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Bank of Montreal is offering senior medium-term notes, Series K, redeemable fixed-rate notes due July 31, 2036, with a principal amount of $1,000 per Note. The notes pay interest at a fixed rate of 5.45% per annum, with semi-annual payments on January 31 and July 31, beginning January 31, 2027.
Unless earlier redeemed, investors receive $1,000 per Note plus accrued interest at maturity. Bank of Montreal may, at its option, redeem all (but not part) of the notes at 100% of principal plus accrued interest on any semi-annual Optional Redemption Date from July 31, 2027 through January 31, 2036. The notes are unsecured obligations of Bank of Montreal, are not insured by any governmental agency and will not be listed on any securities exchange.
The notes are designated as bail-inable notes under the Canada Deposit Insurance Corporation Act, meaning they may be converted, in whole or in part, into common shares of Bank of Montreal or its affiliates, or varied or extinguished, if Canadian resolution powers are exercised. Underwriters purchase the notes at $980.00 per Note, reflecting a $20.00 underwriting discount.
Bank of Montreal is issuing US$934,000 of Senior Medium-Term Notes, Series K, Buffer Enhanced Return Notes due July 16, 2029, linked to the shares of the iShares MSCI EAFE ETF (EFA). The notes offer a leveraged upside with a 93.76% Upside Leverage Factor, so for each 1% increase in the ETF from the Initial Level to the Final Level, the note return increases by 0.9376%, which will be less than a direct investment in the ETF.
The notes include a 25.00% downside buffer: if the ETF’s Final Level is at or above 75.00% of the Initial Level, investors receive full principal back; if it falls below this Buffer Level, investors lose 1% of principal for each 1% decline beyond 25%, with a maximum loss of 75.00% of principal. The Initial Level is set at $103.36, the ETF’s closing level on the Strike Date, and the Buffer Level is $77.52.
The notes pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on any exchange. The price to the public is 100% of principal, with an agent’s commission of 0.85%, resulting in 99.15% of proceeds to Bank of Montreal. The issuer’s estimated initial value is $984.86 per $1,000 principal, reflecting internal funding and hedging costs, and the product carries credit risk, market risk tied to the ETF and its underlying MSCI EAFE Index, foreign market and currency risks, liquidity risk, and tax uncertainty.
Bank of Montreal is offering Senior Medium-Term Notes, Series K, equity-linked, auto-callable securities tied to the lowest performing of JPMorgan Chase, Microsoft and NVIDIA common stock, maturing on July 27, 2029. Each security has a $1,000 face amount and an estimated initial value of $961.50, not less than $910.00 at pricing, reflecting offering, structuring and hedging costs.
The notes pay a contingent coupon at a rate of at least 18.30% per annum, due monthly only if the lowest performing stock on the calculation day is at or above 70% of its starting value, with a memory feature for missed coupons. From October 2026 to June 2029, if the lowest performer is at or above its starting value, the notes are automatically called at par plus due coupons.
If not called, at maturity investors receive $1,000 per security if the lowest performer is at or above its 70% downside threshold; otherwise they receive shares of that stock equal to a preset share delivery amount, expected to be worth less than $1,000 and potentially zero. Investors do not participate in any upside of the stocks and face full downside below the threshold, as well as the unsecured credit risk of Bank of Montreal. The notes will not be listed and may have limited secondary market liquidity.
Bank of Montreal is offering $129,860,000 of unsecured notes linked to the S&P 500 Index, with a $1,000 principal amount per note maturing on August 11, 2027. The notes pay no interest and the cash settlement at maturity depends on index performance between July 9, 2026 and August 9, 2027.
If the final index level is above the initial level of 7,543.64, investors receive 150% of the index gain, capped at a maximum settlement amount of $1,177.75 per note, corresponding to an 17.775% maximum return. If the final index level is below the initial level, investors lose 1% of principal for each 1% index decline, down to a total loss.
The initial estimated value is $987.64 per $1,000 note, below the issue price, reflecting structuring and hedging costs. The notes are not listed, are designed to be held to maturity, and all payments are subject to the credit risk of Bank of Montreal.
Bank of Montreal is issuing US$1,500,000 of Senior Medium-Term Notes, Series K, Capped Buffer Enhanced Return Notes due July 16, 2029, linked to Corning Incorporated common stock. The notes offer 150.00% leveraged upside, capped at a Maximum Redemption Amount of $4,076.00 per $1,000 principal, a 307.60% maximum return.
The structure includes a 20.00% downside buffer: principal is fully repaid at maturity if the final stock level is no more than 20% below the Initial Level of $185.38. Below the Buffer Level of $148.30, investors lose 1% of principal for each 1% additional decline, up to an 80.00% loss.
The notes pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on any exchange. The price to public is 100% of principal, with an agent’s commission of 0.65% and proceeds to Bank of Montreal of 99.35%. The estimated initial value is $964.17 per $1,000, reflecting offering, hedging and structuring costs, and secondary-market liquidity and pricing may be limited.
Bank of Montreal is issuing $1,500,000 of Senior Medium‑Term Notes, Series K Capped Buffer Enhanced Return Notes due July 16, 2029, linked to Lam Research Corporation common stock. The notes offer 150.00% leveraged upside on stock appreciation, capped at a Maximum Redemption Amount of $3,720.00 per $1,000 (a 272.00% maximum return).
The notes provide a 20.00% downside buffer: principal is fully returned if the final stock level is at or above 80.00% of the Initial Level. Below that buffer, investors lose 1% of principal for each 1% additional decline, with up to 80.00% principal loss possible. The notes pay no interest, are unsecured obligations of Bank of Montreal, and are subject to its credit risk. The estimated initial value is $967.54 per $1,000, lower than the issue price due to offering, structuring and hedging costs.
Bank of Montreal is offering US$1,500,000 of senior Medium-Term Notes, Series K, maturing on July 16, 2029, whose return is linked to the common stock of Marvell Technology, Inc. (MRVL).
These “Capped Buffer Enhanced Return Notes” provide 150.00% leveraged upside on any stock appreciation, but the payoff per $1,000 principal is capped at a Maximum Redemption Amount of $4,570.00, equal to a 357.00% maximum return. The notes include a 20.00% downside buffer: investors receive full principal at maturity if the stock’s Final Level is at or above 80.00% of the Initial Level. Below that Buffer Level, principal is reduced 1% for each 1% further decline, up to a potential 80.00% loss of principal.
The notes pay no interest, are unsecured obligations of Bank of Montreal, will not be listed, and all payments depend on the bank’s credit. The Initial Level of MRVL is set at $230.70, the Buffer Level at $184.56, and the estimated initial value is $952.53 per $1,000.
Bank of Montreal is issuing $1,276,000 principal amount of Senior Medium-Term Notes, Series K, in the form of Autocallable Barrier Notes with Contingent Coupons due July 13, 2028, linked to the common stock of Devon Energy Corporation.
The notes pay a 2.5625% quarterly contingent coupon (about 10.25% per year), or $25.625 per $1,000, only if on each Observation Date the Devon Energy share price is at or above the Coupon Barrier Level of $23.11, which is 55% of the Initial Level of $42.02. Beginning January 11, 2027, if the stock closes above the Call Level of 100% of the Initial Level on an Observation Date, the notes are automatically redeemed at par plus any due coupon.
If the notes are not called and, on the July 10, 2028 Valuation Date, Devon Energy’s share price is below the Trigger Level of $23.11, investors lose principal on a 1-for-1 basis with the stock’s negative return, down to zero. The estimated initial value is $968.67 per $1,000 note, and Bank of Montreal expects to receive approximately 98.15% of principal as proceeds after a 1.85% selling commission and structuring fees.
Bank of Montreal is issuing US$832,000 of Senior Medium-Term Notes, Series K, callable barrier notes with contingent coupons due July 16, 2029. The notes are linked to the least performing of the S&P 500 Index (SPX), NASDAQ-100 Index (NDX) and Russell 2000 Index (RTY). Initial levels are SPX 7,543.64, NDX 29,727.10 and RTY 2,992.542.
The notes pay a 0.85% monthly contingent coupon (about 10.20% per annum, or $8.50 per $1,000) only if on an observation date each index closes at or above its coupon barrier, set at 65% of its initial level (SPX 4,903.37, NDX 19,322.62, RTY 1,945.152). Beginning January 13, 2027, Bank of Montreal may call the notes in whole on any observation date, in which case investors receive principal plus any due coupon.
If the notes are not called, at maturity investors receive $1,000 per $1,000 principal provided no trigger event occurs. A trigger event happens if on the valuation date the final level of any index is below its trigger level (also 65% of its initial level). If a trigger event occurs, the maturity payment is reduced based on the percentage change of the least performing index and may be zero. The estimated initial value is $983.93 per $1,000, reflecting hedging costs and dealer compensation.
Bank of Montreal is offering Accelerated Return Notes linked to a basket of fifteen financial-sector equities, maturing in September 2027. Each note has a $10 principal amount and provides a leveraged upside: investors earn 300% of any positive basket return, subject to a Capped Value between $12.40 and $12.80 per unit, corresponding to a maximum return of 24%–28%.
The basket is approximately equally weighted, with each Basket Stock initially around 6.6%–6.7% of the basket and the Basket Starting Value set to 100.00. If the Ending Value is below the Starting Value, principal is reduced one-for-one with the basket loss and can be fully lost. The notes pay no dividends and are senior unsecured obligations of BMO, subject to its credit risk, and are not insured by Canadian or U.S. deposit insurers. The initial estimated value is expected to range from $9.10 to $9.50 per unit, below the public offering price, reflecting internal funding rates, a $0.175 per‑unit underwriting discount, and a $0.05 per‑unit hedging-related charge.