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The Cumulative Index Change is the change in the Index over the Term, which is an amount equal to (i) an amount equal to Monthly Index Value of the Expiration Index Value Date divided by the Starting Index Value minus (ii) one (1). The Cumulative Index Change is determined on the Expiration Date.

For more information about these terms, please refer to the respective FAQs: "What is the Index?", "What is the Term?", "What is the Monthly Index Value?", "What is the Expiration Index Value Date?", and "What is the Starting Index Value?".