<SEC-DOCUMENT>0001213900-23-013098.txt : 20230221
<SEC-HEADER>0001213900-23-013098.hdr.sgml : 20230221
<ACCEPTANCE-DATETIME>20230221094637
ACCESSION NUMBER:		0001213900-23-013098
CONFORMED SUBMISSION TYPE:	424B3
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20230221
DATE AS OF CHANGE:		20230221

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:		424B3
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-238458-02
		FILM NUMBER:		23645690

	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>424B3
<SEQUENCE>1
<FILENAME>ea149872_424b3.htm
<DESCRIPTION>424B3
<TEXT>
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<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Arial, Helvetica, Sans-Serif">
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    <P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; color: #004C97"><IMG SRC="image_001.jpg" ALT="" STYLE="width: 231px; height: 51px"></P>
    <P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 3pt 0pt 0pt; color: #004C97"><B>Credit Suisse AG</B></P>
    <P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; color: #004C97"><B>Medium Term Notes</B></P></TD>
    <TD STYLE="width: 50%">
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>Registration No. 333-238458-02</B></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>Filed pursuant to Rule 424(b)(3)</B></P>
    <P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>Dated February 21, 2023 </B></P></TD></TR>
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<P STYLE="font: bold 12pt Arial, Helvetica, Sans-Serif; color: #004C97; margin: 9pt 0pt 3pt">Credit Suisse US Balanced 5% ER Index</P>

<P STYLE="color: #004C97; font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt">Underlying Performance Supplement to the Underlying
Supplement Dated June 18, 2020, Prospectus Supplement and Prospectus Dated June 18, 2020</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 9pt 0pt 0pt; color: #004C97"></P>
<div style="float: left; width: 38%">
<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: rgb(0,76,151) 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0pt; color: #004C97">Index Description</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.15in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD><FONT STYLE="font-size: 9pt">The Index&rsquo;s portfolio is exposed to up to three &ldquo;Component Indices&rdquo;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.15in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD><FONT STYLE="font-size: 9pt">The Index&rsquo;s portfolio includes equity exposure consisting of the Credit Suisse US Equity Futures
Index (the &ldquo;Equity Index&rdquo;), and, in certain circumstances, (i) fixed income exposure consisting of the Credit Suisse 10-Year
U.S. Treasury Note Futures Index (the &ldquo;10Y Fixed Income Index&rdquo;) and the Credit Suisse 2-Year U.S. Treasury Note Futures Index
(the &ldquo;2Y Fixed Income Index,&rdquo; and together with the 10Y Fixed Income Index, the &ldquo;Fixed Income Indices&rdquo;) and (ii)
non-remunerating cash</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.15in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD><FONT STYLE="font-size: 9pt">Designed to provide exposure to a hypothetical &ldquo;balanced&rdquo; portfolio (consisting of the Equity
Index and a momentum strategy-driven allocation to the Fixed Income Indices), while targeting a realized daily volatility of 5%</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.15in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD><FONT STYLE="font-size: 9pt">Allocation amongst the Equity Index and the Fixed Income Indices is based on: (1) historical realized
volatility of the Equity Index and (2) performance of the 10Y Fixed Income Index, as measured by a &ldquo;Risk Signal&rdquo;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.15in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD><FONT STYLE="font-size: 9pt">Index seeks to achieve a realized volatility target of 5% by varying its notional exposure to the portfolio
of the Equity Index and, if applicable, the 10Y Fixed Income Index and the 2Y Fixed Income Index</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.15in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD><FONT STYLE="font-size: 9pt">Maximum notional exposure to the portfolio of 125% </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.15in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD><FONT STYLE="font-size: 9pt">Equity Index tracks the performance of notional long investments in E-mini S&amp;P 500 futures contracts</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.15in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD><FONT STYLE="font-size: 9pt">10Y Fixed Income Index tracks the performance of notional long investment in ten-year U.S. Treasury note
futures contracts</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.15in; text-align: left"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">2Y Fixed Income Index tracks
the performance of notional long investment in two-year U.S. Treasury note futures contracts</FONT></TD>
</TR></TABLE>

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<div style="float: right; width: 60%">


<P STYLE="color: #004C97; font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 0"></P>

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<P STYLE="font: bold 11pt Arial, Helvetica, Sans-Serif; color: #004C97; margin: 0">Index Profile</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 8pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 33%; border-top: #004C97 1pt solid; border-bottom: #8D8E8E 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; layout-grid-mode: line"><FONT STYLE="font-size: 9pt">Name</FONT></TD>
    <TD STYLE="width: 67%; border-top: #004C97 1pt solid; border-bottom: #8D8E8E 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; layout-grid-mode: line"><FONT STYLE="font-size: 9pt">Credit Suisse US Balanced 5% ER Index (the &ldquo;Index&rdquo;)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #8D8E8E 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; layout-grid-mode: line"><FONT STYLE="font-size: 9pt">Ticker </FONT></TD>
    <TD STYLE="border-bottom: #8D8E8E 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; layout-grid-mode: line"><FONT STYLE="font-size: 9pt">CSEAUSB5</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #8D8E8E 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; layout-grid-mode: line"><FONT STYLE="font-size: 9pt">Launch Date&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: #8D8E8E 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; layout-grid-mode: line"><FONT STYLE="font-size: 9pt">June 29, 2018</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #8D8E8E 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; layout-grid-mode: line"><FONT STYLE="font-size: 9pt">Rebalancing</FONT></TD>
    <TD STYLE="border-bottom: #8D8E8E 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; layout-grid-mode: line"><FONT STYLE="font-size: 9pt">Daily</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #8D8E8E 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; layout-grid-mode: line"><FONT STYLE="font-size: 9pt">Realized Volatility Target </FONT></TD>
    <TD STYLE="border-bottom: #8D8E8E 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; layout-grid-mode: line"><FONT STYLE="font-size: 9pt">5% Daily</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #8D8E8E 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; layout-grid-mode: line"><FONT STYLE="font-size: 9pt">Maximum Notional Exposure to Portfolio</FONT></TD>
    <TD STYLE="border-bottom: #8D8E8E 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; layout-grid-mode: line"><FONT STYLE="font-size: 9pt">125%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-bottom: #8D8E8E 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; layout-grid-mode: line"><FONT STYLE="font-size: 9pt">Index Fee</FONT></TD>
    <TD STYLE="border-bottom: #8D8E8E 1pt solid; padding-right: 2.9pt; padding-left: 2.9pt; layout-grid-mode: line"><FONT STYLE="font-size: 9pt">0.50% per annum</FONT></TD></TR>
  </TABLE>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5.05pt"></TD><TD STYLE="width: 7.9pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><FONT STYLE="font-size: 9pt"><B>The Index Does Not Attempt to Achieve a Broad or &ldquo;Balanced&rdquo; Asset Class Diversification.
</B>&ldquo;Balanced&rdquo; is not meant to imply broad or balanced diversification across asset classes leading to risk mitigation. The
Index does not attempt to achieve a broad asset class diversification, and in some instances may have only equity exposure.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><FONT STYLE="font-size: 9pt"><B>The Index Has Limited History and May Perform in Unexpected Ways. </B>The Index was launched on June
29, 2018. Because the Index is of recent origin with limited performance history, an investment linked to the Index may involve a greater
risk than an investment linked to one or more indices with an established record of performance.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><FONT STYLE="font-size: 9pt"><B>An index fee of 0.50% per annum is deducted in the calculation of the Index.</B> The index fee will
place a drag on the performance of the Index, offsetting any appreciation of its portfolio, exacerbating any depreciation of its portfolio
and causing the level of the Index to decline steadily if the value of its portfolio remains relatively constant. The Index will not participate
in any appreciation of its portfolio unless it is sufficiently great to offset the negative effects of the index fee, and then only to
the extent that the favorable performance of its portfolio is greater than the index fee (and subject to the volatility-targeting feature).
As a result of this deduction, the level of the Index may decline even if its portfolio appreciates.</FONT></TD></TR></TABLE>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0.15in 0 5pt; text-indent: 0in"><B>Please refer to the &ldquo;Selected Risk
Considerations&rdquo; section beginning on page 6 of this underlying performance supplement, the &ldquo;Selected Risk Considerations&rdquo;
section in the underlying supplement, the &ldquo;Risk Factors&rdquo; section in the accompanying product supplement and the &ldquo;Selected
Risk Considerations&rdquo; section in the applicable pricing supplement for risks related to an investment in the securities, as applicable.</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0.15in 0 5.05pt; text-indent: 0in">The securities will not be listed on any
exchange.</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0.15in 0 5.05pt; text-indent: 0in"><FONT STYLE="font-style: normal; font-weight: normal">Neither the Securities
and Exchange Commission nor any state securities commission has approved or disapproved of the securities or determined if this underlying
performance supplement or any other offering document to which it relates is truthful or complete. Any representation to the contrary
is a criminal offense.</FONT></P>
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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; color: #004C97">Additional Information</P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0">The specific terms of each security offered will be described in the applicable
pricing supplement and product supplement. If the terms described in the applicable pricing supplement are different or inconsistent with
those described herein (or with those described in the underlying supplement, the prospectus, the prospectus supplement, any applicable
product supplement or any applicable free writing prospectus), the terms described in the applicable pricing supplement will control.
You should read this underlying performance supplement together with the underlying supplement dated June 18, 2020 and the prospectus
supplement and prospectus dated June 18, 2020, which you may access on the SEC website at www.sec.gov (or if such address has changed,
by reviewing our filings for the relevant date on the SEC website).</P>

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

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

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt"><A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000089109220007728/e10139-424b2.htm">https://www.sec.gov/Archives/edgar/data/1053092/000089109220007728/e10139-424b2.htm</A></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">Prospectus Supplement and Prospectus dated June 18, 2020:<BR>
<A HREF="https://www.sec.gov/Archives/edgar/data/1053092/000110465920074474/tm2019510-8_424b2.htm">https://www.sec.gov/Archives/edgar/data/1053092/000110465920074474/tm2019510-8_424b2.htm</A></P>


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<P STYLE="color: #004C97; font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 3pt">The Securities</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt">We are responsible for the information contained and incorporated
by reference in this underlying performance supplement. As of the date of this underlying performance supplement, we have not authorized
anyone to provide you with different information, and we take no responsibility for any other information others may give you. We are
not making an offer of any securities in any state where the offer is not permitted. You should not assume that the information in this
document or other offering documents is accurate as of any date other than the date on the front of this document.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt">We are offering securities for sale in those jurisdictions in the
United States where it is lawful to make such offers. The distribution of the offering documents and the offering of securities in some
jurisdictions may be restricted by law. If you possess the offering documents, you should find out about and observe these restrictions.
The offering documents are not an offer to sell the securities and are not soliciting an offer to buy the securities in any jurisdiction
where the offer or sale is not permitted or where the person making the offer or sale is not qualified to do so or to any person to whom
such offer or sale is not permitted. We refer you to the &ldquo;Underwriting (Conflicts of Interest)&rdquo; section of the applicable
product supplement and the &ldquo;Supplemental Plan of Distribution (Conflicts of Interest)&rdquo; section of the applicable pricing supplement
for additional information.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 6pt">In the offering documents, unless otherwise specified or the context
otherwise requires, references to &ldquo;we,&rdquo; &ldquo;us&rdquo; and &ldquo;our&rdquo; are to Credit Suisse and its consolidated subsidiaries,
and references to &ldquo;dollars&rdquo; and &ldquo;$&rdquo; are to U.S. dollars.</P>

<P STYLE="color: #004C97; font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 3pt">Component Indices</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="white-space: nowrap; padding-right: 3pt; width: 3%; border-top: #004C97 1pt solid; border-bottom: #004C97 1pt solid; text-align: center; color: #003868; layout-grid-mode: line; font-weight: bold; padding-left: 3pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 3pt; width: 15%; border-top: #004C97 1pt solid; border-bottom: #004C97 1pt solid; text-align: center; color: #003868; layout-grid-mode: line; font-weight: bold; padding-left: 3pt"><FONT STYLE="font-size: 10pt">Asset Class</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 3pt; width: 35%; border-top: #004C97 1pt solid; border-bottom: #004C97 1pt solid; text-align: center; color: #003868; layout-grid-mode: line; font-weight: bold; padding-left: 3pt"><FONT STYLE="font-size: 10pt">Component Index</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 3pt; width: 10%; border-top: #004C97 1pt solid; border-bottom: #004C97 1pt solid; text-align: center; color: #003868; layout-grid-mode: line; font-weight: bold; padding-left: 3pt"><FONT STYLE="font-size: 10pt">Ticker</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 3pt; width: 11%; border-top: #004C97 1pt solid; border-bottom: #004C97 1pt solid; text-align: center; color: #003868; layout-grid-mode: line; font-weight: bold; padding-left: 3pt"><FONT STYLE="font-size: 10pt">Currency</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 3pt; width: 13%; border-top: #004C97 1pt solid; border-bottom: #004C97 1pt solid; text-align: center; color: #003868; layout-grid-mode: line; font-weight: bold; padding-left: 3pt"><FONT STYLE="font-size: 10pt">Average <BR>
Allocation*</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 3pt; width: 13%; border-top: #004C97 1pt solid; border-bottom: #004C97 1pt solid; text-align: center; color: #003868; layout-grid-mode: line; font-weight: bold; padding-left: 3pt"><FONT STYLE="font-size: 10pt">Past Month<BR>
Average<BR>
Allocation*</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">1</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">Equities Futures</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line"><FONT STYLE="font-size: 10pt">Credit Suisse US Equity Futures Index</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">CSRFESUE</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">USD</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">34%</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">17%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">2</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">Bond Futures</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line"><FONT STYLE="font-size: 10pt">Credit Suisse 10-Year U.S. Treasury Note Futures Index</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">CSRFTYUE</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">USD</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">51%</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">25%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">3</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">Bond Futures</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line"><FONT STYLE="font-size: 10pt">Credit Suisse 2-Year U.S. Treasury Note Futures Index</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">CSRFTUUE</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">USD</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">7%</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">25%</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">4</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">Non-remunerating Cash</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line"><FONT STYLE="font-size: 10pt">N/A</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">N/A</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">USD</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">11%</FONT></TD>
    <TD STYLE="padding: 3pt; border-bottom: #8D8E8E 1pt solid; layout-grid-mode: line; text-align: center"><FONT STYLE="font-size: 10pt">34%</FONT></TD></TR>
  </TABLE>
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<TD STYLE="width: 0"></TD><TD STYLE="width: 9.35pt">*</TD><TD>The Average Allocation shown above reflects average daily exposure of the Index from March 20, 1998 to January 31, 2023. Past performance
of the Index is no guide to future performance. The Average Allocation is based on both back-tested and actual historical Index performance
information. For more information on the limitations of back-tested Index performance information, see &ldquo;Limitations of Back-Tested
Index Performance Information&rdquo; below. Due to rounding, the numbers in the above table may not sum to 100%. The Average Allocation
over the actual historical period from June 29, 2018 to January 31, 2023 was, respectively: 30%, 47%, 13%, and 12%. The Past Month Average
Allocation is based on the actual allocation from December 30, 2022 to January 31, 2023.</TD></TR></TABLE>

<P STYLE="color: #004C97; font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 3pt">Limitations of Back-Tested Index Performance
Information</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt">It is important to understand that back-tested index performance information
is subject to significant limitations, in addition to the fact that past performance is never a guarantee of future performance. In particular:</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.1in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD>Credit Suisse International, the &ldquo;Index Sponsor,&rdquo; developed the rules of the Index with the benefit of hindsight&mdash;that
is, with the benefit of being able to evaluate how the index rules would have caused the Index to perform had it existed during the back-tested
period. The fact that the Index generally appreciated over a given back-tested period may not therefore be an accurate or reliable indication
of any fundamental aspect of the Index methodology.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.1in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD>The back-tested performance of the Index might look different if it covered a different historical period. The market conditions that
existed during the historical period covered by the back-tested Index performance information are not necessarily representative of the
market conditions that will exist in the future.</TD></TR></TABLE>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.1in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD>Because the Component Indices were not published during the entire period for which the Index Sponsor has prepared back-tested Index
performance information, the back-tested Index levels have been calculated by the Index Sponsor based in part on back-tested levels of
the Component Indices that were prepared by their respective sponsor.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt">It is impossible to predict whether the Index will rise or fall. The
actual future performance of the Index may bear no relation to the actual historical or back-tested levels of the Index.</P>

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


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<P STYLE="color: #004C97; font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">Back-Tested and Actual Historical Performance
of the Index</P>

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<P STYLE="color: #004C97; font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">&nbsp;</P>

<div style="float: left; width: 49%">

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  <TR STYLE="background-color: #004C97">
    <TD STYLE="width: 34%; border: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Full Period</FONT></TD>
    <TD STYLE="width: 33%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Index</FONT></TD>
    <TD STYLE="width: 33%; border-top: white 1pt solid; border-right: white 1pt solid; border-bottom: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">SPXT5UE</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Ann. Return</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">3.42%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">1.96%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Ann. Volatility</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">4.99%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">4.95%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Max Drawdown</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">-13.05%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">-17.94%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Sharpe Ratio</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">0.69</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">0.40</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Return / Drawdown</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">&nbsp;(0.26)</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">&nbsp;(0.11)</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Best Month</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: #939598">4.17%</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: #939598">(May 2003)</P></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: #939598">4.10%</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: #939598">(Jan 2018)</P></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Worst Month</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: #939598">-4.31%</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: #939598">(Oct 2018)</P></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED">
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: #939598">-3.98%</P>
    <P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center; color: #939598">(Oct 2018)</P></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Average Month</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">0.29%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">0.17%</FONT></TD></TR>
  </TABLE>

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<div style="float: right; width: 49%">


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    <TD COLSPAN="3" STYLE="border: white 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: white">Additional Return Statistics</FONT></TD></TR>
  <TR STYLE="background-color: #004C97">
    <TD STYLE="width: 30%; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 36%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Index</FONT></TD>
    <TD STYLE="width: 34%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">SPXT5UE</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Year-to-Date</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">-10.57%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">-4.10%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">1 Month</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">1.49%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">1.35%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">3 Month</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">1.63%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">1.19%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">1 Year</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">-7.58%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">-2.29%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">3 Year</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">-1.66%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">5.68%</FONT></TD></TR>
  <TR>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">5 Year</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">3.44%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center; font-size: 11pt"><FONT STYLE="font-size: 10pt; color: #939598">7.64%</FONT></TD></TR>
  </TABLE>
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<P STYLE="color: #004C97; font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 12pt 0 0">&nbsp;</P>

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<P STYLE="color: #6E6E6E; font: 7pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="background-color: #004C97">
    <TD COLSPAN="14" STYLE="border: white 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: white">CS US Balanced 5% ER Index Monthly and Annual Return Statistics</FONT></TD></TR>
  <TR STYLE="background-color: #004C97">
    <TD STYLE="width: 7%; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 7%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Jan</FONT></TD>
    <TD STYLE="width: 7%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Feb</FONT></TD>
    <TD STYLE="width: 7%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Mar</FONT></TD>
    <TD STYLE="width: 7%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Apr</FONT></TD>
    <TD STYLE="width: 7%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">May</FONT></TD>
    <TD STYLE="width: 7%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">June</FONT></TD>
    <TD STYLE="width: 7%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">July</FONT></TD>
    <TD STYLE="width: 7%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Aug</FONT></TD>
    <TD STYLE="width: 7%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Sept</FONT></TD>
    <TD STYLE="width: 7%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Oct</FONT></TD>
    <TD STYLE="width: 7%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Nov</FONT></TD>
    <TD STYLE="width: 7%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Dec</FONT></TD>
    <TD STYLE="width: 9%; border-bottom: white 1pt solid; border-right: white 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">Year</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2008</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.28%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.33%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.78%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.11%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.89%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.59%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.29%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.46%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-2.13%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.70%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">3.60%</FONT></TD>
    <TD STYLE="vertical-align: top; border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.85%</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.04%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2009</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.72%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.98%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">2.22%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.56%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.59%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.47%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.15%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.99%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.05%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.36%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">2.75%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.90%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.47%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2010</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.28%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.51%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.56%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.54%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.59%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">2.42%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.42%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">2.76%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.32%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.05%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.12%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">11.67%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2011</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.02%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.15%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.70%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.93%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.90%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.10%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.32%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.02%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.52%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.99%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.61%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.56%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">7.32%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2012</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.71%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.81%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.50%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.02%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.32%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.94%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.41%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.62%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.95%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.04%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.74%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.02%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">6.51%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2013</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.30%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.97%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.73%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.28%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.61%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.20%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.42%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.50%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.79%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.85%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.00%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.59%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">8.89%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2014</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.25%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.80%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.21%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.51%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">2.03%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.86%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.20%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">2.47%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.22%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.94%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.66%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.32%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">6.15%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2015</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.30%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.39%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.46%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.02%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.38%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.41%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.45%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-4.23%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.47%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.60%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.52%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.74%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.91%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2016</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.61%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.85%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.80%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.16%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.61%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.37%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.24%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.57%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.12%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.38%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.29%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.82%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">3.79%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2017</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.04%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">2.77%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.02%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.74%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.86%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.25%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.41%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.20%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.02%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.82%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">2.50%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.79%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">13.72%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2018</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">4.04%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-3.58%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.56%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.68%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.89%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.14%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.31%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.76%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.00%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-4.31%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.88%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.21%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.87%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2019</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">2.10%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.26%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.66%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.18%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.44%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">3.52%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.18%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.52%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.55%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.57%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.06%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.02%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">10.47%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2020</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.95%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.77%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.31%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.84%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.67%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.29%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.42%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.24%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.86%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.45%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">2.67%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.92%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">5.25%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2021</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.63%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.09%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.58%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.73%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.29%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.88%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.41%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.12%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-3.03%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">2.13%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.22%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.28%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">5.46%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2022</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-3.23%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-0.93%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.14%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-3.07%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.43%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-2.19%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.99%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-2.05%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-2.88%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">0.51%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.32%</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-1.16%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">-11.88%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; border-left: white 1pt solid; background-color: #004C97; font-size: 12pt; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt; color: white">2023</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.49%</FONT></TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: white 1pt solid; background-color: #BEBFC1; text-align: center">&nbsp;</TD>
    <TD STYLE="border-right: white 1pt solid; border-bottom: white 1pt solid; background-color: #E8EAED; text-align: center"><FONT STYLE="font-size: 10pt; color: #6D6F72">1.49%</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">Source: Credit Suisse, Bloomberg. The Index was launched
on June 29, 2018. Back-tested data is shown from January 4, 1999 to June 29, 2018. Historical data is shown from June 29, 2018 to January
31, 2023. The shaded area indicates the period for which historical data is shown. Past performance of the Index is no guide to future
performance. Performance is shown net of 0.50% per annum index fee embedded in the Index. Using back-tested methodology, Credit Suisse
International, the &ldquo;Index Calculation Agent,&rdquo; has computed the closing level of the Index since March 20, 1998, with a hypothetical
initial level of 100. Back-tested performance results have inherent limitations. For more information on the limitations of back-tested
Index performance information, see &ldquo;Limitations of Back-Tested Index Performance Information&rdquo; above. In the Monthly and Annual
Return Statistic Table, for 2022, &ldquo;Year&rdquo; refers to the YTD return.</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">&ldquo;SPXT5UE&rdquo; is the S&amp;P 500<SUP>&reg;</SUP>
Daily Risk Control 5% USD Excess Return Index. SPXT5UE was launched on September 10, 2009. Back-tested data for SPXT5UE is shown from
January 4, 1999 to September 10, 2009. Historical data for SPXT5UE is shown from September 10, 2009 to January 31, 2023. Back-tested performance
results have inherent limitations. For more information on the limitations of back-tested Index performance information, see &ldquo;Limitations
of Back-Tested Index Performance Information&rdquo; above.</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">The relationship between the performance of the Index and
the performance of SPXT5UE shown in the graph above is not an indication of how the performance of the Index may compare to the performance
of SPXT5UE in the future. There is no guarantee that the Index will outperform SPXT5UE. By including performance information for SPXT5UE,
no suggestion is made that SPXT5UE is the only alternative index to which the back-tested performance of the Index should be compared.
You should independently evaluate an investment linked to the Index as compared to other investments available to you. In particular,
you should note that, like the Index, SPXT5UE is an &ldquo;excess return&rdquo; index, which reflects the performance of a hypothetical
investment made with borrowed funds and thus bears a hypothetical interest cost. The performance of excess return indices is less than
the performance that could be achieved by a fully funded direct investment (i.e., an investment not made with borrowed funds).</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">As used in the table above, &ldquo;Full Period&rdquo; means
the period from January 4, 1999 to January 31, 2023, including the period with back-tested performance results (including the Best Month)
from January 4, 1999 to June&nbsp;29,&nbsp;2018.</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">As used in the table above, &ldquo;Ann. Return&rdquo; means
the annualized return of the Index.</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">As used in the table above, &ldquo;Ann. Volatility&rdquo;
means the annualized volatility of the Index.</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">As used in the table above, &ldquo;Max Drawdown&rdquo;
means the greatest decline in the level of the Index from March 1998 to January 2023 as measured from the highest level of the Index to
the lowest level of the Index, expressed as a percentage.</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">As used in the table above, &ldquo;Sharpe Ratio&rdquo;
means the annualized return divided by the annualized volatility.</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">As used in the table above, &ldquo;Return / Drawdown&rdquo;
means the annualized return of the Index divided by the absolute value of the Max Drawdown.</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">As used in the table above, &ldquo;Best Month&rdquo; means
the highest monthly Index return from February 1999 to January 2023.</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">As used in the table above, &ldquo;Worst Month&rdquo; means
the lowest monthly Index return from February 1999 to January 2023.</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">As used in the table above, &ldquo;Average Month&rdquo;
means the arithmetic average of the monthly Index returns from February 1999 to January 2023.</P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0in">As used in the table above, &ldquo;Additional Return Statistics&rdquo;
reflect the return of the Index over the stated period, ending January 31, 2023. The 5 year statistics for the Index include back-tested
performance results prior to June 29, 2018.<BR STYLE="clear: both">
</P>


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<P STYLE="color: #004C97; font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 3pt">Index Asset Allocation and Realized Volatility
Target</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.1in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD><B>Asset Allocation:</B> The Index allocates (i) all of its exposure to the Equity Index during potential &ldquo;lower volatility&rdquo;
periods and (ii) part of its exposure to the Equity Index and the remainder of its exposure to one or both Fixed Income Indices during
potential &ldquo;higher volatility&rdquo; periods.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD>When the historical realized volatility of the Credit Suisse US Equity Futures Index is greater than 5% (signaling &ldquo;more risky&rdquo;
markets), the Index reduces its exposure to the Equity Index and allocates part of its portfolio to one or both Fixed Income Indices</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD>The greater the historical realized volatility of the Credit Suisse US Equity Futures Index, the less of the portfolio is allocated
to the Equity Index and the more of the portfolio is allocated to one or both Fixed Income Indices.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.1in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD><B>Risk Signal: </B>Captures the presence of a downward trend in the performance of the 10Y Fixed Income Index.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD>If the Risk Signal is off, the Index will allocate all of the fixed income exposure, if applicable, to the 10Y Fixed Income Index.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD>The Risk Signal is turned on if the performance of the 10Y Fixed Income Index over the previous ten Index Calculation Days is lower
than its historical moving average, indicating that the risk of future negative performance in ten-year U.S. Treasury note futures contracts
is rising; in this scenario, the Index will allocate half of the fixed income exposure to the 10Y Fixed Income Index and the remaining
half to the 2Y Fixed Income Index, which generally has a lower volatility than the 10Y Fixed Income Index.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.1in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD><B>Realized Volatility Target: </B>Index attempts to achieve a realized volatility target of 5% by varying its notional exposure to
the portfolio of indices.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD>The notional exposure to the portfolio on each Index Calculation Day will be set equal to the target volatility of 5% divided by the
historical realized volatility of the portfolio calculated on such day, subject to a maximum notional exposure of 125%.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD>If the realized volatility of the portfolio is less than 4.00%, the Index will not achieve its target volatility of 5% even with 125%
exposure to the portfolio.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">o</FONT></TD><TD>An exposure of less than 100% would mean that the Index will participate in only a limited degree of the performance of the portfolio
of the Component Indices, and the difference between 100% and that exposure will be hypothetically allocated to non-remunerating cash
and will accrue no interest or other return.</TD></TR></TABLE>

<P STYLE="color: #004C97; font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 3pt">Index Characteristics</P>

<DIV STYLE="padding: 4pt; border: Black 1pt solid">

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.1in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD><B>Objective: </B>The Index is designed to provide exposure to a hypothetical &ldquo;balanced&rdquo; portfolio (consisting of the
Equity Index and a momentum strategy-driven allocation of the Fixed Income Indices), while targeting a realized daily volatility of 5%</TD></TR></TABLE>

</DIV>

<P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 4pt">&nbsp;</FONT></P>
<DIV STYLE="padding: 4pt; border: Black 1pt solid">
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.1in"><FONT STYLE="font-size: 6pt">&bull;</FONT></TD><TD><B>Exposure: </B>The Index&rsquo;s hypothetical portfolio may, under certain circumstances, include both:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 7.1pt"></TD><TD STYLE="width: 9.05pt">&ndash;</TD><TD>equity exposure, in the form of notional E-mini S&amp;P 500 futures contracts tracked by the Equity Index; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 3pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 7.1pt"></TD><TD STYLE="width: 9.05pt">&ndash;</TD><TD>fixed income exposure, in the form of U.S. Treasury note futures contracts tracked by the Fixed Income Indices</TD></TR></TABLE>
</div>
<P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 4pt">&nbsp;</FONT></P>
<DIV STYLE="padding: 4pt; border: Black 1pt solid">
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 6pt"><B>Realized Volatility Target</B>: The Index&rsquo;s exposure to
the portfolio is adjusted on each Index Calculation Day in an attempt to maintain its realized volatility target of 5%</P>
</div>
<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 3pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>


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<P STYLE="color: #004C97; font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 3pt">&nbsp;</P>

<P STYLE="color: #004C97; font: bold 11pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 3pt">Selected Risk Considerations</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt">The following describes significant risks relating to the Index. We
urge you to read the following information about these risks, together with the other information in the offering documents before investing
in any securities linked to the Index. In particular, please review the &ldquo;Selected Risk Considerations&rdquo; section in the underlying
supplement dated June 18, 2020 before investing in any securities linked to the Index.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt"><U>Selected Risk Considerations Related to the Index</U></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>
<div style="float: left; width: 49%">
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>The Index Does Not Attempt to Achieve a Broad or &ldquo;Balanced&rdquo; Asset Class Diversification.</B> &ldquo;Balanced&rdquo;
is not meant to imply broad or balanced diversification across asset classes leading to risk mitigation. The Index does not attempt to
achieve a broad asset class diversification, and in some instances may have only equity exposure.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>The Index Has Limited History and May Perform in Unexpected Ways.</B> The Index was launched on June 29, 2018. Because the Index
is of recent origin with limited performance history, an investment linked to the Index may involve a greater risk than an investment
linked to one or more indices with an established record of performance.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>An index fee of 0.50% per annum is deducted in the calculation of the Index. </B>The index fee will place a drag on the performance
of the Index, offsetting any appreciation of its portfolio, exacerbating any depreciation of its portfolio and causing the level of the
Index to decline steadily if the value of its portfolio remains relatively constant. The Index will not participate in any appreciation
of its portfolio unless it is sufficiently great to offset the negative effects of the index fee, and then only to the extent that the
favorable performance of its portfolio is greater than the index fee (and subject to the volatility-targeting feature). As a result of
this deduction, the level of the Index may decline even if its portfolio appreciates.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>The Index May Fail to Maintain Its Volatility Target and May Experience Large Declines as a Result. </B>Because this exposure adjustment
is backward-looking based on realized volatility over a prior period, because past volatility may not be predictive of future volatility
and because there is a time lag between when volatility occurs and when the Index rebalances its portfolio, there may be a time lag before
a sudden increase in the volatility of the portfolio of Component Indices is sufficiently reflected in the exposure to the portfolio of
Component Indices to result in a meaningful reduction in realized volatility.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>The Volatility-Targeting Feature May Cause the Index to Perform Poorly in Temporary Market Crashes. </B>The Index may not meaningfully
reduce its exposure to the Index&rsquo;s hypothetical portfolio until a crash has already occurred, and by the time the </TD></TR></TABLE>
</div>
<div style="float: right; width: 49%">
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt">&nbsp;</TD><TD>reduced
exposure does take effect, the recovery may have already begun.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>The Volatility-Targeting Feature Could Cause the Index to Significantly Underperform Its Portfolio in Rising Equity Markets. </B>The
Index will have less than 100% exposure to the Index&rsquo;s hypothetical portfolio at any time when realized volatility of the Index&rsquo;s
hypothetical portfolio is greater than the Index&rsquo;s volatility target of 5%.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>The Index&rsquo;s Volatility Target Is Arbitrary. </B>Realized volatility is not the same as implied volatility, which is an estimation
of future volatility and may better reflect market volatility expectation.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>The Credit Suisse US Balanced Index&rsquo;s Decay Factors Are Arbitrary. </B>The decay factors were chosen arbitrarily by Credit
Suisse out of many decay factors that Credit Suisse could have selected, and may not be the optimal decay factors to use for the Index.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>Calculating the Preliminary Weight of the Equity Index in the Index&rsquo;s Portfolio Based on the Arithmetic Average of the Short-Term
and Long-Term Realized Volatilities of the Equity Index Is Arbitrary.</B> This averaging of short-term realized volatility and long-term realized volatility is arbitrary
and may dampen or heighten the calculated realized volatility of the Equity Index compared to other methods of calculating volatility
such as implied volatility, which is an estimation of future volatility and may better reflect market volatility expectation.</TD></TR></TABLE>




<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>A Significant Portion of the Index May Be Hypothetically Allocated to Non-remunerating Cash, Which May Dampen Returns. </B>At any
time when the Index has less than 100% exposure to the Index&rsquo;s hypothetical portfolio, a portion of the Index (corresponding to
the difference between the exposure to the Index&rsquo;s hypothetical portfolio and 100%) will be hypothetically allocated to non-remunerating
cash and will not accrue any interest or other return.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>The Index Is Exposed to Risks Related to the Component Indices. </B>The Index&rsquo;s performance will be directly affected by
the performance of the Component Indices and the risks related to the Component Indices.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>The Index&rsquo;s Allocation Methodology May Not Be Successful If the Equity Index and the Fixed Income Indices Decline at the
Same Time.</B> If the </TD></TR></TABLE>
</div>
<div style="clear:both"></div>

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

<!-- Field: Page; Sequence: 6; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></FONT></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<div style="float: left; width: 49%">
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt">&nbsp;</TD><TD>equity
component and the fixed income components tend to decline at the same time&mdash;in other words, if they prove to be positively correlated&mdash;the
Index&rsquo;s allocation methodology will not be successful, and the Index may experience significant declines.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>The Index May Have Significant Exposure to the Fixed Income Indices, Which Have Limited Return Potential and Significant Downside
Potential, Particularly in Times of Rising Interest Rates.</B> The Fixed Income Indices offer only limited return potential, which in
turn limits the return potential of the Credit Suisse US Balanced Index.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt"><U>Selected Risk Considerations Related to the Component Indices</U></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>Securities Linked to the Index Do Not Offer Direct Exposure to the S&amp;P 500<SUP>&reg;</SUP> Index or U.S. Treasury Notes.</B>
The Equity Index tracks E-mini S&amp;P 500 futures contracts, not the underlying S&amp;P 500<SUP>&reg;</SUP> Index (nor the immediate
value of its components). The Fixed Income Indices track the relevant U.S. Treasury note futures contracts, not the underlying U.S. Treasury
notes (nor their spot price). Securities linked to the Index may underperform a similar investment linked to the spot prices or current
levels of the underlying assets tracked by the futures contracts included in the Component Indices.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>The Level of the Component Indices May be Calculated and Published at Different Times than the Prices of the E-mini S&amp;P 500
Futures Contracts or U.S. Treasury Note Futures Contracts.</B> There could be market developments or other events that cause or exacerbate
the difference between the price of the relevant E-mini S&amp;P 500 futures contracts or U.S. Treasury note futures contracts and the
level of the relevant Component Index.</TD></TR></TABLE>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt"><U>General Risks Related to the Index and the Component Indices</U></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 3pt">The following risks relate to the Index and the Component Indices.
The Index and the Component Indices are referred to below as the &ldquo;indices&rdquo;.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>Past Performance of the Indices Is No Guide to Future Performance and There Is No Assurance that the Strategies on Which the Indices
are Based Will Be Successful.</B> We cannot predict the future performance of the indices and there is no assurance that the strategy
on which the indices is based will be successful in producing positive returns.</TD></TR></TABLE>

</div>
<div style="float: right; width: 49%">


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>There Can Be No Assurance that the Performance of the Indices over Time Will Approximate the Return of the Relevant Strategy or
Any Other Strategy</B>. The composition of the indices at any time is determined by the allocation methodology, and is not actively managed
by the relevant index sponsor. There can be no assurance that the performance of the indices over time will
approximate the return of the relevant strategy or any other strategy.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>You Will Not Have Any Rights in Any U.S. Equity Futures Contracts or U.S. Treasury Note Futures Contracts Tracked by the Indices.</B>
The securities will be paid in cash, and you will have no right to receive any payment or delivery in respect of any E-mini S&amp;P 500
futures contracts or U.S. Treasury note futures contracts.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>Owning the Securities Linked to the Index Is Not the Same as Directly Owning Any Futures Contracts or Securities Directly or Indirectly
Tracked by the Indices.</B> For example, as an investor in the securities, you will not have rights to receive dividends or other distributions
or any other rights, including voting rights, with respect to any stocks included in the S&amp;P 500<SUP>&reg;</SUP> Index tracked by
the E-mini S&amp;P 500 futures contracts, which are, in turn, tracked by the Equity Index.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>Suspension or Disruptions of Market Trading in Stocks or Futures Contracts May Adversely Affect the Value of the Securities. </B>Stock
markets and futures markets are subject to temporary distortions or other disruptions due to various factors, including the lack of liquidity
in the markets, the participation of speculators, and government regulation and intervention. These circumstances could affect the level
of the indices and the market value of the securities<B>.</B></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>We and Our Affiliates May Have Economic Interests Adverse to Those of the Holders of the Securities. </B>Potential conflicts of
interest may exist between our affiliates and you, including with respect to certain determinations and judgments that they must make
in determining amounts due to you, either at maturity or upon early redemption of the securities or the composition or methodology of
the indices.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>Adjustments to the Indices or to their Respective Components Could Adversely Affect the Securities.</B> The relevant index sponsor
can make methodological changes to the indices that could change the level of the indices at any time. Any action by the relevant index
sponsor could adversely affect the performance of the indices and, therefore, the amount payable at maturity or repurchase and/or the
market value of the securities.</TD></TR></TABLE>
</div>
<div style="clear:both"></div>

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



<!-- Field: Page; Sequence: 7; Value: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt"><P STYLE="text-align: right; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 9pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></FONT></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<div style="float: left; width: 49%">
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>You Will Have No Rights Against the Entities with Discretion over the Indices or their Respective Components.</B> As an owner of
the securities, you will have no rights against the relevant index sponsor or the index calculation agent even though the amount you receive
at maturity or upon repurchase of your securities by Credit Suisse will depend on the level of the indices.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 9.5pt; color: #231F20">&bull;</FONT></TD><TD><B>The
Indices Will Be Calculated Pursuant to a Set of Fixed Rules and Will Not Be Actively Managed.</B></TD></TR></TABLE>

</div>
<div style="float: right; width: 49%">


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5pt"></TD><TD STYLE="width: 8pt">&nbsp;</TD><TD><B>If the Indices Perform Poorly,
the Relevant Index Sponsor Will Not Change the Rules in an Attempt to Improve Performance. </B>Unlike a mutual fund, which could be actively
managed by the fund manager in an attempt to maximize returns in changing market conditions, the index rules will remain unchanged, even
if those rules might prove to be ill-suited to future market conditions.</TD></TR></TABLE>
</div>
<div style="clear:both"></div>

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

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-weight: normal">The S&amp;P 500&reg; Daily Risk Control
5% USD Excess Return Index and S&amp;P&reg; 500 Index are the property of S&amp;P Dow Jones Indices, its affiliates and/or their third-party
licensors. S&amp;P&reg; is a registered trademark of Standard &amp; Poor&rsquo;s Financial Services LLC, and Dow Jones&reg; is a registered
trademark of Dow Jones Trademark Holdings LLC. The Index or the Component Indices are not sponsored by S&amp;P Dow Jones Indices LLC,
their affiliates, including Standard &amp; Poor&rsquo;s Financial Services LLC, or their third-party licensors, including Dow Jones Trademark
Holdings LLC (collectively, &ldquo;S&amp;P Dow Jones Indices&rdquo;).</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-weight: normal">The securities linked to the Index are
not sponsored, endorsed, sold or promoted by S&amp;P Dow Jones Indices. S&amp;P Dow Jones Indices does not make any representation or
warranty, express or implied, to the owners of the securities or any member of the public regarding the advisability of investing in
securities generally or in the securities particularly or the ability of the Index to track general market performance. S&amp;P Dow Jones
Indices&rsquo; only relationship to Credit Suisse International with respect to the Index is the licensing of certain indices, trademarks,
service marks and trade names of S&amp;P Dow Jones Indices. S&amp;P Dow Jones Indices is not responsible for and has not participated
in the determination of the prices and amount of the securities or the timing of the issuance or sale of the securities or in the determination
or calculation of the equation by which the securities may be converted into cash or other redemption mechanics. S&amp;P Dow Jones Indices
has no obligation or liability in connection with the administration, marketing or trading of the securities. S&amp;P Dow Jones Indices
LLC is not an investment advisor. Inclusion of a security within any index is not a recommendation by S&amp;P Dow Jones Indices to buy,
sell, or hold such security, nor is it investment advice.</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">S&amp;P DOW JONES
INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY
COMMUNICATION WITH RESPECT THERETO, INCLUDING ORAL, WRITTEN, OR ELECTRONIC COMMUNICATIONS. S&amp;P DOW JONES INDICES SHALL NOT BE SUBJECT
TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&amp;P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES,
AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED
BY CREDIT SUISSE INTERNATIONAL, OWNERS OF THE SECURITIES, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY
DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&amp;P DOW JONES INDICES BE LIABLE FOR ANY
INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST
TIME, OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR
OTHERWISE.</FONT></P>

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

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 10pt">Copyright &copy; 2023 Credit Suisse Group AG and/or its affiliates.
All rights reserved.</P>

<!-- Field: Page; Sequence: 8; Options: Last -->
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
