\[\left( 3x^{6}y^{3} \right)^{4} \cdot \left( - \frac{1}{81}xy^{2} \right) =\]
\[= 3^{4}x^{24}y^{12} \cdot \left( - \frac{1}{81} \right)xy² =\]
\[= 81 \cdot \left( - \frac{1}{81} \right)x^{24 + 1}y^{12 + 2} =\]
\[= - x^{25}y^{14}.\]