<SEC-DOCUMENT>0000950103-22-014969.txt : 20220831
<SEC-HEADER>0000950103-22-014969.hdr.sgml : 20220831
<ACCEPTANCE-DATETIME>20220831171023
ACCESSION NUMBER:		0000950103-22-014969
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		8
FILED AS OF DATE:		20220831
DATE AS OF CHANGE:		20220831

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:		221218679

	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>dp179248_424b2-u6903.htm
<DESCRIPTION>FORM 424B2
<TEXT>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red">The information in this preliminary
pricing supplement is not complete and may be changed. This preliminary pricing supplement is not an offer to sell these securities and
it is not soliciting an offer to buy these securities in any jurisdiction where the offer or sale is not permitted.</P>

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  <TR>
    <TD COLSPAN="2" STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="3">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: red">Subject to completion, dated August 31, 2022</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">PRELIMINARY PRICING SUPPLEMENT No. U6903</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(To the Underlying Supplement dated June 18, 2020,</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Product Supplement No. WF-I dated July 27, 2022,</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prospectus Supplement dated June 18, 2020 and</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Prospectus dated June 18, 2020)</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 13.6pt; color: #BB0826"><B>Equity Index Linked Securities</B></P></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap">
    <P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt"><IMG SRC="image_003.jpg" ALT=""></FONT></P>
    <P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">Filed Pursuant to Rule 424(b)(2)<BR>
Registration Statement No. 333-238458-02<BR>
August 31, 2022</P></TD></TR>
  <TR>
    <TD STYLE="width: 3%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 36%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 10%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 48%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 3%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD></TR>
  </TABLE>
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  <TR>
    <TD STYLE="vertical-align: top; width: 3%; background-color: #D5D9D8; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 96%; background-color: rgb(213,217,216)">
    <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Auto-Callable with
    Contingent Coupon and Contingent Downside</B></P>
    <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Principal at Risk Securities Linked to the Lowest
    Performing of the Dow Jones Industrial Average&trade;, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP>
    due September 28, 2023</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P></TD>
    <TD STYLE="background-color: rgb(213,217,216); width: 1%; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD COLSPAN="3">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;Linked
    to the <B>lowest performing</B> of the Dow Jones Industrial Average&trade;, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100
    Index<SUP>&reg;</SUP> (each referred to as an &ldquo;<U>Index</U>&rdquo; and collectively as the &ldquo;<U>Indices</U>&rdquo;) </FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;Unlike
    ordinary debt securities, the securities do not provide for fixed payments of interest, do not repay a fixed amount of principal at maturity
    and are subject to potential automatic call prior to maturity upon the terms described below. Whether the securities pay a contingent
    coupon, whether the securities are automatically called prior to maturity and, if they are not automatically called, whether you receive
    the face amount of your securities at maturity will depend in each case on the closing level of the lowest performing Index on the relevant
    calculation day. The lowest performing Index on any calculation day is the Index that has the lowest closing level on that calculation
    day as a percentage of its starting level</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Contingent
    Coupon.</B> The securities will pay a contingent coupon on a monthly basis until the earlier of the stated maturity date or automatic
    call if, <B>and only if</B>, the closing level of the lowest performing Index on the calculation day for that month is greater than or
    equal to its threshold level. However, if the closing level of the lowest performing Index on a calculation day is less than its threshold
    level, you will not receive any contingent coupon for the relevant month. If the closing level of the lowest performing Index is less
    than its threshold level on every calculation day, you will not receive any contingent coupons throughout the entire term of the securities.
    The contingent coupon rate will be determined on the pricing date and will be at least 11.25% per annum. Contingent coupons should not
    be viewed as ordinary periodic interest payments</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;<B>Automatic
    Call.</B> If the closing level of the lowest performing Index on any of the monthly calculation days from March 2023 to August 2023, inclusive,
    is greater than or equal to its starting level, the securities will be automatically called for the face amount plus a final contingent
    coupon payment</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;<B>Potential
    Loss of Principal.</B> If the securities are not automatically called prior to maturity, you will receive the face amount at maturity
    if, <B>and only if</B>, the closing level of the lowest performing Index on the final calculation day is greater than or equal to its
    threshold level. If the closing level of the lowest performing Index on the final calculation day is less than its threshold level, you
    will lose more than 25%, and possibly all, of the face amount of your securities</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;The
    threshold level for each Index is equal to 75% of its starting level</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;If
    the securities are not automatically called prior to maturity, you will have full downside exposure to the lowest performing Index from
    its starting level if its closing level on the final calculation day is less than its threshold level, but you will not participate in
    any appreciation of any Index and will not receive any dividends on securities included in any Index</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Your
    return on the securities will depend solely on the performance of the Index that is the lowest performing Index on each calculation day.
    You will not benefit in any way from the performance of the better performing Indices. Therefore, you will be adversely affected if <B>any
    Index</B> performs poorly, even if the other Indices perform favorably</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;All
    payments on the securities are subject to the credit risk of Credit Suisse; if Credit Suisse defaults on its obligations, you could lose
    some or all of your investment</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"><FONT STYLE="font-family: Wingdings">n</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;No
    exchange listing; you should be willing and able to hold your securities to maturity</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 7.9pt 0pt 0.25in; text-align: justify; text-indent: -13.7pt; color: white"></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: justify"><B>The securities have complex features and investing
in the securities involves risks not associated with an investment in conventional debt securities. See &ldquo;Selected Risk Considerations&rdquo;
beginning on page PRS-9 of this pricing supplement and &ldquo;Risk Factors&rdquo; beginning on page PS-4 of the accompanying product supplement.</B></P>

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

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

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

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

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

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<TD STYLE="width: 0"></TD><TD STYLE="width: 12.25pt"><SUP>(2)</SUP></TD><TD STYLE="text-align: justify">Credit Suisse may pay a fee of up to $1.00 per security to selected securities dealers in consideration
for marketing and other services in connection with the distribution of the securities to other securities dealers.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Credit Suisse AG (&ldquo;<U>Credit Suisse</U>&rdquo;)
currently estimates the value of each $1,000 face amount of the securities on the pricing date will be between $940 and $982.50 (as determined
by reference to our pricing models and the rate we are currently paying to borrow funds through issuance of the securities (our &ldquo;<U>internal
funding rate</U>&rdquo;)). This range of estimated values reflects terms that are not yet fixed. A single estimated value reflecting final
terms will be determined on the pricing date. See &ldquo;Selected Risk Considerations&rdquo; in this pricing supplement.</B></P>

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Wells Fargo Securities</B></P>

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


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<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with
Contingent Coupon and Contingent Downside </B></P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal
at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP>
Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P>

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

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    <TD STYLE="width: 100%; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt"><BR STYLE="clear: both">
</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white"><B>Terms of the Securities</B></FONT></TD></TR>
  </TABLE>

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

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    <TD STYLE="text-align: left; width: 20%; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Market Measures:</B></FONT></TD>
    <TD STYLE="width: 80%; padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">The Dow Jones Industrial Average<SUP>&trade;</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> (each referred to as an &ldquo;<U>Index</U>,&rdquo; and collectively as the &ldquo;<U>Indices</U>&rdquo;) </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Pricing Date*:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">September 30, 2022</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Issue Date*:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">October 5, 2022</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Original Offering Price:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">$1,000 per security</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Face Amount:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">$1,000 per security. References in this pricing supplement to a &ldquo;<U>security</U>&rdquo; are to a security with a face amount of $1,000.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Contingent Coupon Payment:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">On each contingent coupon payment date,
    you will receive a contingent coupon payment at a per annum rate equal to the contingent coupon rate if, <B>and only if</B>, the closing
    level of the lowest performing Index on the immediately preceding calculation day is greater than or equal to its threshold level.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">Each contingent coupon payment, if any,
    will be calculated per security as follows: ($1,000 x contingent coupon rate) / 12. Any contingent coupon payment will be rounded to the
    nearest cent, with one-half cent rounded upward.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify"><B>If the closing level of the
lowest performing Index on any calculation day is less than its threshold level, you will not receive any contingent coupon payment on
the related contingent coupon payment date. If the closing level of the lowest performing Index is less than its threshold level on all
calculation days, you will not receive any contingent coupon payments over the term of the securities. </B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Contingent Coupon Payment Dates:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">Monthly, on the third business day following each calculation day (as each such calculation day may be postponed pursuant to &ldquo;&mdash;Market Disruption Events and Postponement Provisions&rdquo; below, if applicable); provided that the contingent coupon payment date with respect to the final calculation day will be the stated maturity date.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Contingent Coupon Rate:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">The &ldquo;<U>contingent coupon rate</U>&rdquo; will be determined on the pricing date and will be at least 11.25% per annum. </FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Automatic Call:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">If the closing level of the lowest performing
    Index on any of the calculation days from March 2023 to August 2023, inclusive, is greater than or equal to its starting level, the securities
    will be automatically called, and on the related call settlement date you will be entitled to receive a cash payment per security in U.S.
    dollars equal to the face amount plus a final contingent coupon payment. The securities will not be subject to automatic call until the
    sixth monthly calculation day, which is approximately six months after the issue date.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">If the securities are automatically
called, they will cease to be outstanding on the related call settlement date and you will have no further rights under the securities
after such call settlement date. You will not receive any notice from us if the securities are automatically called.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Calculation Days*:</B></FONT></TD>
    <TD STYLE="padding-left: 7.95pt; text-align: justify"><FONT STYLE="font-size: 10pt">Monthly, on the 24th day of each month, commencing October 2022 and ending September 2023, each subject to postponement as described below under &ldquo;&mdash;Market Disruption Events and Postponement Provisions.&rdquo; We refer to September 25, 2023 as the &ldquo;<U>final calculation day</U>.&rdquo;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Call Settlement Date:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">Three business days after the applicable calculation day (as each such calculation day may be postponed pursuant to &ldquo;&mdash;Market Disruption Events and Postponement Provisions&rdquo; below, if applicable).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Stated Maturity Date*:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">September 28, 2023, subject to postponement. The securities are not subject to repayment at the option of any holder of the securities prior to the stated maturity date.</FONT></TD></TR>
  </TABLE>

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD ROWSPAN="3" STYLE="text-align: left; width: 20%; border-top: white 1pt solid; border-bottom: white 1pt solid; background-color: #E0E3E2"><FONT STYLE="font-size: 10pt"><B>Maturity Payment Amount:</B></FONT></TD>
    <TD STYLE="width: 80%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">If the securities are not automatically
    called prior to maturity, you will be entitled to receive on the stated maturity date a cash payment per security in U.S. dollars equal
    to the maturity payment amount (in addition to the final contingent coupon payment, if any). The &ldquo;<U>maturity payment amount</U>&rdquo;
    per security will equal:</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 19.45pt; text-align: justify; text-indent: -12.25pt">&bull;&#9;if
    the ending level of the lowest performing Index on the final calculation day is greater than or equal to its threshold level: $1,000;
    or</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 19.45pt; text-align: justify; text-indent: -12.25pt">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 19.45pt; text-align: justify; text-indent: -12.25pt">&bull;&#9;if
    the ending level of the lowest performing Index on the final calculation day is less than its threshold level:</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 19.45pt; text-align: justify; text-indent: -12.25pt">&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in; text-align: justify"><FONT STYLE="font-size: 10pt">$1,000 &times; performance factor of the lowest performing Index on the final calculation day</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify"><B>If the securities are not automatically
    called prior to maturity and the ending level of the lowest performing Index on the final calculation day is less than its threshold level,
    you will lose more than 25%, and possibly all, of the face amount of your securities at maturity.</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify"><B>Any return on the securities will
    be limited to the sum of your contingent coupon payments, if any. You will not participate in any appreciation of any Index, but you will
    have full downside exposure to the lowest performing Index on the final calculation day if the ending level of that Index is less than
    its threshold level.</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">All payments on the securities
are subject to the credit risk of Credit Suisse; if Credit Suisse defaults on its obligations, you could lose some or all of your investment.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Lowest Performing Index:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">On any calculation day, the &ldquo;<U>lowest performing Index</U>&rdquo; will be the Index with the lowest performance factor on that calculation day.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Performance Factor: </B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">With respect to an Index on any calculation day, its closing level on such calculation day <I>divided by</I> its starting level (expressed as a percentage).</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Closing Level:</B></FONT></TD>
    <TD STYLE="padding-left: 9.35pt; text-align: justify"><FONT STYLE="font-size: 10pt">With respect to each Index, closing level has the meaning set forth under &ldquo;General Terms of the Securities&mdash;Certain Terms for Securities Linked to an Index&mdash;Certain Definitions&rdquo; in the accompanying product supplement.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Starting Level:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify">With respect to the Dow Jones Industrial
    Average<SUP>&trade;</SUP>: , its closing level on the pricing date.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify">
    With respect to the Russell 2000<SUP>&reg;</SUP> Index: , its closing level on the pricing date.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify">
    With respect to the Nasdaq-100 Index<SUP>&reg;</SUP>: , its closing level on the pricing date.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify">In the event that the closing
level for any Index is not available on the pricing date, the starting level for such Index will be determined on the immediately following
trading day on which a closing level is available.&nbsp;&nbsp;&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.35pt; text-align: justify">&nbsp;</P></TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Ending Level:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">The &ldquo;<U>ending level</U>&rdquo; of an Index will be its closing level on the final calculation day.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; border-bottom: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Threshold Level:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.4pt; text-align: justify">With respect to the Dow Jones Industrial
    Average<SUP>&trade;</SUP>: , which is equal to 75% of its starting level.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.4pt; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.4pt; text-align: justify">
    With respect to the Russell 2000<SUP>&reg;</SUP> Index: , which is equal to 75% of its starting level.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.4pt; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.55pt; text-align: justify">
    With respect to the Nasdaq-100 Index<SUP>&reg;</SUP>: , which is equal to 75% of its starting level.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9.55pt; text-align: justify">&nbsp;</P></TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Market Disruption Events and Postponement Provisions:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">Each calculation day is subject to postponement due to non-trading days and the occurrence of a market disruption event. In addition, the stated maturity date will be postponed if the final calculation day is postponed and will be adjusted for non-business days. For more information regarding adjustments to the calculation days and the stated maturity date, see &ldquo;General Terms of the Securities&mdash;Consequences of a Market Disruption Event; Postponement of a Calculation Day&mdash;Securities Linked to Multiple Market Measures&rdquo; and &ldquo;&mdash;Payment Dates&rdquo; in the accompanying product supplement. For purposes of the accompanying product supplement, each </FONT></TD></TR>
  </TABLE>

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PRS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; width: 20%; border-top: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in">&nbsp;</TD>
    <TD STYLE="width: 80%; padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">call settlement date and the stated maturity date is a &ldquo;payment date.&rdquo; In addition, for information regarding the circumstances that may result in a market disruption event, see &ldquo;General Terms of the Securities&mdash;Certain Terms for Securities Linked to an Index&mdash;Market Disruption Events&rdquo; in the accompanying product supplement.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; border-top: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Calculation Agent:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">Credit Suisse International</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; border-top: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Material Tax Consequences:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">For a discussion of the material U.S. federal income and certain estate tax consequences of the ownership and disposition of the securities, see &ldquo;United States Federal Tax Considerations&rdquo; herein.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; border-top: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Supplemental Plan of Distribution:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify"><FONT STYLE="background-color: white">Under
    the terms of the distributor accession confirmation with WFS dated as of August 1, 2016, WFS will act as agent for the securities and
    will receive an agent discount of up to $17.50 per security. The agent may resell the securities to other securities dealers at the original
    offering price of the securities less a concession not in excess of $7.50 per security. Such securities dealers may include WFA. In addition
    to the concession allowed to WFA, WFS may pay $0.75 per security of the agent&rsquo;s discount to WFA as a distribution expense fee for
    each security sold by WFA.</FONT></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">In addition, Credit Suisse may pay a
    fee of up to $1.00 per security to selected securities dealers in consideration for marketing and other services in connection with the
    distribution of the securities to other securities dealers.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify">&nbsp;</P></TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; border-top: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>Denominations:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">$1,000 and any integral multiple of $1,000.</FONT></TD></TR>
  <TR>
    <TD STYLE="text-align: left; vertical-align: top; border-top: white 1pt solid; background-color: #E0E3E2; padding-left: 0.1in"><FONT STYLE="font-size: 10pt"><B>CUSIP:</B></FONT></TD>
    <TD STYLE="padding-left: 0.1in; text-align: justify"><FONT STYLE="font-size: 10pt">22553QJB4</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">____________________</P>

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

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

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12; color: white"><B><BR STYLE="clear: both">
    Additional Information about the Issuer and the Securities</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

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

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

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.25pt; text-align: left"><FONT STYLE="font-size: 10pt">&bull;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Product Supplement No. WF-I dated
July 27, 2022:</FONT></TD>
</TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; margin-left: 12.25pt; text-indent: 0in"><A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000095010322013067/dp177600_424b2-wfi.htm"><FONT STYLE="font-size: 10pt">https://www.sec.gov/Archives/edgar/data/1053092/000095010322013067/dp177600_424b2-wfi.htm</FONT></A></P>

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

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

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

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

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

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

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

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

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

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Investor
    Considerations</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings">&sect;</FONT></TD><TD STYLE="text-align: justify">seek an investment with contingent coupon payments at a rate of at least 11.25% per annum (to be determined
on the pricing date) until the earlier of the stated maturity date or automatic call, if, and only if, the closing level of the lowest
performing Index on the applicable calculation day is greater than or equal to 75% of its starting level;</TD></TR></TABLE>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B><BR STYLE="clear: both">
    Determining Payment on a Contingent Coupon Payment Date and at Maturity</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><IMG SRC="image_004.jpg" ALT=""></P>

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

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

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

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

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

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

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

<P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="image_005.jpg" ALT=""></P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B><BR STYLE="clear: both">
    Hypothetical Payout Profile</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following profile illustrates the potential
maturity payment amount on the securities (excluding the final contingent coupon payment, if any) for a range of hypothetical performances
of the lowest performing Index on the final calculation day from its starting level to its ending level, assuming the securities have
not been automatically called prior to maturity. As this profile illustrates, in no event will you have a positive rate of return based
solely on the maturity payment amount received at maturity; any positive return will be based solely on the contingent coupon payments,
if any, received during the term of the securities. This graph has been prepared for purposes of illustration only. Your actual return
will depend on the actual ending level of the lowest performing Index on the final calculation day and whether you hold your securities
to maturity. The performance of the better performing Indices is not relevant to your return on the securities.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_006.jpg" ALT=""></P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Selected
    Risk Considerations</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">generally be reflected in a higher contingent
coupon rate than the yield payable on our conventional debt securities with a similar maturity, or in more favorable terms (such as lower
threshold levels) than for similar securities linked to the performance of an index with a lower expected volatility as of the pricing
date. You should therefore understand that a relatively higher contingent coupon rate may indicate an increased risk of loss. Further,
relatively lower threshold levels may not necessarily indicate that you will receive a contingent coupon payment on any contingent coupon
payment date or that the securities have a greater likelihood of a return of principal at maturity. The volatility of any Index can change
significantly over the term of the securities. The levels of the Indices for your securities could fall sharply, which could result in
a significant loss of principal. You should be willing to accept the downside market risk of the Indices and the potential to lose a significant
portion, and possibly all, of the face amount per security at maturity.</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PRS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Hypothetical
    Returns</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

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

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

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 80%; border-collapse: collapse">
  <TR>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="border-bottom: #688FCF 1pt solid; padding-left: 0.05in; text-align: center"><FONT STYLE="font-size: 10pt"><B>Hypothetical performance factor of lowest performing Index on final calculation day</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: #688FCF 1pt solid; padding-left: 0.05in; text-align: center"><FONT STYLE="font-size: 10pt"><B>Hypothetical maturity payment amount per security</B></FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">200.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">175.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">160.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">150.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">140.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">130.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">120.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">110.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">90.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">80.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$1,000.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">74.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$740.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">70.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$700.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">60.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$600.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">50.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$500.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">40.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$400.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">30.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$300.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">25.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$250.00</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">0.00%</FONT></TD>
    <TD COLSPAN="2" STYLE="border-right: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">$0.00</FONT></TD></TR>
  <TR>
    <TD STYLE="width: 55%">&nbsp;</TD>
    <TD STYLE="width: 34%">&nbsp;</TD>
    <TD STYLE="width: 11%">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The above figures do not take into account contingent
coupon payments, if any, received during the term of the securities. As evidenced above, in no event will you have a positive rate of
return based solely on the maturity payment amount received at maturity; any positive return will be based solely on the contingent coupon
payments, if any, received during the term of the securities.</P>

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

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

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


<!-- Field: Page; Sequence: 15; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PRS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Hypothetical
    Contingent Coupon Payments</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Set forth below are examples that illustrate how
to determine whether a contingent coupon payment will be paid and whether the securities will be automatically called, if applicable,
on a contingent coupon payment date prior to maturity. The examples do not reflect any specific contingent coupon payment date. The following
examples assume that the securities are subject to automatic call on the applicable calculation day. The securities will not be subject
to automatic call until the sixth calculation day, which is approximately six months after the issue date. The following examples reflect
a hypothetical contingent coupon rate of 11.25% per annum (the minimum contingent coupon rate that may be determined on the pricing date)
and assume the hypothetical starting level, threshold level and closing level for each Index indicated in the examples. The terms used
for purposes of these hypothetical examples do not represent any actual starting level or threshold level. The hypothetical starting level
of 100 for each Index has been chosen for illustrative purposes only and does not represent the actual starting level for any Index. The
actual starting level and threshold level for each Index and the actual contingent coupon rate will be determined on the pricing date
and will be set forth under &ldquo;Terms of the Securities&rdquo; above. For historical data regarding the actual closing levels of the
Indices, see the historical information set forth herein. These examples are for purposes of illustration only and the values used in
the examples may have been rounded for ease of analysis.</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify"><U>Step 1</U>: Determine which Index
is the lowest performing Index on the relevant calculation day.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">Since the hypothetical closing level
of the lowest performing Index on the relevant calculation day is greater than or equal to its threshold level, but less than its starting
level, you would receive a contingent coupon payment on the applicable contingent coupon payment date and the securities would not be
automatically called. The contingent coupon payment would be equal to $9.375 per security, determined as follows: (i) $1,000 <I>multiplied
by</I> 11.25% per annum <I>divided by</I> (ii) 12, rounded to the nearest cent.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify"><U>Step 1</U>: Determine which Index
is the lowest performing Index on the relevant calculation day.</P>

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

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

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

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

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


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PRS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify"><U>Step 1</U>: Determine which Index
is the lowest performing Index on the relevant calculation day.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-align: justify">Since the hypothetical closing level
of the lowest performing Index on the relevant calculation day is greater than or equal to its starting level, the securities would be
automatically called and you would receive the face amount plus a final contingent coupon payment on the applicable contingent coupon
payment date, which is also referred to as the call settlement date. On the call settlement date, you would receive $1,009.375 per security.</P>

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

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

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Hypothetical
    Payment at Maturity</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 59%; font-size: 10pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Dow Jones Industrial Average</B><SUP>&trade;</SUP></FONT></TD>
    <TD STYLE="width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Russell 2000<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Nasdaq-100 Index<SUP>&reg;</SUP></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical starting level:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical ending level:</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">145</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">135</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">125</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical threshold level: </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Performance factor (ending level <I>divided by</I> starting level): </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">145%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">135%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">125%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify"><U>Step 1</U>: Determine which Index
is the lowest performing Index on the final calculation day.</P>

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

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

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

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

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

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 59%; font-size: 10pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Dow Jones Industrial Average</B><SUP>&trade;</SUP></FONT></TD>
    <TD STYLE="width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Russell 2000<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Nasdaq-100 Index<SUP>&reg;</SUP></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical starting level:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical ending level:</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">85</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">115</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">110</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical threshold level: </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Performance factor (ending level <I>divided by</I> starting level):</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">85%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">115%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">110%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify"><U>Step 1</U>: Determine which Index
is the lowest performing Index on the final calculation day.</P>

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

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

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify"><U>Step 2</U>: Determine the maturity
payment amount based on the ending level of the lowest performing Index on the final calculation day.</P>

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

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

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: bottom; width: 59%; font-size: 10pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 15%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Dow Jones Industrial Average</B><SUP>&trade;</SUP></FONT></TD>
    <TD STYLE="width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Russell 2000<SUP>&reg;</SUP> Index</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 13%; border-bottom: #688FCF 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Nasdaq-100 Index<SUP>&reg;</SUP></B></FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical starting level:</B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">100</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical ending level:</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">120</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">45</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">90</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: #E0E3E2">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Hypothetical threshold level: </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">75</FONT></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><B>Performance factor (ending level <I>divided by</I> starting level): </B></FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">120%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">45%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">90%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.2pt; text-align: justify"><U>Step 1</U>: Determine which Index
is the lowest performing Index on the final calculation day.</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>The Dow
    Jones Industrial Average&trade;</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Dow Jones Industrial Average<SUP>&trade;</SUP> is an equity index
intended to track the performance of 30 common stocks of corporations representing U.S. industry. See &ldquo;The Reference Indices&mdash;The
S&amp;P Dow Jones Indices&mdash;The Dow Jones Industrial Average<SUP>&trade;</SUP>&rdquo; in the accompanying underlying supplement for
additional information about the Dow Jones Industrial Average<SUP>&trade;</SUP>.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following graph sets forth daily closing levels
of the Dow Jones Industrial Average<SUP>&trade;</SUP> for the period from January 3, 2017 to August 25, 2022. The closing level on August
25, 2022 was 33291.78. The historical performance of the Dow Jones Industrial Average<SUP>&trade;</SUP> should not be taken as an indication
of the future performance of the Dow Jones Industrial Average<SUP>&trade;</SUP> during the term of the securities.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_005.gif" ALT="" STYLE="height: 355px; width: 540px"></P>


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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>The Russell
    2000<SUP>&reg; </SUP>Index</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following graph sets forth daily closing levels
of the Russell 2000<SUP>&reg;</SUP> Index for the period from January 3, 2017 to August 25, 2022. The closing level on August 25, 2022
was 1964.636. The historical performance of the Russell 2000<SUP>&reg;</SUP> Index should not be taken as an indication of the future
performance of the Russell 2000<SUP>&reg;</SUP> Index during the term of the securities.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_006.gif" ALT="" STYLE="height: 334px; width: 557px"></P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>The Nasdaq-100
    Index<SUP>&reg;</SUP></B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following graph sets forth daily closing levels
of the Nasdaq-100 Index<SUP>&reg;</SUP> for the period from January 3, 2017 to August 25, 2022. The closing level on August 25, 2022 was
13143.58. The historical performance of the Nasdaq-100 Index<SUP>&reg;</SUP> should not be taken as an indication of the future performance
of the Nasdaq-100 Index<SUP>&reg;</SUP> during the term of the securities.</P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_007.gif" ALT="" STYLE="height: 321px; width: 544px"></P>

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


<!-- Field: Page; Sequence: 22; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PRS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->22<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>United States
    Federal Tax Considerations</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


<!-- Field: Page; Sequence: 23; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">PRS-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->23<!-- Field: /Sequence -->&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market-Linked Securities&mdash;Auto-Callable with Contingent Coupon and Contingent Downside </B></P><P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"></P><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; color: #BB0826; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in"><B>Principal at Risk Securities Linked to the Lowest Performing of the Dow Jones Industrial Average<SUP>TM</SUP>, the Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> due September 28, 2023</B></P><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

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

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

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


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