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Katherine: Who do you work for? hanging instant approval on installment loans flag In exchange for Clockâs taking on this risk, Credit Suisse pays Clock what is essentially an insurance premium. Clock passes this money on to its own investors in the form of coupon payments on their notes. The coupon is set to the three-month Swiss franc London interbank offered rate plus 9 percentage points, or 9.02 percent as of July 31.