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Bank of Montreal is offering US$2,076,000 of Senior Medium-Term Notes, Series K Callable Barrier Notes with Contingent Coupons due July 16, 2029, linked to the least performing of VanEck Gold Miners ETF (GDX), Energy Select Sector SPDR ETF (XLE) and the Russell 2000 Index (RTY).
The notes pay a 1.5625% monthly contingent coupon (18.75% per year) only when each reference asset closes at or above its coupon barrier, set at 70% of its initial level. Beginning January 13, 2027, the issuer may call the notes at par plus any coupon on an observation date. If not called and no trigger event occurs (final level of each asset at or above its trigger level, 60% of initial), investors receive principal back plus any final coupon. If a trigger event occurs, repayment is reduced in proportion to the decline of the least performing asset and can be zero, so investors are exposed to full downside below the trigger. The price to public is 100% of principal, while the estimated initial value is $980.90 per $1,000, reflecting structuring costs and hedging; the notes are unsecured and not insured by deposit protection schemes, and U.S. tax treatment relies on characterization as pre-paid contingent income-bearing derivative contracts.
Bank of Montreal is offering US$1,626,000 of Senior Medium-Term Notes, Series K, step-down autocallable barrier notes due July 15, 2031, linked to the least performing of the S&P 500®, NASDAQ-100® and Russell 2000® indices.
The notes are automatically redeemed, starting July 12, 2027, if on an Observation Date each index closes at or above its Call Level (100% of its Initial Level, stepping down to 80% on the final Observation Date), paying principal plus a fixed Call Amount ranging from US$122.50 to US$612.50 per US$1,000, which represents approximately 12.25% per annum.
If not called, investors receive full principal at maturity provided the worst-performing index is at or above its Trigger Level of 75.00% of its Initial Level; otherwise, repayment is reduced one-for-one with the negative performance of that index. The notes are unsecured, not FDIC or CDIC insured, are sold at 100% of principal with a 0.25% selling commission (net proceeds 99.75%), and have an estimated initial value of US$983.31 per US$1,000, reflecting hedging and distribution costs. Tax treatment is intended as a pre-paid derivative contract but remains uncertain.
Bank of Montreal is offering US$6,198,000 principal amount of senior Medium-Term Notes, Series K, autocallable barrier notes with step-up call amounts due July 15, 2032, linked to the MerQube US Large-Cap Vol Advantage Index (MQUSLVA). The price to the public is 100% of principal, with proceeds to Bank of Montreal of US$6,198,000.
The notes have an Initial Level of 4,350.25 on MQUSLVA, a Call Level of 3,480.20 (80.00% of the Initial Level) and a Trigger Level of 2,175.13 (50.00%). Beginning July 19, 2027, if on any Observation Date the index closes at or above the Call Level, the notes are automatically redeemed at US$1,000 per US$1,000 principal plus a fixed Call Amount, starting at US$132.00 and stepping up to US$792.00, representing approximately 13.20% per annum.
If the notes are not called, investors receive at maturity US$1,000 per US$1,000 principal so long as no Trigger Event occurs. If on the Valuation Date the Final Level is below the Trigger Level, the payoff is US$1,000 plus US$1,000 times the Percentage Change of the index, exposing investors to downside and potential total loss of principal. The notes are unsecured obligations of Bank of Montreal. The estimated initial value is US$926.64 per US$1,000 principal, reflecting structuring and hedging costs. MQUSLVA targets 35% implied volatility and applies a 6% per annum daily deduction, which can adversely affect its performance.
Bank of Montreal is offering US$5,146,000 of Senior Medium-Term Notes, Series K Autocallable Barrier Notes with Step Up Call Amount due July 17, 2031, linked to the least performing of the S&P 500 Index, the Russell 2000 Index and the Dow Jones Industrial Average. The notes may be automatically redeemed on scheduled observation dates beginning July 20, 2027 if each index closes at or above 80.00% of its initial level, paying back principal plus a fixed call amount that steps up from $86.00 to $430.00 per $1,000 note, representing approximately 8.60% per annum.
If the notes are never called and on the July 14, 2031 valuation date every index is at or above its 75.00% trigger level, investors receive full principal at maturity. If any index finishes below its trigger, repayment is reduced one-for-one with the percentage decline of the worst-performing index, potentially to zero. The notes are unsecured obligations of Bank of Montreal, are not insured by any deposit insurance agency, and have an estimated initial value of $987.59 per $1,000 in principal amount, lower than the price to public.
Bank of Montreal is issuing US$4,016,000 of Senior Medium-Term Notes, Series K Autocallable Barrier Notes with Memory Coupons due October 15, 2029, linked to the least performing of Exxon Mobil, Eli Lilly and NVIDIA common stock. The price to public is 100% of principal, with a 2.50% agent’s commission and 97.50% net proceeds to Bank of Montreal.
The notes pay contingent monthly coupons at 1.6667% (approximately 20.00% per annum), or $16.667 per $1,000, whenever each stock closes at or above its Coupon Barrier Level, set at 70.00% of its Initial Level. Missed coupons may be paid later under the Memory Coupon Feature. Beginning on January 12, 2027, if on an Observation Date each stock is at or above its Call Level of 100.00% of its Initial Level, the notes are automatically redeemed at par plus any due coupons.
If not redeemed early, investors receive $1,000 per $1,000 of principal at maturity provided the Final Level of every stock is at or above its Trigger Level, set at 60.00% of its Initial Level. If any stock finishes below its Trigger Level, the payoff becomes $1,000 plus $1,000 times the Percentage Change of the least performing stock, which can be far below principal and may be zero. The bank’s estimated initial value is $953.59 per $1,000, and it states that this investment involves significant risks and is not equivalent to direct stock ownership.
Bank of Montreal is offering US$441,000 principal amount of Senior Medium-Term Notes, Series K, autocallable barrier notes with memory coupons due July 16, 2029, linked to the least performing of the common stocks with tickers CRM, QCOM and WDC.
The notes pay a contingent coupon of 2.05% per month (US$20.50 per US$1,000) on monthly dates only if each stock closes at or above its coupon barrier, set at 50% of its initial level; missed coupons can be paid later under the memory feature. Beginning July 13, 2027, the notes are automatically redeemed at par plus any due coupons if all three stocks are at or above their initial levels on an observation date.
If the notes are not called, investors receive par at maturity unless a Trigger Event occurs and the final level of each stock is below its initial level. If any stock finishes below its 50% trigger and all are below their initial levels, repayment is reduced one-for-one with the decline of the least performing stock and can be zero. The notes are unsecured obligations of Bank of Montreal, priced at 100% of principal with an estimated initial value of $930.90 per $1,000 in principal amount.
Bank of Montreal is issuing US$78,000 of Senior Medium-Term Notes, Series K autocallable barrier notes with contingent coupons due August 16, 2027, linked to the common stock of Iron Mountain Incorporated. The notes reference an Initial Level of $121.51 for IRM.
Contingent coupons of 1.1667% per month (about 14.00% per year), or $11.667 per $1,000, are paid only if IRM’s closing level on an Observation Date is at or above the Coupon Barrier Level of $86.27 (71.00% of the Initial Level. Starting January 13, 2027, if IRM closes above its Call Level (100% of the Initial Level) on an Observation Date, the notes are automatically redeemed at par plus the applicable coupon.
If not called, at maturity holders receive $1,000 per $1,000 in principal unless a Trigger Event occurs. A Trigger Event occurs if the Final Level is below the Trigger Level of $86.27, in which case repayment is reduced by the stock’s negative Percentage Change and can fall to zero. The notes are unsecured obligations of Bank of Montreal, not insured by any deposit insurance agency. The estimated initial value is $973.70 per $1,000 principal, below the issue price, reflecting fees, commissions and hedging costs.
Bank of Montreal is offering US$1,065,000 of Senior Medium-Term Notes, Series K Callable Barrier Notes with Memory Coupons due July 15, 2030, linked to the EURO STOXX 50®, Russell 2000® and Nasdaq-100 Technology Sector indices.
Investors may receive a 1.03% monthly contingent coupon (approximately 12.36% per annum), paying only when each index closes at or above its 80% Coupon Barrier on observation dates, with missed coupons potentially paid later under the Memory Coupon Feature. Beginning July 12, 2027, Bank of Montreal may call the notes on specified quarterly dates at par plus any due coupons.
If not called, principal repayment depends on the worst-performing index. If the Final Level of any index is below its 70% Trigger Level, the maturity payment per $1,000 equals $1,000 plus $1,000 times the Percentage Change of the least-performing index, and may fall to zero. The notes are unsecured obligations of Bank of Montreal, and the estimated initial value is $974.97 per $1,000, below the issue price, reflecting fees and hedging costs.
Bank of Montreal is issuing US$293,000 of senior medium-term Autocallable Barrier Notes, Series K linked to Iron Mountain Incorporated common stock.
The notes pay a monthly contingent coupon of 0.9583% (approximately 11.50% per annum) only if IRM’s closing level on an observation date is at or above the coupon barrier of $86.27, equal to 71.00% of the $121.51 initial level. Starting in January 2027, if IRM closes above the 100% call level on an observation date, the notes are automatically redeemed at par plus any due coupon.
If not called, investors receive $1,000 per $1,000 note at maturity only if IRM’s final level is at or above the $86.27 trigger level. If a Trigger Event occurs (final level below the trigger), principal is reduced in line with the stock’s negative percentage change and can fall to zero. The notes are unsecured obligations of Bank of Montreal and are not insured deposits. The estimated initial value is $958.55 per $1,000, below the issue price, reflecting fees and hedging-related costs.
Bank of Montreal is issuing $1,000,000 of senior autocallable barrier notes due July 16, 2029, linked to the least performing of the S&P 500, NASDAQ-100 and Russell 2000 indexes. The notes pay a 2.5875% quarterly contingent coupon (about 10.35% per year) only when each index closes at or above 70% of its initial level on the relevant observation date.
Beginning January 13, 2027, if all three indexes are at or above 100% of their initial levels on an observation date, the notes are automatically redeemed at par plus any due coupon. At maturity, if not called and every index finishes at or above 65% of its initial level, holders receive principal back; otherwise, repayment is reduced one-for-one with the loss of the worst index, down to zero in extreme cases. The notes are unsecured obligations and their estimated initial value is $980.53 per $1,000, below the price to public.