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Bank of Montreal is issuing US$699,000 of Senior Medium-Term Notes, Series K, barrier notes with contingent coupons due February 5, 2029, linked to the least performing of the Russell 2000® Index and the S&P 500® Index.
The notes pay a 3.675% semiannual contingent coupon (about 7.35% per year), but only if on each observation date both indexes are at or above their coupon barrier levels, set at 75% of their initial levels. Otherwise, no coupon is paid for that period.
At maturity, investors receive the full $1,000 principal per note only if no trigger event occurs. A trigger event occurs if the final level of either index is below its 75% trigger level on the valuation date. In that case, repayment is reduced in line with the loss of the worst-performing index and can fall to zero.
The price to the public is 100% of principal, with a 2.50% agent’s commission. The estimated initial value is $951.20 per $1,000, reflecting fees and the bank’s internal funding and hedging assumptions.
Bank of Montreal is offering US$1,657,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes with contingent coupons due February 4, 2028, linked to the common stock of Devon Energy Corporation.
The notes pay a contingent coupon of 2.8375% per quarter (about 11.35% per year) when Devon’s share price is at or above the coupon barrier of $24.13, which is 60% of the $40.21 initial level. Beginning April 29, 2026, the notes are automatically redeemed if Devon’s stock closes above the initial level on an observation date, returning principal plus the applicable coupon.
If the notes are not called and Devon’s final level is below the $24.13 trigger level, investors receive shares (or cash) worth less than the principal, potentially zero. The estimated initial value is $972.38 per $1,000, with a 1.75% agent’s commission and 98.25% of proceeds to Bank of Montreal.
Bank of Montreal is offering US$665,000 of senior Medium-Term Notes, Series K, maturing on August 4, 2027, that are linked to the SPDR S&P 500 ETF Trust (SPY). The notes provide 200% leveraged upside on any gain in SPY, but the total payment is capped at a Maximum Redemption Amount of $1,120.50 per $1,000 of principal, a 12.05% maximum return.
The notes feature a 10% downside buffer: if SPY’s final level is between 90% and 100% of its initial level of $691.97, investors receive principal back. If SPY falls more than 10%, investors lose 1% of principal for each 1% additional decline, with losses up to 90% possible.
The notes pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on any exchange. The agent’s commission is 2.25%, and the estimated initial value is $970.86 per $1,000, reflecting structuring and hedging costs as well as Bank of Montreal’s internal funding rate.
Bank of Montreal is offering US$533,000 of Senior Medium-Term Notes, Series K, Capped Buffer Notes due February 5, 2029, linked to the iShares MSCI EAFE ETF. These unsecured notes provide 1-to-1 exposure to any positive ETF performance, capped at a 100% maximum return ($2,000 per $1,000).
The notes include a 20% downside buffer; below that, investors lose 1% of principal for each additional 1% ETF decline, up to an 80% loss. The notes pay no interest, are not exchange-listed, and carry Bank of Montreal credit risk. The estimated initial value is $981.01 per $1,000.
Bank of Montreal is offering US$502,000 of senior medium-term Capped Buffer Notes due February 5, 2029, linked to the Russell 2000® Index. The notes give 1-to-1 upside exposure to index gains, but returns are capped at a Maximum Redemption Amount of $1,473 per $1,000, a 47.30% maximum gain.
The notes protect principal against index losses up to a 20.00% decline; if the index falls more than 20.00%, holders lose 1% of principal for each additional 1% drop, up to an 80.00% loss. The notes pay no interest, are not listed on any exchange, and all payments depend on Bank of Montreal’s credit. The initial estimated value is $979.84 per $1,000, below the public offering price, reflecting offering, structuring, and hedging costs.
Bank of Montreal is offering Accelerated Return Notes linked to the EURO STOXX 50® Index, maturing in April 2027. Each note has a $10 principal amount and offers a 300% participation rate in any positive index return, but gains are capped at a Capped Value between $11.60 and $12.00 per unit.
If the index level at maturity is below its starting level, investors lose principal in line with the index decline, up to a total loss. The notes are unsecured senior debt subject to BMO’s credit risk, are not insured or exchange-listed, and have an initial estimated value of $9.10 to $9.59 per unit, below the $10 public offering price due to dealer discounts and hedging-related charges.
Bank of Montreal is offering senior medium-term, equity index-linked notes tied to the worst performer of the Nasdaq-100, S&P 500 and EURO STOXX 50, maturing on February 2, 2029. Each security has a $1,000 face amount, with total original offering proceeds of $1,388,630.75 before issuer costs.
The notes provide 150% leveraged upside participation, but gains are capped at a 43% maximum return, or $1,430 per security. A 24% downside buffer applies, but investors can still lose up to 76% of principal if the lowest-performing index finishes below 76% of its starting level.
The estimated initial value is $959.04 per security, below the $1,000 issue price, reflecting structuring and hedging costs. The notes pay no interest, are unsecured obligations of Bank of Montreal, are not FDIC- or CDIC-insured, and are not listed on any exchange, so liquidity may be limited.
Bank of Montreal plans to issue senior unsecured equity-linked notes tied to the lowest performer of Amazon, NVIDIA and UnitedHealth, maturing in February 2029. Each security has a $1,000 face amount and pays a contingent monthly coupon at a rate of at least 19.40% per year if, on the relevant observation date, the lowest-performing stock is at or above 70% of its initial level, with a memory feature for missed coupons.
The notes are auto-callable from May 2026 if the lowest-performing stock is at or above 90% of its initial level, in which case investors receive $1,000 plus the applicable coupon(s). If not called, and on the final observation the lowest-performing stock is below 70% of its initial level, repayment of principal is reduced one-for-one with that stock’s loss, potentially to zero. Investors do not participate in any upside of the stocks, face full downside exposure below the barrier, and are exposed to Bank of Montreal credit risk.
Bank of Montreal is offering senior unsecured market-linked notes that pay a high contingent coupon and are tied to the worst performer among Apple, Intel, and JPMorgan common stocks. Each security has a $1,000 face amount and a term running to about February 10, 2028.
The contingent coupon rate will be at least 20.60% per annum, paid quarterly only if the lowest performing stock on each calculation day is at or above 60% of its initial level. Missed coupons can be paid later under a “memory” feature if conditions are later met.
The notes are auto-callable from May 2026 to November 2027 if the lowest performing stock is at or above its starting value, returning principal plus due coupons. If never called, principal is protected only down to 60% of the worst stock’s starting value; below that level, repayment is reduced in line with that stock’s loss, and investors can lose most or all of principal. The estimated initial value is $964.20 per security, and will not be less than $914.00 at pricing. All payments depend on Bank of Montreal’s credit and the notes are not insured or bail-inable.
Bank of Montreal is offering senior medium-term notes that pay fixed interest of 4.40% per year and are scheduled to mature on February 18, 2031. Each note has a principal amount of $1,000, with semi-annual interest payments every February 18 and August 18, starting August 18, 2026.
The notes can be redeemed early by the bank at 100% of principal plus accrued interest on specified semi-annual dates from February 18, 2027 through August 18, 2030, but investors cannot require early repayment. They are unsecured obligations, not listed on any exchange, and subject to the bank’s credit risk.
The notes are also designated as bail-inable under Canadian law, meaning they may be converted into common shares of Bank of Montreal or an affiliate, or varied or extinguished, if Canadian resolution powers are exercised. An underwriting discount of $10 per $1,000 note applies, with Bank of Montreal receiving $990 in proceeds per note sold.