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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.
Bank of Montreal is issuing US$442,000 of senior medium-term capped barrier enhanced return notes linked to the Russell 2000® Index. These unsecured notes offer 200% leveraged upside on index gains, capped at a 16.25% maximum return, and do not pay periodic interest.
If the index falls more than 15% from the initial level, investors lose 1% of principal for each additional 1% decline and can lose their entire investment at maturity. A 15% buffer preserves principal for moderate declines. The notes are not listed, carry Bank of Montreal credit risk, and had an estimated initial value of $970.70 per $1,000 on pricing.
Bank of Montreal is issuing US$2,425,000 of senior Medium-Term Notes, Series K, as autocallable barrier notes with memory coupons due May 4, 2027, linked to the S&P 500, NASDAQ-100 and Russell 2000 indexes.
The notes pay a contingent coupon of 0.925% per month (about 11.10% per year) on observation dates when all three indexes close at or above their coupon barrier levels, with unpaid coupons potentially paid later under a memory feature. Beginning July 30, 2026, the notes redeem early at par plus due coupons if all indexes are at or above their initial levels.
If not called, investors receive full principal at maturity unless a trigger event has occurred and the least-performing index finishes below its initial level, in which case repayment is reduced one-for-one with that index’s loss and can be zero. The notes are unsecured obligations, not insured deposits, and their estimated initial value is $985.85 per $1,000 in principal.
Bank of Montreal is offering US$1,696,000 of Senior Medium-Term Notes, Series K Barrier Enhanced Return Notes due February 5, 2029, linked to the least performing of the S&P 500 Index and the Nasdaq-100 Technology Sector Index.
The notes provide 132% leveraged upside on any positive performance of the worst-performing index, but if that index falls more than 30% from its initial level, 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.
The price to the public is 100% of principal, with a 0.25% agent’s commission and 99.75% proceeds to Bank of Montreal. The estimated initial value is $982.04 per $1,000, reflecting structuring and hedging costs.
Bank of Montreal is issuing $3,705,000 of Senior Medium-Term Notes, Series K, in the form of Callable Barrier Notes with Contingent Coupons due February 5, 2029. These notes are linked to the least performing of the S&P 500 Index, NASDAQ-100 Index and Russell 2000 Index.
Investors may receive semiannual contingent coupons at a rate of 4.075% per period (approximately 8.15% per year) if, on each observation date, all three indices are at or above their coupon barrier levels, set at 60% of their respective initial levels. The issuer can call the notes in whole, beginning July 31, 2026, paying principal plus any due coupon on the call settlement date.
If the notes are not called and no trigger event occurs, investors receive full principal at maturity plus any final coupon. A trigger event occurs if, on the valuation date, the final level of any index is below its trigger level, also set at 60% of its initial level; in that case, repayment is reduced in proportion to the loss of the least performing index and can be zero. The estimated initial value is $981.97 per $1,000 of principal, reflecting structuring and hedging costs.
Bank of Montreal is offering US$1,831,000 of Series K senior medium‑term barrier notes due February 5, 2029, linked to the Russell 2000® Index and the S&P 500® Index.
The notes pay a contingent coupon of 4.20% per semiannual period (approximately 8.40% per annum) only if, on each observation date, both indices are at or above 75% of their initial levels. At maturity, investors receive full principal back if no trigger event occurs. If either index finishes below its 75% trigger level, repayment is reduced one‑for‑one with the percentage loss of the worst‑performing index, and can fall to zero.
The notes are unsecured obligations of Bank of Montreal, not insured by any deposit insurance scheme. The estimated initial value is $975.57 per $1,000 principal amount, reflecting structuring and hedging costs, and the issuer expects to treat the notes as pre‑paid contingent income‑bearing derivative contracts for U.S. federal tax purposes.