<SEC-DOCUMENT>0000950103-22-013638.txt : 20220803
<SEC-HEADER>0000950103-22-013638.hdr.sgml : 20220803
<ACCEPTANCE-DATETIME>20220803140907
ACCESSION NUMBER:		0000950103-22-013638
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		5
FILED AS OF DATE:		20220803
DATE AS OF CHANGE:		20220803

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:		221132063

	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>dp178288_424b2-k2120.htm
<DESCRIPTION>FORM 424B2
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 9pt; font-style: normal; font-weight: normal">&#9;Filed
Pursuant to Rule 424(b)(2)</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-size: 9pt; font-style: normal; font-weight: normal">Registration
Statement No. 333-238458-02</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Pricing Supplement No. K2120 to the <A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000095010320011950/dp130454_424b2-eus.htm" STYLE="color: Blue; text-decoration: underline">Underlying
Supplement dated June 18, 2020</A>, the <A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000095010320011955/dp130588_424b2-ps1b.htm" STYLE="color: Blue; text-decoration: underline">Product
Supplement No. I&ndash;B dated June 18, 2020</A>, the <A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000110465920074474/tm2019510-8_424b2.htm" STYLE="color: Blue; text-decoration: underline">Prospectus
Supplement and Prospectus dated June 18, 2020</A></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 3pt; text-align: center"></P>

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="text-align: center; width: 100%">
    <IMG SRC="image_002.jpg" ALT=""><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"></FONT></P>
    <P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 2pt 0pt; text-align: center"><FONT STYLE="font-style: normal; font-weight: normal">$63,906,000</FONT></P>
    <P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">Digital Buffered
</FONT>S&amp;P 500<SUP>&reg;</SUP> Index<FONT STYLE="font-weight: normal">-Linked Medium-Term Notes due 2024</FONT></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>The notes
will not bear interest. </B><FONT STYLE="font-weight: normal">The amount that you will be paid on your notes on the stated maturity date
(August 7, 2024) is based on the performance of the </FONT></FONT>S&amp;P 500<SUP>&reg; </SUP>Index <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">(which
we refer to as the underlier) as measured from and including the trade date (August 1, 2022) to and including the determination date
(August 5, 2024). If the final underlier level on the determination date is greater than or equal to 90% of the initial underlier level
(4118.63), you will receive the maximum settlement amount ($1,211.50 for each $1,000 face amount of your notes). </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>If
the final underlier level declines by more than 10% from the initial underlier level, you will be exposed on a leveraged basis to any
depreciation in the final underlier level beyond the buffer amount, and the return on your notes will be negative. You could lose your
entire investment in the notes. Any payment on the notes is subject to our ability to pay our obligations as they become due.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 3pt"><FONT STYLE="font-style: normal; font-weight: normal">To determine
your payment at maturity, we will calculate the underlier return, which is the percentage increase or decrease in the final underlier
level from the initial underlier level. On the stated maturity date, for each $1,000 face amount of your notes, you will receive an amount
in cash equal to:</FONT></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: 0.25in"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">if the underlier return is <I>greater than </I>or <I>equal
to </I>-10% (i.e., the final underlier level is <I>greater than </I>or <I>equal to</I> 90% of the initial underlier level), the maximum
settlement amount; or</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 3pt"></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: 0.25in"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">if the underlier return is <I>negative </I>and is <I>below</I>
-10% (i.e., the final underlier level is <I>less than</I> the initial underlier level by more than 10%), the <I>sum</I> of (i) $1,000
<I>plus</I> (ii) the <I>product</I> of (a) $1,000 <I>times</I> (b) the <I>quotient</I> of the initial underlier level <I>divided by</I>
90% of the initial underlier level <I>times</I> (c) the <I>sum </I>of the underlier return <I>plus</I> 10%. </FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 3pt"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Investing
in the notes involves a number of risks. See &ldquo;Additional Risk Factors Specific To Your Notes&rdquo; beginning on page PS-</B></FONT><B>11
<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">of this pricing supplement and &ldquo;Risk Factors&rdquo; beginning on page PS-3
of the accompanying product supplement.</FONT></B></P>

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 23%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal"><B>Original issue date:</B></FONT></TD>
    <TD STYLE="width: 29%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: normal">August 8, 2022</FONT></TD>
    <TD STYLE="width: 24%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal"><B>Original issue price:</B></FONT></TD>
    <TD STYLE="width: 24%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: normal">100% of the face amount</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal"><B>Underwriting discount:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: normal">1.47% of the face amount</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal"><B>Net proceeds to the issuer:</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; font-style: normal; font-weight: normal">98.53% of the face amount</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 3pt 0pt"><FONT STYLE="font-style: normal"><B>We or one of our affiliates will
pay an underwriting discount of $14.70 per $1,000 face amount of the notes ($939,418.20 in the aggregate), resulting in net proceeds
to the issuer of $985.30 per $1,000 face amount of the notes ($62,966,581.80 in the aggregate). For more detailed information, please
see &ldquo;Supplemental plan of distribution (conflicts of interest)&rdquo; on page PS-5 of this pricing supplement.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 3pt"><FONT STYLE="font-style: normal"><B>The agent for this offering, Credit
Suisse Securities (USA) LLC (&ldquo;CSSU&rdquo;), is our affiliate. For more information, see &ldquo;Supplemental plan of distribution
(conflicts of interest)&rdquo; on page PS-5 of this pricing supplement.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 3pt"><FONT STYLE="font-style: normal"><B>Neither the Securities and Exchange
Commission nor any other regulatory body has approved or disapproved of these notes or passed upon the accuracy or adequacy of this pricing
supplement, the accompanying product supplement, the accompanying underlying supplement, the accompanying prospectus supplement or the
accompanying prospectus. Any representation to the contrary is a criminal offense. </B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 3pt"><FONT STYLE="font-style: normal"><B>Credit Suisse currently estimates
the value of each $1,000 face amount of the notes on the trade date is $981 (as determined by reference to our pricing models and the
rate we are currently paying to borrow funds through issuance of the notes (our &ldquo;internal funding rate&rdquo;)). See &ldquo;Additional
Risk Factors Specific To Your Notes&rdquo; in this pricing supplement.</B></FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 3pt"><FONT STYLE="font-style: normal"><B>The notes 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.</B></FONT></P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Credit Suisse</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-style: normal; font-weight: normal">Pricing
Supplement dated August 1, 2022.</FONT></P>

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


<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 3pt"><FONT STYLE="font-style: normal; font-weight: normal">The original
issue price, underwriting discount and net proceeds to the issuer listed above relate to the notes we sell initially. We may decide to
sell additional notes after the date of this pricing supplement, at issue prices and with underwriting discounts and net proceeds that
differ from the amounts set forth above. The return (whether positive or negative) on your investment in the notes will depend in part
on the issue price you pay for such notes.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">We may use this pricing supplement
in the initial sale of the notes. In addition, CSSU or any other affiliate of ours may use this pricing supplement in a market-making
transaction in a note after its initial sale. </FONT><B><I>Unless Credit Suisse or its agent informs the purchaser otherwise in the confirmation
of sale, this pricing supplement is being used in a market-making transaction.</I></B></P>

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


<!-- Field: Page; Sequence: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 3pt; text-align: center"><FONT STYLE="font-style: normal"><B>SUMMARY INFORMATION</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 100%; border: black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We refer to the notes we are offering by this pricing supplement as
    the &ldquo;offered notes&rdquo; or the &ldquo;notes&rdquo;. Each of the offered notes, including your notes, has the terms described below.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You should read this pricing supplement together with the underlying
    supplement dated June 18, 2020, the product supplement dated June 18, 2020, the prospectus supplement dated June 18, 2020 and the prospectus
    dated June 18, 2020, relating to our Medium-Term Notes of which these notes 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 Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Underlying Supplement dated June 18, 2020: <BR>
<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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Product Supplement No.&nbsp;I&ndash;B dated June 18, 2020:<BR>
<A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000095010320011955/dp130588_424b2-ps1b.htm" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/Archives/edgar/data/1053092/000095010320011955/dp130588_424b2-ps1b.htm
</A></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Prospectus Supplement and Prospectus dated June 18, 2020: <BR>
<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 Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the event the terms of the notes 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 Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Our Central Index Key, or CIK, on the SEC website is 1053092. As used
    in this pricing supplement, &ldquo;we,&rdquo; &ldquo;us,&rdquo; or &ldquo;our&rdquo; refers to Credit Suisse.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This pricing supplement, together with the documents listed above,
contains the terms of the notes 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 notes and the owner of
any beneficial interest in the notes, amend the notes 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;Additional Risk Factors Specific To Your Notes&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 notes 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 notes.</P></TD></TR>
  </TABLE>

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

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

<!-- Field: Page; Sequence: 3; Options: NewSection; Value: 3 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-style: normal"><B>Key Terms</B></FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Issuer:</B> Credit Suisse AG (&ldquo;Credit Suisse&rdquo;), acting
through its London Branch.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Underlier:</B> the S&amp;P 500<SUP>&reg;</SUP> Index (Bloomberg symbol,
&ldquo;SPX &lt;Index&gt;&rdquo;), as maintained by S&amp;P Dow Jones Indices LLC (&ldquo;S&amp;P&rdquo;). For more information on the
underlier, see &ldquo;The Reference Indices&mdash;The S&amp;P Dow Jones Indices<FONT STYLE="background-color: white">&mdash;The S&amp;P
U.S. Indices</FONT>&mdash;The S&amp;P 500<SUP>&reg;</SUP> Index&rdquo; in the accompanying underlying supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Underlier Publisher:</B> S&amp;P Dow Jones Indices LLC</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Specified currency:</B> U.S. dollars (&ldquo;$&rdquo;)</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Face amount:</B> each note will have a face amount of $1,000; $63,906,000
in the aggregate for all the offered notes; the aggregate face amount of the offered notes may be increased if the issuer, at its sole
option, decides to sell an additional amount of the offered notes on a date subsequent to the date of this pricing supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Purchase
at amount other than face amount: </B><FONT STYLE="font-weight: normal">the amount we will pay you at the stated maturity date for your
notes will not be adjusted based on the issue price you pay for your notes, so if you acquire notes at a premium (or discount) to face
amount and hold them to the stated maturity date, it could affect your investment in a number of ways. The return on your investment in
such notes will be lower (or higher) than it would have been had you purchased the notes at face amount. Also, the stated buffer level
would not offer the same measure of protection to your investment as would be the case if you had purchased the notes at face amount.
See &ldquo;Additional Risk Factors Specific to Your Notes </FONT></FONT>&mdash; <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">If
You Purchase Your Notes at a Premium to Face Amount, the Return on Your Investment Will Be Lower Than the Return on Notes Purchased at
Face Amount and the Impact of Certain Key Terms of the Notes Will be Negatively Affected&rdquo; on page PS-</FONT>12 <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">of
this pricing supplement.</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-style: normal"><B>United States Federal Income Tax
Consequences of Investing in the Notes: </B> <FONT STYLE="font-weight: normal">please refer to &ldquo;Material U.S. Federal Income Tax
Considerations&rdquo; herein for a discussion of certain United States federal income tax considerations for making an investment in the
notes.</FONT></FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 3pt"><B>Cash settlement amount (on the stated maturity date): </B>for
each $1,000 face amount of your notes, we will pay you on the stated maturity date an amount in cash equal to:</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: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>if the final underlier level is <I>greater than</I> or <I>equal to</I> the buffer level, the maximum settlement amount; or</TD></TR></TABLE>

<P STYLE="margin: 0pt 0pt 3pt; 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: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>if the final underlier level is <I>less than</I> the buffer level, the <I>sum</I> of (1) $1,000 <I>plus</I> (2) the <I>product</I>
of (i) $1,000 <I>times</I> (ii) the downside participation rate <I>times</I> (iii) the <I>sum </I>of the underlier return <I>plus</I>
the buffer amount.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Initial underlier level: </B>4118.63</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Final underlier level: </B>the closing level of the underlier on
the determination date, except in the circumstances described under &ldquo;Description of the Securities &mdash; Postponement of calculation
dates&rdquo; on page PS-22 of the accompanying product supplement and subject to adjustment as provided under &ldquo;Description of the
Securities &mdash; Changes to the calculation of an underlying&rdquo; on page PS-24 of the accompanying product supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Underlier return:</B> the <I>quotient</I> of (1)&nbsp;the final underlier
level <I>minus </I>the initial underlier level <I>divided by</I> (2) the initial underlier level, expressed as a percentage.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Maximum settlement amount: </B>for each $1,000 face amount of the
notes, $1,211.50.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Buffer level:</B> 90% of the initial underlier level.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Buffer amount: </B>10%</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Downside participation rate: </B>the <I>quotient</I> of the initial
underlier level <I>divided</I> by the buffer level, which equals approximately 111.11%.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Trade date:</B> August 1, 2022</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Original issue date: </B>August 8, 2022</P>

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


<!-- Field: Page; Sequence: 4; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Determination date: </B>August 5, 2024, subject to postponement as
described under &ldquo;Description of the Securities &mdash; Postponement of calculation dates&rdquo; on page PS-22 of the accompanying
product supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Stated maturity date:</B> August 7, 2024, subject to postponement
as described under &ldquo;Description of the Securities &mdash; Postponement of calculation dates&rdquo; on page PS-22 of the accompanying
product supplement. If the stated maturity date is not a business day, the stated maturity date will be postponed to the next following
business day. Notwithstanding anything to the contrary set forth in the accompanying product supplement, if the determination date is
postponed as provided under &ldquo;Determination date&rdquo; above, the stated maturity date will be postponed to the second business
day following the determination date as postponed.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>No interest:</B> the offered notes will not bear interest.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>No listing:</B> the offered notes will not be listed on any securities
exchange or interdealer quotation system.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>No redemption:</B> the offered notes will not be subject to redemption.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Closing level: </B>as described under &ldquo;Description of the Securities
&mdash; Certain definitions&rdquo; on page PS-19 of the accompanying product supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Business day: </B>as described under &ldquo;Description of the Securities
&mdash; Certain definitions&rdquo; on page PS-19 of the accompanying product supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Trading day:</B> as described under &ldquo;Description of the Securities
&mdash; Certain definitions&rdquo; on page PS-19 of the accompanying product supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Use of proceeds and hedging: </B>as described under &ldquo;Supplemental
Use of Proceeds and Hedging&rdquo; on page PS-16 of the accompanying product supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>ERISA: </B>as described under &ldquo;ERISA Considerations&rdquo;
on page PS-45 of the accompanying product supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Supplemental plan of distribution (conflicts of interest): </B>under
the terms and subject to the conditions contained in a distribution agreement dated May&nbsp;7, 2007, as amended, which we refer to as
the distribution agreement, we have agreed to sell the notes to CSSU.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The distribution agreement provides that CSSU is obligated to purchase
all of the notes if any are purchased.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Credit Suisse AG expects to agree to sell to CSSU, and CSSU expects
to agree to purchase from Credit Suisse AG the aggregate face amount of the offered notes specified on the front cover of this pricing
supplement. CSSU proposes initially to offer the notes to the public at the original issue price set forth on the cover page of this pricing
supplement, and to certain unaffiliated securities dealers at such price less a concession of 1.47% of the face amount.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We expect to deliver the notes against payment for the notes on the
original issue date indicated herein, which may be a date that is greater than two business days following the trade date. Under Rule
15c6-1 of the Securities Exchange Act of 1934, as amended, trades in the secondary market generally are required to settle in two business
days, unless the parties to a trade expressly agree otherwise. Accordingly, if the original issue date is more than two business days
after the trade date, purchasers who wish to transact in the notes more than two business days prior to the original issue date will be
required to specify alternative settlement arrangements to prevent a failed settlement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The agent for this offering, CSSU, is our affiliate. In accordance with
FINRA Rule&nbsp;5121, CSSU may not make sales in this offering to any of its discretionary accounts without the prior written approval
of the customer. A portion of the net proceeds from the sale of the notes will be used by CSSU or one of its affiliates in connection
with hedging our obligations under the notes.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For further information, please refer to &ldquo;Underwriting (Conflicts
of Interest)&rdquo; in the accompanying product supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Calculation agent:</B> Credit Suisse International</P>

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


<!-- Field: Page; Sequence: 5; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 3pt"><B>Events of Default: </B>With respect to these notes, the first bullet
of the first sentence of &ldquo;Description of Debt Securities&mdash;Events of Default&rdquo; in the accompanying prospectus is amended
to read in its entirety as follows:</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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>a default in payment of the principal or any premium on any debt security of that series when due, and such default continues for
30 days;</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>CUSIP no.:</B> 22553QD79</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>ISIN no.:</B> US22553QD796</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>FDIC</B>: the notes 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.</P>

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


<!-- Field: Page; Sequence: 6; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Supplemental Terms of the Notes</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For purposes of the notes offered by this pricing supplement, all references
to each of the following defined terms used in the accompanying product supplement will be deemed to refer to the corresponding defined
term used in this pricing supplement, as set forth in the table below:</P>

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

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; border: Black 1pt solid"><B>Product Supplement Defined Term</B></TD>
    <TD STYLE="width: 50%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><B>Pricing Supplement Defined Term</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Maturity date</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">Stated maturity date</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Valuation date</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">Determination date</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Final level</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">Final underlier level</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Initial level</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">Initial underlier level</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Securities</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">Notes or offered notes</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Principal amount</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">Face amount</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Redemption amount</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">Cash settlement amount</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Underlying</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">Underlier</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Underlying return</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">Underlier return</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Downside leverage factor</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">Downside participation rate</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid">Issue price</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid">Original issue price</TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In addition, with respect to the Digital Buffered S&amp;P 500<SUP>&reg;</SUP>
Index-Linked Medium-Term Notes, please refer to Key Terms above for the following terms: maximum settlement amount, buffer level and buffer
amount.</P>

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


<!-- Field: Page; Sequence: 7; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-style: normal"><B>HYPOTHETICAL
EXAMPLES</B></FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following table and chart are provided for purposes of illustration
only. They should not be taken as an indication or prediction of future investment results and are intended merely to illustrate the impact
that the various hypothetical final underlier levels on the determination date could have on the cash settlement amount at maturity assuming
all other variables remain constant.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The examples below are based on a range of final underlier levels that
are entirely hypothetical; no one can predict what the underlier level will be on any day throughout the life of your notes, and no one
can predict what the final underlier level will be.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following examples reflect hypothetical rates of return on the offered
notes assuming that they are purchased on the original issue date at the face amount and held to the stated maturity date. If you sell
your notes in a secondary market prior to the stated maturity date, your return will depend upon the market value of your notes at the
time of sale, which may be affected by a number of factors that are not reflected in the table below such as interest rates, the volatility
of the underlier and our creditworthiness. The information in the table also reflects the key terms and assumptions in the box below.</P>

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

<TABLE CELLSPACING="2" CELLPADDING="2" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: Black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal"><B>Key Terms and Assumptions</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 24%; border-left: black 1pt solid; border-bottom: Black 1pt solid; border-right: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">Face amount</FONT></TD>
    <TD STYLE="width: 76%; border-bottom: Black 1pt solid; border-right: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">$1,000 per note&nbsp;&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">Maximum settlement amount</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">$1,211.50 per note</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">Buffer level</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">90% of the initial underlier level</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">Downside participation rate</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">the quotient of the initial underlier level </FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal"><I>divided by</I> <FONT STYLE="font-style: normal">the buffer level</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; border-left: black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">Buffer amount</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">10%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; border-left: black 1pt solid"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">A market disruption event does not occur on the originally scheduled determination date and the originally scheduled determination date is a trading day.</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">&nbsp;</FONT></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; border-left: black 1pt solid"><P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">During the term of the notes, the underlier is not discontinued, the method of calculating the underlier does not change and the underlier is not otherwise modified.</FONT></P>
                                                                                <P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">&nbsp;</FONT></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: black 1pt solid; border-left: black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">Notes purchased on the original issue date at the face amount and held to the stated maturity date.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The actual performance of the underlier over the life of your notes,
as well as the amount payable at maturity, if any, may bear little relation to the hypothetical examples shown below or to the historical
underlier levels shown elsewhere in this pricing supplement. For information about the historical levels of the underlier during recent
periods, see &ldquo;The Underlier&rdquo; below. Before investing in the offered notes, you should consult publicly available information
to determine the levels of the underlier between the date of this pricing supplement and the date of your purchase of the offered notes.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The levels in the left column of the table below represent hypothetical
final underlier levels and are expressed as percentages of the initial underlier level. The amounts in the right column represent the
hypothetical cash settlement amounts per $1,000 face amount of notes, based on the corresponding hypothetical final underlier level (expressed
as a percentage of the initial underlier level).</P>

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


<!-- Field: Page; Sequence: 8; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="2" CELLPADDING="2" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 60%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; border-bottom: black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Hypothetical Final Underlier Level</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>(as Percentage of Initial Underlier Level)</B></P></TD>
    <TD STYLE="width: 50%; border-bottom: black 1pt solid">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Hypothetical Cash Settlement Amount</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>(per $1,000 Face Amount of Notes)</B></P></TD></TR>
  <TR>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">150.00%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">$1,211.50</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">140.00%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">$1,211.50</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">130.00%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">$1,211.50</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: #BFBFBF; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal"><B>121.15%</B></FONT></TD>
    <TD STYLE="vertical-align: top; background-color: #BFBFBF; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal"><B>$1,211.50</B></FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">120.00%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">$1,211.50</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">110.00%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">$1,211.50</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">105.00%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">$1,211.50</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: #BFBFBF; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal"><B>100.00%</B></FONT></TD>
    <TD STYLE="vertical-align: top; background-color: #BFBFBF; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal"><B>$1,211.50</B></FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">95.00%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">$1,211.50</FONT></TD></TR>
  <TR>
    <TD STYLE="background-color: #BFBFBF; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal"><B>90.00%</B></FONT></TD>
    <TD STYLE="vertical-align: top; background-color: #BFBFBF; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal"><B>$1,211.50</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">75.00%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">$833.33</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">50.00%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">$555.56</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">25.00%</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal; font-weight: normal">$277.78</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="background-color: #BFBFBF; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal"><B>0.00%</B></FONT></TD>
    <TD STYLE="background-color: #BFBFBF; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-style: normal"><B>$0.00</B></FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If, for example, the final underlier level were determined to be 25.00%
of the initial underlier level, you will be exposed on a leveraged basis to any depreciation in the final underlier level beyond the buffer
amount, and the cash settlement amount that we would deliver on your notes at maturity would be approximately $277.78 per $1,000 face
amount of your notes, as shown in the table above. As a result, if you purchased your notes on the original issue date at the face amount
and held them to the stated maturity date, you would lose approximately 72.222% of your investment (if you purchased your notes at a premium
to face amount you would lose a correspondingly higher percentage of your investment). Alternatively, if the final underlier level were
determined to be 150.00% of the initial underlier level, the cash settlement amount that we would deliver on your notes at maturity would
be capped at the maximum settlement amount of $1,211.50 per $1,000 face amount of your notes, as shown in the table above. As a result,
if you held your notes to the stated maturity date, you would not benefit from any performance of the underlier over 90.00% of the initial
underlier level.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following chart shows a graphical illustration of the hypothetical
cash settlement amounts that we would pay on your notes on the stated maturity date, if the final underlier level (expressed as a percentage
of the initial underlier level) were any of the hypothetical levels shown on the horizontal axis. The chart shows that any hypothetical
final underlier level (expressed as a percentage of the initial underlier level) of less than the buffer level (the section left of the
buffer level marker on the horizontal axis) would result in a hypothetical cash settlement amount of less than $1,000 per $1,000 face
amount of your notes (the section below the $1,000 marker on the vertical axis). The chart also shows that any hypothetical final underlier
level (expressed as a percentage of the initial underlier level) of greater than or equal to the buffer level (the section right of the
buffer level marker on the horizontal axis) would result in a fixed return on your investment.</P>

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


<!-- Field: Page; Sequence: 9; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_001.gif" ALT="" STYLE="height: 440px; width: 638px"></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The cash settlement amounts shown above are entirely hypothetical; they
are based on hypothetical closing levels for the underlier on the determination date and on assumptions that may prove to be inaccurate.
The actual market value of your notes on the stated maturity date or at any other time, including any time you may wish to sell your notes,
may bear little relation to the hypothetical cash settlement amounts shown above, and these amounts should not be viewed as an indication
of the financial return on an investment in the offered notes. The hypothetical cash settlement amounts on notes held to the stated maturity
date in the examples above assume you purchased your notes at their face amount and have not been adjusted to reflect the actual issue
price you pay for your notes. The return on your investment (whether positive or negative) in your notes will be affected by the amount
you pay for your notes. If you purchase your notes for a price other than the face amount, the return on your investment will differ from,
and may be significantly lower than, the hypothetical returns suggested by the above examples. Please read &ldquo;Risk Factors &mdash;
Unpredictable economic and market factors may affect the value of the securities prior to maturity&rdquo; on page PS-8 of the accompanying
product supplement.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 100%; border: black 1pt solid"><I>We cannot predict the actual final underlier level or what the market value of your notes will be on any particular trading day, nor can we predict the relationship between the underlier level and the market value of your notes at any time prior to the stated maturity date.&nbsp;&nbsp;The actual amount that you will receive, if any, at maturity and the rate of return on the offered notes will depend on the actual final underlier level determined by the calculation agent as described above.&nbsp;&nbsp;Moreover, the assumptions on which the hypothetical returns are based may turn out to be inaccurate.&nbsp;&nbsp;Consequently, the amount of cash to be paid in respect of your notes, if any, on the stated maturity date may be very different from the information reflected in the table and chart above.</I></TD></TR>
  </TABLE>

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

<!-- Field: Page; Sequence: 10; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 3pt; text-align: center"><FONT STYLE="font-style: normal"><B>ADDITIONAL
RISK FACTORS SPECIFIC TO YOUR NOTES</B></FONT>&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; width: 100%; border: black 1pt solid"><I>An investment in the notes is subject to the risks described below, as well as the risks described under &ldquo;Risk Factors&rdquo; in the accompanying product supplement.&nbsp;&nbsp;You should carefully review these risks as well as the terms of the notes described herein and in the accompanying prospectus as supplemented by the accompanying prospectus supplement, the accompanying product supplement, and the accompanying underlying supplement of Credit Suisse. Your notes are a riskier investment than ordinary debt securities.&nbsp;&nbsp;Also, your notes are not equivalent to investing directly in the stocks comprising the underlier.&nbsp;&nbsp;You should carefully consider whether the offered notes are suited to your particular circumstances.</I></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I>Risks Relating to the Notes Generally</I></B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>You May Lose Your Entire Investment in the Notes</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You can lose your entire investment in the notes. The cash payment on
your notes, if any, on the stated maturity date will be based on the performance of the underlier as measured from the initial underlier
level to the closing level of the underlier on the determination date. If the final underlier level is <I>less than</I> the buffer level,
you will have a loss, for each $1,000 of the face amount of your notes, equal to the <I>product</I> of (a) $1,000 <I>times</I> (b) the
downside participation rate <I>times</I> (c) the sum of the underlier return plus the buffer amount. Thus, you will be exposed on a leveraged
basis to any depreciation in the final underlier level beyond the buffer amount, and the return on your notes will be negative. You may
lose your entire investment in the notes, which would include any premium to face amount you paid when you purchased the notes.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">Also, the market price of your
notes prior to the stated maturity date may be significantly lower than the purchase price you pay for your notes. Consequently, if you
sell your notes before the stated maturity date, you may receive far less than the amount of your investment in the notes.</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>The Notes Are Subject to the Credit Risk of Credit
Suisse</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">Investors are dependent on our ability to pay all
amounts due on the notes and, therefore, if we were to default on our obligations, you may not receive any amounts owed to you under the
notes. 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 your notes prior to maturity.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>The Amount Payable on Your Notes Is Not Linked
to the Level of the Underlier at Any Time Other than the Determination Date</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The final underlier level will be based on the closing level of the
underlier on the determination date (subject to postponement as described elsewhere in the accompanying product supplement). Therefore,
if the closing level of the underlier dropped precipitously on the determination date, the cash settlement amount for your notes may be
significantly less than it would have been had the cash settlement amount been linked to the closing level of the underlier prior to such
drop in the level of the underlier. Although the actual level of the underlier on the stated maturity date or at other times during the
life of your notes may be higher than the final underlier level, you will not benefit from the closing level of the underlier at any time
other than on the determination date.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white"><B>Regardless
of the Amount of Any Payment You Receive on the Notes, Your Actual Yield May Be Different in Real Value Terms</B></FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">Inflation may cause the real value
of any payment you receive on the notes to be less at maturity than it is at the time you invest. An investment in the notes 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.</FONT></P>

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


<!-- Field: Page; Sequence: 11; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Your Notes Will Not Bear Interest</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">You will not receive any interest payments on your notes. As a result,
even if the cash settlement amount payable for your notes on the stated maturity date exceeds the face amount of your notes, the overall
return you earn on your notes may be less than you would have earned by investing in a non-indexed debt security of comparable maturity,
including our other debt securities, that bears interest at a prevailing market rate.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>The Probability that the Final Underlier Level
Will Be Less Than the Buffer Level Will Depend on the Volatility of the Underlier</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&ldquo;Volatility&rdquo; refers to the frequency and magnitude of changes
in the level of the underlier. The greater the expected volatility with respect to the underlier on the trade date, the higher the expectation
as of the trade date that the final underlier level could be less than the buffer level, indicating a higher expected risk of loss on
the notes. The terms of the notes are set, in part, based on expectations about the volatility of the underlier as of the trade date.
The volatility of the underlier can change significantly over the term of the notes. The level of the underlier could fall sharply, which
could result in a significant loss of principal. You should be willing to accept the downside market risk of the underlier and the potential
to lose a significant amount of your principal at maturity.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Your Maximum Gain on the Notes Is Limited to
the Maximum Settlement Amount</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the final underlier level is greater than or equal to the buffer
level, for each $1,000 face amount of the notes, you will receive at maturity a payment that will equal the maximum settlement amount,
regardless of the appreciation in the underlier, which may be significant. Accordingly, the amount payable on your notes may be significantly
less than it would have been had you invested directly in the underlier.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>We May Sell Additional Notes at a Different Issue
Price</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">At our sole option, we may decide to sell an additional aggregate face
amount of the notes subsequent to the date of this pricing supplement at issue prices and with underwriting discounts and net proceeds
that differ from the amounts set forth on the cover page. The issue price of the notes in the subsequent sale may differ substantially
(higher or lower) from the original issue price you paid as provided on the cover of this pricing supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>If You Purchase Your Notes at a Premium to Face
Amount, the Return on Your Investment Will Be Lower Than the Return on Notes Purchased at Face Amount and the Impact of Certain Key Terms
of the Notes Will be Negatively Affected</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The cash settlement amount will not be adjusted based on the issue price
you pay for the notes. If you purchase the notes at a price that differs from the face amount of the notes, then the return on your investment
in such notes held to the stated maturity date will differ from, and may be substantially less than, the return on the notes purchased
at face amount. If you purchase your notes at a premium to face amount and hold them to the stated maturity date the return on your investment
in the notes will be lower than it would have been had you purchased the notes at face amount or a discount to face amount. In addition,
the impact of the buffer level and the maximum settlement amount on the return on your investment will depend upon the price you pay for
your notes relative to face amount. For example, if you purchase your notes at a premium to face amount, the maximum settlement amount
will permit a lower percentage increase in your investment in the notes than would have been the case for notes purchased at face amount
or a discount to face amount. Similarly, the buffer level, while still providing some protection for the return on the notes, will allow
a greater percentage decrease in your investment in the notes than would have been the case for notes purchased at face amount or a discount
to face amount.</P>

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


<!-- Field: Page; Sequence: 12; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="background-color: white"><B>The U.S.
Federal Tax Consequences of an Investment in the Notes Are Unclear</B></FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">There is no direct legal authority
regarding the proper U.S. federal tax treatment of the notes, 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 notes are uncertain, and the IRS or a court might
not agree with the treatment of the notes as prepaid financial contracts that are treated as &ldquo;open transactions.&rdquo; If the IRS
were successful in asserting an alternative treatment of the notes, the tax consequences of the ownership and disposition of the notes,
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 notes, possibly retroactively.</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I>Risks Relating to the Underlier</I></B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>You Have No Shareholder Rights or Rights to Receive
Any of the Equity Securities Comprising the Underlier </B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Investing in the notes will not make you a holder of any of the equity
securities comprising the underlier. Neither you nor any other holder or owner of the notes will have any voting rights, any right to
receive dividends or other distributions, any rights to make a claim against the issuers of, or any other rights with respect to, the
equity securities comprising the underlier. The cash settlement amount will be paid in cash and you will have no right to receive delivery
of any equity securities comprising the underlier.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Government Regulatory Action, Including Legislative
Acts and Executive Orders, Could Result in Material Changes to the Underlier and Could Negatively Affect Your Return on the Notes</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Government regulatory action, including legislative acts and executive
orders, could materially affect the underlier. For example, in response to recent executive orders, stocks of companies that are determined
to be linked to the People'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 notes.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I>Risks Relating to the Issuer</I></B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Credit Suisse is Subject to Swiss Regulation</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">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
notes and/or the ability of Credit Suisse to make payments thereunder and you may not receive any amounts owed to you under the notes.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I>Risks Relating to Conflicts of Interest</I></B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Hedging and Trading Activity</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We, any dealer or any of our or their respective affiliates may carry
out hedging activities related to the notes, including in instruments related to the underlier. We, any dealer or any of our or their
respective affiliates may also trade instruments related to the underlier from time to time. Any of these hedging or</P>

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


<!-- Field: Page; Sequence: 13; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">trading activities on or prior to the Trade Date and during the term
of the notes could adversely affect our payment to you at maturity.</P>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">We and our affiliates play a variety of roles in connection
with the issuance of the notes, including acting as calculation agent and as an agent of the offering of the notes, hedging our obligations
under the notes and determining their estimated value. In addition, the distributor from which you purchase the notes may conduct hedging
activities in connection with the notes. In performing these duties, the economic interests of us, our affiliates and the distributor
are potentially adverse to your interests as an investor in the notes. Further, hedging activities may adversely affect any payment on
or the value of your notes. Any profit in connection with such hedging activities will be in addition to any other compensation that we
and our affiliates or the distributor receives for the sale of the notes, which creates an additional incentive to sell the notes to you.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B><I>Risks Relating to the Estimated Value and
Secondary Market Prices of the Notes</I></B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Unpredictable Economic and Market Factors Will
Affect the Value of the Notes</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">The payout on the notes can be replicated using a
combination of the components described in &ldquo;The Estimated Value of the Notes on the Trade Date Is Less Than the Price to Public.&rdquo;
Therefore, in addition to the level of the underlier, the terms of the notes at issuance and the value of the notes 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 Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: left">the expected and actual volatility of the underlier;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: left">the time to maturity of the notes;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: left">the dividend rate on the equity securities comprising the underlier;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: left">interest and yield rates in the market generally;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: left">investors&rsquo; expectations with respect to the rate of inflation;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: left">geopolitical conditions and economic, financial, political, regulatory, judicial or other events that affect
the equity securities comprising the underlier or markets generally and which may affect the level of the underlier; and</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: left">our creditworthiness, including actual or anticipated downgrades in our credit ratings.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">Some or all of these factors may influence the price
that you will receive if you choose to sell your notes 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 Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>The Estimated Value of the Notes on the Trade
Date Is Less Than the Price to Public</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">The initial estimated value of your notes on the trade
date (as determined by reference to our pricing models and our internal funding rate) is less than the original issue price. The original
issue price of the notes includes any discounts or commissions as well as transaction costs such as expenses incurred to create, document
and market the notes and the cost of hedging our risks as issuer of the notes 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 notes. These amounts will be retained by Credit
Suisse or our affiliates in connection with our structuring and offering of the notes (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 Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">On the trade date, we value the components of the
notes 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</P>

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


<!-- Field: Page; Sequence: 14; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">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 notes 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 notes
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 notes, and they rely in part on certain assumptions about future events, which may prove to be incorrect.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">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 notes of other issuers. A fee will also be paid to SIMON Markets LLC, an electronic platform affiliated
with Goldman Sachs &amp; Co. LLC. Goldman Sachs &amp; Co. LLC is acting as a dealer in connection with the distribution of the notes.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Effect of Interest Rate Used in Estimating Value</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">The internal funding rate we use in structuring notes
such as these notes 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 trade date our internal funding rate is
lower than our secondary market credit spreads, we expect that the economic terms of the notes will generally be less favorable to you
than they would have been if our secondary market credit spread had been used in structuring the notes. We will also use our internal
funding rate to determine the price of the notes if we post a bid to repurchase your notes in secondary market transactions. See &ldquo;&mdash;Secondary
Market Prices&rdquo; below.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Secondary Market Prices</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">If Credit Suisse (or an affiliate) bids for your notes
in secondary market transactions, which we are not obligated to do, the secondary market price (and the value used for account statements
or otherwise) may be higher or lower than the original issue price and the estimated value of the notes on the trade date. The estimated
value of the notes on the cover of this pricing supplement does not represent a minimum price at which we would be willing to buy the
notes in the secondary market (if any exists) at any time. The secondary market price of your notes 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 notes 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 notes and other dealers might use the lower secondary market credit spread to price
them. Furthermore, assuming no change in market conditions from the trade date, the secondary market price of your notes will be lower
than the original issue price because it will not include any discounts or commissions and hedging and other transaction costs. If you
sell your notes 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 notes may be lower than the price at which we may repurchase the notes from such dealer.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">We (or an affiliate) may initially post a bid to repurchase
the notes from you at a price that will exceed the then-current estimated value of the notes. That higher price reflects our projected
profit and costs, which may include discounts and commissions that were included in the original issue price, and that higher price may
also be initially used for account statements or otherwise. We (or our affiliate) 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 Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">The notes 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 notes
to maturity.</P>

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


<!-- Field: Page; Sequence: 15; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Lack of Liquidity</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: left">The notes will not be listed on any securities exchange.
Credit Suisse (or its affiliates) intends to offer to purchase the notes in the secondary market but is not required to do so. Even if
there is a secondary market, it may not provide enough liquidity to allow you to trade or sell the notes when you wish to do so. Because
other dealers are not likely to make a secondary market for the notes, the price at which you may be able to trade your notes is likely
to depend on the price, if any, at which Credit Suisse (or its affiliates) is willing to buy the notes. If you have to sell your notes
prior to maturity, you may not be able to do so or you may have to sell them at a substantial loss.</P>

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


<!-- Field: Page; Sequence: 16; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">The historical levels of the underlier
should not be taken as an indication of future performance, and no assurance can be given as to the closing level of the underlier on
any trading day during the term of the notes, including on the determination date. We cannot give you assurance that the future performance
of the underlier will result in any return of your investment. Any payment on the notes is subject to our ability to pay our obligations
as they become due.</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In addition, information about the underlier may be obtained from other
sources including, but not limited to, the underlier sponsor&rsquo;s website (including information regarding (i) the underlier&rsquo;s
top ten constituents and (ii) the underlier&rsquo;s sector weightings). We are not incorporating by reference into this document the website
or any material it includes. Neither the issuer nor the agent makes any representation that such publicly available information regarding
the underlier is accurate or complete.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For additional information on the S&amp;P 500<SUP>&reg;</SUP> Index,
see &ldquo;The Reference Indices&mdash;The S&amp;P Dow Jones Indices&mdash;<FONT STYLE="background-color: white">The S&amp;P U.S. Indices&mdash;</FONT>The
S&amp;P 500<SUP>&reg;</SUP> Index&rdquo; in the accompanying underlying supplement or S&amp;P&rsquo;s website.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">The following graph sets forth
the historical performance of the underlier based on its closing levels from January 3, 2017 to August 1, 2022. The closing level of the
underlier on August 1, 2022 was 4118.63. We obtained the historical information below from Bloomberg, without independent verification.
</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_002.gif" ALT="" STYLE="height: 302px; width: 532px"></P>

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


<!-- Field: Page; Sequence: 17; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES FEDERAL TAX CONSIDERATIONS</B></P>

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">There are no statutory, judicial or administrative authorities that
address the U.S. federal income tax treatment of the notes or instruments that are similar to the notes. In the opinion of our counsel,
Davis Polk &amp; Wardwell LLP, which is based on current market conditions, a note should be treated as a prepaid financial contract that
is an &ldquo;open transaction&rdquo; for U.S. federal income tax purposes. However, there is uncertainty regarding this treatment.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Assuming this treatment of the notes 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 Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">You should not recognize taxable income over the term of the notes prior to
maturity, other than pursuant to a sale or other disposition.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">&nbsp;</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: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Upon a sale or other disposition (including retirement) of a note, you should
recognize capital gain or loss equal to the difference between the amount realized and your tax basis in the note. Such gain or loss should
be long-term capital gain or loss if you held the note for more than one year.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We do not plan to request a ruling from the IRS regarding the treatment
of the notes, and the IRS or a court might not agree with the treatment described herein. In particular, the IRS could treat the notes
as contingent payment debt instruments, in which case the tax consequences of ownership and disposition of the notes, including the timing
and character of income recognized, could 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 notes, possibly with retroactive effect. You should consult your tax advisor regarding possible alternative tax treatments of the
notes and potential changes in applicable law.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Non-U.S. Holders. </B>Subject to the discussions in the next paragraph
and in &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; in the accompanying product supplement, if you are a Non-U.S. Holder (as defined in the accompanying
product supplement) of the notes, you generally should not be subject to U.S. federal withholding or income tax in respect of any amount
paid to you with respect to the notes, provided that (i) income in respect of the notes is not effectively connected with your conduct
of a trade or business in the United States, and (ii) you comply with the applicable certification requirements.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">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 notes and representations provided by us, our counsel is of the opinion that the notes 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).</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">A determination that the notes 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 notes.</P>

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


<!-- Field: Page; Sequence: 18; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If withholding tax applies to the notes, we will not be required to
pay any additional amounts with respect to amounts withheld.</P>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><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 notes and any tax consequences arising under the laws of any
state, local or non-U.S. taxing jurisdiction.</B></P>

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


<!-- Field: Page; Sequence: 19; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->19<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>VALIDITY OF THE NOTES</B></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">In the opinion of Davis Polk &amp; Wardwell LLP, as United States counsel
to Credit Suisse, when the notes offered by this pricing supplement have been executed and issued by Credit Suisse and authenticated by
the trustee pursuant to the indenture, and delivered against payment therefor, such notes will be valid and binding obligations of Credit
Suisse, enforceable against Credit Suisse in accordance with their terms, subject to (i) applicable bankruptcy, insolvency and similar
laws affecting creditors&rsquo; rights generally, (ii) concepts of reasonableness and equitable principles of general applicability (including,
without limitation, concepts of good faith, fair dealing and the lack of bad faith) and (iii) possible judicial or regulatory actions
or application giving effect to governmental actions or foreign laws affecting creditors&rsquo; rights, provided that such counsel expresses
no opinion as to the effect of fraudulent conveyance, fraudulent transfer or similar provision of applicable law on the conclusions expressed
above. This opinion is given as of the date of this pricing supplement and is limited to the laws of the State of New York, except that
such counsel expresses no opinion as to the application of state securities or Blue Sky laws to the notes. Insofar as this opinion involves
matters governed by Swiss law, Davis Polk &amp; Wardwell LLP has relied, without independent inquiry or investigation, on the opinion
of Homburger AG, dated July 22, 2022 and filed by Credit Suisse as an exhibit to a Current Report on Form 6-K on July 22, 2022. The opinion
of Davis Polk &amp; Wardwell LLP is subject to the same assumptions, qualifications and limitations with respect to such matters as are
contained in the opinion of Homburger AG. In addition, the opinion of Davis Polk &amp; Wardwell LLP is subject to customary assumptions
about the establishment of the terms of the notes, the trustee&rsquo;s authorization, execution and delivery of the indenture and its
authentication of the notes, and the validity, binding nature and enforceability of the indenture with respect to the trustee, all as
stated in the opinion of Davis Polk &amp; Wardwell LLP dated July 22, 2022, which was filed by Credit Suisse as an exhibit to a Current
Report on Form 6-K on July 22, 2022. Davis Polk &amp; Wardwell LLP expresses no opinion as to waivers of objections to venue, the subject
matter or personal jurisdiction of a United States federal court or the effectiveness of service of process other than in accordance with
applicable law. In addition, such counsel notes that the enforceability in the United States of Section 10.08(c) of the indenture is subject
to the limitations set forth in the United States Foreign Sovereign Immunities Act of 1976.</P>

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


<!-- Field: Page; Sequence: 20; Value: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; color: Black; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->20<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt; font-style: normal; font-weight: normal">We
have not authorized anyone to provide any information or to make any representations other than those contained or incorporated by reference
in this pricing supplement, the accompanying product supplement, the accompanying underlying supplement, the accompanying prospectus
supplement or the accompanying prospectus. We take no responsibility for, and can provide no assurance as to the reliability of, any
other information that others may give you. This pricing supplement, the accompanying product supplement, the accompanying underlying
supplement, the accompanying prospectus supplement and the accompanying prospectus is an offer to sell only the notes offered hereby,
but only under circumstances and in jurisdictions where it is lawful to do so. The information contained in this pricing supplement,
the accompanying product supplement, the accompanying underlying supplement, the accompanying prospectus supplement and the accompanying
prospectus is current only as of the respective dates of such documents.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 10pt; text-align: center"><FONT STYLE="font-size: 9pt">TABLE OF
CONTENTS<BR>
Pricing Supplement</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 10pt; text-align: center"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 94%"><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 9pt"><U>Page</U></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Summary Information&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Hypothetical Examples&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Additional Risk Factors Specific to Your Notes&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">The Underlier&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-17</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">United States Federal Tax Considerations&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Validity of the Notes</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-20</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 10pt; text-align: center"><FONT STYLE="font-size: 9pt">Product
Supplement No. I&ndash;B dated June 18, 2020</FONT></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Summary&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Risk Factors&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Supplemental Use of Proceeds and Hedging&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Description of the Securities&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-18</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">The Underlyings or Basket&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">United States Federal Tax Considerations&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">ERISA Considerations&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-45</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Underwriting (Conflicts of Interest)&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-47</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Notice to Investors&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">PS-49</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 9pt; background-color: white">Underlying
Supplement dated June 18, 2020</FONT></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">The <FONT STYLE="background-color: white">Securities&#9;</FONT></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">US-1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">The <FONT STYLE="background-color: white">Reference Indices&#9;</FONT></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9pt; background-color: white">US-2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 10pt; text-align: center"><FONT STYLE="font-size: 9pt">Prospectus
Supplement dated June 18, 2020</FONT></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Risk Factors&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">S-1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Description of Notes&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">S-4</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Plan of Distribution (Conflicts of Interest)&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">S-8</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Incorporation by Reference&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">S-16</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 10pt; text-align: center"><FONT STYLE="font-size: 9pt">Prospectus
dated June 18, 2020</FONT></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">About This Prospectus&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Limitations on Enforcement of U.S. Laws&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Where You Can Find More Information&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Forward-Looking Statements&nbsp;&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">3</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Use of Proceeds&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">5</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Capitalization and Indebtedness&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">6</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Credit Suisse Group&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">7</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Credit Suisse&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">9</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Credit Suisse (USA)&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">10</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Description of Debt Securities&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">11</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Special Provisions Relating to Debt Securities Denominated in a Foreign Currency&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Foreign Currency Risks&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">44</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Description of Warrants&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">46</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Description of Shares&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">49</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Description of the Guaranteed Senior Debt Securities of Credit Suisse (USA)&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">54</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Description of the Guarantees of the Guaranteed Senior Debt Securities of Credit Suisse (USA)&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">55</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">ERISA&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">57</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Taxation&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">59</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Plan of Distribution (Conflicts of Interest)&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">71</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Market-Making Activities&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">74</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Legal Matters&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">75</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Experts&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">76</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Independent Registered Public Accounting Firm&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">76</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">Change in Registrants&rsquo; Certifying Accountant&#9;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">76</FONT></TD></TR>
  </TABLE>

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

<!-- Field: Page; Sequence: 21 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">$63,906,000</P>

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-style: normal"><B>Credit Suisse</B></FONT></P>

<P STYLE="font: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Digital Buffered S&amp;P 500<SUP>&reg;</SUP> Index-Linked
Medium-Term Notes due 2024</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><BR>
<BR>
</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<!-- Field: Page; Sequence: 22; Options: Last -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>

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

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>2
<FILENAME>dp178288_exfilingfees.htm
<DESCRIPTION>EXHIBIT 107.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B>Exhibit
107.1</B></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 10pt">The pricing supplement
to which this Exhibit is attached is a final prospectus for the related offering. The maximum aggregate offering price of that offering
is $63,906,000.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<!-- Field: Page; Sequence: 1; Options: Last -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>image_002.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_002.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  Z *,# 2(  A$! Q$!_\0
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M!(SC)[5Z!I5Y:7MF&LKA[B*,^7YC9)8@>IZ_6KU%*4N9#C&S"BBBH+"BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** /_
!V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>image_001.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_001.gif
M1TE&.#EA?@*X 7< ,2'^&E-O9G1W87)E.B!-:6-R;W-O9G0@3V9F:6-E "'Y
M! $     +     !^ K@!AP          ,P  9@  F0  S   _P S   S,P S
M9@ SF0 SS  S_P!F  !F,P!F9@!FF0!FS !F_P"9  "9,P"99@"9F0"9S "9
M_P#,  #,,P#,9@#,F0#,S #,_P#_  #_,P#_9@#_F0#_S #__S,  #, ,S,
M9C, F3, S#, _S,S #,S,S,S9C,SF3,SS#,S_S-F #-F,S-F9C-FF3-FS#-F
M_S.9 #.9,S.99C.9F3.9S#.9_S/, #/,,S/,9C/,F3/,S#/,_S/_ #/_,S/_
M9C/_F3/_S#/__V8  &8 ,V8 9F8 F68 S&8 _V8S &8S,V8S9F8SF68SS&8S
M_V9F &9F,V9F9F9FF69FS&9F_V:9 &:9,V:99F:9F6:9S&:9_V;, &;,,V;,
M9F;,F6;,S&;,_V;_ &;_,V;_9F;_F6;_S&;__YD  )D ,YD 9ID F9D S)D
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M>G2Q@EB<_ZR>,GA2K;\%64?^/2CT]G"]FZR^]?COD\?-'T<9_/[^Z?AA4U^
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M0ARH1RFZ4=Z =*3S+*GW1(K2A:JT9BV-*=Y.FA.,RC2E+!6*36_JSI?>CJ=
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M&;B5(QZD?L7DG@R-";PT7O]EF$P9GTO2,\U9<3.7T,28,FL2&_GU)(F-\R:
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M$<W%[SG-]AR8SS3##0H-\6Q+(]E2UM11W!,,7?0N7XR.9*0_EWK&_\HZ1H]
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3%D[A#EYA&&YA&7[A1+N"@   .P$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>image_002.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_002.gif
M1TE&.#EA% (N 7< ,2'^&E-O9G1W87)E.B!-:6-R;W-O9G0@3V9F:6-E "'Y
M! $     +      4 BX!AP          ,P  9@  F0  S   _P S   S,P S
M9@ SF0 SS  S_P!F  !F,P!F9@!FF0!FS !F_P"9  "9,P"99@"9F0"9S "9
M_P#,  #,,P#,9@#,F0#,S #,_P#_  #_,P#_9@#_F0#_S #__S,  #, ,S,
M9C, F3, S#, _S,S #,S,S,S9C,SF3,SS#,S_S-F #-F,S-F9C-FF3-FS#-F
M_S.9 #.9,S.99C.9F3.9S#.9_S/, #/,,S/,9C/,F3/,S#/,_S/_ #/_,S/_
M9C/_F3/_S#/__V8  &8 ,V8 9F8 F68 S&8 _V8S &8S,V8S9F8SF68SS&8S
M_V9F &9F,V9F9F9FF69FS&9F_V:9 &:9,V:99F:9F6:9S&:9_V;, &;,,V;,
M9F;,F6;,S&;,_V;_ &;_,V;_9F;_F6;_S&;__YD  )D ,YD 9ID F9D S)D
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M1F(]AA $"%Y: UL:QU0R*!DB.())00.Y!V:B=Q1&AG<IEP@]*'TTD52NH4P
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H=5JM[5JN;=JPE=JJ)5NL!=NQ-=NO55NQM5JO9=NR=5NTC5NJ#0@ .P$!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
