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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.
Bank of Montreal is offering Accelerated Return Notes linked to the Invesco S&P 500® Equal Weight ETF (ticker RSP). Each note has a $10 principal amount, a term of about 14 months, and is an unsecured senior debt obligation subject to BMO’s credit risk.
The notes provide 300% leveraged upside to any increase in the ETF, but returns are capped at a Capped Value between $10.90 and $11.30 per unit, a gain of 9%–13%. If the ETF ends below its starting level, investors lose principal on a 1:1 basis, up to total loss. The estimated initial value is expected between $9.10 and $9.54 per unit, below the $10 public offering price due to underwriting discounts and hedging-related charges.
Bank of Montreal is issuing $1,971,000 of Senior Medium-Term Notes, Series K, called Digital Return Notes due February 5, 2029, linked to the worst performer of the Russell 2000 and S&P 500 indices.
The notes pay no interest but can deliver a fixed 20% digital return at maturity if the least performing index finishes on the valuation date at or above its initial level. If that index ends below its initial level, investors receive only the $1,000 principal per note, so upside is capped while principal is protected at maturity, subject to Bank of Montreal’s credit risk.
The public offer price is 100% of principal, with a 0.75% selling commission, resulting in proceeds to Bank of Montreal of about $1.96 million$983.93 per $1,000, reflecting structuring and hedging costs, and the notes will not be listed on any exchange, which may limit liquidity.
Bank of Montreal is issuing US$374,000 of Senior Medium-Term Notes, Series K, Digital Return Barrier Notes due February 3, 2031, linked to the S&P 500® Futures Excess Return Index. The notes offer a fixed 62.00% digital return if index gains are positive but below that threshold, and full upside participation above 62.00%.
Principal is fully at risk below a 70.00% barrier: if the index falls more than 30.00% from the Initial Level of 565.43, 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 $947.50 per $1,000, versus a 100% price to the public.
Bank of Montreal is offering US$4,270,000 of senior market-linked notes tied to the least performing of the S&P 500 Index and the Russell 2000 Index. These unsecured notes return principal at maturity and provide 1-to-1 upside exposure, capped by a maximum redemption.
The Maximum Redemption Amount is $1,142.50 per $1,000 of principal, equal to a 14.25% maximum return. The notes pay no interest, are not listed on any exchange, and all payments depend on Bank of Montreal’s credit. The estimated initial value is $985.36 per $1,000.
Bank of Montreal is issuing $726,000 of autocallable barrier enhanced return notes due February 5, 2029, linked to the least performing of the Dow Jones Industrial Average, Russell 2000 Index and S&P 500 Index.
The notes offer 200% leveraged upside on the least performing index at maturity if they are not called and that index finishes at or above its initial level. Beginning February 4, 2027, the notes auto-call if all three indexes close above their initial levels, returning principal plus a call amount targeting about 12% per year.
If not called and the least performing index falls more than 30% from its initial level, repayment of principal is reduced one-for-one with the decline, up to a total loss. The notes pay no interest, are unsecured and unsubordinated obligations of Bank of Montreal, are not listed on any exchange, and had an estimated initial value of $954.08 per $1,000 on pricing.