0000891092-13-002784.txt : 20130328 0000891092-13-002784.hdr.sgml : 20130328 20130328160115 ACCESSION NUMBER: 0000891092-13-002784 CONFORMED SUBMISSION TYPE: FWP PUBLIC DOCUMENT COUNT: 2 FILED AS OF DATE: 20130328 DATE AS OF CHANGE: 20130328 SUBJECT COMPANY: 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: FWP SEC ACT: 1934 Act SEC FILE NUMBER: 333-180300-03 FILM NUMBER: 13723983 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 FILED BY: 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: FWP 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 FWP 1 e52800fwp.htm FACT SHEET (U826)

Filed pursuant to Rule 433
Registration Statement No. 333-180300-03
FINANCIAL PRODUCTS
FACT SHEET (U826)		  

Offering Period: March 27, 2013—April 19, 2013

2 Year High/Low Coupon Callable Yield Notes Linked to the

Russell 2000® Index, the United States Oil Fund, LP and the Market Vectors Gold Miners ETF

Return Profile

• 2 year High/Low Coupon Callable Yield Notes linked to the performance of the Russell 2000® Index, the United States Oil Fund, LP and the Market Vectors Gold Miners ETF.
• Interest payments will be paid monthly in arrears at the Applicable Rate per annum, calculated on a 30/360 basis, subject to Early Redemption.
• If a Knock-In Event does not occur, investors will be entitled to receive their principal amount at maturity.
• If a Knock-In Event occurs, the payment at maturity will be determined by the Underlying Return of the Lowest Performing Underlying.
• Any payment on the securities is subject to our ability to pay our obligations as they become due.

Terms & Knock-In Event

Issuer: Credit Suisse AG ("Credit Suisse"), Nassau Branch.
Trade Date: Expected to be April 22, 2013.
Settlement Date: Expected to be April 25, 2013.
Underlyings: The Russell 2000® Index, the United States Oil Fund, LP and the Market Vectors Gold Miners ETF.
Applicable Rate:

• If a Knock-In Event does not occur, the Applicable Rate is expected to be between [9.75 - 10.75]% per annum (to be determined on the Trade Date).

• If a Knock-In Event occurs during any Observation Period, the Applicable Rate for the corresponding interest period and each subsequent interest period is expected to be 1.00% per annum (to be determined on the Trade Date).
Interest will be calculated on a 30/360 basis.

Interest Payment Dates: May 28, 2013, June 25, 2013, July 25, 2013, August 26, 2013, September 25, 2013, October 25, 2013, November 25, 2013, December 26, 2013, January 27, 2014, February 25, 2014, March 25, 2014, April 25, 2014, May 27, 2014, June 25, 2014, July 25, 2014, August 25, 2014, September 25, 2014, October 27, 2014, November 25, 2014, December 26, 2014, January 26, 2015, February 25, 2015, March 25, 2015 and the Maturity Date, unless redeemed earlier.
Observation Dates: May 22, 2013, June 20, 2013, July 22, 2013, August 21, 2013, September 20, 2013, October 22, 2013, November 20, 2013, December 20, 2013, January 22, 2014, February 20, 2014, March 20, 2014, April 22, 2014, May 21, 2014, June 20, 2014, July 22, 2014, August 20, 2014, September 22, 2014, October 22, 2014, November 20, 2014, December 22, 2014, January 21, 2015, February 20, 2015, March 20, 2015 and the Valuation Date.
Early Redemption: Prior to the Maturity Date, the Issuer may redeem the securities on any Interest Payment Date scheduled to occur on or after May 28, 2013 upon notice on or before the relevant Early Redemption Notice Date at 100% of the principal amount plus accrued but unpaid interest.
Early Redemption Notice Dates: May 22, 2013, June 20, 2013, July 22, 2013, August 21, 2013, September 20, 2013, October 22, 2013, November 20, 2013, December 20, 2013, January 22, 2014, February 20, 2014, March 20, 2014, April 22, 2014, May 21, 2014, June 20, 2014, July 22, 2014, August 20, 2014, September 22, 2014, October 22, 2014, November 20, 2014, December 22, 2014, January 21, 2015, February 20, 2015, or March 20, 2015, as applicable.
Knock-In Level: For each Underlying, approximately 60.0% of the Initial Level for such Underlying (to be determined on the Trade Date).
Knock-In Event: A Knock-In Event occurs if, on any trading day during any Observation Period, the closing level of any Underlying is equal to or less than its Knock-In Level.
Initial Level: For each Underlying, the closing level of such Underlying on the Trade Date.
Final Level: For each Underlying, the closing level of such Underlying on the Valuation Date.
Redemption Amount: Subject to Early Redemption, for each $1,000 principal amount of securities (a) if a Knock-In Event occurs, $1,000 x (1 + the Underlying Return of the Lowest Performing Underlying); (b) if a Knock-In Event does not occur, $1,000.
Lowest Performing Underlying: The Underlying with the lowest Underlying Return.
Underlying Return: For each Underlying, calculated as follows:  (Final Level – Initial Level)/Initial Level; subject to a maximum of zero.
Observation Period: There are 24 monthly Observation Periods; the first Observation Period will be from but excluding the Trade Date, to and including the first Observation Date.  Each subsequent Observation Period will be from but excluding an Observation Date to and including the next following Observation Date.
Valuation Date: April 22, 2015
Maturity Date: April 27, 2015
CUSIP: 22546T4T5

 

Hypothetical Returns at Maturity

Percentage
Change from the
Initial Level to
the Final Level of
the Lowest
Performing
Underlying		 Underlying
Return of the Lowest
Performing
Underlying

Redemption

Amount per
$1,000 Principal
Amount

(Knock-In Event

Does Not

Occur)(1)(2)

Redemption

Amount per
$1,000 Principal
Amount

(Knock-In Event

Occurs)(1)(2)

50% 0% $1,000 $1,000
40% 0% $1,000 $1,000
30% 0% $1,000 $1,000
20% 0% $1,000 $1,000
10% 0% $1,000 $1,000
0% 0% $1,000 $1,000
-10% -10% $1,000 $900
-20% -20% $1,000 $800
-30% -30% $1,000 $700
-40% -40% N/A $600
-50% -50% N/A $500
(1)Does not include any expected interest payments on the securities.
(2)The hypothetical Redemption Amounts set forth above are for illustrative purposes only and may not be the actual returns applicable to the investor. The numbers appearing in the table have been rounded for ease of analysis.

Benefits

• Offers the potential for above-market interest payment versus ordinary fixed income investments.
• Reduced downside risk due to a 40.0% contingent buffer.

Product Risks

• Investment may result in a loss of up to 100% of principal.
• The value of the securities and the payment of any amount due on the securities are subject to the credit risk of Credit Suisse.
• The securities will not pay more than the principal amount, plus accrued and unpaid interest, at maturity or upon Early Redemption.  
• If a Knock-In Event occurs during any Observation Period, the Applicable Rate for the corresponding interest period and each subsequent interest period is expected to be 1.00% per annum (to be determined on the Trade Date).
• The Redemption Amount will be less than the principal amount even if only one Underlying causes a Knock-In Event and the Final Level of only one Underlying is less than its Initial Level.
• If a Knock-In Event occurs and the Final Level of the Lowest Performing Underlying is less than its Initial Level, the return will be based on the Lowest Performing Underlying.
• The securities are subject to Early Redemption, which may limit an investor’s ability to accrue interest over the full term of the securities
  (See “Additional Risk Considerations” on the next page.)

 

Product Summary

Horizon   2 Years
Principal Repayment   Principal at Risk
Investment Objective   Income
Market Outlook   Neutral
 
 
FINANCIAL PRODUCTS
FACT SHEET		  

 

Offering Period: March 27, 2013—April 19, 2013

2 Year High/Low Coupon Callable Yield Notes

 

Additional Risk Considerations

  • The securities are exposed equally to risk of fluctuations in the levels of the Underlyings to the same degree for each Underlying.
  • Anti-dilution protection is limited.
  • Prior to maturity, costs such as concessions and hedging may affect the value of the securities.
  • Liquidity – The securities will not be listed on any securities exchange. Credit Suisse (or its affiliates) intends to offer to purchase the securities in the secondary market but is not required to do so. Many factors, most of which are beyond the control of the Issuer, will influence the value of the securities and the price at which the securities may be purchased or sold in the secondary market. For example, the creditworthiness of the Issuer, including actual or anticipated downgrades to the Issuer’s credit ratings, may be a contributing factor.
  • Potential Conflicts – We and our affiliates play a variety of roles in connection with the issuance of the securities including acting as calculation agent and hedging our obligations under the securities. The agent for this offering, Credit Suisse Securities (USA) LLC (“CSSU”), is our affiliate. In accordance with FINRA Rule 5121, CSSU may not make sales in this offering to any discretionary account without prior written approval of the customer.
  • As a holder of the securities, you will not have voting rights or rights to receive cash dividends or other distributions with respect to the equity securities comprising the Underlyings.

The risks set forth in the section entitled “Product Risks” on the preceding page and this section “Additional Risk Considerations” are only intended as summaries of some of the risks relating to an investment in the securities. Prior to investing in the securities, you should, in particular, review the “Product Risks” and “Additional Risk Considerations” sections herein, the “Selected Risk Considerations” section in the pricing supplementand the “Risk Factors” section in the product supplement, which set forth risks related to an investment in the securities.

Disclaimer

IRS Circular 230 Disclosure: Credit Suisse and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with Credit Suisse of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties.

 

Investment suitability must be determined individually for each investor, and the financial instruments described herein may not be suitable for all investors. The products described herein should generally be held to maturity as early sales could result in lower than anticipated returns. This information is not intended to provide and should not be relied upon as providing accounting, legal, regulatory or tax advice. Investors should consult with their own advisors as to these matters.

 

This material is not a product of Credit Suisse Research Departments. Financial Products may involve a high degree of risk, and may be appropriate investments only for sophisticated investors who are capable of understanding and assuming the risks involved. Credit Suisse and its affiliates may have positions (long or short), effect transactions or make markets in securities or financial instruments mentioned herein (or options with respect thereto), or provide advice or loans to, or participate in the underwriting or restructuring of the obligations, issuers of the stocks comprising the applicable index, indices or fund mentioned herein. Credit Suisse is a member of FINRA, NYSE and SIPC. Clients should contact their salespersons at, and execute transactions through, a Credit Suisse entity qualified in their home jurisdiction unless governing law permits otherwise.

 

You may revoke your offer to purchase the securities at any time prior to the time at which we accept such offer on the date the securities are priced. We reserve the right to change the terms of, or reject any offer to purchase the securities prior to their issuance. In the event of any changes to the terms of the securities, we will notify you and you will be asked to accept such changes in connection with your purchase. You may also choose to reject such changes in which case we may reject your offer to purchase.

 

This document is a summary of the terms of the securities and factors that you should consider before deciding to invest in the securities. Credit Suisse has filed a registration statement (including pricing supplement, underlying supplement, product supplement, prospectus supplement and prospectus) with the Securities and Exchange Commission, or SEC, for the offering to which this offering summary relates. Before you invest, you should read this summary together with the Preliminary Pricing Supplement dated March 27, 2013, Underlying Supplement dated November 19, 2012, Product Supplement No. U-I dated March 23, 2012, Prospectus Supplement dated March 23, 2012 and Prospectus dated March 23, 2012, to understand fully the terms of the securities and other considerations that are important in making a decision about investing in the securities. You may get these documents without cost by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, Credit Suisse, any agent or any dealer participating in this offering will arrange to send you the pricing supplement, underlying supplement, product supplement, prospectus supplement and prospectus if you so request by calling toll-free 1-(800)-221-1037.

 

You may access the pricing supplement related to the offering summarized herein on the SEC website at:
http://www.sec.gov/Archives/edgar/data/1053092/000089109213002688/e52798_424b2.htm

 

You may access the underlying supplement, product supplement, prospectus supplement and prospectus on the SEC website at www.sec.gov or by clicking on the hyperlinks to each of the respective documents incorporated by reference in the pricing supplement.

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