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Bank of Montreal is issuing US$749,000 of senior medium-term Autocallable Barrier Notes due January 5, 2029, linked to the least performing of the S&P 500, EURO STOXX 50 and Russell 2000 indices. The notes offer a 2.375% quarterly contingent coupon (about 9.50% per year), paying only if on each observation date all three indices are at or above their respective coupon barrier levels, set at 75% of their initial levels.
Beginning June 30, 2026, the notes are automatically redeemed if on an observation date each index is at or above its initial level, returning principal plus the coupon for that quarter. If the notes are not called, at maturity investors receive full principal only if no index finishes below its 75% trigger level; otherwise repayment is reduced in line with the loss on the worst-performing index, and can fall to zero. The notes are unsecured obligations, not insured deposits, and the estimated initial value is $970.44 per $1,000 of principal.
Bank of Montreal is offering US$1,535,000 of Senior Medium-Term Notes, Series K, barrier notes with contingent coupons due January 7, 2030, linked to the least performing of the Russell 2000® Index and the S&P 500® Index. The notes pay a contingent coupon of 1.775% per quarter (about 7.10% per year), but only if on each observation date both indexes close at or above their coupon barrier levels, set at 65% of their initial levels.
At maturity, holders receive $1,000 per $1,000 principal as long as neither index has fallen below its trigger level (also 65% of its initial level). If a trigger event occurs, repayment is reduced in line with the percentage loss of the worst-performing index, and can be as low as zero, though any final contingent coupon that is due will still be paid. The estimated initial value is $982.20 per $1,000 note, reflecting structuring and hedging costs and meaning secondary market values may be below the price to the public.
Bank of Montreal is offering US$2,404,000 of Senior Medium-Term Notes, Series K, in the form of Autocallable Barrier Notes with Memory Coupons due January 5, 2029. The notes are linked to the worst performer among Apple (AAPL), Alphabet Class C (GOOG) and Amazon (AMZN), with initial levels of $273.08, $314.55 and $232.53, respectively.
The notes pay contingent coupons at 3.60% per quarter (approximately 14.40% per year), or $36.00 per $1,000, only if on an observation date each stock closes at or above its coupon barrier, set at 60.00% of its initial level. Missed coupons can be paid later if the barrier is met, under the memory feature, but investors may receive no coupons over the life of the notes.
Beginning June 30, 2026, the notes are automatically redeemed if each stock closes above its initial level on an observation date, returning principal plus due coupons. If not called, investors receive $1,000 per note at maturity unless any stock finishes below its 60.00% trigger level, in which case repayment is reduced in line with the percentage loss of the worst-performing stock and can be zero. The estimated initial value is $981.73 per $1,000.
Bank of Montreal is offering US$2,281,000 of senior medium-term Capped Buffer Notes linked to the S&P 500 Index, maturing in January 2027. The notes provide 1-to-1 upside exposure to S&P 500 gains, but payouts are capped at a Maximum Redemption Amount of $1,067.50 per $1,000 of principal, equal to a 6.75% maximum return. If the index falls by up to 30% from the Initial Level of 6,896.24, investors receive their $1,000 principal back at maturity.
If the index declines by more than 30%, repayment is reduced dollar-for-dollar beyond that buffer, with up to 70% of principal at risk. The notes pay no interest, are unsecured obligations subject to Bank of Montreal’s credit risk, and are not listed on any exchange. The initial estimated value is $990.76 per $1,000, below the public offering price, reflecting offering, structuring and hedging costs and the issuer’s internal funding rate.
Bank of Montreal is offering $1,404,000 of Senior Medium-Term Notes, Series K, Capped Buffer Notes due January 5, 2029, linked to the common stock of NVIDIA Corporation (NVDA). The notes provide 1-to-1 upside exposure to NVIDIA’s share price with an Upside Leverage Factor of 100%, but the payment at maturity is capped at a Maximum Redemption Amount of $2,165.00 per $1,000 principal, a 116.50% maximum return.
The structure includes a 15.00% downside buffer: investors receive full principal back at maturity if NVIDIA’s final level is at or above 85.00% of the Initial Level of $187.54. If NVIDIA falls below this Buffer Level, principal is reduced 1% for each 1% decline beyond 15%, with a potential loss of up to 85.00% of principal. The notes pay no interest, are not listed on any exchange, and are unsecured obligations exposed to the credit risk of Bank of Montreal.
The price to the public is 100% of principal, with an agent’s commission of 3.65% and proceeds to Bank of Montreal of 96.35%. The estimated initial value is $951.62 per $1,000, reflecting structuring and hedging costs. Liquidity, market value, tax treatment, and potential conflicts of interest are highlighted as key risks.
Bank of Montreal is issuing $125,000 of Senior Medium-Term Notes, Series K, Capped Buffer Enhanced Return Notes due July 5, 2030, linked to the S&P 500® Index. For each $1,000 note, investors receive 150% of any positive S&P 500® return, but the payoff is capped at a Maximum Redemption Amount of $1,520, representing a 52.00% maximum return.
If the index is flat or down by up to 10.00%, investors get back their $1,000 principal. If the index falls by more than 10.00%, investors lose 1% of principal for each additional 1% decline, with losses up to 90.00% of principal. The notes pay no interest, will not be listed on any exchange, and are unsecured obligations subject to the credit risk of Bank of Montreal.
The initial level of the S&P 500® is set at 6,896.24, with a buffer level of 6,206.62. The bank’s estimated initial value is $974.91 per $1,000, reflecting offering and hedging costs, and all proceeds (100% of the price to the public) go to Bank of Montreal.
Bank of Montreal is offering US$2,266,000 of autocallable buffer enhanced return notes linked to the worst performer of the S&P 500 Index and Russell 2000 Index, maturing on January 5, 2029. The notes pay no interest and are unsecured obligations, not listed on any exchange and not insured by any deposit insurer.
On January 6, 2027, if both indexes close above 100% of their initial levels, the notes are automatically redeemed at par plus a call amount of $137.50 per $1,000, reflecting a return of approximately 13.75% per year. If held to maturity and the least performing index finishes at or above its initial level, investors receive par plus 125% of any index gain; if it finishes between 80% and 100% of its initial level, investors receive only their principal.
If the least performing index falls below 80% of its initial level, repayment is reduced 1% for each 1% decline beyond that buffer, up to a maximum loss of 80% of principal. The estimated initial value is $986.40 per $1,000, and all payments depend on Bank of Montreal’s credit.
Bank of Montreal is offering US$400,000 of Senior Medium-Term Notes, Series K, Autocallable Buffer Enhanced Return Notes due January 5, 2029, linked to the worst performer of the S&P 500 Index and Russell 2000 Index. The notes offer 125% leveraged upside at maturity if they are not called and the least performing index is at or above its initial level.
On January 6, 2027, if each index is above 100% of its initial level, the notes are automatically redeemed and investors receive principal plus a $100 Call Amount per $1,000, equal to about 10% per year, with no further payments. The structure includes a 20% downside buffer; if the least performing index falls more than 20%, investors lose 1% of principal for each 1% decline beyond that level, up to an 80% loss.
The notes pay no interest, will not be listed on an exchange, and all payments depend on the creditworthiness of Bank of Montreal. The price to the public is 100% of principal, with a 2% selling commission, while the estimated initial value is $966.46 per $1,000, reflecting structuring and hedging costs.
Bank of Montreal is issuing US$458,000 of Senior Medium-Term Notes, Series K, maturing on January 5, 2029, whose payoff is linked to the S&P 500® Index. The notes offer 100% upside participation in any index gain, but returns are capped at a Maximum Redemption Amount of $1,320 per $1,000 of principal, a 32.00% maximum return. A 15.00% buffer protects against moderate losses, but if the index falls by more than 15.00% from the Initial Level of 6,896.24, investors lose 1% of principal for each additional 1% decline, up to an 85.00% loss of principal.
The notes pay no interest, will not be listed on any exchange, and all payments depend on the credit of Bank of Montreal. The estimated initial value is $968.01 per $1,000, below the public offering price, reflecting offering and hedging costs. BMOCM acts as calculation agent and selling agent, and various structural, market, liquidity and tax risks are highlighted.
Bank of Montreal is issuing US$195,000 of senior Medium-Term Notes, Series K, Capped Buffer Enhanced Return Notes linked to the S&P 500® Index, maturing on July 7, 2031. These notes offer 150% leveraged upside on any gain in the index, but the total payoff is capped at a Maximum Redemption Amount of $1,555 per $1,000 principal, equivalent to a 55.50% maximum return.
If the S&P 500® falls by up to 10% from the initial level of 6,896.24, investors receive only their $1,000 principal. If it falls by more than 10%, investors lose 1% of principal for each additional 1% decline, and could lose up to 90% of their investment. The notes pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on any exchange.
The price to the public is 100% of principal, with a 3.00% agent’s commission and 97.00% of proceeds to Bank of Montreal. The estimated initial value is $939.49 per $1,000, reflecting structuring and hedging costs and the bank’s internal funding rate.