These financial instruments represent senior, unsecured, medium-term debt obligations issued by Bank of Montreal. Their returns are intricately tied to a daily-compounded, two-times leveraged exposure to the performance of an underlying index. This calculation, however, occurs after accounting for a daily investor fee, a daily financing charge, and a potential redemption fee, should one be incurred. The referenced index employs an equal-dollar weighting methodology and is specifically designed to reflect a concentrated segment of the technology and consumer discretionary sectors, comprising actively traded, high-growth equities from both traditional technology firms and businesses significantly enabled by technology.

Amazon.com, Inc.

Alibaba Group Holding Limited

Baidu, Inc.

ProShares S&P 500 Dynamic Buffer ETF

Alphabet Inc.

Netflix, Inc.

NVIDIA Corporation

Tesla, Inc.

Twitter, Inc. (delisted)

Apple Inc.

Technology

Communication Services

Consumer Cyclical

MicroSectors FANG+ Index 2X Leveraged ETNs

FNGO Holdings & Sector Breakdown