Hypercharge Networks Corp. — Investor Presentation 2026

Apr 2, 2026

Bank of Montreal
Principal-at-risk Notes
Client Brochure
Dated: April 1, 2026

BMO Callable Contingent Income Barrier Notes, Series 1534 (CAD) Due April 23, 2029, Linked to Meta Platforms Inc

3 - Year Term

Subject to the notes being automatically called by Bank of Montreal

Quarterly Call Feature

• starting after the 5th observation date

12.36% per annum Contingent Coupon Paid Monthly

30% Contingent Protection at Maturity

Investment Highlights

The notes offered by the pricing supplement are unsecured debt securities issued by Bank of Montreal. The objective of the notes is to offer investors an income stream via potential periodic coupon payments with contingent downside protection against the loss of their principal investment from any negative performance above the barrier level of the Class A common shares of Meta Platforms, Inc. over the term of the notes. The principal amount is NOT fully protected under the notes.

• Contingent coupon: 1.03% monthly (equivalent to 12.36% per annum) provided that the closing level is at or above the coupon payment level.
• Coupon payment level: 70.00% of the initial level.
• Autocall: Automatic early redemption at par plus any final coupon payment if the closing level is at or above the autocall level on any autocall observation date. The notes cannot be automatically called prior to the sixth observation date.
• Autocall level: 105.00% of the initial level.
• Barrier protection: 30.00%
• Downside participation: 100.00%, below the barrier level.

Reference Portfolio
Reference asset	Ticker symbol	Exchange
Meta Platforms, Inc. (Class A)	META	Nasdaq

Meta Platforms, Inc. operates a social networking website. The company website allows people to communicate with their family, friends, and coworkers. The company develops technologies that facilitate the sharing of information, photographs, website links, and videos. Its users have the ability to share and restrict information based on their own specific criteria. The reference securities of Meta Platforms, Inc. are listed on the Nasdaq under the symbol META. Additional information about the company and its reference securities can be found at www.sec.gov/edgar, or on its public website at www.facebook.com.

The dividend yield of the reference asset on March 27, 2026 was 0.40%, representing an aggregate dividend yield of approximately 1.21% over the term of the notes (assuming the dividend yield remains constant).

An investment in the notes does not represent a direct or indirect investment in the reference asset. You have no right or entitlement to the dividends or distributions paid on the reference asset.

Additional Details
Fundserv Code	Available Until	Issue Date	Maturity Date	Minimum Investment	Selling Concession
JHN21614	April 16, 2026	April 21, 2026	April 23, 2029	CAD $2,000.00	CAD $2.50

A final base shelf prospectus containing important information relating to the securities described in this document has been filed with the securities regulatory authorities in each of the provinces and territories of Canada. A copy of the final base shelf prospectus, any amendment to the final base shelf prospectus and any applicable base shelf prospectus supplement that has been filed, is required to be delivered with this document. This document does not provide full disclosure of all material facts relating to the securities offered. Investors should read the final base shelf prospectus, any amendment and any applicable base shelf prospectus supplement for disclosure of those facts, especially risk factors relating to the securities offered, before making an investment decision.

BMO

A

For more information, please contact your Investment Advisor.

www.bmonotes.com

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Bank of Montreal
Principal-at-risk Notes

Additional Offering Details
Issuer	Bank of Montreal
Issuer rating	Moody’s: Aa2; S&P: A+; DBRS: AA (long-term deposits > 1 year).
Reference asset	Class A common shares of Meta Platforms, Inc. (ticker: META).
Currency of notes	Canadian dollar (CAD).
Stated principal amount	CAD $100.00 per note.
Minimum investment	CAD $2,000.00 (20 notes).
Issue date	On or around April 21, 2026.
Final valuation date	April 16, 2029, subject to postponement if such date is not an exchange day or a market disruption event occurs.
Maturity date	April 23, 2029, subject to the notes being automatically called by us.
Term	Approximately three (3) years.
Observation and Payment Dates	See "Observation and Payment Dates" below.
Coupon rate	1.03% monthly (equivalent to 12.36% per annum).
Coupon payment level	70.00% of the initial level.
Contingent coupon payments	If the notes have not been redeemed, on each coupon payment date there are two scenarios:
• If the closing level on the immediately preceding coupon observation date is at or above the coupon payment level, you will receive a coupon payment equal to the stated principal amount multiplied by the coupon rate.
• Otherwise, you will not receive a payment on such coupon payment date.
Autocall level	105.00% of the initial level.
Automatic early redemption	The notes will be automatically redeemed on any autocall payment date if, on the corresponding autocall observation date, the closing level is at or above the autocall level. On any such redemption, you will receive a cash payment equal to the stated principal amount, in addition to any final contingent coupon payment. No further payments will be made after such autocall payment date. The notes cannot be automatically called prior to the sixth observation date.
Initial level	The closing level on the issue date.
Final level	The closing level on the final valuation date.
Reference asset return	In respect of any given date, the reference asset return shall be determined in accordance with the following formula:
$$= \frac{\text{closing level} - \text{initial level}}{\text{initial level}}$$
Final reference asset return	The reference asset return on the final valuation date.

BMO
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Client Brochure
IB-2

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Bank of Montreal	Principal-at-risk Notes
Barrier level	70.00% of the initial level.
Downside participation	100.00%, below the barrier level.
Barrier event	Monitoring at maturity only.
Payment at maturity	If the notes have not been redeemed, you will receive at maturity for each note you then hold, in addition to any final contingent coupon payment: • If the final level is at or above the barrier level, a maturity payment equal to CAD $100.00. • If the final level is below the barrier level, a maturity payment directly linked to the performance of the reference asset. The maturity payment will be equal to the following formula, subject to a minimum payment of CAD $1.00: $$= CAD\$100.00 + (CAD\$100.00 \times \text{final reference asset return})$$ If the notes have not been redeemed early, and the final level is below the barrier level, the payment you receive at maturity may be significantly below the stated principal amount of your notes and may be as little as CAD $1.00.
Minimum payment	CAD $1.00 per note.
Additional tax information	For information about the Canadian federal income tax considerations associated with an investment in the notes, see “Tax Considerations – Certain Canadian Federal Income Tax Considerations” in the income product supplement. For information about the eligibility of the notes for investment for certain registered plans, see “Eligibility for Investment” in the income product supplement.
Fundserv code	JHN21614
Currency	The notes are denominated in Canadian dollars and all payments owing under the notes will be made in Canadian dollars. Although the market price of the reference security is quoted in U.S. dollars, whether or not a note is called or a coupon is paid, as well as the calculation of the maturity payment, will be determined based on the reference asset return on the relevant date, which will not be affected by fluctuations in the foreign exchange rate between the U.S. dollar and the Canadian dollar.
Calculation agent	BMO Capital Markets.
Dealer	BMO Nesbitt Burns Inc., an affiliate of ours, and iA Private Wealth Inc., acting as an independent dealer.
Secondary market/early trading charge	The notes will not be listed on any securities exchange. BMO Capital Markets will use reasonable efforts under normal market conditions to provide for a daily secondary market for the sale of the notes through the order entry system operated by Fundserv Inc. but reserves the right to elect not to do so in the future, in its sole and absolute discretion, without prior notice to you. Sale requests need to be initiated by 1:00 p.m. (Toronto time, or such other time as may hereafter be established by us or Fundserv) on a business day. Any request received after such time will be deemed to be a request sent and received in respect of the next following business day. Sale of a Fundserv Note will be effected at a price equal to the bid price for the note, determined by us in our sole and absolute discretion. A sale of a note to BMO Capital Markets prior to maturity may be subject to an early trading charge. If you sell a note within the first 180 days after the issue date, the posted bid price will be

BMO

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Bank of Montreal	Principal-at-risk Notes
	reduced by an early trading charge equal to a percentage of the subscription price determined as set out below.
If notes sold within:	Early trading charge:
0 - 60 Days	3.50%
61 - 120 Days	2.25%
121 - 180 Days	1.00%
Thereafter	Nil
See “Supplemental Plan of Distribution” in the pricing supplement.

BMO

Client Brochure

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Bank of Montreal
Principal-at-risk Notes

Observation and Payment Dates

Observation date	Coupon observation date*	Autocall observation date*	Coupon payment date / Autocall payment date**
1	May 13, 2026	n/a	May 21, 2026 (Not callable)
2	June 15, 2026	n/a	June 22, 2026 (Not callable)
3	July 14, 2026	n/a	July 21, 2026 (Not callable)
4	August 14, 2026	n/a	August 21, 2026 (Not callable)
5	September 14, 2026	n/a	September 21, 2026 (Not callable)
6	October 14, 2026	October 14, 2026	October 21, 2026
7	November 16, 2026	n/a	November 23, 2026 (Not callable)
8	December 14, 2026	n/a	December 21, 2026 (Not callable)
9	January 14, 2027	January 14, 2027	January 21, 2027
10	February 12, 2027	n/a	February 22, 2027 (Not callable)
11	March 15, 2027	n/a	March 22, 2027 (Not callable)
12	April 14, 2027	April 14, 2027	April 21, 2027
13	May 14, 2027	n/a	May 21, 2027 (Not callable)
14	June 14, 2027	n/a	June 21, 2027 (Not callable)
15	July 14, 2027	July 14, 2027	July 21, 2027
16	August 16, 2027	n/a	August 23, 2027 (Not callable)
17	September 14, 2027	n/a	September 21, 2027 (Not callable)
18	October 14, 2027	October 14, 2027	October 21, 2027
19	November 15, 2027	n/a	November 22, 2027 (Not callable)
20	December 14, 2027	n/a	December 21, 2027 (Not callable)
21	January 14, 2028	January 14, 2028	January 21, 2028
22	February 14, 2028	n/a	February 22, 2028 (Not callable)
23	March 14, 2028	n/a	March 21, 2028 (Not callable)
24	April 13, 2028	April 13, 2028	April 21, 2028
25	May 15, 2028	n/a	May 23, 2028 (Not callable)
26	June 14, 2028	n/a	June 21, 2028 (Not callable)
27	July 14, 2028	July 14, 2028	July 21, 2028
28	August 14, 2028	n/a	August 21, 2028 (Not callable)
29	September 14, 2028	n/a	September 21, 2028 (Not callable)
30	October 16, 2028	October 16, 2028	October 23, 2028
31	November 14, 2028	n/a	November 21, 2028 (Not callable)
32	December 14, 2028	n/a	December 21, 2028 (Not callable)
33	January 12, 2029	January 12, 2029	January 22, 2029
34	February 13, 2029	n/a	February 21, 2029 (Not callable)
35	March 14, 2029	n/a	March 21, 2029 (Not callable)
36	April 16, 2029	April 16, 2029	April 23, 2029

• If a scheduled coupon observation date or autocall observation date is not an exchange day for any reason, then such date will be the immediately preceding exchange day. Further, such dates are each also subject to postponement if a market disruption event occurs.
  ** Each coupon payment date and autocall payment date is subject to postponement if such date is not a business day or a market disruption event occurs.

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Client Brochure

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Bank of Montreal
Principal-at-risk Notes

How do the Notes work?

The following hypothetical examples demonstrate how the payment you may receive will be calculated and determined under four different scenarios. The hypothetical closing levels used in these examples are for illustrative purposes only and should not be construed in any way as estimates or forecasts of the future performance of the reference asset or the return that you might realize on the notes. All hypothetical examples assume that no events described under "Certain Additional Terms for Notes Linked to a Reference Company or a Reference ETF" in the income product supplement have occurred during the term. For ease of analysis, figures below have been rounded.

Barrier level/Coupon payment level	Autocall level
70.00% of the initial level	105.00% of the initial level

Example 1: Payment at Maturity (Negative Scenario)

Investor cash flow summary per note
(1) Principal amount paid	CAD $100.00
(2) Total coupons received	CAD $2.06
(3) Maturity payment received	CAD $44.00
(4) Total amount received = (2) + (3)	CAD $46.06
(5) Return on the notes (annualized)	-22.72%

In this hypothetical example, the closing level is below the autocall level on all autocall observation dates, so the notes are not redeemed early. Furthermore, it is above the coupon payment level on the first and second coupon observation dates and below the coupon payment level on all the others, so you would receive two of the coupon payments.

Lastly, the final level is at 44.00% of the initial level, which is below the barrier level, so the final reference asset return is -56.00%. Accordingly, you would receive a maturity payment of CAD $44.00 per note with coupons totalling CAD $2.06 per note over the term of the notes (which is equivalent to a compounded annual loss of 22.72% on the notes).

In this example, the maturity payment is calculated as follows:

$$
\begin{array}{l}
\text{Maturity payment} = \text{CAD} \$100.00 + (\text{CAD} \$100.00 \times \text{final reference asset return}) \
= \text{CAD} \$100.00 + (\text{CAD} \$100.00 \times -56.00\%) \
= \text{CAD} \$44.00
\end{array}
$$

BMO
M
Client Brochure

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Bank of Montreal

Principal-at-risk Notes

Example 2: Payment at Maturity (Neutral Scenario)

Investor cash flow summary per note

(1) Principal amount paid	CAD $100.00
(2) Total coupons received	CAD $9.27
(3) Maturity payment received	CAD $100.00
(4) Total amount received = (2) + (3)	CAD $109.27
(5) Return on the notes (annualized)	2.99%

In this hypothetical example, the closing level is below the autocall level on all autocall observation dates, so the notes are not redeemed early. Furthermore, it is above the coupon payment level on nine of the coupon observation dates and below the coupon payment level on all the others, so you would receive nine of the coupon payments.

Lastly, the final level is at $92.00\%$ of the initial level, which is above the barrier level, so the final reference asset return is $-8.00\%$ . Accordingly, you would receive a maturity payment equal to the principal amount with coupons totalling CAD $9.27 per note over the term of the notes (which is equivalent to a compounded annual return of $2.99\%$ on the notes).

Example 3: Payment at Maturity (Positive Scenario)

Investor cash flow summary per note

(1) Principal amount paid	CAD $100.00
(2) Total coupons received	CAD $37.08
(3) Maturity payment received	CAD $100.00
(4) Total amount received = (2) + (3)	CAD $137.08
(5) Return on the notes (annualized)	11.05%

In this hypothetical example, the closing level is below the autocall level on all autocall observation dates, so the notes are not redeemed early. Furthermore, it is above the coupon payment level on all of the coupon observation dates, so you would receive all of the coupon payments.

Lastly, the final level is at $94.00\%$ of the initial level, which is above the barrier level, so the final reference asset return is $-6.00\%$ . Accordingly, you would receive a maturity payment equal to the principal amount with coupons totalling CAD $37.08 per note over the term of the notes (which is equivalent to a compounded annual return of $11.05\%$ on the notes).

BMO

M

Client Brochure

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Bank of Montreal

Principal-at-risk Notes

Example 4: Automatic Early Redemption

Investor cash flow summary per note

(1) Principal amount paid	CAD $100.00
(2) Total coupons received	CAD $15.45
(3) Maturity payment received (early redemption)	CAD $100.00
(4) Total amount received = (2) + (3)	CAD $115.45
(5) Return on the notes (annualized)	12.19%

In this hypothetical example, the closing level is below the autocall level on all autocall observation dates until the fifteenth observation date. This results in the notes being redeemed early on the autocall payment date corresponding with the fifteenth observation date. Furthermore, it is above the coupon payment level on fifteen of the coupon observation dates, so you would receive fifteen of the coupon payments before the notes are redeemed.

Lastly, the closing level is at $110.00\%$ of the initial level, which is above the autocall level, so the reference asset return is $10.00\%$ and the notes are redeemed early for a value of CAD $100.00. Accordingly, you would receive a maturity payment equal to the principal amount with coupons totalling CAD $15.45 per note over the term of the notes (which is equivalent to a compounded annual return of $12.19\%$ on the notes).

BMO

M

Client Brochure

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Bank of Montreal
Principal-at-risk Notes

Disclaimer

This document should be read in conjunction with Bank of Montreal's short form base shelf prospectus dated May 29, 2025 (the "base shelf prospectus"), the income notes prospectus supplement dated May 29, 2025 (the "income product supplement") and pricing supplement No. 1732 dated April 1, 2026 (the "pricing supplement"), each as amended or supplemented.

Amounts paid to you will depend on the performance of the reference asset. The notes are not designed to be alternatives to fixed income or money market investments. Bank of Montreal does not guarantee that you will receive any return or repayment of your principal investment in the notes at maturity, subject to the minimum payment amount of CAD $1.00 per note. The notes provide contingent protection only, meaning that you could lose some or substantially all of your principal investment in the notes if the final reference asset level is below 70.00% of the initial level on the final valuation date. See "Certain Risk Factors" in the base shelf prospectus, "Risk Factors" in the income product supplement and "Risk Factors" in the pricing supplement.

Prospective purchasers should carefully consider all of the information set forth in the pricing supplement, the income product supplement and the base shelf prospectus and, in particular, should evaluate the specific risk factors set forth under "Risk Factors" in the income product supplement and "Risk Factors" in the pricing supplement.

BMO Nesbitt Burns Inc. is a wholly-owned subsidiary of Bank of Montreal. As a result, Bank of Montreal is a "related issuer" of BMO Nesbitt Burns Inc. for the purposes of National Instrument 33-105 — Underwriting Conflicts. See "Plan of Distribution" in the income product supplement and "Supplemental Plan of Distribution" in the pricing supplement.

The notes have not been and will not be rated. A rating is not a recommendation to buy, sell or hold investments, and may be subject to revision or withdrawal at any time by the relevant rating agency.

The notes will not be deposits that are insured under the Canada Deposit Insurance Corporation Act or any other deposit insurance regime designed to ensure the payment of all or a portion of a deposit upon the insolvency of the deposit taking financial institution. See "Description of the notes — Ranking" in the income product supplement.

The above summary is for information purposes only and does not constitute an offer to sell or a solicitation to purchase notes. The offering and sale of notes may be prohibited or restricted by laws in certain jurisdictions. Notes may only be purchased where they may be lawfully offered for sale and only through individuals qualified to sell them. Unless the context otherwise requires, terms not defined herein will have the meaning ascribed thereto in the pricing supplement. A copy of the pricing supplement, the income product supplement and the base shelf prospectus can be obtained at www.sedarplus.ca.

"BMO (M-bar roundel symbol)", "BMO" and "BMO Capital Markets" are registered trademarks of Bank of Montreal used under license.

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