MicroSectors U.S. Big Banks Index -3X Inverse Leveraged ETNs
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The notes are senior unsecured medium-term notes issued by Bank of Montreal with a return linked to a three times leveraged participation in the inverse performance of the index, compounded daily, less a Daily Investor Fee, any negative Daily Interest and, if applicable, the Redemption Fee Amount. The index is an equal-dollar weighted index designed to represent the 10 U. S. stocks with the largest market capitalization in the banking sector.

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