<SEC-DOCUMENT>0000950103-22-014808.txt : 20220830
<SEC-HEADER>0000950103-22-014808.hdr.sgml : 20220830
<ACCEPTANCE-DATETIME>20220830170343
ACCESSION NUMBER:		0000950103-22-014808
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		6
FILED AS OF DATE:		20220830
DATE AS OF CHANGE:		20220830

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:		221215286

	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>dp179314_424b2-k2137.htm
<DESCRIPTION>FORM 424B2
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<TABLE CELLSPACING="0" CELLPADDING="4" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 71%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 29%; padding-left: 13px; font-size: 10pt; text-align: right"><IMG SRC="image_009.jpg" ALT="" STYLE="height: 59px; width: 234px"></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; background-color: #1F497D; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>FINANCIAL PRODUCTS</B></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Pricing Supplement No. K2137</B></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">To the Underlying Supplement dated June 18, 2020,&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Product Supplement No. I-B dated June 18, 2020,</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prospectus Supplement dated June 18, 2020 and&nbsp;</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prospectus dated June 18, 2020</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD>
    <TD STYLE="vertical-align: bottom">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">Filed Pursuant to Rule 424(b)(2)</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">Registration Statement No. 333-238458-02</P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2.85pt; text-align: right">August 26, 2022</P></TD></TR>
  </TABLE>
<P STYLE="font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">$3,758,000</P>

<P STYLE="font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="font: 28pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">Absolute Return Buffered Securities
due March 3, 2025</FONT>&nbsp;</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">Linked to the Performance of the Lowest
Performing of the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP></FONT></P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></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-size: 10pt">&middot;</FONT></TD><TD>Investors will not receive any interest or dividend payments and may lose a significant portion of their principal at maturity.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>At maturity, if the Final Level of the Lowest Performing Underlying is equal to or greater than its Initial Level, investors will
receive the principal amount of their investment plus a return based on the upside performance of such Underlying, subject to the Maximum
Return. If the Final Level of the Lowest Performing Underlying is less than its Initial Level but equal to or greater than its Buffer
Level, investors will receive the principal amount of their investment multiplied by the sum of one plus the absolute value of the Underlying
Return of the Lowest Performing Underlying. However, if the Final Level of the Lowest Performing Underlying is less than its Buffer Level,
investors will lose 1% of their principal for each 1% decline from its Initial Level to its Final Level beyond its Buffer Level. <B>You
could lose up to $800 per $1,000 principal amount</B>.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>Senior unsecured obligations of Credit Suisse maturing March 3, 2025. Any payment on the securities is subject to our ability to pay
our obligations as they become due.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>Minimum purchase of $1,000. Minimum denominations of $1,000 and integral multiples of $1,000 in excess thereof.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>The offering price for the securities was determined on August 26, 2022 (the &ldquo;Trade Date&rdquo;), and the securities are expected
to settle on August 31, 2022 (the &ldquo;Settlement Date&rdquo;). Delivery of the securities in book-entry form only will be made through
The Depository Trust Company.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD>The securities will not be listed on any exchange.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Investing in the securities involves a number of risks. See &ldquo;Selected
Risk Considerations&rdquo; beginning on page 7 of this pricing supplement and &ldquo;Risk Factors&rdquo; beginning on page&nbsp;PS-3 of
any accompanying product supplement.</B></P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: #D9D9D9">
    <TD STYLE="width: 22%; border: Black 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 19%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Price to Public</B><SUP>(1)</SUP></FONT></TD>
    <TD STYLE="width: 40%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Underwriting Discounts and Commissions</B><SUP>(2)</SUP></FONT></TD>
    <TD STYLE="width: 19%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Proceeds to Issuer</B></FONT></TD></TR>
  <TR>
    <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"><B>Per security</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>$1,000</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>$27.50</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>$972.50</B></FONT></TD></TR>
  <TR>
    <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"><B>Total</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>$3,758,000</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>$103,345</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>$3,654,655</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>(1) </SUP>Certain fiduciary accounts may pay a purchase price of
at least $972.50 per $1,000 principal amount of securities.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><SUP>(2) </SUP>We or any Agent (as defined in &ldquo;Supplemental Plan
of Distribution (Conflicts of Interest)&rdquo;) will pay discounts and commissions of $27.50 per $1,000 principal amount of securities.
The Agents will forgo some or all discounts and commissions with respect to the sales of securities into certain fiduciary accounts. For
more detailed information, please see &ldquo;Supplemental Plan of Distribution (Conflicts of Interest)&rdquo; in this pricing supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Credit Suisse Securities (USA) LLC (&ldquo;CSSU&rdquo;) is our affiliate.
For more information, see &ldquo;Supplemental Plan of Distribution (Conflicts of Interest)&rdquo; in this pricing supplement.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Credit Suisse currently estimates the value of each $1,000 principal
amount of the securities on the Trade Date is $965.50 (as determined by reference to our pricing models and the rate we are currently
paying to borrow funds through issuance of the securities (our &ldquo;internal funding rate&rdquo;)). See &ldquo;Selected Risk Considerations&rdquo;
in this pricing supplement.</B></P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 49%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 18pt"><B>Credit Suisse</B></FONT></TD>
    <TD STYLE="width: 51%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 18pt"><B>InspereX LLC</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">August 26, 2022</P>

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


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

<P STYLE="font: 24pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">Key Terms</FONT></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 10%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><br>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Issuer</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Credit Suisse AG (&ldquo;Credit Suisse&rdquo;), acting
through its London branch</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><B>Underlyings </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">The securities are linked to the performance of the lowest
performing of the Underlyings set forth in the table below. For more information on the Underlyings, see &ldquo;The Reference Indices&mdash;The
FTSE Russell Indices&mdash;The Russell Indices&mdash;The Russell 2000<SUP>&reg;</SUP> Index&rdquo; and &ldquo;The Reference Indices&mdash;The
Nasdaq-100 Index<SUP>&reg;</SUP>&rdquo; in the accompanying underlying supplement. Each Underlying is identified in the table below, together
with its Reuters ticker symbol, Initial Level and Buffer Level:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 24%; border-bottom: Black 1pt solid; text-align: center"><B>Underlying</B></TD>
    <TD STYLE="width: 18%; border-bottom: Black 1pt solid; text-align: center"><B>Ticker</B></TD>
    <TD STYLE="width: 16%; border-bottom: Black 1pt solid; text-align: center"><B>Initial Level</B></TD>
    <TD STYLE="width: 42%; border-bottom: Black 1pt solid; text-align: center"><B>Buffer Level</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Russell 2000<SUP>&reg;</SUP> Index</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">RTY &lt;Index&gt;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1899.830</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">1519.864 (80% of Initial Level)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Nasdaq-100 Index<SUP>&reg;</SUP></FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">NDX &lt;Index&gt;</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">12605.17</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">10084.136 (80% of Initial Level)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Redemption Amount</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">At maturity, for each
$1,000 principal amount of securities, you will receive a Redemption Amount in cash that will equal $1,000 multiplied by the sum of one
plus the Security Performance Factor, calculated as set forth below. Any payment on the securities 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 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Security Performance Factor</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">The Security Performance
Factor is expressed as a percentage and is calculated as follows:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 126pt"></TD><TD STYLE="width: 13.5pt; text-align: left"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD><FONT STYLE="font-weight: normal">If the Final Level of the
Lowest Performing Underlying is equal to or greater than its Initial Level, the Security Performance Factor will equal the lesser of
(i) the Maximum Return and (ii) the Underlying Return of the Lowest Performing Underlying.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 163.45pt; text-indent: -0.25in"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 139.5pt"><B>If the Final Level of the Lowest Performing Underlying
is equal to or greater than its Initial Level, the maximum Redemption Amount is $1,410 per $1,000 principal amount.</B>&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 126pt"></TD><TD STYLE="width: 13.5pt; text-align: left"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD><FONT STYLE="font-weight: normal">If the Final Level of the
Lowest Performing Underlying is less than its Initial Level but equal to or greater than its Buffer Level, the Security Performance Factor
will equal the absolute value of the Underlying Return of the Lowest Performing Underlying.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 163.45pt; text-indent: -0.25in"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 139.5pt"><B>If the Final Level of the Lowest Performing Underlying
is less than its Initial Level but equal to or greater than its Buffer Level, the maximum Redemption Amount is $1,200 per $1,000 principal
amount.</B>&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 126pt"></TD><TD STYLE="width: 13.5pt; text-align: left"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD><FONT STYLE="font-weight: normal">If the Final Level of the
Lowest Performing Underlying is less than its Buffer Level, the Security Performance Factor will equal the sum of (i) the Underlying
Return of the Lowest Performing Underlying plus (ii) the Buffer Amount.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 163.45pt; text-indent: -0.25in"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 139.5pt"><B>If the Final Level of the Lowest Performing Underlying
is less than its Buffer Level, the Security Performance Factor will be negative and you will receive less than the principal amount of
your securities at maturity. You could lose up to $800 per $1,000 principal amount</B>.</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 163.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Lowest Performing Underlying</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">The Underlying with the
lowest Underlying Return.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Underlying Return</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">For each Underlying, an amount calculated as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt; text-align: center"><U>Final Level &ndash; Initial Level</U></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt; text-align: center"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt; text-align: center">Initial Level</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt; text-align: center">&nbsp;</P>


<!-- Field: Page; Sequence: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><B>The Underlying Return for any Underlying will be negative
if its Final Level is less than its Initial Level.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Maximum Return</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">41%</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Buffer Amount</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">20%</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Initial Level</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">For each Underlying,
the closing level of such Underlying on the Trade Date, as set forth in the table above.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Final Level</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">For each Underlying,
the closing level of such Underlying on the Valuation Date.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR>
    <TD STYLE="vertical-align: top; width: 33%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold">Trade Date</TD>
    <TD STYLE="vertical-align: top; width: 38%; border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold"><FONT STYLE="font-weight: normal">August 26, 2022</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 29%; border-top: Black 1pt solid; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold">Settlement Date</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold"><FONT STYLE="font-weight: normal">Expected to be August 31, 2022</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-weight: bold">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; font-weight: bold">Valuation Date</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; font-weight: bold"><FONT STYLE="font-weight: normal">February 26, 2025</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Subject to postponement as set forth in any accompanying product supplement under &ldquo;Description of the Securities&mdash;Postponement of calculation dates.&rdquo;</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; font-weight: bold">Maturity Date</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; font-weight: bold"><FONT STYLE="font-weight: normal">March 3, 2025</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Subject to postponement as set forth in any accompanying product supplement under &ldquo;Description of the Securities&mdash;Postponement of calculation dates.&rdquo; If the Maturity Date is not a business day, the Redemption Amount will be payable on the first following business day, unless that business day falls in the next calendar month, in which case payment will be made on the first preceding business day.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Events of Default</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">With respect to these
securities, 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:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: bold 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 126pt"></TD><TD STYLE="width: 13.5pt; text-align: left"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD><FONT STYLE="font-weight: normal">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;</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 163.45pt; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">CUSIP</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">22553QF44</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>


<!-- Field: Page; Sequence: 3 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 24pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">Additional Terms Specific to the Securities</FONT></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 10%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><br>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">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 securities are a part. You may access these documents
on the SEC website at www.sec.gov as follows (or if such address has changed, by reviewing our filings for the relevant date on the SEC
website):</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&bull;&#9;&nbsp;&nbsp;&nbsp;Underlying Supplement dated June 18, 2020:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2in"><A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000095010320011950/dp130454_424b2-eus.htm">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 2in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&bull;&#9;&nbsp;&nbsp;&nbsp;Product Supplement No. I-B dated June 18, 2020:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2in"><A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000095010320011955/dp130588_424b2-ps1b.htm">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 2in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&bull;&#9;&nbsp;&nbsp;&nbsp;Prospectus Supplement and Prospectus dated June
18, 2020:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 2in"><A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000110465920074474/tm2019510-8_424b2.htm">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 2in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">In the event the terms of the securities described in this
pricing supplement differ from, or are inconsistent with, the terms described in the underlying supplement, any product supplement, the
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 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">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 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">This pricing supplement, together with the documents listed
above, contains the terms of the securities and supersedes all other prior or contemporaneous oral statements as well as any other written
materials including preliminary or indicative pricing terms, fact sheets, correspondence, trade ideas, structures for implementation,
sample structures, brochures or other educational materials of ours. We may, without the consent of the registered holder of the securities
and the owner of any beneficial interest in the securities, amend the securities to conform to its terms as set forth in this pricing
supplement and the documents listed above, and the trustee is authorized to enter into any such amendment without any such consent. You
should carefully consider, among other things, the matters set forth in &ldquo;Selected Risk Considerations&rdquo; in this pricing supplement
and &ldquo;Risk Factors&rdquo; in any accompanying product supplement, &ldquo;Foreign Currency Risks&rdquo; in the accompanying prospectus,
and any risk factors we describe in the combined Annual Report on Form 20-F of Credit Suisse Group AG and us incorporated by reference
therein, and any additional risk factors we describe in future filings we make with the SEC under the Securities Exchange Act of 1934,
as amended, as the securities involve risks not associated with conventional debt securities. You should consult your investment, legal,
tax, accounting and other advisors before deciding to invest in the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>


<!-- Field: Page; Sequence: 4 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 24pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">Hypothetical Redemption Amounts at
Maturity</FONT></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 10%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><br>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">The table and examples below make the following assumptions
and illustrate hypothetical Redemption Amounts payable at maturity on a $1,000 investment in the securities for a hypothetical range of
performance of the Lowest Performing Underlying. The actual Maximum Return, Buffer Levels and Buffer Amount are set forth in &ldquo;Key
Terms&rdquo; herein. The hypothetical Redemption Amounts set forth below are for illustrative purposes only. The actual Redemption Amount
applicable to a purchaser of the securities will be based on the Final Level of the Lowest Performing Underlying. It is not possible to
predict whether or by how much the Final Level of the Lowest Performing Underlying will be less than its Buffer Level. You should consider
carefully whether the securities are suitable to your investment goals. Any payment on the securities is subject to our ability to pay
our obligations as they become due. The numbers below have been rounded for ease of analysis.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 42%; border-bottom: Black 1pt solid"><B>Principal Amount&nbsp;</B></TD>
    <TD STYLE="width: 58%; border-bottom: Black 1pt solid">$1,000 per security</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Maximum Return</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">41% </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Buffer Level</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">For each Underlying, 80% of its Initial Level </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Buffer Amount</B></FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">20% </FONT></TD></TR>
  </TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P><!-- Field: Rule-Page --><DIV STYLE="margin: 1pt 0in 1pt 127.45pt"><DIV STYLE="font-size: 1pt; border-top: black 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->
<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; font-weight: bold">TABLE: Hypothetical Redemption Amounts</TD></TR>
  </TABLE>


<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 42%; border-bottom: black 1pt solid; text-align: center; font-size: 8pt; font-weight: bold">Underlying Return of the Lowest Performing Underlying</TD>
    <TD STYLE="width: 24%; border-bottom: black 1pt solid; text-align: center; font-size: 8pt; font-weight: bold">Security Performance Factor</TD>
    <TD STYLE="width: 34%; border-bottom: black 1pt solid">
    <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Redemption</P>
    <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P>
    <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Amount per $1,000 Principal Amount of Securities</P>
    <P STYLE="font: bold 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">100%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">41%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,410</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">90%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">41%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,410</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">80%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">41%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,410</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">70%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">41%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,410</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">60%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">41%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,410</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">50%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">41%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,410</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #D9D9D9">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">41%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">41%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,410</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">40%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">40%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,400</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">30%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">30%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,300</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">20%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">20%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,200</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">10%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">10%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,100</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">5%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">5%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,050</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #D9D9D9">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">0%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,000</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;5%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">5%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,050</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;10%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">10%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,100</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;20%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">20%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$1,200</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #D9D9D9">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;21%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;1%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$990</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;30%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;10%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$900</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;40%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;20%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$800</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;50%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;30%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$700</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;60%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;40%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$600</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;70%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;50%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$500</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;80%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;60%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$400</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;90%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;70%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$300</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;100%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&minus;80%</FONT></TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">$200</FONT></TD></TR>
  </TABLE>

<!-- Field: Page; Sequence: 5 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">The following examples
illustrate how the Redemption Amount is calculated.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 126pt"></TD><TD STYLE="width: 13.5pt">1.</TD><TD>The Lowest Performing Underlying increases by 95% from its Initial Level to its Final Level.</TD></TR></TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 51%; border-bottom: Black 1pt solid; text-align: center"><B>Underlying</B></TD>
    <TD STYLE="width: 49%; border-bottom: Black 1pt solid; text-align: center"><B>Final Level</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">Underlying A</TD>
    <TD STYLE="text-align: center">200% of Initial Level</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">Underlying B</TD>
    <TD STYLE="text-align: center">195% of Initial Level</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Because the Final Level of the Lowest Performing Underlying
is equal to or greater than its Initial Level, the Redemption Amount is determined as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR>
    <TD ROWSPAN="3" STYLE="vertical-align: top; width: 25%; border-top: #A8A8A7 1pt solid; border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">Security Performance Factor</FONT></TD>
    <TD STYLE="width: 75%; border-top: #A8A8A7 1pt solid; border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= the lesser of (i) Maximum Return and (ii) Underlying Return of the Lowest Performing Underlying</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= the lesser of (i) 41% and (ii) 95%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= 41%</FONT></TD></TR>
  <TR>
    <TD ROWSPAN="3" STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">Redemption Amount</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= $1,000 &times; (1 + Security Performance Factor)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= $1,000 &times; 1.41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= $1,410</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 130.5pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 130.5pt">Because the Final Level of the Lowest Performing Underlying
is equal to or greater than its Initial Level, the Security Performance Factor is equal to the appreciation in the Underlying Return of
the Lowest Performing Underlying, subject to the Maximum Return. Regardless of the appreciation of the Underlying, the Security Performance
Factor will not exceed the Maximum Return.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 130.5pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 126pt"></TD><TD STYLE="width: 0.25in">2.</TD><TD>The Lowest Performing Underlying increases by 5% from its Initial Level to its Final Level.</TD></TR></TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 51%; border-bottom: Black 1pt solid; text-align: center"><B>Underlying</B></TD>
    <TD STYLE="width: 49%; border-bottom: Black 1pt solid; text-align: center"><B>Final Level</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">Underlying A</TD>
    <TD STYLE="text-align: center">105% of Initial Level</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">Underlying B</TD>
    <TD STYLE="text-align: center">125% of Initial Level</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 130.5pt; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 130.5pt; text-indent: 0in"><FONT STYLE="font-weight: normal">Because
the Final Level of the Lowest Performing Underlying is equal to or greater than its Initial Level, the Redemption Amount is determined
as follows:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 130.5pt; text-indent: 0in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR>
    <TD ROWSPAN="3" STYLE="vertical-align: top; width: 25%; border-top: #A8A8A7 1pt solid; border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">Security Performance Factor</FONT></TD>
    <TD STYLE="width: 75%; border-top: #A8A8A7 1pt solid; border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= the lesser of (i) Maximum Return and (ii) Underlying Return of the Lowest Performing Underlying</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= the lesser of (i) 41% and (ii) 5%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= 5%</FONT></TD></TR>
  <TR>
    <TD ROWSPAN="3" STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">Redemption Amount</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= $1,000 &times; (1 + Security Performance Factor)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= $1,000 &times; 1.05</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= $1,050</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">Because the Final Level
of the Lowest Performing Underlying is equal to or greater than its Initial Level, the Security Performance Factor is equal to the appreciation
in the Underlying Return of the Lowest Performing Underlying, subject to the Maximum Return.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>


<!-- Field: Page; Sequence: 6 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 126pt"></TD><TD STYLE="width: 0.25in">3.</TD><TD>The Lowest Performing Underlying decreases by 10% from its Initial Level to its Final Level.</TD></TR></TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 51%; border-bottom: Black 1pt solid; text-align: center"><B>Underlying</B></TD>
    <TD STYLE="width: 49%; border-bottom: Black 1pt solid; text-align: center"><B>Final Level</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">Underlying A</TD>
    <TD STYLE="text-align: center">90% of Initial Level</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">Underlying B</TD>
    <TD STYLE="text-align: center">110% of Initial Level</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">Because the Final Level
of the Lowest Performing Underlying is less than its Initial Level but equal to or greater than its Buffer Level, the Redemption Amount
is determined as follows:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 25%; border-top: #A8A8A7 1pt solid; border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">Security Performance Factor</FONT></TD>
    <TD STYLE="width: 75%; border-top: #A8A8A7 1pt solid; border-bottom: #A8A8A7 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">=&boxv;Underlying Return of the Lowest Performing Underlying&boxv;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">=&boxv;-10%&boxv;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt">&nbsp;</TD>
    <TD STYLE="border-bottom: #A8A8A7 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">= 10%</FONT></TD></TR>
  <TR>
    <TD ROWSPAN="3" STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">Redemption Amount</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= $1,000 &times; (1 + Security Performance Factor)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= $1,000 &times; 1.10</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= $1,100</FONT></TD></TR>
  </TABLE>
<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">Because the Final
Level of the Lowest Performing Underlying is less than its Initial Level but equal to or greater than its Buffer Level, the Security Performance
Factor is equal to the </FONT>absolute value <FONT STYLE="font-weight: normal">of the Underlying Return of the Lowest Performing Underlying.</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 126pt"></TD><TD STYLE="width: 0.25in">4.</TD><TD>The Lowest Performing Underlying decreases by 60% from its Initial Level to its Final Level.</TD></TR></TABLE>

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

<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 51%; border-bottom: Black 1pt solid; text-align: center"><B>Underlying</B></TD>
    <TD STYLE="width: 49%; border-bottom: Black 1pt solid; text-align: center"><B>Final Level</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">Underlying A</TD>
    <TD STYLE="text-align: center">40% of Initial Level</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">Underlying B</TD>
    <TD STYLE="text-align: center">110% of Initial Level</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 130.5pt; text-indent: 0in"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 130.5pt; text-indent: 0in"><FONT STYLE="font-weight: normal">Because
the Final Level of the Lowest Performing Underlying is less than its Buffer Level, the Redemption Amount is determined as follows:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 130.5pt; text-indent: 0in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR>
    <TD ROWSPAN="3" STYLE="vertical-align: top; width: 25%; border-top: #A8A8A7 1pt solid; border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">Security Performance Factor</FONT></TD>
    <TD STYLE="width: 75%; border-top: #A8A8A7 1pt solid; border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= Underlying Return of the Lowest Performing Underlying + Buffer Amount</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= &minus;60% + 20%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= &minus;40%</FONT></TD></TR>
  <TR>
    <TD ROWSPAN="3" STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">Redemption Amount</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= $1,000 &times; (1 + Security Performance Factor)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= $1,000 &times; 0.60</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: #A8A8A7 1pt solid; font-size: 8pt"><FONT STYLE="font-size: 10pt">= $600</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 130.5pt; text-indent: 0in"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 130.5pt; text-indent: 0in"><FONT STYLE="font-weight: normal">Because
the Final Level of the Lowest Performing Underlying is less than its Buffer Level, you will be exposed to any depreciation in the Lowest
Performing Underlying from its Initial Level to its Final Level beyond its Buffer Level.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 130.5pt; text-indent: 0in">&nbsp;</P>


<!-- Field: Page; Sequence: 7 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 24pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">Selected Risk Considerations</FONT></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 10%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><br>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">An investment in the
securities involves significant risks. This section describes material risks relating to an investment in the securities. These risks
are explained in more detail in the &ldquo;Risk Factors&rdquo; section of any accompanying product supplement.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in"><I>Risks Relating to the Securities Generally</I></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><B>YOUR INVESTMENT IN THE SECURITIES MAY RESULT IN A LOSS
</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">If the Final Level of the Lowest Performing Underlying
is less than its Buffer Level, you will lose 1% of your principal for each 1% decline from its Initial Level to its Final Level beyond
its Buffer Level. You could lose up to $800 per $1,000 principal amount of securities. Any payment on the securities is subject to our
ability to pay our obligations as they become due.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><B>THE SECURITIES ARE SUBJECT TO THE CREDIT RISK OF CREDIT
SUISSE</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Investors are dependent on our ability to pay all amounts
due on the securities and, therefore, if we were to default on our obligations, you may not receive any amounts owed to you under the
securities. In addition, any decline in our credit ratings, any adverse changes in the market&rsquo;s view of our creditworthiness or
any increase in our credit spreads is likely to adversely affect the value of the securities prior to maturity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><B>REGARDLESS OF THE AMOUNT OF ANY PAYMENT YOU RECEIVE
ON THE SECURITIES, YOUR ACTUAL YIELD MAY BE DIFFERENT IN REAL VALUE TERMS</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Inflation may cause the real value of any payment you receive
on the securities to be less at maturity than it is at the time you invest. An investment in the securities also represents a forgone
opportunity to invest in an alternative asset that generates a higher real return. You should carefully consider whether an investment
that may result in a return that is lower than the return on alternative investments is appropriate for you.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><B>THE SECURITIES DO NOT PAY INTEREST</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">We will not pay interest on the securities. You may receive
less at maturity than you could have earned on ordinary interest-bearing debt securities with similar maturities, including other of our
debt securities, since the Redemption Amount is based on the performance of the Lowest Performing Underlying. Because the Redemption Amount
may be less than the amount originally invested in the securities, the return on the securities (the effective yield to maturity) may
be negative. Even if it is positive, the return payable on each security may not be enough to compensate you for any loss in value due
to inflation and other factors relating to the value of money over time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><B>LIMITED APPRECIATION POTENTIAL</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">If the Final Level of the Lowest Performing Underlying
is greater than its Initial Level, for each $1,000 principal amount of securities, you will receive at maturity $1,000 multiplied by the
sum of one plus the Security Performance Factor, subject to the Maximum Return. The Security Performance Factor will not exceed the Maximum
Return, regardless of the appreciation in the level of any Underlying, which may be significant. Accordingly, the maximum Redemption Amount
of the securities for each $1,000 principal amount of securities is $1,000 multiplied by the sum of one plus the Maximum Return. Any payment
on the securities is subject to our ability to pay our obligations as they become due.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><B>IF THE FINAL LEVEL OF THE LOWEST PERFORMING UNDERLYING
IS LESS THAN ITS INITIAL LEVEL BUT EQUAL TO OR GREATER THAN ITS BUFFER LEVEL, THE REDEMPTION AMOUNT WILL BE SUBJECT TO AN EMBEDDED CAP</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">If the Final Level of the Lowest Performing Underlying
is less than its Initial Level but equal to or greater than its Buffer Level, the Redemption Amount payable at maturity will equal the
principal amount of the securities you hold multiplied by the sum of one plus the absolute value of the Underlying Return of the Lowest
Performing Underlying. In this scenario, the maximum possible Redemption Amount of the securities is $1,200 per $1,000 principal amount
of securities. Any payment on the securities is subject to our ability to pay our obligations as they become due.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>


<!-- Field: Page; Sequence: 8 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">THE PROBABILITY THAT THE FINAL LEVEL OF THE LOWEST
PERFORMING UNDERLYING WILL BE LESS THAN ITS BUFFER LEVEL WILL DEPEND ON THE VOLATILITY OF SUCH UNDERLYING</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">&ldquo;Volatility&rdquo;
refers to the frequency and magnitude of changes in the level of an Underlying. The greater the expected volatility with respect to an
Underlying on the Trade Date, the higher the expectation as of the Trade Date that the Final Level of such Underlying could be less than
its Buffer Level, indicating a higher expected risk of loss on the securities. The terms of the securities are set, in part, based on
expectations about the volatility of the Underlyings as of the Trade Date. The volatility of any Underlying can change significantly over
the term of the securities. The level of any Underlying could fall sharply, which could result in a significant loss of principal. You
should be willing to accept the downside market risk of the Underlyings and the potential to lose a significant amount of your principal
at maturity.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">THE U.S. FEDERAL TAX CONSEQUENCES OF AN INVESTMENT
IN THE SECURITIES ARE UNCLEAR</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">There is no direct legal
authority regarding the proper U.S. federal tax treatment of the securities, and we do not plan to request a ruling from the Internal
Revenue Service (the &ldquo;IRS&rdquo;). Consequently, significant aspects of the tax treatment of the securities are uncertain, and the
IRS or a court might not agree with the treatment of the securities as prepaid financial contracts that are treated as &ldquo;open transactions.&rdquo;
If the IRS were successful in asserting an alternative treatment of the securities, the tax consequences of the ownership and disposition
of the securities, including the timing and character of income recognized by U.S. investors and the withholding tax consequences to non-U.S.
investors, might be materially and adversely affected. Moreover, future legislation, Treasury regulations or IRS guidance could adversely
affect the U.S. federal tax treatment of the securities, possibly retroactively.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in"><I>Risks Relating to the Underlyings</I></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">YOU WILL BE SUBJECT TO RISKS RELATING TO THE RELATIONSHIP
BETWEEN THE UNDERLYINGS</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">The securities are linked
to the individual performance of each Underlying. As such, the securities will perform poorly if only one of the Underlyings performs
poorly. For example, if one Underlying appreciates from its Initial Level to its Final Level, but the Final Level of the Lowest Performing
Underlying is less than its Buffer Level, you will be exposed to the depreciation of the Lowest Performing Underlying and you will not
benefit from the performance of any other Underlying. Each additional Underlying to which the securities are linked increases the risk
that the securities will perform poorly. By investing in the securities, you assume the risk that the Final Level of at least one of the
Underlyings will be less than its Buffer Level, regardless of the performance of any other Underlying.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">It is impossible to predict
the relationship between the Underlyings. If the performances of the Underlyings exhibit no relationship to each other, it is more likely
that one of the Underlyings will cause the securities to perform poorly. However, if the performances of the equity securities included
in each Underlying are related such that the performances of the Underlyings are correlated, then there is less likelihood that only one
Underlying will cause the securities to perform poorly. Furthermore, to the extent that each Underlying represents a different market
segment or market sector, the risk of one Underlying performing poorly is greater. As a result, you are not only taking market risk on
each Underlying, you are also taking a risk relating to the relationship among the Underlyings.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">THE SECURITIES ARE LINKED TO THE RUSSELL 2000<SUP>&reg;</SUP>
INDEX AND ARE SUBJECT TO THE RISKS ASSOCIATED WITH SMALL-CAPITALIZATION COMPANIES</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">The Russell 2000<SUP>&reg;</SUP>
Index is composed of equity securities issued by companies with relatively small market capitalization. These equity securities often
have greater stock price volatility, lower trading volume and less liquidity than the equity securities of large-capitalization companies,
and are more vulnerable to adverse business and economic developments than those of large-capitalization companies. In addition, small-capitalization
companies are typically less established and less stable financially than large-capitalization companies. These companies may depend on
a small number of key personnel, making them more vulnerable to loss of personnel. Such companies tend to have smaller revenues, less
diverse product lines, smaller shares of their product or service markets, fewer financial resources and less competitive strengths than
large-capitalization companies and are more susceptible to adverse developments related to their products. Therefore, the Russell 2000<SUP>&reg;</SUP>
Index may be more volatile than it would be if it were composed of equity securities issued by large-capitalization companies.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>


<!-- Field: Page; Sequence: 9 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">FOREIGN COMPANY RISK</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">Some of the assets included
in the Nasdaq-100 Index<SUP>&reg;</SUP> are issued by foreign companies. Foreign companies are generally subject to accounting, auditing
and financial reporting standards and requirements and securities trading rules different from those applicable to U.S. reporting companies.
Foreign companies may be subject to different political, market, economic, regulatory and other risks than those applicable to domestic
companies, including changes in foreign governments, economic and fiscal policies, currency exchange laws or other laws or restrictions.
Moreover, the economies of foreign countries may differ favorably or unfavorably from the economy of the United States in such respects
as growth of gross national product, rate of inflation, capital reinvestment, resources and self-sufficiency. These factors may adversely
affect the values of some of the equity securities included in the Nasdaq-100 Index<SUP>&reg;</SUP>, and therefore the performance of
the Nasdaq-100 Index<SUP>&reg;</SUP> and the value of the securities.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">NO OWNERSHIP RIGHTS RELATING TO THE UNDERLYINGS</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">Your return on the securities
will not reflect the return you would realize if you actually owned the equity securities that comprise the Underlyings. The return on
your investment is not the same as the total return based on the purchase of the equity securities included in the Underlyings.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">NO VOTING RIGHTS OR DIVIDEND PAYMENTS</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">As a holder of the
securities, you will not have voting rights or rights to receive cash dividends or other distributions or other rights with respect to
the equity securities included in the Underlyings</FONT>.</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">GOVERNMENT REGULATORY ACTION, INCLUDING LEGISLATIVE
ACTS AND EXECUTIVE ORDERS, COULD RESULT IN MATERIAL CHANGES TO THE UNDERLYINGS AND COULD NEGATIVELY AFFECT YOUR RETURN ON THE SECURITIES</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">Government regulatory
action, including legislative acts and executive orders, could materially affect the Underlyings. For example, in response to recent executive
orders, stocks of companies that are determined to be linked to the People&rsquo;s Republic of China military, intelligence and security
apparatus may be delisted from a U.S. exchange, removed as a component in indices or exchange traded funds, or transactions in, or holdings
of, securities with exposure to such stocks may otherwise become prohibited under U.S. law. If government regulatory action results in
such consequences, there may be a material and negative effect on the securities.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in"><I>Risks Relating to the Issuer</I></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><B>CREDIT SUISSE IS SUBJECT TO SWISS REGULATION</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">As a Swiss bank, Credit Suisse is subject to regulation
by governmental agencies, supervisory authorities and self-regulatory organizations in Switzerland. Such regulation is increasingly more
extensive and complex and subjects Credit Suisse to risks. For example, pursuant to Swiss banking laws, the Swiss Financial Market Supervisory
Authority (FINMA) may open resolution proceedings if there are justified concerns that Credit Suisse is over-indebted, has serious liquidity
problems or no longer fulfills capital adequacy requirements. FINMA has broad powers and discretion in the case of resolution proceedings,
which include the power to convert debt instruments and other liabilities of Credit Suisse into equity and/or cancel such liabilities
in whole or in part. If one or more of these measures were imposed, such measures may adversely affect the terms and market value of the
securities and/or the ability of Credit Suisse to make payments thereunder and you may not receive any amounts owed to you under the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in"><I>Risks Relating to Conflicts of Interest</I></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">HEDGING AND TRADING ACTIVITY</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">We or any of our affiliates
may carry out hedging activities related to the securities, including in instruments related to the Underlyings. We or our affiliates
may also trade instruments related to the Underlyings from time to time. Any of these hedging or trading activities on or prior to the
Trade Date and during the term of the securities could adversely affect our payment to you at maturity.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">POTENTIAL CONFLICTS</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">We and our affiliates
play a variety of roles in connection with the issuance of the securities, including acting as calculation agent and as agent of the issuer
for the offering of the securities, hedging our </FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>


<!-- Field: Page; Sequence: 10 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">obligations under the
securities and determining their estimated value. In performing these duties, the economic interests of us and our affiliates are potentially
adverse to your interests as an investor in the securities. Further, hedging activities may adversely affect any payment on or the value
of the securities. Any profit in connection with such hedging activities will be in addition to any other compensation that we and our
affiliates receive for the sale of the securities, which creates an additional incentive to sell the securities to you.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in"><I>Risks Relating to the Estimated Value and Secondary
Market Prices of the Securities</I></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">UNPREDICTABLE ECONOMIC AND MARKET FACTORS WILL AFFECT
THE VALUE OF THE SECURITIES</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">The payout on the securities
can be replicated using a combination of the components described in &ldquo;The estimated value of the securities on the Trade Date is
less than the Price to Public.&rdquo; Therefore, in addition to the levels of the Underlyings, the terms of the securities at issuance
and the value of the securities prior to maturity may be influenced by factors that impact the value of fixed income securities and options
in general, such as:</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 145.45pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD><FONT STYLE="font-weight: normal">the expected and actual
volatility of the Underlyings;</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 163.45pt; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 145.45pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD><FONT STYLE="font-weight: normal">the expected and actual
correlation, if any, between the Underlyings;</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 163.45pt; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 145.45pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD><FONT STYLE="font-weight: normal">the time to maturity of
the securities;</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 163.45pt; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 145.45pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD><FONT STYLE="font-weight: normal">the dividend rate on the
equity securities included in the Underlyings;</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 163.45pt; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 145.45pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD><FONT STYLE="font-weight: normal">interest and yield rates
in the market generally;</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 163.45pt; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 145.45pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD><FONT STYLE="font-weight: normal">investors&rsquo; expectations
with respect to the rate of inflation;</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 163.45pt; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 145.45pt"></TD><TD STYLE="width: 18pt; text-align: left"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD><FONT STYLE="font-weight: normal">geopolitical conditions
and economic, financial, political, regulatory, judicial or other events that affect the equity securities included in the Underlyings
or markets generally and which may affect the levels of the Underlyings; and</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 163.45pt; text-indent: -0.25in">&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: 145.45pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol; font-weight: normal">&middot;</FONT></TD><TD><FONT STYLE="font-weight: normal">our creditworthiness, including actual or anticipated downgrades in our credit ratings.</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 0pt 127.45pt"><FONT STYLE="font-weight: normal">Some or all of these
factors may influence the price that you will receive if you choose to sell your securities prior to maturity. The impact of any of the
factors set forth above may enhance or offset some or all of any change resulting from another factor or factors.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">THE ESTIMATED VALUE OF THE SECURITIES ON THE TRADE
DATE IS LESS THAN THE PRICE TO PUBLIC</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">The initial estimated
value of your securities on the Trade Date (as determined by reference to our pricing models and our internal funding rate) is less than
the original Price to Public. The Price to Public of the securities includes any discounts or commissions as well as transaction costs
such as expenses incurred to create, document and market the securities and the cost of hedging our risks as issuer of the securities
through one or more of our affiliates (which includes a projected profit). These costs will be effectively borne by you as an investor
in the securities. These amounts will be retained by Credit Suisse or our affiliates in connection with our structuring and offering of
the securities (except to the extent discounts or commissions are reallowed to other broker-dealers or any costs are paid to third parties).</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">On the Trade Date, we
value the components of the securities in accordance with our pricing models. These include a fixed income component valued using our
internal funding rate, and individual option components valued using proprietary pricing models dependent on inputs such as volatility,
correlation, dividend rates, interest rates and other factors, including assumptions about future market events and/or environments. These
inputs may be market-observable or may be based on assumptions made by us in our discretionary judgment. As such, the payout on the securities
can be replicated using a combination of these components and the value of these components, as determined by us using our pricing models,
will impact the terms of the securities at issuance. Our option valuation models are proprietary. Our pricing models take into account
factors such as interest rates, volatility and time to maturity of the securities, and they rely in part on certain assumptions about
future events, which may prove to be incorrect.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>


<!-- Field: Page; Sequence: 11 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">Because Credit Suisse&rsquo;s
pricing models may differ from other issuers&rsquo; valuation models, and because funding rates taken into account by other issuers may
vary materially from the rates used by Credit Suisse (even among issuers with similar creditworthiness), our estimated value at any time
may not be comparable to estimated values of similar securities of other issuers.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">EFFECT OF INTEREST RATE USED IN STRUCTURING THE SECURITIES</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">The internal funding
rate we use in structuring notes such as these securities is typically lower than the interest rate that is reflected in the yield on
our conventional debt securities of similar maturity in the secondary market (our &ldquo;secondary market credit spreads&rdquo;). If on
the Trade Date our internal funding rate is lower than our secondary market credit spreads, we expect that the economic terms of the securities
will generally be less favorable to you than they would have been if our secondary market credit spread had been used in structuring the
securities. We will also use our internal funding rate to determine the price of the securities if we post a bid to repurchase your securities
in secondary market transactions. See &ldquo;&mdash;Secondary Market Prices&rdquo; below.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">SECONDARY MARKET PRICES</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">If Credit Suisse (or
an affiliate) bids for your securities 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 Price to Public and the estimated value of the
securities on the Trade Date. The estimated value of the securities on the cover of this pricing supplement does not represent a minimum
price at which we would be willing to buy the securities in the secondary market (if any exists) at any time. The secondary market price
of your securities at any time cannot be predicted and will reflect the then-current estimated value determined by reference to our pricing
models, the related inputs and other factors, including our internal funding rate, customary bid and ask spreads and other transaction
costs, changes in market conditions and deterioration or improvement in our creditworthiness. In circumstances where our internal funding
rate is higher than our secondary market credit spreads, our secondary market bid for your securities could be less favorable than what
other dealers might bid because, assuming all else equal, we use the higher internal funding rate to price the securities and other dealers
might use the lower secondary market credit spread to price them. Furthermore, assuming no change in market conditions from the Trade
Date, the secondary market price of your securities will be lower than the Price to Public because it will not include any discounts or
commissions and hedging and other transaction costs. If you sell your securities to a dealer in a secondary market transaction, the dealer
may impose an additional discount or commission, and as a result the price you receive on your securities may be lower than the price
at which we may repurchase the securities from such dealer.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">We (or an affiliate)
may initially post a bid to repurchase the securities from you at a price that will exceed the then-current estimated value of the securities.
That higher price reflects our projected profit and costs, which may include discounts and commissions that were included in the Price
to Public, 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. </FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">The securities are not
designed to be short-term trading instruments and any sale prior to maturity could result in a substantial loss to you. You should be
willing and able to hold your securities to maturity.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">LACK OF LIQUIDITY</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><FONT STYLE="font-weight: normal">The securities will not
be listed on any securities exchange. Credit Suisse (or its affiliates) intends to offer to purchase the securities 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
securities when you wish to do so. Because other dealers are not likely to make a secondary market for the securities, the price at which
you may be able to trade your securities is likely to depend on the price, if any, at which Credit Suisse (or its affiliates) is willing
to buy the securities. If you have to sell your securities prior to maturity, you may not be able to do so or you may have to sell them
at a substantial loss.</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>


<!-- Field: Page; Sequence: 12 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 24pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">Supplemental Use of Proceeds and Hedging</FONT></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 10%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><br>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">We intend to use the proceeds of this offering for our
general corporate purposes, which may include the refinancing of existing debt outside Switzerland. Some or all of the proceeds we receive
from the sale of the securities may be used in connection with hedging our obligations under the securities through one or more of our
affiliates. Such hedging or trading activities on or prior to the Trade Date and during the term of the securities (including on any calculation
date, as defined in any accompanying product supplement) could adversely affect the value of the Underlyings and, as a result, could decrease
the amount you may receive on the securities at maturity. For additional information, see &ldquo;Supplemental Use of Proceeds and Hedging&rdquo;
in any accompanying product supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>


<!-- Field: Page; Sequence: 13 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 24pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">Historical Information</FONT></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 10%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><br>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">The following graphs set forth the historical performance
of the Underlyings based on the closing levels of such Underlyings from January 3, 2017 through August 26, 2022. We obtained the historical
information below from Bloomberg, without independent verification. The closing levels reported by Bloomberg may not be the same as the
closing levels derived from the applicable Reuters page.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">You should not take the historical levels of the Underlyings
as an indication of future performance of the Underlyings or the securities. Any historical trend in the levels of the Underlyings during
any period set forth below is not an indication that the levels of the Underlyings are more or less likely to increase or decrease at
any time over the term of the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">For additional information on the Underlyings, see &ldquo;The
Reference Indices&mdash;The FTSE Russell Indices&mdash;The Russell Indices&mdash;The Russell 2000<SUP>&reg;</SUP> Index&rdquo; and &ldquo;The
Reference Indices&mdash;The Nasdaq-100 Index<SUP>&reg;</SUP>&rdquo; in the accompanying underlying supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>
<!-- Field: Rule-Page --><DIV STYLE="margin: 1pt 0in 1pt 127.45pt"><DIV STYLE="font-size: 1pt; border-top: black 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->
<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; font-weight: bold">The closing level of the Russell 2000<SUP>&reg;</SUP> Index on August 26, 2022 was 1899.830.</TD></TR>
  </TABLE>
<DIV STYLE="margin-right: 0in; margin-left: 127.45pt; padding: 1pt 0in 0in; border-top: white 0.5pt solid">

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_006.gif" ALT="" STYLE="height: 334px; width: 559px"></P>

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

<!-- Field: Page; Sequence: 14 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->


<!-- Field: Rule-Page --><DIV STYLE="margin: 1pt 0in 1pt 127.45pt"><DIV STYLE="font-size: 1pt; border-top: black 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->
<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; font-weight: bold">The closing level of the Nasdaq-100 Index<SUP>&reg;</SUP> on August 26, 2022 was 12605.17. </TD></TR>
  </TABLE>
<DIV STYLE="margin-right: 0in; margin-left: 127.45pt; padding: 1pt 0in 0in; border-top: white 0.5pt solid">

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_007.gif" ALT="" STYLE="height: 322px; width: 544px"></P>

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

</DIV>


<!-- Field: Page; Sequence: 15 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 24pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">United States Federal Tax Considerations</P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 10%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><br>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">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 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">There are no statutory, judicial or administrative authorities
that address the U.S. federal income tax treatment of the securities or instruments that are similar to the securities. In the opinion
of our counsel, Davis Polk &amp; Wardwell LLP, which is based on current market conditions, a security 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 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Assuming this treatment of the securities is respected
and subject to the discussion in &ldquo;United States Federal Tax Considerations&rdquo; in the accompanying product supplement, the following
U.S. federal income tax consequences should result:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&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: 145.45pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>You should not recognize taxable income over the term of the securities prior to maturity, other than pursuant to a sale or other
disposition.</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: 145.45pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>Upon a sale or other disposition (including retirement) of a security, you should recognize capital gain or loss equal to the difference
between the amount realized and your tax basis in the security. Such gain or loss should be long-term capital gain or loss if you held
the security for more than one year.</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 0pt 127.45pt">We do not plan to request a ruling from the IRS regarding
the treatment of the securities, and the IRS or a court might not agree with the treatment described herein. In particular, the IRS could
treat the securities as contingent payment debt instruments, in which case the tax consequences of ownership and disposition of the securities,
including the timing and character of income recognized, 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 securities, possibly with retroactive effect. You should consult your tax advisor regarding possible alternative
tax treatments of the securities and potential changes in applicable law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><B>Non-U.S. Holders </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">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 securities, 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 securities, provided that (i) income in respect of the securities 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 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">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, 2025 that do not have a &ldquo;delta&rdquo; of one with respect to any U.S. equity. Based on the terms of the securities and
representations provided by us, our counsel is of the opinion that the securities should not be treated as transactions that have a &ldquo;delta&rdquo;
of one within the meaning of the regulations with respect to any U.S. equity and, therefore, should not be subject to withholding tax
under Section 871(m).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>


<!-- Field: Page; Sequence: 16 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">A determination that the securities are not subject to
Section 871(m) is not binding on the IRS, and the IRS may disagree with this determination. Moreover, Section 871(m) is complex and its
application may depend on your particular circumstances, including your other transactions. You should consult your tax advisor regarding
the potential application of Section 871(m) to the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">If withholding tax applies to the securities, 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 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><B>You should read the section entitled &ldquo;United States
Federal Tax Considerations&rdquo; in the accompanying product supplement. The preceding discussion, when read in combination with that
section, constitutes the full opinion of Davis Polk &amp; Wardwell LLP regarding the material U.S. federal tax consequences of owning
and disposing of the securities. </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt"><B>You should also consult your tax advisor regarding all
aspects of the U.S. federal income and estate tax consequences of an investment in the securities and any tax consequences arising under
the laws of any state, local or non-U.S. taxing jurisdiction. </B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>


<!-- Field: Page; Sequence: 17 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 24pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">Supplemental Plan of Distribution
(Conflicts of Interest)</FONT></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 10%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><br>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">Under the terms and subject to the conditions contained
in a distribution agreement dated May 7, 2007, as amended, which we refer to as the distribution agreement, we have agreed to sell the
securities to CSSU and InspereX LLC (each, an &ldquo;Agent&rdquo; and, collectively, the &ldquo;Agents&rdquo;) and the Agents have agreed
to buy, severally and not jointly, the respective principal amounts of the securities set forth below opposite their names.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 127.45pt">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 51%; border-bottom: Black 1pt solid; padding-left: 93.25pt"><B>Agent</B></TD>
    <TD STYLE="vertical-align: bottom; width: 48%; border-bottom: Black 1pt solid; padding-left: 30.6pt"><B>Principal Amount of Securities</B></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 1%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-left: 34.75pt">Credit Suisse Securities (USA) LLC</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-left: 102.6pt; text-indent: -0.25in">$2,582,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 84.25pt">InspereX LLC</TD>
    <TD COLSPAN="2" STYLE="padding-left: 80.1pt">&nbsp;&nbsp;$1,176,000</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">The distribution agreement provides that the Agents are
obligated to purchase all of the securities if any are purchased.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">The Agents will offer the securities at the offering price
set forth on the cover page of this pricing supplement and will receive discounts and commissions of $27.50 per $1,000 principal amount
of securities. The Agents may re-allow some or all of the discount on the principal amount per security on sales of such securities by
other brokers or dealers. The Agents will forgo some or all discounts and commissions with respect to the sales of securities into certain
fiduciary accounts. If all of the securities are not sold at the initial offering price, the Agents may change the public offering price
and other selling terms.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">An affiliate of Credit Suisse has paid or may pay in the
future a fixed amount to broker-dealers in connection with the costs of implementing systems to support these securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">We expect to deliver the securities against payment for
the securities on the Settlement 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 Settlement Date is more than two business
days after the Trade Date, purchasers who wish to transact in the securities more than two business days prior to the Settlement 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 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">CSSU is our affiliate. In accordance with FINRA Rule 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 securities will be used by CSSU or one of its affiliates in connection with hedging our obligations
under the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">For further information, please refer to &ldquo;Underwriting
(Conflicts of Interest)&rdquo; in any accompanying product supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">&nbsp;</P>


<!-- Field: Page; Sequence: 18 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 24pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">Validity of the Securities</FONT></P>

<P STYLE="font: 7pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 10%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --><br>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 127.45pt">In the opinion of Davis Polk &amp; Wardwell LLP, as United
States counsel to Credit Suisse, when the securities 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 securities 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
securities. 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 August 12, 2022 and filed by Credit Suisse as an exhibit to a Current
Report on Form 6-K on August 12, 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 securities, the trustee&rsquo;s authorization,
execution and delivery of the indenture and its authentication of the securities, 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 August 12, 2022, which
was filed by Credit Suisse as an exhibit to a Current Report on Form 6-K on August 12, 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 0pt 127.45pt">&nbsp;</P>


<!-- Field: Page; Sequence: 19 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: right; width: 90%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt">Absolute Return Buffered Securities</FONT></TD><TD STYLE="text-align: right; width: 10%; font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 8pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

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

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="2" STYLE="width: 75%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; margin-left: 0pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%"><IMG SRC="image_010.jpg" ALT="" STYLE="height: 57px; width: 228px"></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>CREDIT SUISSE SECURITIES (USA) LLC</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">credit-suisse.com</P>
    <P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 8pt"><FONT STYLE="font-size: 8pt">Copyright &copy; 2022 Credit Suisse Group AG and/or its affiliates. All rights reserved.&nbsp;</FONT></TD></TR>
  </TABLE>

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

<!-- Field: Rule-Page --><DIV STYLE="margin: 3pt auto; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>2
<FILENAME>dp179314_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 $3,758,000.</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_009.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_009.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  Z .H# 2(  A$! Q$!_\0
M'P   04! 0$! 0$           $" P0%!@<("0H+_\0 M1   @$# P($ P4%
M! 0   %] 0(#  01!1(A,4$&$U%A!R)Q%#*!D:$((T*QP152T? D,V)R@@D*
M%A<8&1HE)B<H*2HT-38W.#DZ0T1%1D=(24I35%565UA96F-D969G:&EJ<W1U
M=G=X>7J#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&
MQ\C)RM+3U-76U]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0 'P$  P$! 0$!
M 0$! 0        $" P0%!@<("0H+_\0 M1$  @$"! 0#! <%! 0  0)W  $"
M Q$$!2$Q!A)!40=A<1,B,H$(%$*1H;'!"2,S4O 58G+1"A8D-.$E\1<8&1HF
M)R@I*C4V-S@Y.D-$149'2$E*4U155E=865IC9&5F9VAI:G-T=79W>'EZ@H.$
MA8:'B(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4
MU=;7V-G:XN/DY>;GZ.GJ\O/T]?;W^/GZ_]H # ,!  (1 Q$ /P#W^BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *S/[?T]-4
M&EW,PMKYAF.*;Y?-'JAZ-]!R.X%:=<[XT\*V_BW0);*3:ERF7MICUC?M^!Z'
M_P"L*<;7U$[VT.BJC)JEO;ZE%8W+"&6?/V<L?EEQU /]X>GIR,\X\%\/_$SQ
M'X2O&T[5 ][;P.8I(+AOWD9!P0K]>/0Y'TKU*34=!^)_A>YL[&Z5;G;O1)/E
MEMY!]UL?7N.,$C-:RI.+UV(C44MMSMJ*\C\!_$V6.Z_X1[Q3+LN8G,,=W(>K
M XVR'US_ !?GZUZY43@X.S*C)25T%%%%04%%%<SJOC[P_I5Z;%KI[N^!P;:S
MB,S@^AQP#[$YII-[";2W.FHKD!\2="B=%U&+4M,#G"M?63QJ?QP:ZFUNK>]M
MH[FUGCG@D&Y)(V#*P]B*'%K= I)[$U%%%(84444 %%%% !1110 4444 %%<G
M<?$314FFCLX=0U)8#MEEL+5I8T/NW3\JV-!\1:9XET\WNESF6)7*/N0J48 '
M!!^HJG&25VA*2>B-2BBBI&%%%% !1110 4444 >%?&OPV+/5K?7K=,17G[J?
M X$BC@_BH_\ '3ZUYC9WESI]W'=6<\D%Q&<I)&VU@?K7T]X_T8:YX)U.U"YE
M2(S1>N]/F 'UP1^-?+5=]"7-"SZ''6CRRNCO;WP5J_B3PS#XQL\7=Q=F1[RW
M1,/N5V4NH'7.W) [DX]NI^%GQ%.8O#FMS'=]RTN)#^4;'^1_#TKF]!^+>I^'
M]%M-+MM,L6@MEV@MOW-SDD\]22:QO$6O:5XKO5NQIJZ3J#L/-FCD+0R9_B9<
M94^XSGT[T.,I)QDM.@*2C[T7J?4-%<CX#U35Y]+73M>@9;V! 8KD,'CNHNSJ
MXR">F?J#WKKJX9*SL=:=U<X#XL^*;CP[X;CM[*0Q7=^YC613@H@'S$>_('XU
ML^"?"5IX6T."-(4-_*@:ZN,?,['DC/H.@'MGK7&?'/3IY=,TG4HU)CM99(Y"
M.=N_:0?S3'XBO2]&U2#6M%L]2MF#17,0<>Q[CZ@Y'X5J]*:MU(6LW<GO+.VU
M"TEM+R".>WE&UXY%R&%<7KL=WX!^%TPTJ\(EL''E.T8;*//PI!ST5\9]17=U
MPWQ-N[>]^&&LR6TJRHKQQEEZ;EG16'X$$?A44]6ETN.>S9D7&M>,](\&VGBM
MM6LM0MWABGFM);01%5?' 93R06'I_2N\TO55USPW;ZI;;H1<V_F+D E"1^1P
M:\=UI_$%OX&\.?VQ)'/X5EC@$T=B-DP7:"H<MGT[<$CMQ7LVG+8)H%LNE[/L
M MQ]GV=-FWC]*NHDE\R8-MGGO@?4?&7C/1)M1_X2>&S\NX:#R_[-CDSA5;.<
MC^]TQVKI=7O->T/X=7MW=WL3ZO;([?:(XUVMB0[3MQCE,9%<+\)]%U/4?"UU
M-9>(;K3HQ>NIAABC8,=B'=E@3GD#\*[_ ,?J4^'>L*SEV%K@L>YR.:<[>TMY
MBC?DOY&'X<_X3;Q!X:L]8B\46J/<*6%O)IR[1AB,%@<]O2KWA_QEJ!\2OX8\
M36<-KJNW?!- 3Y5PO)RN>1P#^1Z$8JU\,_\ DG6C?]<W_P#0VKE_B%_I'Q.\
M'6]I_P ?J2J[E>H3S >?;"O^M&DI.+7<>JBI&U=>(]5@^+]EH"W(.FSVIE:(
MQKD$(_1L9ZJ#3-;B\::9HVJ:NWB2WB6W$LT=JM@C_("2H+DCG&.Q_&LW4?\
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M49S<)I^?*8DG9M;:0"?X3D$#M522FG*/S1,6XM1D;/PW\2:MK\VN1:I<K/\
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M/3!_.FHVYKVZ";O:QZAH-MK%O:7$.MWL5[,)CY4T<0C#1[5QE1T.=WK5*Q\
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=BB 9W$E@"221[<"MFBBI;N-*P4444AA1110!_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>image_006.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_006.gif
M1TE&.#EA+P). 7< ,2'^&E-O9G1W87)E.B!-:6-R;W-O9G0@3V9F:6-E "'Y
M! $     +      O DX!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;&JG?Q*#,%@9IYX@H@Y(5WK/22D*085B2$$=FM"Q5=)9\2340RMUSI[Z]*=
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MD':H)W6<!WRIYPH)H'I0_YAZ>+B&!4$#2T<8RT=^1-@E1DB'-1&&1D>)7)<
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MV.>9$4BJL_]'$$M8S765'!6$5J:B(#*V8^=F;8=TS<7;Q,OG!1;[NG$'AX*
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MA">DE0A1N$(J:<ILQ(E=1DS(0AJBJ%^JHHNY4E6VCZBPAC],T9HNYY31X0A
M,P1B$OMSPXNA3BEFTYP/E3C% +& 4QK;85YTYL2?=<V+7P1C&,4X1C*6T8QG
M1&,:Y7>8V&&.;#H[VT0T]407[JF.=KPCG^JH1Q?R<8YWU-,> >E'/ HRCX-$
MY"$5:4A&]C&1C?SC(ATIR4A"LI"3M&0@,;G)2G+RDIT$Y2=%J<E0DG*4A#1E
M*E&YRD=Z4I6M+"4KZTB]'3J'8^<BV$202$5>;D=E ^,4>) 2GB<B!GV]1&:
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M:+1-;3;[UPB8LWP] +PU/YHSR^$XD+NC7DM UA/ D,"<!NPT SS WR/ @Y-
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MT4EN=+B5M$D\"DJ*<4FYFTEE^Z6DK$G* SK42ADBE#:HI$*4+$:@BR^,G#/
M.PF+*\G2\\KR@["=7+"B5 HII#[?,TL/(T9!RZ^SG,NT_$6YC#RZ_#:[[,J0
MY!$CE+PY>SSV(4+ <\0B,SRV.\'O:C+#?*\\<T1L8\4F>Z/'##1Z%#-H),*
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;Y5(VY5-&Y516Y55FY59VY5>&Y5B69?P)"  [

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>image_007.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_007.gif
M1TE&.#EA( )" 7< ,2'^&E-O9G1W87)E.B!-:6-R;W-O9G0@3V9F:6-E "'Y
M! $     +      @ D(!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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MMR$VG42ZO280?A3I=Y%?[PETG&^/]>9;=@6!YY!NI 76EV/KC:7A0*[E59]
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M I72/AO*T'<&5$].G.CI5+K.EKJT*5-\J4QG.M/_T?2F.,VI3G?*TY[Z]*=
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MT-H2E$ZZ)98VR;I>HN!*.YITGJ8N3#"=Z1 _I]1S%36H!2S@4<]&U:<FW4_
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GQNJLUNJMYNJN]NJO!NNP%NNQ)NNR-NNS1NNT5NNU9NNVKJ&    [

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>6
<FILENAME>image_010.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 image_010.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  Z .H# 2(  A$! Q$!_\0
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MQKD$(_1L9ZJ#3-;B\::9HVJ:NWB2WB6W$LT=JM@C_("2H+DCG&.Q_&LW4?\
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M49S<)I^?*8DG9M;:0"?X3D$#M522FG*/S1,6XM1D;/PW\2:MK\VN1:I<K/\
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M/3!_.FHVYKVZ";O:QZAH-MK%O:7$.MWL5[,)CY4T<0C#1[5QE1T.=WK5*Q\
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=BB 9W$E@"221[<"MFBBI;N-*P4444AA1110!_]D!

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