.5%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #E2B892">
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 3.95pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">1
    year from the pricing date (first call date)</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: center; border-bottom: white 1pt solid; vertical-align: middle"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 2pt 0 1.85pt; color: #231F20"><FONT STYLE="font-size: 10pt">101%</FONT></P></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: center; border-bottom: white 1pt solid; vertical-align: middle"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 2pt 0 1.85pt; color: #2CB34A"><FONT STYLE="font-size: 10pt"><B>80%</B></FONT></P></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; vertical-align: middle"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3.95pt"><FONT STYLE="font-size: 10pt; color: #231F20">Contingent
        coupon payment date: </FONT><FONT STYLE="font-size: 10pt; color: #2CB34A"><B>3.5%</B></FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #EED7C1">
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 3.95pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">18
    months from the pricing date</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: middle; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">80%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: middle; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>65%</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; padding-left: 3.95pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">Contingent
    coupon payment date: </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>0.0%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #E2B892">
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 3.95pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">2
    years from the pricing date</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: middle; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>60%</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: middle; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">90%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; padding-left: 3.95pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">Contingent
    coupon payment date: </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>0.0%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #EED7C1">
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 3.95pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">30
    months from the pricing date</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: middle; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>65%</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: middle; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">95%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; padding-left: 3.95pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">Contingent
    coupon payment date: </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>0.0%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #E2B892">
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 3.95pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">3
    years from the pricing date</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: middle; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #2CB34A"><B>75%
    </B></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">(ending level)</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; vertical-align: middle; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">110%
    (ending level)</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; text-align: left; border-bottom: white 1pt solid; padding-left: 4pt; vertical-align: middle"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">Maturity
    date: </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #2CB34A"><B>103.5%</B></FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 19.45pt 0pt 5.75pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #231F20">Because
the closing level of the lowest performing underlying is less than its starting level on each call date, these Market Linked Securities
would not be automatically called prior to maturity. The closing level of the lowest performing underlying is greater than its
threshold level on three of the six calculation days, resulting in a contingent coupon payment on three of the contingent coupon
payment dates (including the maturity date), but no contingent coupon payment on the other three contingent coupon payment dates.
On the final calculation day, because the ending level of the lowest performing underlying is greater than its threshold level,
on the maturity date you would receive $1,035.00 per Market Linked Security, which is equal to the original offering price plus
the contingent coupon payment due on the maturity date (which is also a contingent coupon payment date).</P>




<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 4.3pt; margin-bottom: 0pt; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 4.3pt; margin-bottom: 0pt; color: #231F20"></P>

<!-- Field: Page; Sequence: 6; Value: 2 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1pt; color: rgb(35,31,32)"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->A-6<!-- Field: /Sequence -->| Market Linked Securities &mdash; Auto-Callable with Contingent Coupon and Contingent Downside Linked to the Lowest Performing Underlying</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 1pt; color: #231F20">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 4.3pt; margin-bottom: 0pt; color: #231F20"></P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 4.3pt; margin-bottom: 0pt; color: #231F20"><B>Example 4: These Market Linked
Securities are NOT automatically called prior to maturity and the ending level of the lowest performing underlying is less than
its threshold level.</B></P>

<P STYLE="font: 10pt Archer,serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #BF6A1E">
    <TD STYLE="border: white 1pt solid; width: 27%; padding-left: 50pt; text-indent: -18.25pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: white"><B>Calculation
    Day/ Call Date</B></FONT></TD>
    <TD STYLE="border-top: white 1pt solid; width: 20%; border-right: white 1pt solid; border-bottom: white 1pt solid"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 2.05pt 0pt 1.8pt; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><B>Closing
        level of Underlying 1</B></FONT></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 2.05pt 0pt 1.85pt; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><B>(%
        of its starting level)</B></FONT></P></TD>
    <TD STYLE="border-top: white 1pt solid; width: 20%; border-right: white 1pt solid; border-bottom: white 1pt solid"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 2.05pt 0pt 1.8pt; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><B>Closing
        level of Underlying 2&nbsp;</B></FONT></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 2.05pt 0pt 1.85pt; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><B>(%
        of its starting level)</B></FONT></P></TD>
    <TD STYLE="border-top: white 1pt solid; width: 33%; border-right: white 1pt solid; border-bottom: white 1pt solid"><P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 13.2pt 0pt 13.1pt; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><B>Payment</B></FONT></P>
        <P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 13.2pt; text-align: center; color: white"><FONT STYLE="font-size: 10pt"><B>(%
        of original offering price)</B></FONT></P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #EED7C1">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">6 months from the pricing date</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">80%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>68%</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 3.95pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">Contingent coupon payment date: </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>0.0%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #E2B892">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 3.95pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">1 year from the pricing date (first call date)</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1.95pt 0pt 1.85pt; text-align: center; color: #231F20">100%</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1.95pt 0pt 1.85pt; text-align: center; color: #231F20">&nbsp;</P></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1.95pt 0pt 1.85pt; text-align: center; color: #B41630"><B>65%</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1.95pt 0pt 1.85pt; text-align: center; color: #B41630">&nbsp;</P></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.95pt"><FONT STYLE="color: #231F20">Contingent coupon payment
        date: </FONT><FONT STYLE="color: #B41630"><B>0.0%</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.95pt">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top; background-color: #EED7C1">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 3.95pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">18 months from the pricing date</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">90%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>62%</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 3.95pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">Contingent coupon payment date: </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>0.0%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #E2B892">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 3.95pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">2 years from the pricing date</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">110%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>55%</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 3.95pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">Contingent coupon payment date: </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>0.0%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #EED7C1">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 3.95pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">30 months from the pricing date</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">120%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>45%</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 3.95pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">Contingent coupon payment date: </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>0.0%</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: #E2B892">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; padding-left: 3.95pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">3 years from the pricing date</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">130% (ending level)</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>50% </B></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">(ending level)</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 3.95pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #231F20">Maturity date: </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #B41630"><B>50.0%</B></FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Archer,serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #231F20">Because the closing level of
the lowest performing underlying is less than its threshold level on each calculation day and call date, these Market Linked Securities
would not be automatically called prior to maturity, and would not pay a contingent coupon payment on any contingent coupon payment
date. On the final calculation day, because the ending level of the lowest performing underlying is less than its threshold level,
you would incur a loss on your investment equal to the full decline of the lowest performing underlying from its starting level
to its ending level. Your payment at maturity in this example would be calculated as follows (assuming Underlying 2, which was
the lowest performing underlying on the final calculation day, had a hypothetical starting level of 1,000 and a hypothetical ending
level of 500):</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 4.3pt 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.25pt; text-align: center; text-indent: 0.5in"><IMG SRC="page7_001.jpg" ALT=""></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.25pt; text-align: center; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #231F20">On the stated maturity date, you
would receive $500.00 per Market Linked Security, resulting in a loss of 50%.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #231F20">This example illustrates that you
will not participate in any appreciation of either underlying, but will be fully exposed to the depreciation of the lowest performing
underlying, if its ending level on the final calculation day is less than its threshold level, even if the ending level of the
other underlying has appreciated or has not declined below its respective threshold level.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #231F20">All payments on these Market
Linked Securities are subject to the ability of the issuer to make such payments to you when they are due, and you will have no
ability to pursue any underlying or any asset included in any underlying for payment. If the issuer defaults on its payment obligations,
you could lose your entire investment.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 2.75pt 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>


<!-- Field: Page; Sequence: 7 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 265.55pt; margin-bottom: 0pt; color: #231F20"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Archer,serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%"><B><I>This
information, including the graph to the right, is hypothetical and is provided for informational purposes only. It is not intended
to represent any specific return, yield or investment, nor is it indicative of future results. The graph illustrates the potential
payment at maturity on these Market Linked Securities (excluding the final contingent coupon payment, if any), assuming these Market
Linked Securities have not been automatically called prior to maturity. This graph does not take into account contingent coupon
payments, if any, received during the term of these Market Linked Securities. As evidenced in this graph, in no event will you
have a positive rate of return based solely on the payment at maturity; any positive return will be based solely on the contingent
coupon payments, if any.</TD>
    <TD STYLE="text-align: center; width: 50%"><IMG SRC="page8_001.jpg" ALT="">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 265.55pt; margin-bottom: 0pt; color: #231F20"></P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 265.55pt; margin-bottom: 0pt; color: #231F20">&nbsp;</P>

<P STYLE="font: 14pt Archer,serif; text-align: left; color: #005776; margin-top: 0pt; margin-right: 5.4pt; margin-bottom: 0pt"><B>Estimated value of Market Linked Securities &#8211;
Auto-Callable with Contingent Coupon and Contingent Downside Linked to the Lowest Performing Underlying</B></P>

<P STYLE="font: 14pt Archer,serif; color: #005776; margin: 0pt 5.4pt 0pt 6pt">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 7.75pt; margin-bottom: 0pt; color: #231F20">The original offering price
of these Market Linked Securities will include certain costs that are borne by you. Because of these costs, the estimated value
of these Market Linked Securities on the pricing date will be less than the original offering price. If specified in the applicable
pricing supplement, these costs may include the underwriting discount or commission, the hedging profits of the issuer&#8217;s
hedging counterparty (which may be an affiliate of the issuer), and hedging and other costs associated with the offering and costs
relating to the issuer&#8217;s funding considerations for debt of this type. See &#8220;General risks and investment considerations&#8221;
herein and the applicable pricing supplement for more information.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 7.75pt 0pt 5.75pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 9.5pt; margin-bottom: 0pt; color: #231F20">The issuer will disclose the
estimated value of these Market Linked Securities in the applicable pricing supplement. The estimated value of these Market Linked
Securities will be determined by estimating the value of the combination of hypothetical financial instruments that would replicate
the payout on these Market Linked Securities, which combination consists of a non-interest bearing, fixed-income bond and one or
more derivative instruments underlying the economic terms of these Market Linked Securities. You should read the applicable pricing
supplement for more information about the estimated value of these Market Linked Securities and how it is determined.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 9.5pt 0pt 5.75pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 9.5pt 0pt 5.75pt; text-indent: 0in; color: #231F20"></P>




<P STYLE="margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 8; Value: 2 -->
    <DIV STYLE="border-bottom: Black 1pt solid; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1pt; color: rgb(35,31,32)"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->A-8<!-- Field: /Sequence -->| Market Linked Securities &mdash; Auto-Callable with Contingent Coupon and Contingent Downside Linked to the Lowest Performing Underlying</P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 1pt; color: #231F20">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0"></P>

<P STYLE="font: 14pt Archer,serif; margin: 0pt 5.4pt 0pt 5.25pt; color: #005776"></P>

<TABLE CELLPADDING="5" CELLSPACING="0" STYLE="font: 14pt Archer,serif; background-color: rgb(191,106,30); border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="font: 18pt Archer,serif; margin: 0pt 3.55pt 0pt 9pt; color: white; width: 100%"><FONT STYLE="color: White">Which investments are right for you?</FONT></TD></TR>
</TABLE>

<P STYLE="font: 14pt Archer,serif; margin: 0pt 5.4pt 0pt 5.25pt; color: #005776">&nbsp;</P>

<P STYLE="font: 14pt Archer,serif; margin: 0pt 5.4pt 0pt 5.25pt; color: #005776"></P>

<P STYLE="font: 14pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 5.4pt; margin-bottom: 0pt; color: #005776">It is important to read and understand the applicable
preliminary pricing supplement and other related offering documents, and consider several factors before making an investment decision.</P>

<P STYLE="font: 14pt Archer,serif; margin: 0pt 5.4pt 0pt 5.25pt; color: #005776">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 0.05in; margin-bottom: 0pt; color: #231F20">An investment in these Market
Linked Securities may help you modify your portfolio&#8217;s risk-return profile to more closely reflect your market views. However,
at maturity you may incur a loss on your investment, and you will forgo guaranteed interest payments and any return in excess of
the contingent coupon payments, if any.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0.05in 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left; color: #231F20">These Market Linked Securities are
not appropriate for all investors, but may be appropriate for investors who:</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif">Seek the potential
for contingent coupon payments at a higher rate than the issuer would pay on ordinary debt securities of comparable maturity and,
in exchange, are willing to assume the risk of not receiving some or any contingent coupon payments and the downside risk of the
lowest performing underlying if the lowest performing underlying declines below its threshold level</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif">Seek to supplement
their existing investments with the return profile provided by these Market Linked Securities</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #231F20">You can find a discussion of risks
and investment considerations on the next page and in the preliminary pricing supplement and other related offering documents for
these Market Linked Securities. The following questions, which you should review with your financial advisor, are intended to initiate
a conversation about whether these Market Linked Securities are right for you.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 5.05pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif">Are you dependent
on your investments for current income? Can you accept the risk that these Market Linked Securities may not pay one or more, or
any, contingent coupon payments?</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif">Are you comfortable
with the potential loss of a significant portion, and possibly all, of your initial investment as a result of a decline of the
lowest performing underlying below its threshold level?</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif">Are you comfortable
accepting the full downside risks of <B>each</B> underlying?</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif">What is your
time horizon? Do you foresee liquidity needs? Will you be able to hold these investments until maturity or earlier automatic call?</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif">Are you willing
to forgo participation in any appreciation of any underlying?</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif">What is your
sensitivity to the tax treatment for your investments?</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif">Are you willing
to accept the credit risk of the applicable issuer?</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 31.7pt; margin-bottom: 0pt; color: #231F20">Before making an investment
decision, please work with your financial advisor to determine which investment products may be appropriate given your financial
situation, investment goals, and risk profile.</P>

<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 31.7pt; margin-bottom: 0pt; color: #231F20">&nbsp;</P>


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<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 100%"><P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt; color: white">General risks and investment considerations</P>
</TD></TR>
</TABLE>

<P STYLE="margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in">These
Market Linked Securities have complex features and are not appropriate for all investors. They involve a variety of risks and
may be linked to a variety of different underlyings. Each of these Market Linked Securities and each underlying will have its
own unique set of risks and investment considerations. Before you invest in these Market Linked Securities, you should thoroughly
review the relevant preliminary pricing supplement and other related offering documents for a comprehensive discussion of the
risks associated with the investment. The following are general risks and investment considerations applicable to these Market
Linked Securities:</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 9.5pt 0pt 5pt; color: #231F20">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Principal
risk.</B> These Market Linked Securities are not structured to repay your full original offering price on the stated maturity
date. If these Market Linked Securities are not automatically called and the ending level of the lowest performing underlying
is less than its threshold level, you will be fully exposed to the decline of the lowest performing underlying from its starting
level to its ending level and the payment you receive at maturity will be less than the original offering price of these Market
Linked Securities. Under these circumstances, you will lose a substantial portion, and possibly all, of your investment.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Contingent
coupon risk.</B> These Market Linked Securities do not provide for fixed payments of interest. If the closing level of the lowest
performing underlying is less than its threshold level on a given calculation day, you will not receive a contingent coupon payment
on the related contingent coupon payment date. If the closing level of the lowest performing underlying is less than its threshold
level on every calculation day, you will not receive any contingent coupon payments throughout the entire term of these Market
Linked Securities.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Limited return
potential.</B> Even though you will be fully exposed to any decline in the level of the lowest performing underlying, if its ending
level is below its threshold level, you will not participate in any increase in the level of any underlying over the term of these
Market Linked Securities. Your maximum possible return on these Market Linked Securities will be limited to the sum of the contingent
coupon payments you receive, if any.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Automatic
call risk.</B> If these Market Linked Securities are automatically called, the term of these Market Linked Securities will be
less than the full term to maturity. The automatic call feature will limit your potential to receive contingent coupon payments
over the full term of these Market Linked Securities if the closing level of
the lowest performing underlying is greater than or equal to its starting level as of a designated call date. If these Market Linked
Securities are automatically called, there is no guarantee that you would be able to reinvest the proceeds at a comparable return
for a similar level of risk.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 9.15pt 0pt 14pt; color: #231F20">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Lowest performing
underlying risk.</B> These Market Linked Securities are subject to the full risks of each underlying and will be negatively affected
if any underlying declines below its threshold level, even if the other underlying(s) perform favorably. You will not benefit
in any way from the performance of the better performing underlying(s). These Market Linked Securities are not linked to a basket
composed of the underlyings, where the better performance of one underlying could offset the poor performance of the other underlying(s).
Instead, you are subject to the full risks of whichever underlying is the lowest performing underlying on each calculation day
and/or call date. As a result, these Market Linked Securities are riskier than
they would otherwise be if they were linked to only one of the underlyings or linked to a basket composed of each underlying.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 5.4pt 0pt 14pt; color: #231F20">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Correlation
risk.</B> It is generally preferable from your perspective for the underlyings to be correlated with each other during the term
of these Market Linked Securities, so that their levels will tend to increase or decrease at similar times and by similar magnitudes.
By investing in these Market Linked Securities, you assume the risk that the underlyings will not exhibit this relationship. If
the underlyings have low historical correlation, these Market Linked Securities will typically offer a higher contingent coupon
rate, but it will be more likely that one of the underlyings will be performing poorly at any time over the term of these Market
Linked Securities. All that is necessary for these Market Linked Securities to perform poorly is for one of
the underlyings to decline below its threshold level; the performance of the better performing underlying(s) is not relevant to
your return.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 5.4pt 0pt 14pt; color: #231F20">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Liquidity
risk. </B>These Market Linked Securities are not appropriate for investors who may have liquidity needs prior to maturity. These
Market Linked Securities are not listed on any securities exchange and are generally illiquid instruments. Neither Wells Fargo
Securities nor any other person is required to maintain a secondary market for these Market Linked Securities. Accordingly, you
may be unable to sell your Market Linked Securities prior to their maturity date. If you choose to sell these Market Linked Securities
prior to maturity, assuming a buyer is available, you may receive less in sale proceeds than the original offering price.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Market value
uncertain.</B> These Market Linked Securities are not appropriate for investors who need their investments to maintain a stable
value during their term. The value of your Market Linked Securities prior to maturity or automatic call will be affected by numerous
factors, such as performance, volatility, dividend rate of the underlyings (if applicable), interest rates, the time remaining
to maturity, the correlation between the underlyings, and the applicable issuer&#8217;s creditworthiness. The value of these Market
Linked Securities will also be limited by the automatic call feature.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Costs to investors.
</B>The original offering price of these Market Linked Securities will include certain costs that are borne by you. These costs
will adversely affect the economic terms of these Market Linked Securities and will cause their estimated value on the pricing
date to be less than the original offering price. If specified in the applicable pricing supplement, these costs may include the
underwriting discount or commission, the hedging profits of the issuer&#8217;s hedging counterparty (which may be an affiliate
of the issuer), hedging and other costs associated with the offering, and costs relating to the issuer&#8217;s funding considerations
for debt of this type. These costs will adversely affect any secondary market</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></P>




<P STYLE="font: 10pt Archer,serif; margin: 0pt 13.15pt 0pt 14pt; color: #231F20"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Archer,serif; margin: 0pt 13.15pt 0pt 17pt; color: #231F20">price for these Market Linked Securities, which
may be further reduced by a bid-offer spread. As a result, unless market conditions and other relevant factors change significantly
in your favor following the pricing date, any secondary market price for these Market Linked Securities is likely to be less than
the original offering price.</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 13.15pt 0pt 14pt; color: #231F20">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Credit risk.
</B>Any investment in these Market Linked Securities is subject to the ability of the applicable issuer to make payments to you
when they are due, and you will have no ability to pursue any underlying or any assets included in any underlying for payment.
If the issuer defaults on its payment obligations, you could lose your entire investment. In addition, the actual or perceived
creditworthiness of the issuer may affect the value of these Market Linked Securities prior to maturity.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Estimated
value considerations. </B>The estimated value of these Market Linked Securities that is disclosed in the applicable pricing supplement
will be determined by the issuer or an underwriter of the offering, which underwriter may be an affiliate of the issuer and may
be Wells Fargo Securities. The estimated value will be based on the issuer&#8217;s or the underwriter&#8217;s proprietary pricing
models and assumptions, and certain inputs that may be determined by the issuer or underwriter in its discretion. Because other
dealers may have different views on these inputs, the estimated value that is disclosed in the applicable pricing supplement may
be higher, and perhaps materially higher, than the estimated value that would be determined by other dealers in the market. Moreover,
you should understand that the estimated value that is disclosed in the applicable pricing supplement will not be an indication
of the price, if any, at which Wells Fargo Securities or any other person may be willing to buy these Market Linked Securities
from you at any time after issuance.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Conflicts
of interest.</B> Potential conflicts of interest may exist between you and the applicable issuer and/or Wells Fargo Securities.
For example, the applicable issuer, Wells Fargo Securities, or one of their respective affiliates may engage in business with
companies whose securities are included in an underlying, or may publish research
on such companies or an underlying. In addition, the applicable issuer, Wells Fargo Securities, or one of their respective affiliates
may be the calculation agent for the purposes of making important determinations that affect the payments on these Market Linked
Securities. Finally, the estimated value of these Market Linked Securities may be determined by the issuer or an underwriter of
the offering, which underwriter may be an affiliate of the issuer and may be Wells Fargo Securities.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 5.4pt 0pt 14pt; color: #231F20">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Effects of
trading and other transactions. </B>Trading and other transactions by the applicable issuer, Wells Fargo Securities or one of
their respective affiliates could affect the underlyings or the value of these Market Linked Securities.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>ETF risk.
</B>If an underlying is an exchange-traded fund (ETF), it may underperform the index it is designed to track as a result of costs
and fees of the ETF and differences between the constituents of the index and the actual assets held by the ETF. In addition,
an investment in these Market Linked Securities linked to an ETF involves risks related to the index underlying the ETF, as discussed
in the next risk consideration.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Index risk</B>.
If an underlying is an index, or an ETF that tracks an index, your return on these Market Linked Securities may be adversely affected
by changes that the index publisher may make to the manner in which the index is constituted or calculated. Furthermore, if the
index represents foreign securities markets, you should understand that foreign securities markets tend to be less liquid and
more volatile than U.S. markets, and that there is generally less information available about foreign companies than about companies
that file reports with the U.S. Securities and Exchange Commission. Moreover, if the index represents emerging foreign securities
markets, these Market Linked Securities will be subject to the heightened political and economic risks associated with emerging
markets. If the index includes foreign securities and the level of the index is based on the U.S. dollar value of those foreign
securities, these Market Linked Securities will be subject to currency exchange rate risk in addition to the other risks
described above, as the level of the index will be adversely affected if the currencies in which the foreign securities trade depreciate
against the U.S. dollar.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 5.4pt 0pt 14pt; color: #231F20">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Commodity
risk.</B> These Market Linked Securities linked to commodities will be subject to a number of significant risks associated with
commodities. Commodity prices tend to be volatile and may fluctuate in ways that are unpredictable and adverse to you. Commodity
markets are frequently subject to disruptions, distortions, and changes due to various factors, including the lack of liquidity
in the markets, the participation of speculators, and government regulation and intervention. Moreover, commodity indices may
be adversely affected by a phenomenon known as &#8220;negative roll yield,&#8221; which occurs when future prices of the commodity
futures contracts underlying the index are higher than current prices. Negative roll yield can have a significant negative effect
on the performance of a commodity index. Furthermore, for commodities that are traded in U.S. dollars, but for which market prices
are driven by global demand, any strengthening of the U.S. dollar against relevant other currencies may adversely affect the demand
for, and therefore the price of, those commodities.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Currency risk.
</B>These Market Linked Securities linked to currencies will be subject to a number of significant risks associated with currencies.
Currency exchange rates are frequently subject to intervention by governments, which can be difficult to predict and can have
a significant impact on exchange rates. Moreover, currency exchange rates are driven by complex factors relating to the economies
of the relevant countries that can be difficult to understand and predict. Currencies issued by emerging market governments may
be particularly volatile and will be subject to heightened risks.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Bond risk.
</B>These Market Linked Securities linked to bond indices or exchange-traded funds that are comprised of specific types of bonds
with different maturities and qualities will be subject to a number of significant risks associated with bonds. In general, if
market interest rates rise, the value of bonds will decline. In addition, if the market perception of the creditworthiness of
the relevant bond issuers falls, the value of bonds will generally decline.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; color: #231F20; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Archer,serif"><B>Tax considerations.
</B>You should review carefully the relevant preliminary pricing supplement and other related offering documents and consult your
tax advisors regarding the application of the U.S. federal tax laws to your particular circumstances, as well as any tax consequences
arising under the laws of any state, local, or non-U.S. jurisdiction.</FONT></TD>
</TR></TABLE>

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<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; text-align: left; color: #005776; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><B>Always read the preliminary pricing
supplement and other related offering documents.</B></P>

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<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 19.05pt; margin-bottom: 0pt; color: #231F20">These Market Linked Securities
are offered with a preliminary pricing supplement and other related offering documents. Investors should read and consider these
documents carefully before investing. Prior to investing, always consult your financial advisor to understand the investment structure
in detail.</P>

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<P STYLE="font: 10pt Archer,serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #231F20">For more information about these
Market Linked Securities and the structures currently available for investment, contact your financial advisor, who can advise
you whether or not a particular offering may meet your individual needs and investment requirements.</P>

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<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 6.5pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 6.5pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 6.5pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 6.5pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 6.5pt; text-indent: 0in; color: #231F20">&nbsp;</P>

<P STYLE="font: 10pt Archer,serif; margin: 0pt 0 0pt 6.5pt; text-indent: 0in; color: #231F20">&nbsp;</P>

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<P STYLE="font: 10pt Myriad Pro,sans-serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #231F20"><FONT STYLE="font-size: 9pt">Wells
Fargo Securities is the trade name for the capital markets and investment banking services of Wells Fargo &amp; Company and its
subsidiaries, including Wells Fargo Securities, LLC, a member of FINRA, NYSE, and SIPC, and Wells Fargo Bank, N.A.</FONT></P>

<P STYLE="font: 10pt Myriad Pro,sans-serif; margin: 0pt 0 0pt 6pt; color: #231F20"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Myriad Pro,sans-serif; text-align: left; margin-top: 0pt; margin-right: 30.2pt; margin-bottom: 0pt; color: #231F20"><FONT STYLE="font-size: 9pt">Wells
Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, members
SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo &amp; Company.</FONT></P>

<P STYLE="font: 10pt Myriad Pro,sans-serif; margin: 0pt 30.2pt 0pt 6pt; color: #231F20"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Myriad Pro,sans-serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; color: #231F20"><FONT STYLE="font-size: 9pt">&copy;
2020 Wells Fargo Securities, LLC. All rights reserved. WCS-2893315 (11/16)</FONT></P>

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<DOCUMENT>
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begin 644 image_005.jpg
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
