There are infinitely many polynomials of order 5 that will give these as the first five numbers and any one of these could be "the" rule. Short of reading the mind of the person who posed the question, there is no way of determining which of the infinitely many solutions is the "correct" one.
The rule based on the polynomial of lowest order is:
U(n) = -8n + 3.
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It is not possible to find the nth term from the given information.
The nth term is (36 - 4n)
The nth term in this sequence is 4n + 3.
The nth term is (2n - 12).
It is: nth term = -4n+14