To find the \( n \)-th term of an arithmetic sequence, you can use the formula:
\[ a_n = a_1 + (n - 1) \cdot d \]
where:
- \( a_n \) is the \( n \)-th term,
- \( a_1 \) is the first term,
- \( d \) is the common difference,
- \( n \) is the term number.
In this case:
- \( a_1 = 3 \)
- \( d = -10 \)
- \( n = 14 \)
Now, plug these values into the formula:
\[ a_{14} = 3 + (14 - 1) \cdot (-10) \]
Calculating inside the parentheses:
\[ a_{14} = 3 + 13 \cdot (-10) \] \[ a_{14} = 3 - 130 \] \[ a_{14} = -127 \]
Therefore, the 14th term of the sequence is \(\boxed{-127}\).