...Maturity of approximately five years if not called prior to maturity Automatic call of the notes per unit at $10 plus the applicable Call Premium ($0.65 on the first Observation Date, $1.30 on the second Observation Date, $1.95 on the third Observation Date, and $2.60 on the fourth Observation Date) if the Index is flat or increases above 100% of the Starting Value on the relevant Observation Date The Observation Dates will occur approximately one year, two years, three years and four years after the pricing date If the notes are not called, at maturity: a return of 35% if the Index is flat or increases up to the Step Up Value a return equal to the percentage increase in the Index if the Index increases above the Step Up Value 1-to-1 downside exposure to decreases in the Index beyond a 15.00% decline, with up to 85.00% of your principal at risk a return equal to the principal amount if the Index decreases but not beyond a 15.00% decline All payments are subject to the credit risk of Credit...