\begin{align}
-\frac{\hbar}{2md^2}&\left(\begin{array}{cccccccc}
-2 & 1 & & & \\
1 & -2 & 1 & & \\
&\ddots&\ddots&\ddots& \\
& & 1 & -2 & 1 \\
& & & 1 & -2 \\
\end{array}\right)
\left(\begin{array}{c}
\psi_1 \\
\psi_2 \\
\vdots \\
\psi_{N-1} \\
\psi_N
\end{array}\right) +\\
&\qquad\qquad\quad\left(\begin{array}{cccccccc}
V_1 & & & & \\
& V_2 & & & \\
& & \ddots & & \\
& & & V_{N-1} & \\