Please help me to solve this problem and please explain me the steps how it is solvedin details?

Suppose it costs $2,500 to buy a defibrillator.Find theexpected value of owning a defibrillatorif there is a 4% probability that Frontier Gym will lose a lawsuit regarding its operation, with each lawsuit resulting in Frontier Gym being liable in the amount of $1,000,000.

Please can you explain : should I add the cost $2500 or subtract?