<SEC-DOCUMENT>0000950103-22-015971.txt : 20220919
<SEC-HEADER>0000950103-22-015971.hdr.sgml : 20220919
<ACCEPTANCE-DATETIME>20220919164756
ACCESSION NUMBER:		0000950103-22-015971
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		5
FILED AS OF DATE:		20220919
DATE AS OF CHANGE:		20220919

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:		221251079

	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>dp180638_424b2-u6929.htm
<DESCRIPTION>FORM 424B2
<TEXT>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red">The information in this preliminary
pricing supplement is not complete and may be changed. This preliminary pricing supplement is not an offer to sell these securities and
it is not soliciting an offer to buy these securities in any jurisdiction where the offer or sale is not permitted.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: red"><B>Subject to completion dated September
19, 2022</B></P>

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  <TD STYLE="width: 50%"><P STYLE="margin: 0pt 0"><IMG SRC="image_001.jpg" ALT="" STYLE="width: 214px; height: 52px"></P>

<P STYLE="margin: 0pt 0">&nbsp;</P></TD>
  <TD STYLE="width: 50%"><P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: gray"><B>September 2022</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: gray">Preliminary Pricing Supplement No. U6929</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: gray">Registration Statement No. 333-238458-02</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: gray">Dated September 19, 2022</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right; color: gray">Filed pursuant to Rule 424(b)(2)</P></TD></TR>
</TABLE>

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

<P STYLE="color: #296DC1; font: 20pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-size: 12pt">Auto-Callable Contingent
Income Securities due September 25, 2024</FONT><FONT STYLE="font-size: 13pt"><BR>
</FONT><FONT STYLE="font-size: 10pt; color: gray">All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold
Features </FONT></P>

<P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Based on the Performance of the Worst Performing of Three
Underlyings</P>

<P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Principal at Risk Securities</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Unlike ordinary debt securities, the Auto-Callable Contingent Income
Securities due September 25, 2024 Based on the Performance of the Worst Performing of the S&amp;P 500<SUP>&reg;</SUP> Index, the Russell
2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP> (each, an &ldquo;Underlying&rdquo;), which we refer to as the securities,
do not provide for the regular payment of interest or guarantee the return of any principal at maturity. Instead, the securities offer
the opportunity for investors to earn a Contingent Coupon <B>but only if</B> the closing level of <B>each</B> Underlying on the applicable
Observation Date is <B>greater than or equal to</B> 75% of its respective Initial Level, which we refer to as its Coupon Barrier Level.
If the closing level of <B>any</B> Underlying is <B>less than</B> its respective Coupon Barrier Level <B>on </B>any Observation Date,
you will not receive any Contingent Coupon for that period. As a result, investors must be willing to accept the risk of not receiving
any Contingent Coupons during the entire term of the securities. In addition, if the closing level of <B>each</B> Underlying is <B>greater
than or equal to </B>its Initial Level on any Observation Date scheduled to occur on or after <B>December 20, 2022</B> (other than the
Valuation Date), the securities will be automatically redeemed for an amount per security equal to the Principal Amount plus the Contingent
Coupon payable on the immediately following Contingent Coupon Payment Date. At maturity, if the securities have not previously been automatically
redeemed and the Final Level of the Worst Performing Underlying is greater than or equal to 75% of its Initial Level, which we refer to
as its Downside Threshold Level, investors will receive the Principal Amount, and, because the Final Level of each Underlying is greater
than or equal to its respective Coupon Barrier Level, the Contingent Coupon payable with respect to the Valuation Date. However, if the
Final Level of the Worst Performing Underlying is <B>less than</B> its Downside Threshold Level, investors will be fully exposed to the
decline in the level of the Worst Performing Underlying over the term of the securities, and the Redemption Amount will be less than 75%
of the Principal Amount of the securities and could be zero. <B>Accordingly, investors may lose up to their entire initial investment
in the securities.</B> Because payments on the securities are based on the performance of each Underlying, a decline beyond the respective
Coupon Barrier Level and/or respective Downside Threshold Level, as applicable, of <B>any</B> Underlying will result in few or no Contingent
Coupons and/or a significant loss of your investment, as applicable, even if any other Underlying has appreciated or has not declined
as much. Investors will not participate in any appreciation of any Underlying. These securities are for investors who seek an opportunity
to earn interest at a potentially above-market rate in exchange for the risk of losing a significant portion or all of their principal,
the risk of receiving no Contingent Coupon on a Contingent Coupon Payment Date if the closing level of any Underlying is below its respective
Coupon Barrier Level on the immediately preceding Observation Date, and the risk of an Automatic Redemption of the securities.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>All payments on the securities, including the repayment of principal,
are subject to the credit risk of Credit Suisse.</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: #296DC1">
    <TD COLSPAN="7" STYLE="color: white; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>KEY TERMS</B></FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Issuer: </B></FONT></TD>
    <TD COLSPAN="6">Credit Suisse AG (&ldquo;Credit Suisse&rdquo;), acting through its London branch</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Underlyings:</B></FONT></TD>
    <TD COLSPAN="6">The Underlyings are set forth in the table below. For more information on the Underlyings, 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; &ldquo;The Reference Indices&mdash;The FTSE Russell Indices&mdash;The Russell Indices&mdash;The Russell 2000<SUP>&reg;</SUP> Index&rdquo; and &ldquo;The Reference Indices&mdash;The Nasdaq-100 Index<SUP>&reg;</SUP>&rdquo; in the accompanying underlying supplement. Each Underlying is identified in the table below, together with its Reuters ticker symbol, Initial Level, Downside Threshold Level, Coupon Barrier Level and Early Redemption Level:</TD></TR>
  <TR>
    <TD ROWSPAN="3" STYLE="vertical-align: top; width: 15%">&nbsp;</TD>
    <TD STYLE="width: 14%; border-bottom: Black 1pt solid"><B>Underlying</B></TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center"><B>Ticker</B></TD>
    <TD STYLE="width: 9%; border-bottom: Black 1pt solid; text-align: center"><B>Initial Level</B></TD>
    <TD STYLE="width: 21%; border-bottom: Black 1pt solid; text-align: center"><B>Downside Threshold Level</B></TD>
    <TD STYLE="width: 15%; border-bottom: Black 1pt solid; text-align: center"><B>Coupon Barrier Level</B></TD>
    <TD STYLE="width: 16%; border-bottom: Black 1pt solid; text-align: center"><B>Early Redemption Level</B></TD></TR>
  <TR>
    <TD>S&amp;P 500<SUP>&reg;</SUP> Index</TD>
    <TD STYLE="text-align: center">SPX &lt;Index&gt;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD>Russell 2000<SUP>&reg;</SUP> Index</TD>
    <TD STYLE="text-align: center">RTY &lt;Index&gt;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>Nasdaq-100 Index<SUP>&reg;</SUP></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">NDX</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&lt;Index&gt;</P></TD>
    <TD STYLE="vertical-align: top; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD><FONT STYLE="color: #296DC1"><B>Aggregate Principal Amount:</B></FONT></TD>
    <TD COLSPAN="6">$</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Listing:</B></FONT></TD>
    <TD COLSPAN="6">The securities will not be listed on any securities exchange.</TD></TR>
  <TR STYLE="background-color: #DCEAF5">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: right"><B><I>Key Terms continued on the following page</I></B></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Investing in the securities involves a number of risks. See &ldquo;Selected
Risk Considerations&rdquo; beginning on page 12 of this pricing supplement and &ldquo;Risk Factors&rdquo; beginning on page PS-3 of any
accompanying product supplement.</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 23%; border: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1"><B>Commissions and Price to Public</B></FONT></TD>
    <TD STYLE="width: 24%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1"><B>Price to Public</B></FONT></TD>
    <TD STYLE="width: 31%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1"><B>Underwriting Discounts and Commissions</B></FONT></TD>
    <TD STYLE="width: 22%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1"><B>Proceeds to Issuer</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1"><B>Per security</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1"><B>$1,000</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1"><B>$15<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1"><B>$5<SUP>(2)</SUP></B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1"><B>$980</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1"><B>Total</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1"><B>$</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1"><B>$</B></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1"><B>$</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(1) We or one of our affiliates may pay to Morgan Stanley Smith Barney
LLC (&ldquo;MSSB&rdquo;) varying discounts and commissions of up to $20 per $1,000 principal amount of securities, of which $5 per $1,000
principal amount of securities will be paid as a structuring fee. For more detailed information, please see &ldquo;Supplemental Plan of
Distribution (Conflicts of Interest)&rdquo; in this pricing supplement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(2) Reflects a structuring fee payable to MSSB by Credit Suisse Securities
(USA) LLC (&ldquo;CSSU&rdquo;) or one of its affiliates of $5 for each security.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Credit Suisse currently estimates the value of each $1,000 principal
amount of the securities on the Trade Date will be between $940 and $980 (as determined by reference to our pricing models and the rate
we are currently paying to borrow funds through issuance of the securities (our &ldquo;internal funding rate&rdquo;)). This range of estimated
values reflects terms that are not yet fixed. A single estimated value reflecting final terms will be determined on the Trade Date. See
&ldquo;Selected Risk Considerations&rdquo; in this pricing supplement.</B></P>

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

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

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #DCEBF4; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: rgb(220,235,244)">
    <TD COLSPAN="2" STYLE="font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><I>Key Terms continued from previous page:</I></B></FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; width: 11%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Principal Amount:</B></FONT></TD>
    <TD STYLE="width: 89%">$1,000 per security</TD></TR>
  <TR STYLE="background-color: rgb(220,235,244)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Price to Public:</B></FONT></TD>
    <TD>$1,000 per security (see &ldquo;Commissions and Price to Public&rdquo; below)</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Trade Date: </B></FONT></TD>
    <TD>September 20, 2022</TD></TR>
  <TR STYLE="background-color: rgb(220,235,244)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Settlement Date: </B></FONT></TD>
    <TD>September 23, 2022.&nbsp;&nbsp;Delivery of the securities in book-entry form only will be made through The Depository Trust Company.</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Valuation Date: </B></FONT></TD>
    <TD>September 20, 2024, subject to postponement as set forth in any accompanying product supplement under &ldquo;Description of the Securities&mdash;Postponement of calculation dates.&rdquo;</TD></TR>
  <TR STYLE="background-color: rgb(220,235,244)">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Maturity Date: </B></FONT></TD>
    <TD>September 25, 2024, subject to postponement as set forth in any accompanying product supplement under &ldquo;Description of the Securities&mdash;Postponement of calculation dates.&rdquo; If the Maturity Date is not a business day, the Redemption Amount will be payable on the first following business day, unless that business day falls in the next calendar month, in which case payment will be made on the first preceding business day.</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Redemption Amount:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 10pt">If the securities have not previously been automatically redeemed, on the Maturity Date investors will receive a Redemption Amount determined as follows:</FONT></TD></TR>
  </TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 11%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 54%; padding-left: 7.35pt; text-indent: -7.35pt; layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT><FONT STYLE="font-size: 10pt">If the Final Level of the Worst Performing Underlying is <B>greater than or equal to </B>its Downside Threshold Level:</FONT></TD>
    <TD STYLE="width: 35%; layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-size: 10pt">the Principal Amount, and, because the Final Level of each Underlying is greater than or equal to its respective Coupon Barrier Level, the Contingent Coupon with respect to the Valuation Date.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 7.35pt; text-indent: -7.35pt; layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;</FONT><FONT STYLE="font-size: 10pt">If the Final Level of the Worst Performing Underlying is <B>less than</B> its Downside Threshold Level:</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">(i) the Principal Amount <I>multiplied by</I> (ii) the Underlying Return
    of the Worst Performing Underlying.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>In this case, the Redemption Amount will be less than $750 per $1,000
    principal amount of securities. You could lose your entire investment.</B></P></TD></TR>
  </TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #DCEBF4; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: rgb(220,235,244)">
    <TD STYLE="width: 11%"><FONT STYLE="color: #296DC1"><B>Distributor: </B></FONT></TD>
    <TD STYLE="width: 89%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">MSSB.&nbsp;&nbsp;See &ldquo;Supplemental Plan of Distribution (Conflicts of Interest).&rdquo;</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Calculation Agent:</B></FONT></TD>
    <TD>Credit Suisse International</TD></TR>
  <TR STYLE="background-color: rgb(220,235,244)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Contingent Coupons:</B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.35pt; text-indent: -7.35pt"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;
    </FONT><FONT STYLE="font-size: 10pt">Subject to Automatic Redemption, if, <B>on any</B> Observation Date the closing level of each Underlying
    is <B>greater than or equal to</B> its respective Coupon Barrier Level, we will pay a Contingent Coupon at an annual rate of 15.40% (corresponding
    to $38.50 per period per security and to be determined on the Trade Date) on the immediately following Contingent Coupon Payment Date.</FONT></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 7.35pt; text-indent: -7.35pt"><FONT STYLE="font-family: Symbol">&middot;</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">&nbsp;
    </FONT><FONT STYLE="font-size: 10pt">If <B>on any</B> Observation Date, the closing level of any Underlying is <B>less than</B> its respective
    Coupon Barrier Level, no Contingent Coupon will be paid with respect to that Observation Date (a &ldquo;Coupon Barrier Event&rdquo;).
    </FONT></P></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Automatic Redemption:</B></FONT></TD>
    <TD>If an Early Redemption Event occurs, the securities will be automatically redeemed and you will receive a cash payment equal to the Principal Amount (the &ldquo;Automatic Redemption Amount&rdquo;) and the Contingent Coupon payable on the immediately following Contingent Coupon Payment Date&nbsp;&nbsp;(the &ldquo;Automatic Redemption Date&rdquo;). No further payments will be made in respect of the securities following an Automatic Redemption. Payment will be made with respect to such Automatic Redemption on the Contingent Coupon Payment Date immediately following the relevant Observation Date. Any payment on the securities is subject to our ability to pay our obligations as they become due.</TD></TR>
  <TR STYLE="background-color: rgb(220,235,244)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Early Redemption Event:</B></FONT></TD>
    <TD>An Early Redemption Event will occur on any Observation Date scheduled to occur on or after <B>December 20, 2022</B> (other than the Valuation Date) if the closing level of each Underlying on such Observation Date is equal to or greater than its respective Early Redemption Level.</TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Early Redemption Level:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 10pt">For each Underlying, expected to be 100% of the Initial Level of such Underlying (to be determined on the Trade Date).</FONT></TD></TR>
  <TR STYLE="background-color: rgb(220,235,244)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Coupon Barrier Level:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 10pt">For each Underlying, expected to be 75% of the Initial Level of such Underlying (to be determined on the Trade Date).</FONT></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Downside Threshold Level:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 10pt">For each Underlying, expected to be 75% of the Initial Level of such Underlying (to be determined on the Trade Date).</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(220,235,244)">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Initial Level:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 10pt">For each Underlying, the closing level of such Underlying on the Trade Date. In the event that the closing level for any Underlying is not available on the Trade Date, the Initial Level for such Underlying will be determined on the immediately following trading day on which a closing level is available.</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Final Level:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char"><FONT STYLE="font-size: 10pt">For each Underlying, the closing level of such Underlying on the Valuation Date</FONT></TD></TR>
  </TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #2E74B5">
    <TD STYLE="background-color: rgb(220,235,244); width: 11%; text-align: left"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Key Dates:</B></FONT></TD>
    <TD STYLE="width: 49%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>Observation Dates</B></FONT></TD>
    <TD STYLE="width: 40%; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white"><B>Contingent Coupon Payment Dates</B></FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 20, 2022</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 23, 2022</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 20, 2023</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 23, 2023</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 20, 2023</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 23, 2023</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 20, 2023</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">September 25, 2023</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 20, 2023</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">December 26, 2023</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 20, 2024</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">March 25, 2024</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 20, 2024</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">June 25, 2024</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>


<!-- Field: Page; Sequence: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="text-align: center; width: 11%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 49%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Valuation Date</FONT></TD>
    <TD STYLE="text-align: center; width: 40%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Maturity Date</FONT></TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #DCEBF4; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 11%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 89%; font-size: 10pt">The Key Dates are subject to postponement as set forth in any accompanying product
    supplement under &ldquo;Description of the Securities&mdash;Postponement of calculation dates.&rdquo; If any Contingent Coupon
    Payment Date is not a business day, the Contingent Coupon will be payable on the first following business day, unless that business
    day falls in the next calendar month, in which case payment will be made on the first preceding business day. The amount of any
    Contingent Coupon will not be adjusted in respect of any postponement of a Contingent Coupon Payment Date and no interest or other
    payment will be payable on the securities because of any such postponement of a Contingent Coupon Payment Date. No Contingent
    Coupons will be payable following an Automatic Redemption. Contingent Coupons, if any, will be payable on the applicable Contingent
    Coupon Payment Date to the holder of record at the close of business on the business day immediately preceding the applicable
    Contingent Coupon Payment Date, provided that the Contingent Coupon payable, if any, on the Automatic Redemption Date or Maturity
    Date, as applicable, will be payable to the person to whom the Automatic Redemption Amount or Redemption Amount, as applicable, is
    payable.</TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Underlying Return:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-size: 10pt">With respect to each Underlying, the Final Level of such Underlying <I>divided by</I> its Initial Level</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Worst Performing Underlying:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-size: 10pt">The Underlying with the lowest Underlying Return</FONT></TD></TR>
  <TR STYLE="vertical-align: top; background-color: white">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>Events of Default<FONT STYLE="font-size: 10pt">:</FONT></B></FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">With respect to these securities, the first bullet of the first sentence
    of &ldquo;Description of Debt Securities&mdash; Events of Default&rdquo; in the accompanying prospectus is amended to read in its entirety
    as follows:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 40.5pt; text-indent: -9pt">&bull; a default in payment of the principal
    or any premium on any debt security of that series when due, and such default continues for 30 days;</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #296DC1"><B>CUSIP / ISIN:</B></FONT></TD>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-size: 10pt">22553QLW5 / US22553QLW59</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>&nbsp;&nbsp;&nbsp;</B></P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Additional Terms Specific to the Securities</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">&bull;</TD><TD>Underlying Supplement dated June 18, 2020:</TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.75in; text-indent: 0in"><A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000095010320011950/dp130454_424b2-eus.htm">https://www.sec.gov/Archives/edgar/data/1053092/000095010320011950/dp130454_424b2-eus.htm</A></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.75in; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">&bull;</TD><TD>Product Supplement No. I&ndash;B dated June 18, 2020:<BR>
<A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000095010320011955/dp130588_424b2-ps1b.htm">https://www.sec.gov/Archives/edgar/data/1053092/000095010320011955/dp130588_424b2-ps1b.htm</A></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&bull;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Prospectus Supplement and Prospectus dated June 18, 2020</FONT>: <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000110465920074474/tm2019510-8_424b2.htm">https://www.sec.gov/Archives/edgar/data/1053092/000110465920074474/tm2019510-8_424b2.htm</A></FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">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, the product supplement, the prospectus supplement
or prospectus, the terms described in this pricing supplement will control.</P>

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">This pricing supplement, together with the documents listed above, contains
the terms of the securities and supersedes all other prior &#9;or contemporaneous oral statements as well as any other written materials
including preliminary or indicative pricing terms, fact sheets, correspondence, trade ideas, structures for implementation, sample structures,
brochures or other educational materials of ours. We may, without the consent of the registered holder of the securities and the owner
of any beneficial interest in the securities, amend the securities to conform to its terms as set forth in this pricing supplement and
the documents listed above, and the trustee is authorized to enter into any such amendment without any such consent. You should carefully
consider, among other things, the matters set forth in &ldquo;Selected Risk Considerations&rdquo; in this pricing supplement and &ldquo;Risk
Factors&rdquo; in any accompanying product supplement, &ldquo;Foreign Currency Risks&rdquo; in the accompanying prospectus, and any risk
factors we describe in the combined Annual Report on Form 20-F of Credit Suisse Group AG and us incorporated by reference therein, and
any additional risk factors we describe in future filings we make with the SEC under the Securities Exchange Act of 1934, as amended,
as the securities involve risks not associated with conventional debt securities. You should consult your investment, legal, tax, accounting
and other advisors before deciding to invest in the securities.</P>

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

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


<!-- Field: Page; Sequence: 4 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Supplemental Terms of the Securities</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="5" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 49%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-bottom: Black 0.5pt solid"><B>Product Supplement Defined
Term</B></P></TD>
    <TD STYLE="width: 51%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; border-bottom: Black 0.5pt solid"><B>Pricing Supplement Defined
Term</B></P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Knock-In Level</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Downside Threshold Level</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Lowest Performing Underlying</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Worst Performing Underlying</FONT></TD></TR>
  </TABLE>

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

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Investment Summary</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="color: #296DC1; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities</P>

<P STYLE="color: #296DC1; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="color: #A6A6A6; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Principal at Risk Securities</P>

<P STYLE="color: #A6A6A6; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Auto-Callable Contingent Income Securities due September 25, 2024
based on the S&amp;P 500<SUP>&reg;</SUP> Index, Russell 2000<SUP>&reg;</SUP> Index and the Nasdaq-100 Index<SUP>&reg;</SUP>, which we
refer to as the securities, provide an opportunity for investors to earn a Contingent Coupon at an annual rate of 15.40% (corresponding
to $38.50 per period per security and to be determined on the Trade Date) <B>but only if</B> the closing level of each Underlying <B>on
</B>the applicable Observation Date is <B>greater than or equal to</B> 75% of its respective Initial Level, which we refer to as its Coupon
Barrier Level. It is possible that the closing levels of one or more Underlyings could be below their respective Coupon Barrier Levels
on most or all of the Observation Dates throughout the entire term of the securities so that you may receive few or no Contingent Coupons
during the entire term of the securities. In addition, if the closing level of each Underlying is greater than or equal to its Initial
Level on any Observation Date scheduled to occur on or after <B>December 20, 2022</B> (other than the Valuation Date), the securities
will be automatically redeemed for an amount per security equal to the Principal Amount plus the Contingent Coupon payable on the immediately
following Contingent Coupon Payment Date.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the securities have not been previously automatically redeemed and
the Final Level of the Worst Performing Underlying is greater than or equal to 75% of its Initial Level, which we refer to as its Downside
Threshold Level, the Redemption Amount will be the Principal Amount and, because the Final Level of each Underlying is <B>greater than
or equal to</B> its Coupon Barrier Level, the Contingent Coupon with respect to the Valuation Date. However, if the Final Level of the
Worst Performing Underlying is <B>less than</B> its Downside Threshold Level, investors will be fully exposed to the decline in the Worst
Performing Underlying over the term of the securities and will receive a Redemption Amount that is significantly less than the Principal
Amount, in proportion to the decline in the Worst Performing Underlying from its Initial Level to its Final Level. In this scenario, the
value of any such payment will be less than 75% of the Principal Amount of the securities and could be zero. <B>Investors in the securities
must be willing to accept the risk of losing their entire principal and also the risk of not receiving any Contingent Coupons. </B> In
addition, investors will not participate in any appreciation of any Underlying.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 23%; layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Maturity:</FONT></TD>
    <TD STYLE="width: 77%; layout-grid-mode: char; font-size: 10pt">Approximately two years, unless automatically redeemed earlier</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Redemption Amount:</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the securities have not previously been automatically redeemed, investors
    will receive on the Maturity Date a Redemption Amount determined as follows:</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the Final Level of the Worst Performing Underlying is <B>greater
    than or equal to</B> its Downside Threshold Level, investors will receive the Principal Amount and, because the Final Level of each Underlying
    is also greater than or equal to its Coupon Barrier Level, the Contingent Coupon with respect to the Valuation Date.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the Final Level of the Worst Performing Underlying is <B>less than</B>
    its Downside Threshold Level, investors will receive a Redemption Amount that is less than 75% of the Principal Amount of the securities
    and could be zero. <B>Accordingly, investors in the securities must be willing to accept the risk of losing their entire initial investment.</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Contingent Coupons:</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">A <I>Contingent Coupon</I> at an annual rate of 15.40% (corresponding
    to $38.50 per period per security and to be determined on the Trade Date) will be paid on the securities on each Contingent Coupon Payment
    Date <B>but only if</B> the closing level of each Underlying is at or above its respective Coupon Barrier Level on the immediately preceding
    Observation Date.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>If, on any Observation Date, the closing level of any Underlying
    is less than its respective Coupon Barrier Level, we will pay no coupon for the applicable period.</B></P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Automatic Redemption:</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If an Early Redemption Event occurs, the securities will be automatically
    redeemed and you will receive a cash payment equal to the Principal Amount and the Contingent Coupon payable on the immediately following
    Contingent Coupon Payment Date. No further payments will be made in respect of the securities following an Automatic Redemption. Payment
    will be made in respect of such Automatic Redemption on the Contingent Coupon Payment Date immediately following the relevant Observation
    Date.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">An Early Redemption Event will occur on any Observation Date scheduled
    to occur on or after <B>December 20, 2022</B> (other than the Valuation Date) if the closing level of each Underlying on such Observation
    Date is equal to or greater than its respective Early Redemption Level.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
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<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Key Investment Rationale</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The securities do not guarantee any repayment of principal at maturity
and offer investors an opportunity to earn a Contingent Coupon of 15.40% per annum (corresponding to $38.50 per period per security and
to be determined on the Trade Date) <B>but only if</B> the closing level of each Underlying <B>on </B>the applicable Observation Date
is greater than or equal to 75% of its Initial Level, which we refer to as its Coupon Barrier Level. The securities have been designed
for investors who seek an opportunity to earn interest at a potentially above-market rate in exchange for the risk of (i) losing a significant
portion or all of their principal, (ii) receiving no Contingent Coupon on a Contingent Coupon Payment Date if the level of any Underlying
is below its respective Coupon Barrier Level on the immediately preceding Observation Date and (iii) an Automatic Redemption of the securities.
The following scenarios are for illustrative purposes only to demonstrate how the Contingent Coupon and the Redemption Amount (if the
securities have not previously been automatically redeemed) are calculated, and do not attempt to demonstrate every situation that may
occur. Accordingly, the securities may or may not be automatically redeemed, the Contingent Coupon may be payable in none of, or some
but not all of, the periods during the term of the securities and the Redemption Amount may be less than 75% of the Principal Amount of
the securities and may be zero.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="5" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 27%; border: white 1.5pt solid; background-color: #DCEBF4; layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Scenario 1: </B><FONT STYLE="font-weight: normal">The securities are automatically redeemed prior to maturity.</FONT></FONT></TD>
    <TD STYLE="width: 73%; font-size: 12pt"><FONT STYLE="font-size: 10pt">This scenario assumes that the securities are automatically redeemed prior to the Maturity Date on one of the Contingent Coupon Payment Dates for the Automatic Redemption Amount equal to the Principal Amount plus the Contingent Coupon payable on such Contingent Coupon Payment Date.&nbsp;&nbsp;Prior to the Automatic Redemption, each Underlying may close at or above its respective Coupon Barrier Level on some or all of the Observation Dates.&nbsp;&nbsp;In this scenario, investors receive the Contingent Coupon with respect to each Observation Date on which each Underlying closes at or above its respective Coupon Barrier Level, but not for the Observation Dates on which any Underlying closes below its respective Coupon Barrier Level. No further payments will be made on the securities once they have been automatically redeemed.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1.5pt solid; border-bottom: white 1.5pt solid; border-left: white 1.5pt solid; background-color: #DCEBF4; layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Scenario 2: </B><FONT STYLE="font-weight: normal">The securities are not automatically redeemed prior to maturity, and investors receive principal back at maturity.</FONT></FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">This scenario assumes that the securities are not automatically redeemed on any of the Contingent Coupon Payment Dates, and, as a result, investors hold the securities to maturity.&nbsp;&nbsp;During the term of the securities, each Underlying may close at or above its respective Coupon Barrier Level on some but not all of the Observation Dates.&nbsp;&nbsp;Consequently, investors receive the Contingent Coupon with respect to each Observation Date on which each Underlying closes at or above its respective Coupon Barrier Level, but not for the Observation Dates on which any Underlying closes below its respective Coupon Barrier Level. On the Valuation Date, the Worst Performing Underlying closes at or above its Downside Threshold Level. Therefore, at maturity, investors will receive the Principal Amount, and, because the Final Level of each Underlying is greater than or equal to its respective Coupon Barrier Level, the Contingent Coupon with respect to the Valuation Date.</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; border-right: white 1.5pt solid; border-bottom: white 1.5pt solid; border-left: white 1.5pt solid; background-color: #DCEBF4; layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Scenario 3: </B><FONT STYLE="font-weight: normal">The securities are not automatically redeemed prior to maturity, and investors suffer a substantial loss of principal at maturity.</FONT></FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">This scenario assumes that the securities are not automatically redeemed on any of the Contingent Coupon Payment Dates, and, as a result, investors hold the securities to maturity. During the term of the securities, one or more Underlyings close below their respective Coupon Barrier Levels on all or nearly all of the Observation Dates.&nbsp;&nbsp;In this scenario, investors do not receive any Contingent Coupons, or receive Contingent Coupons for only a limited number of Contingent Coupon Payment Dates. On the Valuation Date, the Worst Performing Underlying closes below its Downside Threshold Level.&nbsp;&nbsp;Therefore, investors receive an amount equal to the Principal Amount multiplied by the Underlying Return of the Worst Performing Underlying at maturity.&nbsp;&nbsp;Under these circumstances, the Redemption Amount will be less than 75% of the Principal Amount and could be zero.&nbsp;&nbsp;No coupon will be paid at maturity in this scenario. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
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<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">S&amp;P 500<SUP>&reg;</SUP> Index Summary</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The S&amp;P 500<SUP>&reg;</SUP> Index, which is calculated, maintained
and published by S&amp;P Dow Jones Indices LLC (&ldquo;S&amp;P&rdquo;), consists of stocks of 500 component companies selected to provide
a performance benchmark for the U.S. equity markets. The calculation of the S&amp;P 500<SUP>&reg;</SUP> Index is based on the relative
value of the float-adjusted aggregate market capitalization of the 500 component companies as of a particular time as compared to the
aggregate average market capitalization of 500 similar companies during the base period of the years 1941 through 1943.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Information as of market close on September 15, 2022:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="5" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 50%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 66%; layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Bloomberg Ticker Symbol:</FONT></TD>
    <TD STYLE="width: 34%; text-align: center; layout-grid-mode: char; font-size: 10pt">SPX</TD></TR>
  <TR>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Current Closing Level:</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,901.35</FONT></TD></TR>
  <TR>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">52 Weeks Ago (on 9/16/2021):</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,473.75</FONT></TD></TR>
  <TR>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">52 Week High (on 1/3/2022):</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,796.56</FONT></TD></TR>
  <TR>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">52 Week Low (on 6/16/2022):</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,666.77</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For additional information about the S&amp;P 500<SUP>&reg;</SUP> Index,
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. Furthermore, for additional historical information, see &ldquo;S&amp;P 500<SUP>&reg;</SUP>
Index Historical Performance&rdquo; below.</P>

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

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Russell 2000<SUP>&reg;</SUP> Index Summary</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Russell 2000<SUP>&reg;</SUP> Index, which is calculated, maintained
and published by Russell Investments (&ldquo;Russell&rdquo;), is designed to track the performance of the small capitalization segment
of the U.S. equity market. As a subset of the Russell 3000<SUP>&reg;</SUP> Index (the &ldquo;Russell 3000&rdquo;), the Russell 2000<SUP>&reg;</SUP>
Index consists of approximately 2,000 of the smallest companies (based on a combination of their market capitalization and current index
membership) included in the Russell 3000.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Information as of market close on September 15, 2022:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="5" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 50%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 66%; layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Bloomberg Ticker Symbol:</FONT></TD>
    <TD STYLE="width: 34%; text-align: center; layout-grid-mode: char; font-size: 10pt">RTY</TD></TR>
  <TR>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Current Closing Level:</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,825.234</FONT></TD></TR>
  <TR>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">52 Weeks Ago (on 9/16/2021):</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,232.911</FONT></TD></TR>
  <TR>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">52 Week High (on 11/8/2021):</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,442.742</FONT></TD></TR>
  <TR>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">52 Week Low (on 6/16/2022:</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,649.836</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For additional information about the Russell 2000<SUP>&reg;</SUP> Index,
see &ldquo;The Reference Indices&mdash;The FTSE Russell Indices&mdash;The Russell Indices&mdash;The Russell 2000<SUP>&reg;</SUP> Index&rdquo;
in the accompanying underlying supplement. Furthermore, for additional historical information, see &ldquo;Russell 2000<SUP>&reg;</SUP>
Index Historical Performance&rdquo; below.</P>

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

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Nasdaq-100 Index<SUP>&reg;</SUP> Summary</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The Nasdaq-100 Index<SUP>&reg;</SUP>, which is calculated, maintained
and published by Nasdaq, Inc., is a modified capitalization-weighted index of 100 of the largest and most actively traded equity securities
of non-financial companies listed on The Nasdaq Stock Market. The Nasdaq-100 Index<SUP>&reg;</SUP> includes companies across a variety
of major industry groups. At any moment in time, the value of the Nasdaq-100 Index<SUP>&reg;</SUP> equals the aggregate value of the then-current
Nasdaq-100 Index<SUP>&reg;</SUP> share weights of each of the Nasdaq-100 Index<SUP>&reg;</SUP> component securities, which are based on
the total shares outstanding of each such Nasdaq-100 Index<SUP>&reg;</SUP> component security, multiplied by each such security&rsquo;s
respective last sale price on Nasdaq (which may be the official closing price published by Nasdaq), and divided by a scaling factor, which
becomes the basis for the reported Nasdaq-100 Index<SUP>&reg;</SUP> value.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Information as of market close on September 15, 2022:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="5" ALIGN="CENTER" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 50%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 66%; layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Bloomberg Ticker Symbol:</FONT></TD>
    <TD STYLE="width: 34%; text-align: center; layout-grid-mode: char; font-size: 10pt">NDX</TD></TR>
  <TR>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Current Closing Level:</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">11,927.49</FONT></TD></TR>
  <TR>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">52 Weeks Ago (on 9/16/2021):</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15,515.91</FONT></TD></TR>
  <TR>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">52 Week High (on 11/19/2021):</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16,573.34</FONT></TD></TR>
  <TR>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt; color: #296DC1; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">52 Week Low (on 6/16/2022):</FONT></TD>
    <TD STYLE="vertical-align: bottom; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">11,127.57</FONT></TD></TR>
  </TABLE>

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

<!-- Field: Page; Sequence: 8 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">For additional information about the Nasdaq-100 Index<SUP>&reg;</SUP>,
see &ldquo;The Reference Indices&mdash;The Nasdaq-100 Index<SUP>&reg;</SUP>&rdquo; in the accompanying underlying supplement. Furthermore,
for additional historical information, see &ldquo;Nasdaq-100 Index<SUP>&reg;</SUP> Historical Performance&rdquo; below.</P>

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


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Hypothetical Examples</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following hypothetical examples are for illustrative purposes only.
Whether you receive a Contingent Coupon and whether an Early Redemption Event occurs will be determined on each Observation Date. If the
securities are not automatically redeemed, the Redemption Amount will be determined by reference to the Final Level of the Worst Performing
Underlying. The actual Initial Level, Coupon Barrier Level, Downside Threshold Level and Early Redemption Level for each Underlying will
be determined on the Trade Date. All payments on the securities are subject to the credit risk of Credit Suisse. The numbers in the hypothetical
examples may be rounded for ease of analysis. The below examples are based on the following terms:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #DCEBF4; border-collapse: collapse">
  <TR STYLE="background-color: rgb(220,235,244)">
    <TD STYLE="vertical-align: top; width: 26%; layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-size: 10pt">Hypothetical Initial Level of the Underlyings:</FONT></TD>
    <TD STYLE="width: 74%">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Underlying A: 100&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Underlying B: 100&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Underlying C: 100&nbsp;</P></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-size: 10pt">Hypothetical Coupon Barrier Level of the Underlyings:</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Underlying A: 75, which is 75% of the hypothetical Initial Level&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Underlying B: 75, which is 75% of the hypothetical Initial Level&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Underlying C: 75, which is 75% of the hypothetical Initial Level&nbsp;</P></TD></TR>
  <TR STYLE="background-color: rgb(220,235,244)">
    <TD STYLE="vertical-align: top; layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-size: 10pt">Hypothetical Downside Threshold Level of the Underlyings:</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Underlying A: 75, which is 75% of the hypothetical Initial Level&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Underlying B: 75, which is 75% of the hypothetical Initial Level&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Underlying C: 75, which is 75% of the hypothetical Initial Level&nbsp;</P></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-size: 10pt">Hypothetical Early Redemption Level of the Underlyings:</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Underlying A: 100, which is 100% of the hypothetical Initial Level&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Underlying B: 100, which is 100% of the hypothetical Initial Level&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Underlying C: 100, which is 100% of the hypothetical Initial Level</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"></P></TD></TR>
  <TR STYLE="background-color: rgb(220,235,244)">
    <TD STYLE="vertical-align: top; layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-size: 10pt">Contingent Coupons:</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">15.40% per annum (corresponding to $38.50 per period per security)&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">A Contingent Coupon is paid on each Contingent Coupon Payment Date
<B>but only if the closing level of each Underlying is at or above its respective Coupon Barrier Level on the related Observation Date.&nbsp;</B></P></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-size: 10pt">Automatic Redemption:</FONT></TD>
    <TD STYLE="font-size: 10pt">If on any Observation Date scheduled to occur on or after <B>December 20, 2022</B> (other than the Valuation Date) the closing level of each Underlying is greater than or equal to its Initial Level, the securities will be automatically redeemed for an Automatic Redemption Amount equal to the Principal Amount plus the Contingent Coupon payable on the immediately following Contingent Coupon Payment Date.</TD></TR>
  <TR STYLE="background-color: rgb(220,235,244)">
    <TD STYLE="vertical-align: top; layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-size: 10pt">Redemption Amount (if the securities have not been automatically redeemed):</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the Final Level of the Worst Performing Underlying is <B>greater
than or equal to</B> its Downside Threshold Level: the Principal Amount and, because the Final Level of each Underlying is greater than
or equal to its respective Coupon Barrier Level, the Contingent Coupon with respect to the Valuation Date.&nbsp;</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">If the Final Level of the Worst Performing Underlying is <B>less
than</B> its Downside Threshold Level: (i) the Principal Amount <I>multiplied by</I> (ii) the Underlying Return of the Worst Performing
Underlying.&nbsp;</P></TD></TR>
  <TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-size: 10pt">Principal Amount:</FONT></TD>
    <TD STYLE="layout-grid-mode: char; font-size: 10pt"><FONT STYLE="font-size: 10pt">$1,000</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">In Example 1, the securities are automatically redeemed
on one of the Contingent Coupon Payment Dates, and no further payments are made on the securities after they have been automatically redeemed.
In Examples 2, 3, and 4, the securities are not automatically redeemed prior to and remain outstanding until maturity.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Example 1 </B>&mdash; The closing level of each Underlying is at
or above its respective Early Redemption Level on the third Observation Date, but below its respective Early Redemption Level on each
prior Observation Date, so the securities are automatically redeemed on the Contingent Coupon Payment Date immediately following the third
Observation Date. The closing level of each Underlying is also at or above its respective Coupon Barrier Level on each Observation Date
prior to (and excluding) the Observation Date immediately preceding the Automatic Redemption. Therefore, you would receive the Contingent
Coupons with respect to those Observation Dates, totaling $38.50 &times; 2 = $77. The closing level of each Underlying is greater than
or equal to its respective Coupon Barrier Level on the Observation Date immediately preceding the Automatic Redemption. Upon Automatic
Redemption, investors receive the Automatic Redemption Amount calculated as $1,000 + $38.50 = $1,038.50.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">The total payment over the 9-month term of the securities
is $77 + $1,038.50 = $1,115.50.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><B>Example 2 </B>&mdash;The closing level of each
Underlying is below its respective Early Redemption Level on each Observation Date prior to the Valuation Date, so the securities are
not automatically redeemed prior to maturity. The closing level of each Underlying is at or</P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">above its respective Coupon Barrier Level on every
Observation Date including the Valuation Date, and the Final Level of the Worst Performing Underlying is above its Initial Level. Therefore,
you would receive (i) the Contingent Coupons with respect to each Observation Date prior to (and excluding) the Valuation Date, totaling
$38.50 &times; 7 = $269.50 and (ii) the Redemption Amount calculated as $1,000 + $38.50 = $1,038.50.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">The total payment over the 2-year term of the securities
is $269.50 + $1,038.50 = $1,308.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">This example illustrates the scenario where you receive
a Contingent Coupon on every Contingent Coupon Payment Date throughout the term of the securities and receive your principal back at maturity,
resulting in a per annum interest rate of 15.40%. Despite the fact that the Final Level of the Worst Performing Underlying is greater
than its Initial Level, you will not participate in any appreciation of any Underlying. This is therefore the maximum amount payable over
the term of the securities. To the extent that coupons are not paid on every Contingent Coupon Payment Date, the effective interest rate
on the securities will be less than 15.40% per annum and could be zero. If the securities are automatically redeemed prior to maturity,
you will receive no more Contingent Coupons, may be forced to invest in a lower interest rate environment and may not be able to reinvest
at comparable terms or returns.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><B>Example 3 </B>&mdash; The closing level of each
Underlying is below its respective Early Redemption Level on each Observation Date prior to the Valuation Date, so the securities are
not automatically redeemed prior to maturity. The closing level of each Underlying is at or above its respective Coupon Barrier Level
on two of the Observation Dates prior to the Valuation Date. The Final Level of the Worst Performing Underlying is above its Downside
Threshold Level and Coupon Barrier Level on the Valuation Date. In this scenario, you receive a Redemption Amount equal to the Principal
Amount and the Contingent Coupon with respect to the Valuation Date. Therefore, you would receive (i) the Contingent Coupons with respect
to two Observation Dates prior to the Valuation Date, totaling $38.50 &times; 2 = $77, but not for the other Observation Dates prior to
the Valuation Date, and (ii) the Redemption Amount calculated as $1,000 + $38.50 = $1,038.50.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">The total payment over the 2-year term of the securities
is $77 + $1,038.50 = $1,115.50.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><B>Example 4 </B>&mdash; The closing level of each
Underlying is below its respective Early Redemption Level on each Observation Date prior to the Valuation Date, so the securities are
not automatically redeemed prior to maturity. The closing levels of one or more Underlyings are below their respective Coupon Barrier
Levels on all of the Observation Dates, and the Final Level of the Worst Performing Underlying is 50, which is below its Downside Threshold
Level. Therefore, you would receive no Contingent Coupons, and the Redemption Amount would be calculated as $1,000 &times; 50 / 100 =
$500.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in">The total payment over the 2-year term of the securities
is $0 + $500 = $500.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-indent: 0in"><B>If the securities are not automatically redeemed
prior to maturity and the Final Level of the Worst Performing Underlying is less than its Downside Threshold Level, you will lose a significant
portion or all of your investment in the securities.</B></P>

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


<!-- Field: Page; Sequence: 11 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Selected Risk Considerations</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>This section describes the material risks relating to the securities.
For a complete list of risk factors, please see any accompanying product supplement, prospectus and prospectus supplement. Investors should
consult their financial and legal advisers as to the risks entailed by an investment in the securities and the appropriateness of the
securities in light of their particular circumstances.</I></P>

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

<P STYLE="color: #296DC1; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Risks Relating to the Securities Generally</I></P>

<P STYLE="color: #296DC1; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; font-weight: normal; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>The securities do not guarantee the return of any principal.</B></FONT>
<FONT STYLE="font-size: 10pt">T<FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal">he terms of the securities
differ from those of ordinary debt securities in that the securities do not guarantee the payment of regular interest or the return of
any of the principal amount at maturity. Instead, if the securities have not been automatically redeemed prior to maturity and the Final
Level of the Worst Performing Underlying is less than its Downside Threshold Level, you will be fully exposed to the decline in the Worst
Performing Underlying over the term of the securities, and you will receive for each security that you hold at maturity an amount of cash
that is significantly less than the Principal Amount, in proportion to the decline in the level of the Worst Performing Underlying from
its Initial Level to its Final Level. Under this scenario, the value of any such payment will be less than 75% of the Principal Amount
and could be zero. You may lose up to your entire initial investment in the securities. Any payment on the securities is subject to our
ability to pay our obligations as they become due.</FONT></FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; font-weight: normal; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>The securities are subject to the credit risk of Credit Suisse.</B> 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.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt; background-color: white"><B>The securities will not pay more than the Principal Amount plus Contingent
Coupons, if any</B>&mdash; The securities will not pay more than the Principal Amount plus Contingent Coupons, if any, regardless of the
performance of any Underlying. Even if the Final Level of each Underlying is greater than its respective Initial Level, you will not participate
in the appreciation of any Underlying. Therefore, the maximum amount payable with respect to the securities (excluding Contingent Coupons,
if any) is the Principal Amount. This payment will not be increased to include reimbursement for any discounts or commissions and hedging
and other transaction costs, even upon an Automatic Redemption.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; font-weight: normal; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Regardless of the amount of any payment you receive on
the securities, your actual yield may be different in real value terms. </B><FONT STYLE="font-weight: normal">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.</FONT></FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>The securities do not provide
for regular fixed interest payments.</B> <FONT STYLE="background-color: white">Unlike conventional debt securities, the securities do
not provide for regular fixed interest payments. Instead, the number of Contingent Coupons you receive over the term of the securities,
if any, will depend on the performance of the Underlyings during the term of the securities. This is because the closing levels of the
Underlyings will determine (i) the number of Coupon Barrier Events that occur and (ii) whether and when the securities are automatically
redeemed. No Contingent Coupon will be paid with respect to any Observation Date on which a Coupon Barrier Event occurs. Accordingly,
if a Coupon Barrier Event occurs on every Observation Date, you will not receive any Contingent Coupons during the term of the securities.</FONT></FONT></TD>
</TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">The number of Contingent Coupons you will
be paid, if any, could also be limited by the Automatic Redemption feature of the securities. If an Early <FONT STYLE="background-color: white">Redemption</FONT>
Event occurs, the securities will be automatically redeemed and you will receive a cash payment equal to the Principal Amount of the securities
you hold and the Contingent Coupon payable on the immediately following Contingent Coupon Payment Date. No further payments will be made
with respect to the securities following an Automatic Redemption. Therefore, if the securities are automatically redeemed, you will not
have the opportunity to receive further Contingent Coupons.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">In addition, if interest rates generally
increase over the term of the securities, it is more likely that the Contingent Coupon, if any, could be less than the yield one might
receive based on market rates at that time. This would have the further effect of decreasing the value of your securities both nominally
in terms of below-market coupons and in real value terms. Furthermore, it is possible that you will not receive some or all of the Contingent
Coupons over the term of the securities, and still lose your Principal <FONT STYLE="background-color: white">Amount</FONT>. Even if you
do receive some or all of your Principal Amount at maturity, you will not be compensated for the time value of money. These securities
are not short-term investments, so you should carefully consider these risks before investing.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">Because the number of <FONT STYLE="background-color: white">Contingent</FONT>
Coupons is variable and may be zero, the securities are not a suitable investment for investors who require regular fixed income payments.</P>

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


<!-- Field: Page; Sequence: 12 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>More favorable terms to you
are generally associated with an Underlying with greater expected volatility and therefore can indicate a greater risk of loss.</B> &ldquo;Volatility&rdquo;
refers to the frequency and magnitude of changes in the level of an Underlying. The greater the expected volatility with respect to an
Underlying on the Trade Date, the higher the expectation as of the Trade Date that the closing level of such Underlying could be less
than its (i) Coupon Barrier Level on any Observation Date or (ii) Downside Threshold Level on the Valuation Date, indicating a higher
expected risk of loss on the securities. This greater expected risk will generally be reflected in a higher Contingent Coupon than the
yield payable on our conventional debt securities with a similar maturity, or in more favorable terms (such as lower Coupon Barrier Levels
or Downside Threshold Levels) than for similar securities linked to the performance of an underlying with a lower expected volatility
as of the Trade Date. You should therefore understand that a relatively higher Contingent Coupon may indicate an increased risk of loss.
Further, relatively lower Coupon Barrier Levels or Downside Threshold Levels may not necessarily indicate that you will receive a Contingent
Coupon on any Contingent Coupon Payment Date or that the securities have a greater likelihood of a return of principal at maturity. The
volatility of any Underlying can change significantly over the term of the securities. The levels of the Underlyings for your securities
could fall sharply, which could result in a significant loss of principal. You should be willing to accept the downside market risk of
the Underlyings and the potential to lose a significant amount of your principal at maturity.</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; background-color: white"><B>The
securities are subject to a potential Automatic Redemption, which exposes you to reinvestment risk. </B><FONT STYLE="font-weight: normal">The
securities are subject to a potential </FONT></FONT><FONT STYLE="font-size: 10pt">Automatic <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-weight: normal; background-color: white">Redemption.
If the securities are automatically redeemed prior to the Maturity Date, you may be unable to invest in other securities with a similar
level of risk that provide you with the opportunity to be paid the same coupons as the securities.</FONT></FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt; background-color: white"><B>An
Automatic Redemption would eliminate your opportunity to be paid Contingent Coupons over the full term of the securities. </B>If an Early
Redemption Event occurs, the securities will be automatically redeemed and you will receive a cash payment equal to the Principal Amount
of the securities you hold and the Contingent Coupon payable on that Contingent Coupon Payment Date. No further payments will be made
with respect to the securities following an Automatic Redemption.</FONT></TD>
</TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in"><FONT STYLE="background-color: white">Further,
lower Early Redemption Levels relative to Coupon Barrier Levels will increase the likelihood of an Automatic Redemption and therefore
could limit your </FONT>opportunity <FONT STYLE="background-color: white">to be paid Contingent Coupons. Because the number of Contingent
Coupons you receive over the term of securities, if any, will depend on (i) the number of Coupon Barrier Events that occur and (ii) whether
and when an Early Redemption Event occurs, relatively lower Early Redemption Levels will narrow the range of possible closing levels of
the Underlyings at which you will receive the Contingent Coupon on any particular Contingent Coupon Payment Date and the securities will
remain outstanding until at least the next Contingent Coupon Payment Date. If the closing level of each Underlying on an Observation Date
scheduled to occur on or after <B>December 20, 2022</B> is greater than or equal to its respective Coupon Barrier Level, you will receive
the Contingent Coupon on the related Contingent Coupon Payment Date, but the securities will only remain outstanding in the event that
the closing level of each Underlying is also less than its respective Early Redemption Level. The lower the Early Redemption Levels are,
the less likely it is that the securities will remain outstanding.</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt; background-color: white"><B>Whether
a Contingent Coupon is paid on a Contingent Coupon Payment Date will depend on the closing levels of the Underlyings on the related Observation
Date. </B> Whether a Contingent Coupon will be paid on a Contingent Coupon Payment Date will depend on the closing levels of the Underlyings
on the immediately preceding Observation Date. As a result, you will not know whether you will </FONT><FONT STYLE="font-size: 10pt">receive
<FONT STYLE="background-color: white">a Contingent Coupon until shortly before the relevant Contingent Coupon Payment Date. Moreover,
if the closing level of an Underlying is less than its Coupon Barrier Level on an Observation Date, you will not receive the Contingent
Coupon with respect to such Observation Date, even if the closing level of such Underlying was higher than its Coupon Barrier Level on
other days during the relevant period.</FONT></FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt; background-color: white"><B>Investors
will not participate in any appreciation in the level of any of the Underlyings. </B>Investors will not participate in any appreciation
in the level of each Underlying from its Initial Level, and the return on the securities will be limited to the Contingent Coupons, if
any, that are paid with respect to each Observation Date on which the closing level of each Underlying is greater than or equal to its
respective Coupon Barrier Level until the securities are automatically redeemed or reach maturity. It is possible that the closing levels
of one or more Underlyings could be below their respective Coupon Barrier Levels on most or all of the Observation Dates so that you
will receive few or no Contingent Coupons. If you do not earn sufficient Contingent Coupons over the term of the securities, the overall
return on the securities may be less than the amount that would be paid on a conventional debt security of the issuer of comparable maturity.</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>The U.S. federal tax consequences
of an investment in the securities are unclear.</B> There is no direct legal authority regarding the proper U.S. federal tax treatment
of the securities, and we do not plan to request a ruling from the Internal Revenue Service (the &ldquo;IRS&rdquo;). Consequently, significant
aspects of the tax treatment of the securities are uncertain, and the IRS or a court might not agree with the treatment of the securities
as described in &ldquo;United States Federal Tax Considerations&rdquo; below. If the IRS were successful in asserting an alternative
treatment, the tax consequences of ownership and disposition of the securities, including the timing and character of income recognized
by U.S. investors and the withholding tax consequences to non-U.S. investors, might be materially and adversely affected. Moreover, future
legislation, Treasury regulations or IRS guidance could adversely affect the U.S. federal tax treatment of the securities, possibly retroactively.</FONT></TD>
</TR></TABLE>

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


<!-- Field: Page; Sequence: 13 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Risks Relating to the Underlyings</I></P>

<P STYLE="color: #296DC1; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>You will be exposed to the
performance of each Underlying and you will be subject to risks relating to the relationship between the Underlyings.</B> The securities
are linked to the <I>individual </I>performance of each Underlying. As such, the securities will perform poorly if only one of the Underlyings
performs poorly. Each additional Underlying to which the securities are linked increases the risk that the securities will perform poorly.
For example, if one Underlying appreciates from its Initial Level to its Final Level, but the Final Level of the Worst Performing Underlying
is less than its Downside Threshold Level, you will be exposed to the depreciation of the Worst Performing Underlying and you will not
benefit from the performance of any other Underlying. By investing in the securities, you assume the risk that (i) the closing level
of at least one of the Underlyings is less than its respective Coupon Barrier Level on at least one or more Observation Dates, regardless
of the performance of any other Underlying and (ii) the Final Level of at least one of the Underlyings will be less than its Downside
Threshold Level.</FONT></TD>
</TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in; text-indent: 0in">It is impossible to predict the relationship
between the Underlyings. If the performances of the Underlyings exhibit no relationship to each other, it is more likely that one of the
Underlyings will cause the securities to perform poorly. However, if the performances of the equity securities included in each Underlying
are related such that the performances of the Underlyings are correlated, then there is less likelihood that only one Underlying will
cause the securities to perform poorly. Furthermore, to the extent that each Underlying represents a different market segment or market
sector, the risk of one Underlying performing poorly is greater. As a result, you are not only taking market risk on each Underlying,
you are also taking a risk relating to the relationship among the Underlyings.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>The securities are linked to
the Russell 2000<SUP>&reg; </SUP>Index and are subject to the risks associated with small capitalization companies. </B>The Russell 2000<SUP>&reg;
</SUP>Index is composed of equity securities issued by companies with relatively small market capitalization. These equity securities
often have greater stock price volatility, lower trading volume and less liquidity than the equity securities of large-capitalization
companies, and are more vulnerable to adverse business and economic developments than those of large-capitalization companies. In addition,
small-capitalization companies are typically less established and less stable financially than large-capitalization companies. These
companies may depend on a small number of key personnel, making them more vulnerable to loss of personnel.&nbsp; Such companies tend
to have smaller revenues, less diverse product lines, smaller shares of their product or service markets, fewer financial resources and
less competitive strengths than large-capitalization companies and are more susceptible to adverse developments related to their products.
Therefore, the Russell 2000<SUP>&reg;</SUP> Index may be more volatile than it would be if it were composed of equity securities issued
by large-capitalization companies.</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>Foreign company risk. </B>Some
of the assets included in the Nasdaq-100 Index<SUP>&reg;</SUP> are issued by foreign companies. Foreign companies are generally subject
to accounting, auditing and financial reporting standards and requirements and securities trading rules different from those applicable
to U.S. reporting companies. Foreign companies may be subject to different political, market, economic, regulatory and other risks than
those applicable to domestic companies, including changes in foreign governments, economic and fiscal policies, currency exchange laws
or other laws or restrictions. Moreover, the economies of foreign countries may differ favorably or unfavorably from the economy of the
United States in such respects as growth of gross national product, rate of inflation, capital reinvestment, resources and self-sufficiency.
These factors may adversely affect the values of some of the equity securities included in the Nasdaq-100 Index<SUP>&reg;</SUP>, and
therefore the performance of the Nasdaq-100 Index<SUP>&reg;</SUP> and the value of the securities.</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>No ownership rights relating
to the Underlyings.</B> Your return on the securities will not reflect the return you would realize if you actually owned the equity
securities that comprise the Underlyings. The return on your investment is not the same as the total return you would receive based on
a purchase of the equity securities that comprise the Underlyings. For example, as a holder of the securities, you will not have voting
rights or rights to receive cash dividends or other distributions or other rights with respect to the equity securities that comprise
the Underlyings.</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>Adjustments to the Underlyings
could adversely affect the value of the securities. </B>The publisher of each Underlying may add, delete or substitute the component
stocks of such Underlying or make other methodological changes that could change the value of such Underlying. Any of these actions could
adversely affect the value of the securities. The publisher of each Underlying may also discontinue or suspend calculation or publication
of such Underlying at any time. In these circumstances, Credit Suisse International, as the calculation agent, will have the sole discretion
to substitute a successor underlying that is comparable to the discontinued Underlying. Credit Suisse International could have an economic
interest that is different than that of investors in the securities insofar as, for example, Credit Suisse International is permitted
to consider Underlyings that are calculated and published by Credit Suisse International or any of its affiliates. If Credit Suisse International
determines that there is no appropriate successor underlying on any Observation Date, the determination of whether a Contingent Coupon
will be payable on the securities on the applicable Contingent Coupon Payment Date, and/or the amount payable at maturity, if any, will
be based on the value of such Underlying, based on the closing prices of the stocks constituting such Underlying at the time of such
discontinuance, without rebalancing or substitution, computed by Credit Suisse International as calculation agent in accordance with
the formula for calculating such Underlying last in effect prior to such discontinuance, as compared to the respective Initial Level,
Coupon Barrier Level or Downside Threshold Level, as applicable (depending also on the performance of the other Underlyings).</FONT></TD>
</TR></TABLE>

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


<!-- Field: Page; Sequence: 14 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>Government regulatory action, including legislative acts and executive orders, could result in material
changes to the Underlyings and could negatively affect your return on the securities. </B> Government regulatory action, including legislative
acts and executive orders, could materially affect the Underlyings. For example, in response to recent executive orders, stocks of companies
that are determined to be linked to the People&rsquo;s Republic of China military, intelligence and security apparatus may be delisted
from a U.S. exchange, removed as a component in indices or exchange traded funds, or transactions in, or holdings of, securities with
exposure to such stocks may otherwise become prohibited under U.S. law. If government regulatory action results in such consequences,
there may be a material and negative effect on the securities.</FONT></TD></TR></TABLE>

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

<P STYLE="color: #296DC1; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Risks Relating to the Issuer</I></P>

<P STYLE="color: #296DC1; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>Credit Suisse is subject to
Swiss regulation. </B>As a Swiss bank, Credit Suisse is subject to regulation by governmental agencies, supervisory authorities and self-regulatory
organizations in Switzerland. Such regulation is increasingly more extensive and complex and subjects Credit Suisse to risks. For example,
pursuant to Swiss banking laws, the Swiss Financial Market Supervisory Authority (FINMA) may open resolution proceedings if there are
justified concerns that Credit Suisse is over-indebted, has serious liquidity problems or no longer fulfills capital adequacy requirements.
FINMA has broad powers and discretion in the case of resolution proceedings, which include the power to convert debt instruments and
other liabilities of Credit Suisse into equity and/or cancel such liabilities in whole or in part. If one or more of these measures were
imposed, such measures may adversely affect the terms and market value of the securities and/or the ability of Credit Suisse to make
payments thereunder and you may not receive any amounts owed to you under the securities.</FONT></TD>
</TR></TABLE>

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

<P STYLE="color: #296DC1; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Risks Relating to Conflicts of Interest</I></P>

<P STYLE="color: #296DC1; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; font-weight: normal; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Hedging and trading activity. </B><FONT STYLE="font-weight: normal">We,
any dealer or any of our or their respective affiliates may carry out hedging activities related to the securities, including in instruments
related to the Underlyings. We, any dealer or our or their respective affiliates may also trade instruments related to the Underlyings
from time to time. Any of these hedging or trading activities on or prior to the Trade Date and during the term of the securities could
adversely affect our payment to you at maturity.</FONT></FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>Potential conflicts. </B>We
and our affiliates play a variety of roles in connection with the issuance of the securities, including acting as calculation agent and
as agent of the issuer for the offering of the securities, hedging our 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. For instance, as calculation agent, Credit Suisse International will determine the Initial Level, the Coupon Barrier
Level, and the Downside Threshold Level and the Early Redemption Level for each Underlying, whether you receive a Contingent Coupon on
each Contingent Coupon Payment Date and the Redemption Amount, if any. Moreover, certain determinations made by Credit Suisse International,
in its capacity as calculation agent, may require it to exercise discretion and make subjective judgments, such as with respect to the
occurrence or non-occurrence of market disruption events and the selection of a successor underlying or calculation of the closing level
in the event of a market disruption event or discontinuance of an Underlying. These potentially subjective determinations may adversely
affect the payout to you at maturity, if any. In addition, hedging activities by us or our affiliates on or prior to the Trade Date could
potentially increase the Initial Levels of the Underlyings, and therefore, could increase the Coupon Barrier Levels, which are the respective
levels at or above which each Underlying must close in order for you to receive a Contingent Coupon, and the Downside Threshold Levels,
which are the respective levels at or above which each Underlying must close so that you are not exposed to the negative performance
of the Worst Performing Underlying on the Valuation Date. Further, hedging activities may adversely affect any payment on or the value
of the securities. Any profit in connection with such hedging activities will be in addition to any other compensation that we and our
affiliates receive for the sale of the securities, which creates an additional incentive to sell the securities to you.</FONT></TD>
</TR></TABLE>

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

<P STYLE="color: #296DC1; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><I>Risks Relating to the Estimated Value and Secondary
Market Prices of the Securities</I></P>

<P STYLE="color: #296DC1; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>Unpredictable economic and
market factors will affect the value of the securities.</B> The payout on the securities can be replicated using a combination of the
components described in &ldquo;The estimated value of the securities on the Trade Date may be less than the Price to Public.&rdquo; Therefore,
in addition to the levels of any Underlying, the terms of the securities at issuance and the value of the securities prior to maturity
may be influenced by factors that impact the value of fixed income securities and options in general, such as:</FONT></TD>
</TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">o&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the expected and
actual volatility of the Underlyings;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt"><FONT STYLE="background-color: white">o&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
expected and actual correlation, if any, between the Underlyings;</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">o&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the time to maturity
of the securities;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">o &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the dividend
rate on the equity securities included in the Underlyings;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">o&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;interest and yield
rates in the market generally;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">o&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;investors&rsquo;
expectations with respect to the rate of inflation;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt"></P>

<!-- Field: Page; Sequence: 15 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">o&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;geopolitical conditions
and economic, financial, political, regulatory, judicial or other events that affect the components included in the Underlyings or markets
generally and which may affect the levels of the Underlyings; and</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">o&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;our creditworthiness,
including actual or anticipated downgrades in our credit ratings.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 58.5pt">&nbsp;</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>The estimated value of the
securities on the Trade Date may be less than the Price to Public.</B> The initial estimated value of your securities on the Trade Date
(as determined by reference to our pricing models and our internal funding rate) may be significantly less than the original Price to
Public. The Price to Public of the securities includes any discounts or commissions as well as transaction costs such as expenses incurred
to create, document and market the securities and the cost of hedging our risks as issuer of the securities through one or more of our
affiliates (which includes a projected profit). The costs included in the original Price to Public of the securities will include a fee
paid to LFT Securities, LLC, an entity in which an affiliate of MSSB has an ownership interest, for providing certain electronic platform
services with respect to this offering. MSSB is acting as a dealer in connection with the distribution of the securities. 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).<BR>
<BR>
On the Trade Date, we value the components of the securities in accordance with our pricing models. These include a fixed income component
valued using our internal funding rate, and individual option components valued using proprietary pricing models dependent on inputs
such as volatility, correlation, dividend rates, interest rates and other factors, including assumptions about future market events and/or
environments. These inputs may be market-observable or may be based on assumptions made by us in our discretionary judgment. As such,
the payout on the securities can be replicated using a combination of these components and the value of these components, as determined
by us using our pricing models, will impact the terms of the securities at issuance. Our option valuation models are proprietary. Our
pricing models take into account factors such as interest rates, volatility and time to maturity of the securities, and they rely in
part on certain assumptions about future events, which may prove to be incorrect.</FONT></TD>
</TR></TABLE>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt; background-color: white"><B>Effect of interest rate in structuring the securities. </B>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;).&nbsp;
If on the Trade Date our internal funding rate is lower than our secondary market credit spreads, we expect that the economic terms of
the securities will generally be less favorable to you than they would have been if our secondary market credit spread had been used in
structuring the securities. We will also use our internal funding rate to determine the price of the securities if we post a bid to repurchase
your securities in secondary market transactions. See &ldquo;&mdash;Secondary Market Prices&rdquo; below.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>Secondary market prices.</B>
If Credit Suisse (or an affiliate) bids for your securities in secondary market transactions, which we are not obligated to do, the secondary
market price (and the value used for account statements or otherwise) may be higher or lower than the Price to Public and the estimated
value of the securities on the Trade Date. The estimated value of the securities on the cover of this pricing supplement does not represent
a minimum price at which we would be willing to buy the securities in the secondary market (if any exists) at any time. The secondary
market price of your securities at any time cannot be predicted and will reflect the then-current estimated value determined by reference
to our pricing models, the related inputs and other factors, including our internal funding rate, customary bid and ask spreads and other
transaction costs, changes in market conditions and deterioration or improvement in our creditworthiness. In circumstances where our
internal funding rate is higher than our secondary market credit spreads, our secondary market bid for your securities could be less
favorable than what other dealers might bid because, assuming all else equal, we use the higher internal funding rate to price the securities
and other dealers might use the lower secondary market credit spread to price them. Furthermore, assuming no change in market conditions
from the Trade Date, the secondary market price of your securities will be lower than the Price to Public because it will not include
any discounts or commissions and hedging and other transaction costs. If you sell your securities to a dealer in a secondary market transaction,
the dealer may impose an additional discount or commission, and as a result the price you receive on your securities may be lower than
the price at which we may repurchase the securities from such dealer.</FONT></TD>
</TR></TABLE>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">We (or an affiliate) may initially post a bid to repurchase
the securities from you at a price that will exceed the then-current estimated value of the securities. That higher price reflects our
projected profit and costs, which may include discounts and commissions that were included in the Price to Public, and that higher price
may also be initially used for account statements or</P>

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


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.25in">otherwise. We (or our affiliate) may offer to pay this higher
price, for your benefit, but the amount of any excess over the then-current estimated value will be temporary and is expected to decline
over a period of approximately three months.</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings; font-size: 12pt; color: #A3C4EB">&sect;</FONT></TD><TD><FONT STYLE="font-size: 10pt"><B>Lack of liquidity.</B>&nbsp;The
securities will not be listed on any securities exchange. Credit Suisse (or its affiliates) intends to offer to purchase the securities
in the secondary market but is not required to do so. Even if there is a secondary market, it may not provide enough liquidity to allow
you to trade or sell the securities when you wish to do so. Because other dealers are not likely to make a secondary market for the securities,
the price at which you may be able to trade your securities is likely to depend on the price, if any, at which Credit Suisse (or its
affiliates) is willing to buy the securities. If you have to sell your securities prior to maturity, you may not be able to do so or
you may have to sell them at a substantial loss.</FONT></TD>
</TR></TABLE>

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Supplemental Use of Proceeds and Hedging</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">&nbsp;</P>

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

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


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">S&amp;P 500<SUP>&reg;</SUP> Index Historical Performance</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">The following graph sets forth the
daily closing levels of the S&amp;P 500<SUP>&reg;</SUP> Index for the period from January 3, 2017 through September 15, 2022. The related
table sets forth the published high and low closing levels, as well as end-of-quarter closing levels, of the S&amp;P 500<SUP>&reg;</SUP>
Index for each quarter in the same period. The closing level on September 15, 2022 was 3,901.35. We obtained the information in the table
below from Bloomberg Financial Markets, without independent verification. The closing levels reported by Bloomberg may not be the same
as the closing levels derived from the applicable Reuters page. The historical values of the S&amp;P 500<SUP>&reg;</SUP> Index should
not be taken as an indication of future performance, and no assurance can be given as to the level of the S&amp;P 500<SUP>&reg;</SUP>
Index on any Observation Date.</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="width: 100%">
    <P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #296DC1">S&amp;P 500<SUP>&reg;
</SUP>Index Daily Closing Levels&nbsp;</P>
    <P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #296DC1">January 3, 2017 to September
15, 2022</P></TD></TR>
  <TR>
    <TD STYLE="padding-left: 0.05in; text-align: center; text-indent: -0.05in; font-size: 10pt"><IMG SRC="image_002.jpg" ALT="" STYLE="height: 282px; width: 425px"></TD></TR>
  <TR>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">* The solid red line in the graph indicates the hypothetical Coupon
    Barrier Level and the hypothetical Downside Threshold Level, assuming the closing level on September 15, 2022 was the Initial Level.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

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


<!-- Field: Page; Sequence: 19 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->19<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #296DC1">
    <TD STYLE="width: 46%; border: white 1pt solid; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white">S&amp;P 500<SUP>&reg;</SUP> Index</FONT></TD>
    <TD STYLE="width: 18%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">High</FONT></TD>
    <TD STYLE="width: 18%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Low</FONT></TD>
    <TD STYLE="width: 18%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Period End</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2017</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,395.96</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,257.83</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,362.72</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,453.46</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,328.95</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,423.41</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,519.36</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,409.75</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,519.36</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,690.16</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,529.12</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,673.61</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2018</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,872.87</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,581.00</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,640.87</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,786.85</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,581.88</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,718.37</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,930.75</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,713.22</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,913.98</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,925.51</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,351.10</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,506.85</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2019</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,854.88</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,447.89</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,834.40</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,954.18</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,744.45</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,941.76</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,025.86</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,840.60</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,976.74</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,240.02</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,887.61</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,230.78</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2020</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,386.15</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,237.40</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,584.59</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,232.39</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">2,470.50</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,100.29</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,580.84</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,115.86</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,363.00</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,756.07</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,269.96</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,756.07</FONT></TD></TR>
  <TR STYLE="background-color: #DEEAF6">
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2021</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter </TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,974.54</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,700.65</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">3,972.89</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,297.50</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,019.87</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,297.50</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,536.95</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,258.49</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,307.54</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,793.06</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,300.46</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,766.18</FONT></TD></TR>
  <TR STYLE="background-color: #DEEAF6">
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2022</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">4,796.56 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">4,170.70 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">4,530.41 </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">4,582.64 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">3,666.77 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">3,785.38 </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter (through September 15, 2022)</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">4,305.20 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">3,790.38 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">3,901.35 </TD></TR>
  </TABLE>
<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


<!-- Field: Page; Sequence: 20 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->20<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Russell 2000<SUP>&reg;</SUP> Index Historical Performance</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">The following graph sets forth the daily closing levels of the Russell
2000<SUP>&reg;</SUP> Index for the period from January 3, 2017 through September 15, 2022. The related table sets forth the published
high and low closing levels, as well as end-of-quarter closing levels, of the Russell 2000<SUP>&reg;</SUP> Index for each quarter in the
same period. The closing level on September 15, 2022 was 1,825.234. We obtained the information in the table below from Bloomberg Financial
Markets, without independent verification. The closing levels reported by Bloomberg may not be the same as the closing levels derived
from the applicable Reuters page<B>. </B>The historical values of the Russell 2000<SUP>&reg;</SUP> Index should not be taken as an indication
of future performance, and no assurance can be given as to the level of the Russell 2000<SUP>&reg;</SUP> Index on any Observation Date.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="width: 100%">
    <P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #296DC1">Russell 2000<SUP>&reg;
</SUP>Index Daily Closing Levels&nbsp;</P>
    <P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #296DC1">January 3, 2017 to September
15, 2022</P></TD></TR>
  <TR>
    <TD STYLE="padding-left: 0.05in; text-align: center; text-indent: -0.05in; font-size: 10pt"><IMG SRC="image_003.jpg" ALT="" STYLE="height: 282px; width: 434px"></TD></TR>
  <TR>
    <TD>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">* The solid red line in the graph indicates the hypothetical Coupon
    Barrier Level and the hypothetical Downside Threshold Level, assuming the closing level on September 15, 2022 was the Initial Level.</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->21<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #296DC1">
    <TD STYLE="width: 46%; border: white 1pt solid; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white">Russell 2000<SUP>&reg;</SUP> Index</FONT></TD>
    <TD STYLE="width: 18%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">High</FONT></TD>
    <TD STYLE="width: 18%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Low</FONT></TD>
    <TD STYLE="width: 18%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Period End</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2017</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,413.635</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,345.598</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,385.920</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,425.985</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,345.244</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,415.359</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,490.861</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,356.905</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,490.861</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,548.926</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,464.095</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,535.511</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2018</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,610.706</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,463.793</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,529.427</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,706.985</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,492.531</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">1,643.069</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,740.753</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,653.132</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,696.571</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,672.992</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,266.925</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,348.559</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2019</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,590.062</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,330.831</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,539.739</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,614.976</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,465.487</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,566.572</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,585.599</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,456.039</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,523.373</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,678.010</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,472.598</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,668.469</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2020</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,705.215</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">991.160</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,153.103</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,536.895</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,052.053</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,441.365</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,592.287</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,398.920</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,507.692</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">2,007.104</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,531.202</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,974.855</FONT></TD></TR>
  <TR STYLE="background-color: #DEEAF6">
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2021</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter </TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">2,360.168</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">1,945.914</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">2,220.519</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">2,343.758</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">2,135.139</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">2,310.549</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">2,329.359</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">2,130.680</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">2,204.372</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">2,442.742</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">2,139.875</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: black">2,245.313</FONT></TD></TR>
  <TR STYLE="background-color: #DEEAF6">
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2022</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">2,272.557 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">1,931.288 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">2,070.125 </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">2,095.440 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">1,649.836 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">1,707.990 </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter (through September 15, 2022)</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">2,021.346 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">1,707.505 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">1,825.234 </TD></TR>
  </TABLE>
<P STYLE="color: #296DC1; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="color: #296DC1; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->22<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Nasdaq-100 Index<SUP>&reg;</SUP> Historical Performance</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="font-weight: normal">The following graph sets forth the
daily closing levels of the Nasdaq-100 Index<SUP>&reg;</SUP> for the period from January 3, 2017 through September 15, 2022. The related
table sets forth the published high and low closing levels, as well as end-of-quarter closing levels, of the Nasdaq-100 Index<SUP>&reg;</SUP>
for each quarter in the same period. The closing level on September 15, 2022 was 11,927.49. We obtained the information in the table below
from Bloomberg Financial Markets, without independent verification. The closing levels reported by Bloomberg may not be the same as the
closing levels derived from the applicable Reuters page. The historical values of the Nasdaq-100 Index<SUP>&reg;</SUP> should not be taken
as an indication of future performance, and no assurance can be given as to the level of the Nasdaq-100 Index<SUP>&reg;</SUP> on any Observation
Date.</FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #DCEBF4">
    <TD STYLE="width: 100%">
    <P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #296DC1">Nasdaq-100 Index<SUP>&reg;
</SUP>Daily Closing Levels&nbsp;</P>
    <P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center; color: #296DC1">January 3, 2017 to September
15, 2022&nbsp;</P></TD></TR>
  <TR>
    <TD STYLE="padding-left: 0.05in; text-align: center; text-indent: -0.05in; font-size: 10pt"><IMG SRC="image_003.gif" ALT="" STYLE="height: 282px; width: 416px"></TD></TR>
  <TR>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">* The solid red line in the graph indicates the hypothetical Coupon Barrier Level and the hypothetical Downside Threshold Level, assuming the closing level on September 15, 2022 was the Initial Level.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: #296DC1">
    <TD STYLE="width: 46%; border: white 1pt solid; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: white">Nasdaq-100 Index<SUP>&reg;</SUP></FONT></TD>
    <TD STYLE="width: 18%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">High</FONT></TD>
    <TD STYLE="width: 18%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Low</FONT></TD>
    <TD STYLE="width: 18%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; text-align: center; font-size: 10pt; font-weight: bold"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Period End</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2017</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; font-size: 10pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,439.74</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">4,911.33</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,436.23</FONT></TD></TR>
  <TR>
    <TD STYLE="font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,885.30</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,353.59</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,646.92</FONT></TD></TR>
  <TR>
    <TD STYLE="font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6,004.38</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,596.96</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,979.30</FONT></TD></TR>
  <TR>
    <TD STYLE="font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6,513.27</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,981.92</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6,396.42</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2018</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,131.12</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6,306.10</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6,581.13</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,280.71</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6,390.84</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,040.80</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,660.18</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,014.55</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,627.65</FONT></TD></TR>
  <TR STYLE="background-color: white">
    <TD STYLE="vertical-align: top; font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,645.45</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">5,899.35</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6,329.96</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2019</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,493.27</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6,147.13</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,378.77</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,845.73</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6,978.02</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,671.08</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8,016.95</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,415.69</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,749.45</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8,778.31</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,550.79</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">8,733.07</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2020</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">9,718.73</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">6,994.29</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,813.50</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10,209.82</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">7,486.29</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10,156.85</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12,420.54</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">10,279.25</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">11,418.06</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12,888.28</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">11,052.95</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12,888.28</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2021</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter </TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13,807.70</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">12,299.08</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13,091.44</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14,572.75</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13,001.63</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14,554.80</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">15,675.76</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14,549.09</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14,689.62</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Fourth Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16,573.34</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">14,472.12</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">16,320.08</FONT></TD></TR>
  <TR STYLE="background-color: #DCEBF4">
    <TD STYLE="vertical-align: top; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: #296DC1"><B>2022</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">First Quarter</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">16,501.77 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">13,046.64 </FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">14,838.49 </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Second Quarter </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">15,159.58 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">11,127.57 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">11,503.72 </TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; font-size: 10pt">Third Quarter (through September 15, 2022)</TD>
    <TD STYLE="vertical-align: bottom; text-align: center">13,667.18 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">11,585.68 </TD>
    <TD STYLE="vertical-align: bottom; text-align: center">11,927.49 </TD></TR>
  </TABLE>
<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><FONT STYLE="background-color: white">United States
Federal Tax Considerations </FONT></P>

<P STYLE="color: #296DC1; font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in">&nbsp;</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Moreover, as discussed under &ldquo;United States Federal Tax Considerations&mdash;Tax
Consequences to Non-U.S. Holders&mdash;Dividend Equivalents under Section 871(m) of the Code&rdquo; in the accompanying product supplement,
Section 871(m) of the Internal Revenue Code generally imposes a 30% withholding tax on &ldquo;dividend equivalents&rdquo; paid or deemed
paid to Non-U.S. Holders with respect to certain financial instruments linked to U.S. equities or indices that include U.S. equities.
Treasury regulations under Section 871(m), as modified by an IRS notice, exclude from their scope financial instruments issued prior to
January 1, 2025 that do not have a &ldquo;delta&rdquo; of one with respect to any U.S. equity. Based on the terms of the securities and
representations provided by us as of the date of this preliminary pricing supplement, our counsel is of the opinion that the securities
should not be treated as transactions that have a &ldquo;delta&rdquo; of one within the meaning of the regulations with respect to any
U.S. equity and, therefore, should not be subject to withholding tax under Section 871(m). However, the final determination regarding
the treatment of the securities under Section 871(m) will be made as of the 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 Arial, Helvetica, Sans-Serif; margin: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">We will not be required to pay any additional amounts with respect to
U.S. federal withholding taxes.</P>

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>You should read the section entitled &ldquo;United States Federal
Tax Considerations&rdquo; in the accompanying product supplement. The preceding discussion, when read in combination with that section,
constitutes the full opinion of Davis Polk &amp; Wardwell LLP regarding the material U.S. federal tax consequences of owning and disposing
of the securities.</B></P>

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

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

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


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin: 0pt"><IMG SRC="image_001.jpg" ALT="">&nbsp;</P><DIV STYLE="margin-right: -2.15pt; margin-left: 0in; padding: 4pt 0in 0in; border-top: #296DC1 0.5pt solid"> <P STYLE="color: #296DC1; font: 12pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Auto-Callable Contingent Income Securities due September 25, 2024<BR> <FONT STYLE="font-size: 10pt; color: gray"><B>All Payments on the Securities Subject to the Coupon Barrier and Downside Threshold Features </B></FONT></P><P STYLE="color: gray; font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><B>Based on the Performance of the Worst Performing of Three Underlyings<BR> </B><FONT STYLE="font-size: 9pt">Principal at Risk Securities</FONT></P></DIV><!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: #296DC1 0.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page --></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">Supplemental Plan of Distribution (Conflicts of Interest)</P>

<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; color: #296DC1">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">Under the terms and subject to the conditions contained in a distribution
agreement dated May 7, 2007, as amended, which we refer to as the distribution agreement, we have agreed to sell the securities to CSSU.
The distribution agreement provides that CSSU is obligated to purchase all of the securities if any are purchased.</P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0">CSSU may offer the securities at the offering price set forth on the
cover page of this pricing supplement and may receive varying underwriting discounts and commissions of up to $20 per $1,000 principal
amount of securities. MSSB and its financial advisors will collectively receive from CSSU varying discounts and commissions of up to $20
for each security they sell, of which $5 per $1,000 principal amount of securities reflects a structuring fee. CSSU may re-allow some
or all of the discount on the principal amount per security on sales of such securities by other brokers or dealers. If all of the securities
are not sold at the initial offering price, CSSU may change the public offering price and other selling terms.</P>

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

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

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

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

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

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

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

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

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


<!-- Field: Page; Sequence: 27; Options: Last -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="width: 49%; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">September 2022</FONT></TD><TD STYLE="width: 51%; text-align: right; font-size: 12pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: #296DC1">Page <!-- Field: Sequence; Type: Arabic; Name: PageNo -->27<!-- Field: /Sequence --></FONT></TD></TR></TABLE></DIV>
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<P STYLE="font: 14pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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

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

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

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

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

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