Product Details

Overview

The Notes will pay a quarterly Contingent Coupon at the annual rate of 9.00% if the price of the Reference Stock is greater than or equal to its applicable Coupon Barrier of 70% of its Initial Stock Price. If the closing price of the Reference Stock is less than its Coupon Barrier on the applicable Observation Date, we will not pay the Contingent Coupon applicable to that Observation Date.

Subject to Automatic Call: The Notes will be automatically called if the level of the Underlying Asset is greater than or equal to its initial level on specified observation dates. If called, investors may be unable to reinvest their proceeds in a product with a comparable return profile. 

See the related Prospectus under the “Documents” tab for a full explanation of the terms of the Notes.

Payment at Maturity

If the Notes are not previously called, we will pay you at maturity an amount based on the Final Stock Price: For each $1,000 in principal amount, $1,000 plus the Contingent Coupon at maturity, unless the Final Stock Price is less than the Trigger Price. If the Final Stock Price is less than the Trigger Price, then the investor will receive at maturity, for each $1,000 in principal amount, a cash payment equal to: $1,000 + ($1,000 x Reference Stock Return).

Summary Details

Initial Price of Note	100.00 % of par
Secondary Market Price as of 17-Nov-21	Called 101.54 % of par*
Trade Date	17-May-21
Issue Date	20-May-21
Valuation Date	17-May-24
Maturity Date	22-May-24
Term	3 years
Denomination	USD
CUSIP	78016EJ81
Classification	Income
Product Type	Non-Principal Return Notes
Structure	Autocallable
Protection Type	Barrier
Trigger Price	70 % of the initial price
Autocall Trigger	100 % of the initial level
Coupon Barrier	70 % of the initial level
Coupon (per annum)	9.00 %
Call Type	Autocall
Autocall Frequency	Quarterly
Coupon Observation Frequency	Quarterly
Call Schedule Start	Non-Call 6 months
Call Start Date	17-Nov-21
Settlement	Cash