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Bank of Montreal is offering US$3,090,000 of Senior Medium‑Term Notes, Series K, autocallable barrier notes with contingent coupons due February 09, 2029. The notes are linked to the least performing of the State Street Energy (XLE), Consumer Staples (XLP) and Real Estate (XLRE) Select Sector SPDR ETFs.
The notes pay a contingent coupon of 2.75% per quarter (about 11.00% per year) only if each ETF closes on or above its coupon barrier, set at 70% of its initial level. Starting in August 2026, the notes auto‑redeem if each ETF is at or above its initial level, returning principal plus the due coupon.
If the notes are not called and any ETF finishes below its 70% trigger level on the valuation date, repayment of principal is reduced one‑for‑one with the percentage loss of the worst‑performing ETF, potentially to zero. The estimated initial value is $976.78 per $1,000 principal, below the issue price, reflecting fees and hedging costs.
Bank of Montreal is offering US$685,000 of senior medium‑term autocallable barrier notes due February 9, 2029, linked to the least performing of the State Street Energy (XLE), Consumer Staples (XLP) and Real Estate (XLRE) Select Sector SPDR ETFs.
The notes pay a contingent coupon of 2.425% per quarter (about 9.70% per year) only if each ETF closes on or above its coupon barrier on the observation dates. Starting August 5, 2026, the notes are automatically redeemed if each ETF is at or above its initial level, returning principal plus the coupon.
If not called and no ETF finishes below its 70% trigger level, investors receive full principal at maturity plus any final coupon. If any ETF ends below its trigger level, principal is reduced in line with the loss on the worst ETF, potentially down to zero. The notes are unsecured obligations of Bank of Montreal, with an estimated initial value of $963.97 per $1,000 face amount on the pricing date.
Bank of Montreal is issuing $6,300,000 of Senior Medium-Term Notes, Series K, redeemable fixed rate notes due January 27, 2031. Each note has a $1,000 principal amount and pays 4.40% per annum, with interest paid semi-annually on February 9 and August 9, starting August 9, 2026.
The notes are callable at 100% of principal plus accrued interest on semi-annual optional redemption dates from February 9, 2027 through August 9, 2030. They are unsecured, bail-inable obligations of Bank of Montreal, not insured by any deposit insurance agency, and will not be listed on any securities exchange.
The original issue price is $1,000 per note, including a $10 underwriting discount, providing net proceeds to Bank of Montreal of $6,237,674.10. Investors face credit risk of the bank, potential bail-in conversion into common shares under the Canada Deposit Insurance Corporation Act, call risk, and limited or no secondary market liquidity.
Bank of Montreal is offering Capped Leveraged Index Return Notes linked to the MSCI Emerging Markets Index. Each note has a $10 principal amount, a term of about two years to February 2028, and is a senior unsecured obligation not insured by Canadian or U.S. deposit insurers.
The notes provide 200% leveraged upside, but returns are capped at a Capped Value between $11.65 and $12.05 per unit, representing 16.50% to 20.50% over principal. If the index finishes below 90% of its starting level, investors lose principal, down to a minimum redemption of $1 per unit in the illustrated scenarios.
The public offering price is $10.00 per unit, including a $0.20 underwriting discount and an additional hedging-related charge of $0.05 per unit. The initial estimated value is expected between $9.00 and $9.42 per unit, reflecting BMO’s internal funding rate, structuring costs, and hedging arrangements.
The notes expose investors to risks of emerging markets equities, including political and economic instability, currency restrictions, less robust legal protections, and more volatile and less liquid markets. Payments at maturity depend entirely on index performance and BMO’s credit, and the notes will not be listed on any securities exchange.
Bank of Montreal is issuing US$924,000 of senior medium-term Contingent Risk Absolute Return Buffer Notes due January 6, 2028, linked to the S&P 500 Index. These unsecured notes pay no interest and all payments depend on Bank of Montreal’s credit.
Investors get 1-to-1 upside exposure to S&P 500 gains, capped at a Maximum Redemption Amount of $1,122 per $1,000 (a 12.20% maximum return). If the index finishes below its initial level but at or above 70% of that level, holders earn a 50% leveraged positive return on the decline, up to a Maximum Downside Redemption Amount of $1,150 (15.00% return.
If the index falls more than 30% from its initial level, principal loss is 1% for each extra 1% drop, up to a 70% loss. The notes will not be listed, are sold in $1,000 minimum denominations, and are priced at 100% of principal with a 0.375% selling commission. The estimated initial value is $985.95 per $1,000.
Bank of Montreal is issuing US$4,440,000 of Senior Medium‑Term Notes, Series K, Digital Return Barrier Notes due February 9, 2027, linked to the least performing of the S&P 500 Index, Russell 2000 Index and Nasdaq‑100 Technology Sector Index.
The notes offer a fixed 10.76% digital return per $1,000 if the worst index finishes at or above 70% of its initial level. If the least performing index falls more than 30%, investors lose 1% of principal for each 1% decline and can lose their entire investment. The notes pay no interest, are unsecured obligations subject to Bank of Montreal’s credit risk, and will not be listed on an exchange. Initial estimated value is $988.31 per $1,000, with a 0.20% agent commission and 99.80% proceeds to the issuer.
Bank of Montreal is offering $711,000 of senior Medium-Term Notes, Series K, autocallable buffer notes with step-up call amounts due January 8, 2029, linked to the least performing of the VanEck Gold Miners ETF (GDX) and SPDR S&P Metals & Mining ETF (XME).
The notes can be automatically redeemed beginning February 9, 2027 if both ETFs are at or above their initial levels, paying principal plus call amounts that target about 20% per annum. If never called, a 15% downside buffer applies; below that, principal is reduced one-for-one with further declines. The estimated initial value is $937.14 per $1,000, and the notes are unsecured and not insured by deposit protection schemes.
Bank of Montreal is offering US$1,288,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes with memory coupons due August 06, 2027. The notes are linked to the least performing of the S&P 500 Index, NASDAQ-100 Index and iShares Silver Trust.
Investors may receive a monthly contingent coupon of 1.3333% ($13.333 per $1,000) if on an observation date each reference asset is at or above its coupon barrier, set at 60% of its initial level. Missed coupons can be paid later under a memory feature if barriers are later met.
Beginning August 03, 2026, the notes auto-redeem if each reference asset is at or above its initial level, returning principal plus due coupons. If held to maturity without auto-call, principal is protected only if no trigger event occurs; a trigger happens if any final level is below 50% of its initial level.
If a trigger event occurs, repayment is reduced in proportion to the loss on the least performing asset, potentially resulting in loss of the entire principal. The estimated initial value is $973.14 per $1,000, below the $1,000 issue price, and the notes are unsecured, uninsured obligations of Bank of Montreal.
Bank of Montreal is issuing unsecured, equity-linked notes tied to an unequally weighted basket of five international indices: EURO STOXX 50 (38%), TOPIX (26%), FTSE 100 (17%), SMI (11%) and S&P/ASX 200 (8%). The notes have a principal amount of $1,000, an original issue price of $1,000 and total issuance of $3,925,000, and do not pay interest.
At maturity on January 7, 2028, investors receive: up to $1,240.50 per $1,000 if the basket rises enough to hit the cap level (109.62% of the initial basket level); 250% participation on positive basket returns below the cap; full principal back if the basket is down but not below the 15% buffer; and a leveraged loss of about 1.1765% of principal for each 1% the basket falls beyond the 15% buffer. The initial estimated value is $986.54 per $1,000, and the notes are not listed, not insured and fully subject to Bank of Montreal’s credit risk.
Bank of Montreal is offering $2,750,000 of senior medium-term Notes, Series K, due February 6, 2041. Each Note has a $1,000 principal amount and pays a fixed interest rate of 5.25% per annum in U.S. dollars.
Interest is paid annually on February 6, starting in 2027, until maturity or earlier redemption. Bank of Montreal may redeem the Notes, in whole but not in part, at 100% of principal plus accrued interest on quarterly Optional Redemption Dates from February 6, 2029 through November 6, 2040.
The Notes are unsecured obligations of Bank of Montreal, are not insured by any deposit insurance agency, and will not be listed on any securities exchange, so liquidity may be limited. They are bail-inable under the Canada Deposit Insurance Corporation Act and may be converted into common shares or varied or extinguished in a resolution scenario.
The original issue price is $1,000 per Note, with a $19 underwriting discount and $981 in proceeds to Bank of Montreal per Note, for total proceeds of $2,703,140. Key risks include interest rate risk, issuer credit risk, call risk, potential lack of a trading market and dealer hedging and conflicts of interest.