This financial instrument is designed to provide investors with daily returns that are two times the inverse (opposite) performance of the Solactive MicroSectorsTM U.S. Big Banks Index. These are unsecured, medium-term debt obligations, categorized as senior notes, originating from Bank of Montreal. Their value is tied to a daily compounded, two-fold inverse leverage of the index's movements, from which a daily investor fee, any negative daily interest, and a redemption fee (if relevant) are subtracted. The underlying index itself is structured to equally weight, by dollar amount, the ten U.S. banking stocks that possess the highest market capitalization.