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FID E-mail Disclaimer

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This material has been prepared by individual sales and/or trading personnel of Credit Suisse AG or its subsidiaries or affiliates (collectively "Credit Suisse") and not by Credit Suisse's research department. It is not investment research or a research recommendation for the purposes of the rules of the Financial Conduct Authority in the United Kingdom as it does not constitute substantive research. All Credit Suisse research recommendations can be accessed through the following hyperlink: https://s.research-and-analytics.csfb.com/login.asp subject to the use of approved login arrangements. This material is provided for information purposes, is intended for your use only and does not constitute an invitation or offer to subscribe for or purchase any of the products or services mentioned. Any pricing information provided is indicative only and does not represent a level at which an actual trade could be executed. The information provided is not intended to provide a sufficient basis on which to make an investment decision. Credit Suisse may trade as principal or have proprietary positions in securities or other financial instruments that are the subject of this material. It is intended only to provide observations and views of the said individual sales and/or trading personnel, which may be different from, or inconsistent with, the observations and views of Credit Suisse analysts or other Credit Suisse sales and/or trading personnel, or the proprietary positions of Credit Suisse. Observations and views of the salesperson or trader may change at any time without notice. Information and opinions presented in this material have been obtained or derived from sources believed by Credit Suisse to be reliable, but Credit Suisse makes no representation as to their accuracy or completeness. Credit Suisse accepts no liability for loss arising from the use of this material. Nothing in this material constitutes investment, legal, accounting or tax advice, or a representation that any investment or strategy is suitable or appropriate to your individual circumstances. Any discussions of past performance should not be taken as an indication of future results, and no representation, expressed or implied, is made regarding future results. Trade report information is preliminary and subject to our formal written confirmation.

Credit Suisse is not acting and will not act as a municipal advisor within the meaning of Section 975 of the Dodd-Frank Wall Street Reform and Consumer Protection Act and the rules and regulations promulgated thereunder ("Municipal Advisor Rule"). Any services, material, or information that Credit Suisse provides to a municipal entity or obligated person as defined by the Municipal Advisor Rule ("Covered Party") are provided on an arm’s length basis and not as an advisor or fiduciary to the Covered Party. Credit Suisse does not intend to make a recommendation or suggestion to any Covered Party concerning municipal derivatives, the issuance of municipal securities, the use of guaranteed investment contracts, or investment strategies for the proceeds of municipal securities or municipal escrow investments. Covered Parties should consult with their own internal and external advisors before taking action with respect to any services, material, or information provided to them by Credit Suisse. Credit Suisse will not solicit a Covered Party for direct or indirect compensation on behalf of an unaffiliated broker, dealer, municipal securities dealer, or municipal advisor for the purpose of obtaining or retaining an engagement for that broker, dealer, municipal securities dealer, or municipal advisor by the Covered Party for or in connection with municipal derivatives, the issuance of municipal securities, the use of guaranteed investment contracts, or investment strategies for the proceeds of municipal securities or municipal escrow investments. Credit Suisse also will not solicit a Covered Party for direct or indirect compensation on behalf of an unaffiliated investment adviser for the purpose of obtaining or retaining an engagement for that investment adviser by the Covered Party to provide investment advisory services to or on behalf of the Covered Party.