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By entering into a transaction with the Issuer or any of its affiliates the investor acknowledges that having read and understood the following terms:
The Issuer is acting solely as an arm's length contractual counterparty and neither the Issuer nor any affiliate is acting as the financial adviser or fiduciary of the investor unless it has agreed to do so in writing.
This investment product is a complex structured derivative and involves a high degree of risk. It is intended only for investors who understand and are capable of assuming all risks involved. Before entering into any transaction, an investor should determine if this product suits his or her particular circumstances and should independently assess (with his or her professional advisers) the specific risks (maximum loss, currency risks, etc.) and the legal, regulatory, credit, tax and accounting consequences. The Issuer makes no representation as to the suitability or appropriateness of this investment product for any particular investor or as to the future performance of this investment product. Historical data on the performance of the investment product or the underlying assets is no indication of future performance. No representation or warranty is made that any indicative performance or return indicated will be achieved in the future. The information and views contained in this document are those of the Issuer and/or are derived from sources believed to be reliable. This document may however not replace a personal conversation with your relationship manager, which is recommended by Credit Suisse before the investment decision. Please ask your relationship manager to provide you with any available, additional information regarding this investment product such as the full terms or the simplified prospectus.
This document constitutes marketing material and is not the result of a financial analysis or research and therefore not subject to the "Directives on the Independence of Financial Research" (Swiss Bankers Association). The content of this document does therefore not fulfill the legal requirements for the independence of financial analyses and there is no restriction on trading prior to publication of financial research. Until the issue date the terms listed herein are indicative and may be amended. This document does not constitute an offer or invitation to enter into any type of financial transaction. The Issuer has no obligation to issue this investment product.
This document is not a simplified prospectus as stated in Art. 5 of the Swiss Federal Act on Collective Investment Schemes. This investment product does not constitute a participation in a collective investment scheme. Therefore, it is not supervised by the Swiss Financial Market Supervisory Authority (FINMA) and the investor does not benefit from the specific investor protection provided under the Federal Act on Collective Investment Schemes. The investment instrument's retention of value is dependent not only on the development of the value of the underlying asset, but also on the creditworthiness of the Issuer, which may change over the term of the structured product. The prospectus requirements of Art. 652a / Art. 1156 of the Swiss Code of Obligations are not applicable.
Credit Suisse AG does not make any representation as to the accuracy or completeness of this document and assumes no liability for losses and tax implications arising from the use hereof.
In connection with this transaction, the Issuer and/or its affiliates may pay to third parties, or receive from third parties as part of their compensation one-time or recurring remunerations. In receiving payments by third parties the Issuer and/or its affiliates' interests may be adverse to those of the holders of this investment product and such activities and payments could therefore adversely affect the investors' return on the investment product. Detailed information on these payments or potential conflicts of interests can be found in the list "Remunerations" and in the Credit Suisse "Summary Conflicts Policy". Both documents and more details about these payments may be obtained upon request from your relationship manager.
Where not explicitly otherwise stated, the Issuer has no duty to invest in the underlying assets and investors have no recourse to the underlying assets or to any payouts on the underlying assets. The price of the investment product will reflect the customary fees and costs charged on the level of the underlying assets (e.g. index calculation fees, management fees, administration fees). Certain built-in costs are likely to adversely affect the value of the investment product prior to maturity.
The investment product may not be offered to the public in any jurisdiction in circumstances which would require the Issuer of the investment product to prepare or register any further prospectus or offering document relating to the investment product in such jurisdiction, in particular where the Issuer would be required to do so under the EU Directives 2003/71/EC and 2010/73/EU concerning prospectuses to be published when securities are offered to the public or admitted to trading in the European Economic Area (the "Prospectus Directives") or any legislative, regulation or other measure implementing the Prospectus Directives.
Neither this document nor any copy thereof may be sent, taken into or distributed in the United States or to any U. S. person (within the meaning of Regulation S under the US Securities Act of 1933, as amended) or in any other jurisdiction except under circumstances that will result in compliance with the applicable laws thereof. This document is issued solely for information purposes and for the recipient's sole use, and the document may not be reproduced either in whole or in part, without the written permission of Credit Suisse AG.
The underlying indices are registered trademarks and have been licensed for use. The indices are compiled and calculated solely by licensors and the licensors shall have no liability with respect thereto. The products based on the indices are in no way sponsored, endorsed, sold or promoted by the licensors.
Some of the investment products include investments in emerging markets. Emerging markets are located in countries that possess one or more of the following characteristics: a certain degree of political instability, relatively unpredictable financial markets and economic growth patterns, a financial market that is still at the development stage or a weak economy. Emerging markets investments usually result in higher risks such as political risks, economical risks, credit risks, exchange rate risks, market liquidity risks, legal risks, settlement risks, market risks, shareholder risk and creditor risk. Investors should be willing and financially able to accept the risk characteristics of the investments described in this document.
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