<SEC-DOCUMENT>0000950103-22-014963.txt : 20220831
<SEC-HEADER>0000950103-22-014963.hdr.sgml : 20220831
<ACCEPTANCE-DATETIME>20220831170205
ACCESSION NUMBER:		0000950103-22-014963
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:		221218595

	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>dp179635_424b2-k2172.htm
<DESCRIPTION>FORM 424B2
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<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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    <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. K2172</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; color: #BB0826"><B>Equity Index Linked Securities</B></P></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; white-space: nowrap; width: 56%">
    <IMG SRC="image_003.jpg" ALT=""><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Filed Pursuant to Rule 424(b)(2)<BR>
Registration Statement No. 333-238458-02</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">August 31, 2022</P></TD></TR>
  </TABLE>
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    <TD STYLE="width: 1%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 99%">
    <P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #BB0826"><B>Market Linked Securities&mdash;Leveraged Upside
Participation and Fixed Percentage Buffered Downside</B></P>
    <P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="color: #BB0826"><B>Principal at Risk Securities Linked
to the </B></FONT><B><FONT STYLE="color: #C00000">S&amp;P 500</FONT><FONT STYLE="color: #BB0826"><SUP>&reg;</SUP> Index due October 4,
2028</FONT></B></P></TD></TR>
  </TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="background-color: rgb(104,143,207); width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Wingdings; color: white">n</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-left: 6pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white">Linked to the S&amp;P 500<SUP>&reg;</SUP> Index (the &ldquo;<U>Index</U>&rdquo;)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Wingdings; color: white">n</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-left: 6pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white">Unlike ordinary debt securities, the securities do not pay interest or repay a fixed amount of principal at maturity.&nbsp;Instead, the securities provide for a maturity payment amount that may be greater than, equal to or less than the face amount of the securities, depending on the performance of the Index from the starting level to the ending level.&nbsp;The maturity payment amount will reflect the following terms:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right; width: 6%">&nbsp;</TD>
    <TD STYLE="padding-left: 6pt; text-align: left; width: 3%"><FONT STYLE="font-family: Wingdings; color: white">n</FONT></TD>
    <TD STYLE="padding-left: 6pt; text-align: justify; width: 91%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white">If the level of the Index increases, you will receive the face amount plus a positive return equal to at least 120% of the percentage increase in the level of the Index from the starting level (to be determined on the pricing date)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-left: 6pt; text-align: left"><FONT STYLE="font-family: Wingdings; color: white">n</FONT></TD>
    <TD STYLE="padding-left: 6pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white">If the level of the Index decreases but the decrease is not more than the buffer amount of 20%, you will receive the face amount</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-left: 6pt; text-align: left"><FONT STYLE="font-family: Wingdings; color: white">n</FONT></TD>
    <TD STYLE="padding-left: 6pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white">If the level of the Index decreases by more than the buffer amount, you will receive less than the face amount and have 1-to-1 downside exposure to the decrease in the level of the Index in excess of the buffer amount</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Wingdings; color: white">n</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-left: 6pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white">Investors may lose up to 80% of the face amount</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Wingdings; color: white">n</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-left: 6pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white">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></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Wingdings; color: white">n</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-left: 6pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white">No periodic interest payments or dividends</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Wingdings; color: white">n</FONT></TD>
    <TD COLSPAN="2" STYLE="padding-left: 6pt; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white">No exchange listing; you should be willing and able to hold your securities to maturity</FONT></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-7 in 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"><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>

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    <TD STYLE="font-family: Times New Roman, Times, Serif; width: 21%">&nbsp;</TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; 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="font-family: Times New Roman, Times, Serif; 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="font-family: Times New Roman, Times, Serif; 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="font-family: Times New Roman, Times, Serif; background-color: #E0E3E2">
    <TD STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: right"><B>&#9;Per Security&#9;</B></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$1,000.00</TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$45.20</TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$954.80</TD></TR>
  <TR STYLE="font-family: Times New Roman, Times, Serif; background-color: #E0E3E2">
    <TD STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt"><B>&#9;Total&#9;</B></FONT></TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">&nbsp;</TD>
    <TD STYLE="font-family: Times New Roman, Times, Serif; white-space: nowrap; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">&nbsp;</TD></TR>
  </TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font-family: Times New Roman, Times, Serif; width: 0"></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 12.25pt"><FONT STYLE="font-size: 10pt"><SUP>(</SUP></FONT><SUP>1)</SUP></TD><TD STYLE="font-family: Times New Roman, Times, Serif; 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 $45.20 per security. The agent may resell the securities to other securities dealers at the
original offering price less a concession not in excess of $25 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
$1.20 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="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="font-family: Times New Roman, Times, Serif; vertical-align: top">
<TD STYLE="font-family: Times New Roman, Times, Serif; width: 0"></TD><TD STYLE="font-family: Times New Roman, Times, Serif; width: 12.25pt"><SUP>(2)</SUP></TD><TD STYLE="font-family: Times New Roman, Times, Serif; 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="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></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 $930 and $970 (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"><I>The securities are unsecured obligations of
Credit Suisse, and all payments on the securities are subject to the credit risk of Credit Suisse.</I></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: 18pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center"><B>Wells Fargo Securities</B></P>


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<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Terms of the Securities</B></FONT></TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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    <TD STYLE="padding: 4pt; width: 17%; border-top: white 2.25pt solid; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Market Measure:</B></TD>
    <TD STYLE="padding: 4pt; width: 83%; text-align: justify">S&amp;P 500<SUP>&reg;</SUP> Index (the &ldquo;<U>Index</U>&rdquo;)</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Pricing Date*:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify">September 29, 2022</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Issue Date*:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify">October 4, 2022</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Original Offering Price:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify">$1,000 per security</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Face Amount:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify">$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.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Maturity Payment Amount:</B></TD>
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On the stated maturity date, you will be entitled
    to receive a cash payment per security in U.S. dollars equal to the maturity payment amount. 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; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT>if
    the ending level is greater than the starting level: $1,000 <I>plus</I>:</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify; text-indent: -0.25in">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.15in; text-align: justify; text-indent: 0.5in"><IMG SRC="image_006.gif" ALT="" STYLE="width: 299px; height: 16px"></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.15in; text-align: justify; text-indent: 0.5in">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.15in; text-align: justify; text-indent: -0.15in"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT>if
    the ending level is less than or equal to the starting level, but greater than or equal to the threshold level: $1,000; or</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.15in; text-align: justify; text-indent: -0.15in">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.15in; text-align: justify; text-indent: -0.15in"><FONT STYLE="font-family: Symbol">&#183;&#9;</FONT>if
    the ending level is less than the threshold level:</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.15in; text-align: justify; text-indent: -0.15in">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify"><IMG SRC="image_007.gif" ALT="" STYLE="height: 16px; width: 315px"></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>If the ending level is less than the threshold
    level, you will have 1-to-1 downside exposure to the decrease in the level of the Index in excess of the buffer amount and will lose some,
    and possibly up to 80%, 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">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="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Stated Maturity Date*:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify">October 4, 2028, subject to postponement. The securities are not subject to redemption by Credit Suisse or repayment at the option of any holder of the securities prior to the stated maturity date.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Calculation Day*:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify">September 27, 2028, subject to postponement.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Starting Level:</B></TD>
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">, which is the closing level
    of the Index on the pricing date.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In the event that the closing level is not
available on the pricing date, the starting level will be determined on the immediately following trading day on which a closing level
is available.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Closing Level:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify">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.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Ending Level:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify">The &ldquo;<U>ending level</U>&rdquo; will be the closing level of the Index on the calculation day.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Threshold Level:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, which is equal to 80% of the starting level.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Buffer Amount:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify">20%</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Upside Participation Rate:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify">At least 120% (to be determined on the pricing date).</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Index Return:</B></TD>
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The &quot;<U>index return</U>&quot; is the percentage
    change from the starting level to the ending level, measured 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"><FONT STYLE="font-family: Cambria Math,serif"><BR>
</FONT><IMG SRC="image_008.gif" ALT="" STYLE="height: 33px; width: 179px"></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Market Disruption Events and </B></TD>
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">The
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 calculation day is postponed and will be </FONT></P></TD></TR>
  </TABLE>

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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 STYLE="padding: 4pt; width: 17%; border-top: white 2.25pt solid; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Postponement Provisions:</B></TD>
    <TD STYLE="padding: 4pt; width: 83%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="background-color: white">adjusted
    for non-business days. </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">For
more information regarding adjustments to the calculation day 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 a Single Market Measure&rdquo; and &ldquo;&mdash;Payment
Dates&rdquo; in the accompanying product supplement. 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></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Calculation Agent:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify"><FONT STYLE="background-color: white">Credit Suisse International</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>No Listing:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify"><FONT STYLE="background-color: white">The securities will not be listed on any securities exchange or automated quotation system</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Material Tax Consequences:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify"><FONT STYLE="background-color: white">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 STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Supplemental Plan of Distribution:</B></TD>
    <TD STYLE="padding: 4pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; 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 $45.20 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 $25 per security. Such securities dealers may include WFA. In addition
    to the concession allowed to WFA, WFS may pay $1.20 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; 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">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.</FONT></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>Denominations:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify">$1,000 and any integral multiple of $1,000</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding: 4pt; border-bottom: white 2.25pt solid; background-color: #E0E3E2"><B>CUSIP:</B></TD>
    <TD STYLE="padding: 4pt; text-align: justify">22553QJN8</TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>


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

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

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<TD STYLE="width: 0"></TD><TD STYLE="width: 6.1pt"><FONT STYLE="font-size: 10pt">*</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">To the extent
                                            that we make any change to the expected pricing date or expected issue date, the calculation
                                            day and stated maturity date may also be changed in our discretion to ensure that the term
                                            of the securities remains the same.</FONT></TD></TR></TABLE>

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


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  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">
</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Additional Information about the Issuer and the Securities</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>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: 12.2pt">&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" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/Archives/edgar/data/1053092/000095010320011950/dp130454_424b2-eus.htm</A></P>

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

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

<P STYLE="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/1053092/000095010322013067/dp177600_424b2-wfi.htm" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/Archives/edgar/data/1053092/000095010322013067/dp177600_424b2-wfi.htm</A></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt">&bull;</TD><TD STYLE="text-align: justify">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" STYLE="color: Blue; text-decoration: underline">https://www.sec.gov/Archives/edgar/data/1053092/000110465920074474/tm2019510-8_424b2.htm</A></P>

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

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

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

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

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

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

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


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    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">

</FONT><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 Georgia, Times, Serif; margin: 0pt 0; text-align: justify"><B>The securities are not appropriate for all investors.
The securities&nbsp;may&nbsp;be an appropriate investment for investors who: </B></P>

<P STYLE="font: 10pt Georgia, 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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">seek at least 120% leveraged exposure to the upside performance
of the Index if the ending level is greater than the starting level </FONT></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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">desire to limit downside exposure to the Index through
the buffer amount;</FONT></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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">are willing to accept the risk that, if the ending level
is less than the starting level by more than the buffer amount, they will lose some, and possibly up to 80%, of the face amount per security
at maturity; </FONT></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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">are willing to forgo interest payments on the securities
and dividends on the securities included in the Index; </FONT></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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">are willing to hold the securities until maturity; and</FONT></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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">seek uncapped exposure to the upside performance of the
Index.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Georgia, 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 Georgia, 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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">seek a liquid investment or are unable or unwilling to
hold the securities to maturity; </FONT></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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">are unwilling to accept the risk that the ending level
of the Index may decrease from the starting level by more than the buffer amount; </FONT></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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">seek full return of the face amount of the securities
at stated maturity;</FONT></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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">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;</FONT></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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">seek current income; </FONT></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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">are unwilling to accept the risk of exposure to the Index;
</FONT></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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">seek exposure to the Index but are unwilling to accept
the risk/return trade-offs inherent in the maturity payment amount for the securities; </FONT></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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">are unwilling to accept the credit risk of Credit Suisse
to obtain exposure to the Index generally, or to the exposure to the Index that the securities provide specifically; or </FONT></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: 12.2pt">&#9632;</TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Georgia, Times, Serif">prefer the lower risk of fixed income investments with
comparable maturities issued by companies with comparable credit ratings. </FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Georgia, 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 Index, please see the section titled &ldquo;The S&amp;P 500<SUP>&reg;</SUP> Index&rdquo;
below.</B></P>

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


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    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Determining Maturity Payment Amount</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On the stated maturity date, you will receive
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-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;<IMG SRC="image_004.jpg" ALT=""></P>

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


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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">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 Georgia, Times, Serif; margin: 0pt 0; text-align: justify"><B>If The Ending Level Is Less Than The Threshold Level,
You Will Lose Some, And Possibly Up To 80%, Of The Face Amount Of Your Securities At Maturity. </B></P>

<P STYLE="font: 10pt Georgia, 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
on the stated maturity date. The maturity payment amount will depend on the direction of and percentage change in the ending level of
the Index relative to the starting level and the other terms of the securities. Because the level of the Index will be subject to market
fluctuations, the maturity payment amount may be more or less, and possibly significantly less, than the face amount of your 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">If the ending level is less than the threshold
level, the maturity payment amount will be less than the face amount and you will have 1-to-1 downside exposure to the decrease in the
level of the Index in excess of the buffer amount, resulting in a loss of 1% of the face amount for every 1% decline in the Index in excess
of the buffer amount. The threshold level is 80% of the starting level. As a result, if the ending level is less than the threshold level,
you will lose some, and possibly up to 80%, of the face amount per security at maturity. This is the case even if the level of the Index
is greater than or equal to the starting level or the 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 is greater than the starting
level, the maturity payment amount may only be slightly greater than the face amount, and your yield on the securities may be less than
the yield you would earn if you bought a traditional interest-bearing debt security of ours or another issuer with a similar credit rating
with the same 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 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>No Periodic Interest Will Be Paid On 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">We will not pay interest on the securities. You
may receive less at maturity than you could have earned on ordinary interest bearing debt securities with similar maturities, including
other of our debt securities, since the maturity payment amount is based on the appreciation or depreciation of the 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>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 Starting Level 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 may be determined after the
pricing date. In the event that the closing level of the Index is not available on the pricing date, the starting level will be determined
on the immediately following trading day on which a closing level of the Index is available. Under these circumstances, you will not know
the starting level 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>The Stated Maturity Date May Be Postponed If
The 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">The calculation day will be postponed if the originally
scheduled calculation day is not a trading day or if the calculation agent determines that a market disruption event has occurred or is
continuing on the calculation day. If such a postponement occurs, the stated maturity date will be the later of (i) the initial stated
maturity date and (ii) three business days after the calculation day as postponed.</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 Probability That The Ending Level Will
Be Less Than The Threshold Level Will Depend On The Volatility Of The Index. </B></P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&ldquo;Volatility&rdquo; refers to the frequency
and magnitude of changes in the level of the Index. The greater the expected volatility with respect to the Index on the pricing date,
the higher the expectation as of the pricing date that the ending level could be less than the threshold level, indicating a higher expected
risk of loss on the securities. The terms of the securities are set, in part, based on expectations about the volatility of the Index
as of the pricing date. The volatility of the Index can change significantly over the term of the securities. The level of the Index could
fall sharply, which could result in a loss of a significant portion of the face amount of the securities. You should be willing to accept
the downside market risk of the Index and the potential to lose a significant portion 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 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 prepaid financial contracts that are treated as &ldquo;open transactions.&rdquo; If the IRS were successful
in asserting an alternative treatment of the securities, the tax consequences of the ownership and disposition of the securities, including
the timing and character of income recognized by U.S. investors and the withholding tax consequences to non-U.S. investors, might be materially
and adversely affected. Moreover, future legislation, Treasury regulations or IRS guidance could adversely affect the U.S. federal tax
treatment of the securities, possibly retroactively.</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 Index</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>The Maturity Payment Amount Will Depend Upon
The Performance Of The Index 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">&#183;</FONT></TD><TD STYLE="text-align: justify"><B>Investing In The Securities Is Not The Same As Investing In The Index. </B>Investing in the securities
is not equivalent to investing in the Index. 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 Index 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 Index 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">&#183;</FONT></TD><TD STYLE="text-align: justify"><B>Historical Levels Of The Index Should Not Be Taken As An Indication Of The Future Performance Of The
Index 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">&#183;</FONT></TD><TD STYLE="text-align: justify"><B>Changes That Affect The Index May Adversely Affect The Value Of The Securities And The Maturity Payment
Amount. </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">&#183;</FONT></TD><TD STYLE="text-align: justify"><B>We Cannot Control Actions By Any Of The Unaffiliated Companies Whose Securities Are Included In The
Index.</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">&#183;</FONT></TD><TD STYLE="text-align: justify"><B>We And Our Affiliates Have No Affiliation With The Index Sponsor And Have Not Independently Verified
Its 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>Government Regulatory Action, Including Legislative
Acts And Executive Orders, Could Result In Material Changes To The Index And Could Negatively Affect Your Return On 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">Government regulatory action, including legislative
acts and executive orders, could materially affect the Index. 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.</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 (&ldquo;<U>FINMA</U>&rdquo;) 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="color: #4F81BD; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Risks Relating to Conflicts
of Interest</I></B></P>

<P STYLE="color: #4F81BD; 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>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>


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<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 Index.
Credit Suisse (or any of its affiliates) or WFS (or any of its affiliates) may also trade instruments related to the Index 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, 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 closing level of the 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: 0.5in"></TD><TD STYLE="width: 0.35in">o</TD><TD STYLE="text-align: justify">the expected and actual volatility of the 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: 0.5in"></TD><TD STYLE="width: 0.35in">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: 0.5in"></TD><TD STYLE="width: 0.35in">o</TD><TD STYLE="text-align: justify">the dividend rate on the equity securities included in the 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: 0.5in"></TD><TD STYLE="width: 0.35in">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: 0.5in"></TD><TD STYLE="width: 0.35in">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: 0.5in"></TD><TD STYLE="width: 0.35in">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 Index or markets generally and which may affect the level of the Index; 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: 0.5in"></TD><TD STYLE="width: 0.35in">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>


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<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 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
five 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 stated maturity.</P>

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


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>Hypothetical Examples and Returns</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The payout profile, return table and examples
below illustrate the maturity payment amount for a $1,000 face amount security on a hypothetical offering of securities under various
scenarios, with the assumptions set forth in the table below. The terms used for purposes of these hypothetical examples do not represent
the actual starting level or threshold level. The hypothetical starting level of 100.00 has been chosen for illustrative purposes only
and does not represent the actual starting level. The actual starting level and threshold level 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
Index, see the historical information set forth herein. The payout profile, return table and examples below assume that an investor purchases
the securities for $1,000 per security. These examples are for purposes of illustration only and the values used in the examples may have
been rounded for ease of analysis. The actual maturity payment amount and resulting pre-tax total rate of return will depend on the actual
terms of the securities, the actual ending level and whether you hold your securities to maturity.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4pt; width: 32%; border: Black 1pt solid; text-align: justify"><B>Upside Participation Rate:</B></TD>
    <TD STYLE="padding-left: 4pt; width: 68%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">120.00%</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><B>Hypothetical Starting Level: </B></TD>
    <TD STYLE="padding-left: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">100.00</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><B>Hypothetical Threshold Level:</B></TD>
    <TD STYLE="padding-left: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">80.00 (80% of the hypothetical starting level)</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: justify"><B>Buffer Amount:</B></TD>
    <TD STYLE="padding-left: 4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; text-align: justify">20%</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"><B>Hypothetical Payout Profile</B></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: center"><IMG SRC="image_009.gif" ALT="" STYLE="height: 497px; width: 760px"></P>

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


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

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 65%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 25%; border-bottom: #688FCF 1pt solid; text-align: center"><B>Hypothetical ending level</B></TD>
    <TD STYLE="white-space: nowrap; width: 24%; border-bottom: #688FCF 1pt solid; text-align: center"><B>Hypothetical index return<SUP>(1)</SUP></B></TD>
    <TD STYLE="width: 27%; border-bottom: #688FCF 1pt solid; text-align: center"><B>Hypothetical maturity payment amount per security</B></TD>
    <TD STYLE="width: 24%; border-bottom: #688FCF 1pt solid; text-align: center"><B>Hypothetical pre-tax total rate of return<SUP>(2)</SUP></B></TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">200.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">100.00%</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$2,200.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">120.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">175.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">75.00%</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$1,900.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">90.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">150.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">50.00%</TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$1,600.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">60.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">140.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">40.00%</TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$1,480.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">48.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">130.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">30.00%</TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$1,360.00</TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">36.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">120.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">20.00%</TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$1,240.00</TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">24.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">110.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">10.00%</TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$1,120.00</TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">12.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">105.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">5.00%</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$1,060.00</TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">6.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">100.00</TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">0.00%</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$1,000.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">0.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">95.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">-5.00%</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$1,000.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">0.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">90.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">-10.00%</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$1,000.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">0.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">80.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">-20.00%</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$1,000.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">0.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">79.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">-21.00%</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$990.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">-1.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">70.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">-30.00%</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$900.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">-10.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">60.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">-40.00%</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$800.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">-20.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">50.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">-50.00%</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$700.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">-30.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">25.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">-75.00%</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$450.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">-55.00%</TD></TR>
  <TR STYLE="background-color: #E0E3E2">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">0.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; padding-left: 12pt; text-align: center; text-indent: -12pt">-100.00%</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">$200.00</TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">-80.00%</TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 65%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left">(1)</TD><TD>The index return is equal to the percentage change from the
starting level to the ending level (i.e., the ending level minus starting level, divided by 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" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 65%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left">(2)</TD><TD>The hypothetical pre-tax total rate of return is the number,
expressed as a percentage, that results from comparing the maturity payment amount per security to the face amount of $1,000.</TD>
</TR></TABLE>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Hypothetical Examples</B></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>Example 1. The level of the Index increases
by 5% from the starting level to the ending level. The maturity payment amount is greater than the face amount: </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="width: 65%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 65%; border: white 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 35%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><B>S&amp;P 500<SUP>&reg;</SUP> Index</B></TD></TR>
  <TR STYLE="background-color: #D9D9D9">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; text-align: justify"><B>Hypothetical starting level:</B></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">100.00</TD></TR>
  <TR STYLE="background-color: #D9D9D9">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; text-align: justify"><B>Hypothetical ending level:</B></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">105.00</TD></TR>
  <TR STYLE="background-color: #D9D9D9">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; text-align: justify"><B>Hypothetical threshold level: </B></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">80.00</TD></TR>
  <TR STYLE="background-color: #D9D9D9">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Hypothetical index return </B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(ending level &ndash; starting level)/starting
level: </B></P></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">5.00%</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">Because the hypothetical ending level is greater
than the hypothetical starting level, the maturity payment amount per security would be equal to the face amount of $1,000 plus:</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; text-indent: 0.5in">$1,000 &times; index return
&times; upside participation rate</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">$1,000 &times; 5.00% &times;
120.00%</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">= $60.00</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On the stated maturity date you would receive
$1,060.00 per security.</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 2. The level of the Index decreases
by 5% from the starting level to the ending level. The maturity payment amount is equal to the face amount: </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="width: 50%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 63%; border: white 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 37%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><B>S&amp;P 500<SUP>&reg;</SUP> Index</B></TD></TR>
  <TR STYLE="background-color: #D9D9D9">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; text-align: justify"><B>Hypothetical starting level:</B></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">100.00</TD></TR>
  <TR STYLE="background-color: #D9D9D9">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; text-align: justify"><B>Hypothetical ending level:</B></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">95.00</TD></TR>
  <TR STYLE="background-color: #D9D9D9">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; text-align: justify"><B>Hypothetical threshold level: </B></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">80.00</TD></TR>
  <TR STYLE="background-color: #D9D9D9">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Hypothetical index return </B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(ending level &ndash; starting level)/starting
level: </B></P></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">-5.00%</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">Because the hypothetical ending level is less
than the hypothetical starting level, but not by more than the buffer amount, you would not lose any of the face amount of your 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">On the stated maturity date you would receive
$1,000.00 per security.</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 3. The level of the Index decreases
by 50% from the starting level to the ending level. The maturity payment amount is less than the face amount: </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="width: 50%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 63%; border: white 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 37%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center"><B>S&amp;P 500<SUP>&reg;</SUP> Index</B></TD></TR>
  <TR STYLE="background-color: #D9D9D9">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; text-align: justify"><B>Hypothetical starting level:</B></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">100.00</TD></TR>
  <TR STYLE="background-color: #D9D9D9">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; text-align: justify"><B>Hypothetical ending level:</B></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">50.00</TD></TR>
  <TR STYLE="background-color: #D9D9D9">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; text-align: justify"><B>Hypothetical threshold level: </B></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">80.00</TD></TR>
  <TR STYLE="background-color: #D9D9D9">
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Hypothetical index return </B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>(ending level &ndash; starting level)/starting
level: </B></P></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center">-50.00%</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">Because the hypothetical ending level is less
than the hypothetical starting level by more than the buffer amount, you would lose a portion of the face amount of your securities and
receive a maturity payment amount equal to:</P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18.75pt; text-align: center; text-indent: -10.35pt">$1,000 + [$1,000
&times; (index return + buffer amount)]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18.75pt; text-align: center; text-indent: -10.35pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18.75pt; text-align: center; text-indent: -10.35pt">$1,000 + [ $1,000
&times; (-50.00% + 20%)]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 18.75pt; text-align: center; text-indent: -10.35pt">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">= $700.00</P>

<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">On the stated maturity date you would receive
$700.00 per security.</P>

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


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 12pt; color: white"><B>The S&amp;P 500<SUP>&reg;</SUP> Index</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The S&amp;P 500<SUP>&reg;</SUP> Index is an equity
index that is intended to provide an indication of the pattern of common stock price movement in the large capitalization segment of the
United States equity market. See &ldquo;The Reference Indices&mdash;The S&amp;P Dow Jones Indices&mdash;The S&amp;P U.S. Indices&mdash;The
S&amp;P 500<SUP>&reg;</SUP> Index&rdquo; in the accompanying underlying supplement for additional information about the S&amp;P 500<SUP>&reg;</SUP>
Index.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We obtained the closing levels of the Index in the graph below from
Bloomberg, without independent verification. The closing levels reported by Bloomberg may not be the same as the closing levels derived
from the applicable Reuters page.</P>

<P STYLE="font: 10pt 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">The following graph sets forth daily closing levels
of the Index for the period from January 3, 2017 to August 30, 2022. The closing level on August 30, 2022 was 3986.16. The historical
performance of the Index should not be taken as an indication of the future performance of the Index during the term of the securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="image_010.gif" ALT="" STYLE="height: 316px; width: 550px"></P>

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


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #688FCF">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; 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">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">There are no statutory, judicial or administrative
authorities that address the U.S. federal income tax treatment of the securities or instruments that are similar to the securities. In
the opinion of our counsel, Davis Polk &amp; Wardwell LLP, a security should be treated as a prepaid financial contract that is an &ldquo;open
transaction&rdquo; for U.S. federal income tax purposes. However, there is uncertainty regarding this treatment. 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 Trade
Date.</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">You should not recognize taxable income over the term of the securities prior to maturity, other than
pursuant to a sale or other disposition.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">Upon a sale or other disposition (including retirement) of a security, you should recognize capital gain
or loss equal to the difference between the amount realized and your tax basis in the security. Such gain or loss should be long-term
capital gain or loss if you held the security for more than one year.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt 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 IRS could treat the securities as contingent payment debt instruments, in which case the tax consequences of ownership and disposition
of the securities, including the timing and character of income recognized, could be materially and adversely affected. Moreover, the
U.S. Treasury Department and the IRS have requested comments on various issues regarding the U.S. federal income tax treatment of &ldquo;prepaid
forward contracts&rdquo; and similar financial instruments and have indicated that such transactions may be the subject of future regulations
or other guidance. In addition, members of Congress have proposed legislative changes to the tax treatment of derivative contracts. Any
legislation, Treasury regulations or other guidance promulgated after consideration of these issues could materially and adversely affect
the tax consequences of an investment in the securities, possibly with retroactive effect. You should consult your tax advisor regarding
possible alternative tax treatments of the securities and potential changes in applicable law.</P>

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

<P STYLE="font: 10pt 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 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 Trade 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">If withholding tax applies to the securities,
we will not be required to pay any additional amounts with respect to amounts withheld.</P>

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


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