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Bank of Montreal is offering US$425,000 of Senior Medium-Term Notes, Series K Capped Buffer Enhanced Return Notes due February 11, 2028, linked to the S&P 500® Futures Excess Return Index. The notes provide 125.00% leveraged upside to index gains, but returns are capped at a Maximum Redemption Amount of $1,246.00 per $1,000 (a 24.60% maximum return).
A 15.00% downside buffer protects principal only if the index decline does not exceed this level; below the buffer, investors lose 1% of principal for each additional 1% drop, with up to an 85.00% loss of principal possible. The notes pay no interest, are unsecured obligations subject to the credit risk of Bank of Montreal, and will not be listed on any exchange. The estimated initial value is $965.38 per $1,000, below the $1,000 price to the public, reflecting offering, structuring and hedging costs.
Bank of Montreal is offering US$997,000 of senior market-linked notes due February 12, 2029, tied to the S&P 500 Index. The notes provide 1‑to‑1 upside on index gains with an Upside Leverage Factor of 100%, but returns are capped at a Maximum Return of 20.25%, or a Maximum Redemption Amount of $1,202.50 per $1,000.
If the S&P 500 ends at or below its initial level of 6,932.30 on the valuation date, investors receive only their $1,000 principal, so there is no downside participation but also no interest payments. The price to the public is 100%, with a 0.75% selling commission and 99.25% of proceeds to Bank of Montreal. The estimated initial value is $987.20 per $1,000, reflecting embedded fees and hedging costs.
The notes are unsecured obligations subject to Bank of Montreal’s credit risk, will not be listed on an exchange, and may have limited or no secondary market. U.S. investors are expected to be taxed under contingent payment debt instrument rules, recognizing ordinary income over the life of the notes regardless of cash receipts.
Bank of Montreal is issuing US$6,000,000 of senior Medium-Term Notes, Series K, structured as autocallable barrier notes due February 11, 2028. The notes pay a contingent coupon of 1.1042% per month (about 13.25% per year) only if on each observation date all three reference indices—the EURO STOXX 50, NASDAQ-100 and Russell 2000—are at or above their respective coupon barrier levels, set at 70% of initial levels.
Beginning August 6, 2026, the notes are automatically redeemed if each index is at or above its initial level, returning principal plus that month’s coupon. If not called, principal repayment at maturity depends on the least-performing index. If any index closes below its trigger level—65% of its initial level—on any day during the monitoring period and its final level is below its initial level, investors lose principal in line with that index’s decline, up to a total loss. The notes are unsecured obligations of Bank of Montreal, with an estimated initial value of $988.09 per $1,000 in principal amount, reflecting structuring and hedging costs.
Bank of Montreal is offering $2,000,000 of senior Medium-Term Notes, Series K, structured as Autocallable Barrier Notes with Memory Coupons due May 11, 2027. The notes are linked to the least performing of the S&P 500 Index, NASDAQ-100 Index and Russell 2000 Index.
Investors may receive monthly contingent coupons of 0.95% (about 11.40% per year), but only if on each observation date all three indices close at or above their coupon barrier levels set at 70% of initial levels. Missed coupons can be paid later under the memory feature if the barriers are met on a future observation date.
Beginning August 6, 2026, the notes are automatically redeemed if each index is at or above its initial level, returning principal plus any due coupons. If the notes are not called and any index ever closes below its 65% trigger level during the monitoring period, and the least performing index finishes below its initial level on the valuation date, principal is reduced one-for-one with the index loss and can fall to zero. The estimated initial value is $987.56 per $1,000 in principal, reflecting structuring and hedging costs, and the notes are unsecured obligations of Bank of Montreal.
Bank of Montreal is offering US$1,130,000 of Senior Medium-Term Notes, Series K, callable barrier notes with contingent coupons due January 11, 2028. The notes are linked to the least performing of VanEck Junior Gold Miners ETF (GDXJ), SPDR S&P Regional Banking ETF (KRE) and the Nasdaq-100 Technology Sector Index (NDXT).
The notes pay a contingent coupon of 1.9167% per month (approximately 23.00% per annum) for each US$1,000 in principal, but only if on an observation date each reference asset is at or above its coupon barrier level, set at 70% of its initial level. Beginning November 9, 2026, Bank of Montreal may call the notes in whole on any observation date, returning principal plus any due coupon.
If the notes are not called, at maturity investors receive US$1,000 per US$1,000 principal unless a trigger event occurs. A trigger event occurs if on the valuation date any reference asset is below its trigger level, set at 60% of its initial level. In that case, repayment is reduced in line with the percentage decline of the least performing asset and can be zero. The estimated initial value is US$979.22 per US$1,000, below the price to the public, reflecting fees and hedging costs, and the notes are unsecured, uninsured obligations subject to the detailed risks described in the accompanying documents.
Bank of Montreal is offering US$1,916,000 of senior medium-term Autocallable Buffer Notes due February 11, 2030, linked to the worst performer of SPDR Gold Trust (GLD) and iShares Silver Trust (SLV).
The notes can be automatically redeemed from February 11, 2027 onward if both GLD and SLV are at or above 90% of their initial levels, paying principal plus a step-up Call Amount that equates to a 17.25% per annum return. If held to maturity and not called, investors are protected against losses as long as the least-performing asset is not below 70% of its initial level; below that buffer, principal is reduced 1% for each 1% decline beyond 30%. The estimated initial value is $953.58 per $1,000 of principal, reflecting structuring and hedging costs.
Bank of Montreal is issuing $3,052,000 of Senior Medium-Term Notes, Series K, due January 11, 2028. These are callable barrier notes with contingent monthly coupons linked to the least-performing of VanEck Junior Gold Miners ETF (GDXJ), SPDR S&P Regional Banking ETF (KRE) and the Nasdaq-100 Technology Sector Index (NDXT).
The notes pay a contingent coupon of 1.6792% per month (approximately 20.15% per annum) when each reference asset stays at or above its coupon barrier, set at 70% of its initial level. Principal is protected at maturity only if no trigger event occurs; the trigger levels are 60% of initial levels. If any reference asset finishes below its trigger level, repayment of principal is reduced one-for-one with the loss on the worst performer and can fall to zero.
Bank of Montreal may call the notes in whole, but not in part, on monthly observation dates starting May 6, 2027, returning principal plus any coupon due. The estimated initial value is $978.13 per $1,000 of principal, reflecting hedging costs, commissions and the issuer’s funding spread. The notes are unsecured obligations, not insured deposits, and involve complex market, credit and structural risks highlighted in the risk sections.
Bank of Montreal is offering US$833,000 of senior medium-term callable barrier notes due August 11, 2027, linked to the least-performing of the S&P 500, Russell 2000 and Nasdaq-100 Technology Sector indices.
The notes pay a contingent coupon of 0.7417% per month (approximately 8.90% per year), or $7.417 per $1,000, but only if on each observation date all three indices close at or above their coupon barrier levels, set at 70% of their initial levels.
Beginning May 6, 2026, the issuer may call the notes in whole on any observation date, returning principal plus any due coupon. If the notes are not called and any index finishes below its 70% trigger level on the valuation date, repayment of principal is reduced in line with the worst-performing index and can fall to zero. The notes are unsecured obligations, carry complex U.S. tax treatment as pre-paid contingent income-bearing derivative contracts, and have an estimated initial value of $968.24 per $1,000, below the public offering price.
Bank of Montreal is issuing US$2,006,000 of Senior Medium-Term Notes, Series K, as autocallable buffer notes linked to SPDR® Gold Trust (GLD) and iShares® Silver Trust (SLV), due February 11, 2030. The notes are unsecured obligations of Bank of Montreal.
The notes can be automatically redeemed starting February 11, 2027 if the closing level of each ETF is at or above 90% of its initial level, paying principal plus a step-up Call Amount that equates to a 15.00% per annum return. If never called, payment at maturity depends on the worst ETF.
Investors receive full principal at maturity only if the least-performing ETF does not fall more than 30.00% from its initial level. Below this 30.00% buffer, redemption is reduced dollar-for-dollar, with potential loss of up to 70.00% of principal. The public issue price is 100% of principal, while the estimated initial value is $934.94 per $1,000, reflecting structuring and hedging costs. No physical delivery of GLD or SLV shares is available; all payments are in cash.
Bank of Montreal is offering US$1,501,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes due February 11, 2028, linked to Honeywell stock and the Industrial Select Sector SPDR ETF. The notes pay a monthly coupon of 0.655% (about 7.86% per year) and can be automatically redeemed starting February 8, 2027 if each reference asset is at or above its initial level. If not called, investors receive full principal at maturity unless either asset finishes below a 65% trigger level, in which case repayment is reduced in line with the worst performer and can fall to zero. The estimated initial value is $983.77 per $1,000, reflecting structuring and hedging costs, and the notes are unsecured obligations of Bank of Montreal.