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their investment; Performance Payout — Performance is generally calculated based on the value of the referenced underlying on either a series of specified valuation dates or a single specified valuation date ... Large declines or swings in the referenced underlying on a specified valuation date may have a disproportionate effect on the performance of the note and may greatly affect the note ... Structured notes may limit an investor's participation in the upside performance of the referenced underlying. Typically, investors participate up to a pre-specified cap amount; however, they forego