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Bank of Montreal is issuing US$518,000 of Senior Medium-Term Notes, Series K, market-linked notes due August 5, 2030, tied to the S&P 500® Index. The notes offer 1-to-1 upside exposure to index gains, capped at a Maximum Redemption Amount of $1,380 per $1,000 principal, a 38% maximum return.
If the index ends at or below its initial level, investors receive only the $1,000 principal per note, with no loss of principal but also no interest. The notes are unsecured obligations of Bank of Montreal, subject to its credit risk, and had an estimated initial value of $986.33 per $1,000 on the pricing date.
Bank of Montreal is offering US$288,000 of senior Market Linked Notes tied to the S&P 500® Index, maturing on August 4, 2031. The notes provide 1‑to‑1 upside exposure to the index, but gains are capped at a 40.00% Maximum Return, for a Maximum Redemption Amount of $1,400 per $1,000 principal.
If the S&P 500 Final Level is at or below its Initial Level of 6,939.03, investors receive only their principal back, with no additional return. The notes pay no interest, are not exchange‑listed, and all payments depend on Bank of Montreal’s credit. The price to the public is 100% of principal, including a 3.00% agent’s commission, while the bank’s estimated initial value is $950.33 per $1,000, reflecting structuring and hedging costs.
Bank of Montreal is issuing US$667,000 of senior unsecured medium-term notes linked to the S&P 500® Index, offering equity-linked exposure with limited upside and conditional downside protection.
The notes pay no interest and mature on April 21, 2027. If the index is at or above its initial level on the valuation date, investors receive a 5.80% digital return, or $1,058 per $1,000. If the index is below the initial level but at or above 94.20% of it, holders receive the 5.80% digital return plus participation in the decline, up to $1,116 per $1,000. If the index closes between 80.00% and 94.20% of its initial level, the payoff tracks the index decline but is capped at a maximum of $1,200 per $1,000 (a 20.00% gain).
If the index falls more than 20.00% from its initial level, principal is exposed 1-for-1 beyond that buffer, and investors can lose up to 80.00% of principal. The notes are unsecured obligations of Bank of Montreal, are not insured, will not be listed on an exchange, and have an estimated initial value of $989.44 per $1,000, below the public offering price due to commissions, hedging costs and fees.
Bank of Montreal is issuing US$509,000 of Senior Medium-Term Notes, Series K, Digital Contingent Risk Absolute Return Buffer Notes due April 21, 2027, linked to the SPDR S&P 500 ETF Trust (SPY). The notes offer a digital return of 5.85% if SPY’s final level is at or above its initial level.
If SPY finishes below the initial level but at or above 94.15% of it, holders receive the 5.85% digital return plus participation in the decline, up to $1,117 per $1,000. If SPY ends between 80% and 94.15% of the initial level, investors participate in the absolute decline up to a maximum redemption of $1,200 per $1,000 (a 20% gain).
If SPY falls more than 20% from its initial level, investors lose 1% of principal for each additional 1% drop, down to as little as $200 per $1,000. The notes pay no interest, are unsecured obligations of Bank of Montreal, and are not insured by any deposit insurance scheme. Estimated initial value is $989.76 per $1,000, with 0.50% agent’s commission and 99.50% of proceeds to Bank of Montreal.
Bank of Montreal is offering US$1,345,000 of Senior Medium-Term Notes, Series K, capped buffer notes due February 5, 2029, linked to Alphabet Inc. Class C stock. The notes provide 1-to-1 upside exposure to Alphabet, but gains are capped at a Maximum Redemption Amount of $1,761 per $1,000 (a 76.10% maximum return).
The notes include a 15% downside buffer: if Alphabet’s final level is at least 85% of its initial $338.53 level, investors receive principal back. Below that buffer, principal is reduced 1% for each 1% additional decline, with up to 85% loss of principal. The notes pay no interest, are unsecured obligations of Bank of Montreal, will not be listed on an exchange, and carry both BMO credit risk and liquidity risk. The price to public is 100% of principal, with a 3.60% agent commission and 96.40% proceeds to BMO. The estimated initial value is $951.25 per $1,000, reflecting offering, structuring and hedging costs.
Bank of Montreal is issuing US$2,191,000 of Senior Medium-Term Notes, Series K, Digital Return Barrier Notes due February 5, 2029, linked to the S&P 500, Russell 2000 and Dow Jones Industrial Average. These notes offer a 20.01% fixed “Digital Return” if the least performing index is at or above 70% of its initial level at maturity, or full upside participation when that index gains more than 20.01%.
If the least performing index falls more than 30% (below 70% of its initial level), investors lose 1% of principal for each 1% decline, up to a total loss. The notes pay no interest, are unsecured obligations of Bank of Montreal, and had an estimated initial value of $974.89 per $1,000 on the pricing date, reflecting offering and hedging costs.
Bank of Montreal is issuing US$1,839,000 of Series K senior medium‑term capped buffer notes linked to the S&P 500 Index, maturing on February 4, 2027. These unsecured notes offer 1‑to‑1 upside exposure to the index but cap total return at 6.20%, or $1,062 per $1,000.
If the S&P 500 falls by up to 30% from the initial level of 6,939.03, investors receive their $1,000 principal at maturity. If it falls more than 30%, principal is reduced 1% for each additional 1% decline, with losses up to 70% of principal.
The notes pay no interest, will not be listed on an exchange, and are subject to Bank of Montreal’s credit risk. The bank’s estimated initial value is $986.80 per $1,000, below the public issue price, reflecting structuring, distribution and hedging costs. Proceeds to Bank of Montreal are shown as $1,829,805 after a 0.50% agent’s commission.
Bank of Montreal is offering US$1,690,000 of Senior Medium-Term Notes, Series K, Capped Buffer Enhanced Return Notes due February 4, 2028, linked to the iShares MSCI EAFE ETF. These notes provide 200% leveraged upside on any gain in the ETF, but gains are capped.
The Maximum Redemption Amount is $1,340 per $1,000 of principal, a maximum return of 34%. A 10% downside buffer applies, but if the ETF falls more than 10% from the Initial Level of $100.74, investors lose 1% of principal for each additional 1% decline, up to a 90% loss.
The notes pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on any exchange. The estimated initial value is $1,021.26 per $1,000, higher than the public issue price of 100% due to internal valuation and hedging assumptions. Investors face issuer credit risk, market risk tied to foreign equities and currencies, liquidity risk, and tax uncertainty.
Bank of Montreal is issuing US$1,309,000 of Senior Medium‑Term Notes, Series K, Capped Buffer Enhanced Return Notes due February 4, 2028, linked to the Russell 2000® Index. The notes offer 200.00% leveraged upside on index gains, but the payment at maturity is capped at a Maximum Redemption Amount of $1,291.60 per $1,000 in principal, a 29.16% maximum return.
The structure includes a 10.00% downside buffer: if the index falls by no more than 10% from its Initial Level of 2,613.743, investors receive their $1,000 principal back. If the Final Level is below 90% of the Initial Level (Buffer Level 2,352.369), investors lose 1% of principal for each 1% additional decline, up to a 90.00% loss.
The notes pay no interest, will not be listed on any exchange, and are unsecured obligations of Bank of Montreal, exposing holders to the bank’s credit risk. The price to the public is 100% of principal, with a 0.70% agent’s commission and 99.30% proceeds to Bank of Montreal. The estimated initial value is $988.70 per $1,000, reflecting offering, structuring and hedging costs.
Bank of Montreal is offering US$2,513,000 of senior medium-term notes linked to the State Street SPDR S&P 500 ETF (SPY), maturing February 4, 2028. The notes provide 200% leveraged upside on any gain in SPY, but total return is capped at a Maximum Redemption Amount of $1,214 per $1,000 of principal (a 21.40% maximum gain). If SPY falls up to 10% from the Initial Level of $691.97, investors receive only their principal back. Below the 10% buffer (a Buffer Level of $622.77), investors lose 1% of principal for each additional 1% decline and can lose up to 90% of principal. The notes pay no interest, are unsecured obligations of Bank of Montreal, will not be listed on any exchange, and their value is subject to the bank’s credit risk and to secondary market and hedging costs. The estimated initial value is $989.67 per $1,000, below the $1,000 price to the public, reflecting offering, structuring and hedging costs.