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Bank of Montreal is issuing US$440,000 of Senior Medium‑Term Notes, Series K, in the form of autocallable barrier notes linked to the least performing of the S&P 500 Index and the Russell 2000 Index. The notes pay contingent monthly coupons of 0.6833% (about 8.20% per year) when both indexes stay at or above preset barrier levels.
The coupon barrier and principal protection trigger for each index are set at 75% of the initial level. Starting July 29, 2026, the notes are automatically redeemed if both indexes close at or above their initial levels, returning principal plus the applicable coupon. If not called and either index finishes below its trigger on the April 28, 2027 valuation date, repayment of principal is reduced one‑for‑one with the decline of the worst index and can fall to zero.
The price to the public is 100% of principal, with an agent’s commission of 0.75% (US$3,300) and proceeds to Bank of Montreal of 99.25% (US$436,700). The estimated initial value is US$978.66 per US$1,000, reflecting structuring and hedging costs, and the notes are unsecured obligations subject to the detailed risk factors and tax treatment described in the related offering documents.
Bank of Montreal is offering S&P 500® Index-linked notes that pay no interest and may be automatically called on February 8, 2027. If called, holders receive $1,000 plus an 8.16% call premium per note on the call payment date.
If not called and held to the stated maturity on February 2, 2028, returns depend on index performance. If the final index level is at or above the initial level of 6,969.01, the payoff is at least the 16.32% maturity premium, with 100% upside participation above that.
A 10% downside buffer protects principal if the index decline is within that range; below 90% of the initial level, holders lose about 1.1111% of principal for every additional 1% drop and could lose their entire investment. The notes are unsecured obligations of Bank of Montreal, not listed on an exchange, and the initial estimated value is $974.79 per $1,000, below the issue price.
Bank of Montreal is offering Accelerated Return Notes linked to the iShares U.S. Aerospace & Defense ETF, with a total public offering price of $18,818,610. These senior unsecured notes pay a leveraged upside of 300% of ETF gains, capped at a Redemption Amount of $11.821 per $10 unit (an 18.21% maximum return) at maturity on March 29, 2027.
If the ETF Ending Value is at or below the Starting Value of $232.78, principal is at risk and losses match the ETF’s decline, up to a total loss. The initial estimated value is $9.67 per unit, below the $10.00 price, reflecting an underwriting discount of $0.175 per unit and a hedging-related charge of $0.05 per unit. Returns exclude ETF dividends, and payments depend on BMO’s creditworthiness and the performance of a sector-concentrated aerospace and defense basket.
Bank of Montreal is issuing Accelerated Return Notes linked to the SPDR Gold Trust, with a $10 principal amount per unit and a total public offering price of $7,685,510.00. The notes mature on March 29, 2027 and are unsecured senior debt subject to BMO’s credit risk.
Holders receive 300% of any positive average return of GLD over the term, capped at a maximum payment of $12.835 per unit, a 28.35% gain. If the ending value equals the starting value of $495.90, investors receive only principal; if it is lower, principal is lost proportionally, up to total loss. The bank’s initial estimated value is $9.70 per unit, below the $10 offering price, reflecting an underwriting discount of $0.175 and a $0.05 hedging-related charge, as well as BMO’s internal funding rate and hedging costs. The notes pay no interest or dividends and do not convey ownership of GLD or gold.
Bank of Montreal is offering Accelerated Return Notes linked to the Russell 2000 Index, with a total public offering of $44,612,070 at $10 per unit. These senior unsecured notes mature on March 29, 2027 and expose holders to BMO’s credit risk.
The notes provide a 300% leveraged upside on any index gain, capped at a maximum redemption of $11.9905 per unit, a 19.905% return over principal. If the index finishes below its starting level of 2,654.776, investors lose principal, potentially all of it.
The initial estimated value is $9.76 per unit, below the offering price, reflecting BMO’s internal funding rate, underwriting discount of $0.175 per unit, and an additional $0.05 per unit hedging-related charge. The notes are not listed on any exchange and are tied to the small-cap focused Russell 2000 Index.
Bank of Montreal is offering Capped Notes with an Absolute Return Buffer linked to the Russell 2000® Index, with a total public offering of $40,363,220 at $10 per unit. The notes mature on March 29, 2027, roughly 14 months from issuance.
Investors receive a 1‑to‑1 index return, up to a maximum of $11.20 per unit (a 12% gain). If the index falls but stays at or above 89.45% of the starting level, they earn a positive return equal to the absolute decline. Below that threshold, principal losses apply. The notes pay no interest or dividends and are subject to BMO’s credit risk, an initial estimated value of $9.73 per unit, fees and hedging charges.
Bank of Montreal is offering Accelerated Return Notes linked to a basket of three large U.S. financial stocks. The notes are 14‑month senior unsecured debt tied to an equally weighted basket of Goldman Sachs, JPMorgan Chase and Morgan Stanley, with a $10 principal amount per unit.
The notes offer a 300% participation rate in any positive basket return, but gains are capped at a Redemption Amount of $12.48 per unit, representing a maximum 24.80% return at maturity. If the basket ends at or below its 100.00 Starting Value, principal is at risk and losses match the basket’s decline, down to a total loss.
The public offering price is $10.00 per unit, including a $0.175 underwriting discount and a $0.05 per unit hedging‑related charge, while BMO’s initial estimated value is $9.65 per unit. Payments depend entirely on basket performance and BMO’s credit, and the notes pay no dividends or periodic interest.
Bank of Montreal is offering senior unsecured Market Linked Securities tied to the worst-performing of the SPDR® Gold Trust (GLD) and iShares® Silver Trust (SLV). Each security has a $1,000 face amount and an estimated initial value of $950.20, which will not be less than $900.00 at pricing.
The notes are auto-callable on March 4, 2027 if the lowest-performing ETF is at or above its starting value, paying back principal plus at least a 44% call premium. If not called, they mature March 2, 2029 with 200% upside participation in the lowest performer, contingent principal protection down to 60% of its start, and full downside exposure below that level. The securities pay no interest and carry the credit risk of Bank of Montreal.
Bank of Montreal updates and restates key terms for its Gold Miners 3X Leveraged ETNs due June 29, 2040, listed on NYSE as GDXU. These unsecured notes target three times the daily performance of the S-Network Gold Miners Index, tracking the VanEck Gold Miners and Junior Gold Miners ETFs.
The ETNs charge a 0.95% annual investor fee and a daily financing charge based on the Federal Reserve Bank Prime Loan Rate plus a financing spread that rises to 5.00% per annum beginning February 6, 2026, subject to a 5.00% cap. Fees, daily compounding, and path‑dependent leverage create a strong “decay” effect, making long holding periods highly risky.
The notes do not pay interest or guarantee principal, can be called by the issuer, and allow large holders to request early redemption subject to a minimum size and a 0.125% redemption fee. The document stresses that these ETNs are short‑term trading tools for sophisticated investors and that it is possible to lose the entire investment even if the underlying index rises over time.
Bank of Montreal is offering Accelerated Return Notes linked to the Russell 2000 Index, with a $10 principal amount per unit and a term of about 14 months, maturing in April 2027. These are unsecured senior debt securities, not insured or principal-protected, and subject to BMO’s credit risk.
The notes provide 300% leveraged upside to index gains, but returns are capped at a Capped Value expected between $11.55 and $11.95 per unit. If the index is flat at maturity, investors receive $10 per unit; if it falls, losses match the index decline on a 1‑for‑1 basis, up to total loss of principal. The initial estimated value is expected between $9.10 and $9.52 per unit, below the $10 public offering price, reflecting dealer discounts, hedging costs, and BMO’s internal funding rate.