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Bank of Montreal is offering US$684,000 of Senior Medium‑Term Notes, Series K Autocallable Barrier Notes with Memory Coupons due July 16, 2029, linked to the least performing of shares of the VanEck Gold Miners ETF (GDX), Utilities Select Sector SPDR ETF (XLU) and iShares Expanded Tech‑Software Sector ETF (IGV).
The notes pay a 1.1542% monthly contingent coupon (approximately 13.85% per annum), or $11.542 per $1,000, only when each ETF closes at or above its coupon barrier, set at 55.00% of its initial level, with a memory feature that can restore missed coupons. From January 13, 2027, the notes are automatically redeemed if all ETFs are at or above 100% of their initial levels, returning principal plus any due coupons.
If not called, at maturity holders receive $1,000 per $1,000 of principal so long as each ETF’s final level is at or above its trigger level (also 55.00% of initial). If any finishes below its trigger, repayment is reduced to $1,000 plus $1,000 times the percentage change of the least performing ETF, which can result in a total loss of principal. The notes’ estimated initial value is $975.70 per $1,000, below the 100% public offering price, and they are unsecured and not insured by any deposit insurance corporation.
Bank of Montreal is issuing US$2,493,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes with contingent coupons due July 19, 2032. The notes are linked to the least performing of the S&P 500 Index, Russell 2000 Index and Dow Jones Industrial Average.
Investors may receive a 2.55% quarterly contingent coupon (about 10.20% per year) only if on each observation date all three indices are at or above their coupon barrier levels, set at 75% of initial levels. From July 14, 2027, if all indices are at or above 100% of their initial levels, the notes are automatically redeemed at par plus the coupon.
If the notes are not called, holders receive full principal at maturity only if no Trigger Event occurs, meaning each final index level remains at or above its 75% trigger level. Otherwise, repayment is reduced in line with the decline of the worst index and can fall to zero. The notes are unsecured obligations, and their estimated initial value is $988.26 per $1,000 principal amount.
Bank of Montreal is issuing US$775,000 of senior medium-term Autocallable Barrier Notes, Series K, due January 18, 2028, linked to the Class A subordinate voting shares of Shopify Inc. The notes pay a 5.3125% quarterly contingent coupon (approximately 21.25% per year), or $53.125 per $1,000, only when Shopify’s closing level on an observation date is at or above the coupon barrier of $61.27, which is 50% of the initial level of $122.54.
Beginning October 14, 2026, if Shopify’s level on an observation date is at or above 100% of the initial level, the notes are automatically redeemed at par plus any due coupon. If not called, holders receive $1,000 at maturity only if a Trigger Event has not occurred; if the final level is below the $61.27 trigger, principal is reduced in line with the percentage decline and can be lost entirely. The estimated initial value is $968.76 per $1,000, below the 100% issue price, and the notes are unsecured, uninsured obligations of Bank of Montreal with specialized U.S. tax treatment as pre-paid contingent income-bearing derivative contracts.
Bank of Montreal is offering US$1,102,000 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, Russell 2000 Index and Dow Jones Industrial Average.
Beginning July 20, 2027, if on any Observation Date each index closes at or above its Call Level (80.00% of Initial Level), the notes are automatically redeemed and pay principal plus a step-up Call Amount, implying a return of approximately 8.50% per annum (from $85.00 up to $425.00 per note).
If not called, and no Trigger Event occurs, each $1,000 note repays $1,000 at maturity. If any index finishes below its Trigger Level (75.00% of Initial Level), payment becomes $1,000 plus $1,000 times the Percentage Change of the least performing index, potentially as low as $0. The notes are unsecured obligations, not deposit-insured, and their estimated initial value is $986.92 per $1,000, reflecting structuring and hedging costs. For U.S. tax purposes, they are intended to be treated as pre-paid derivative contracts, though the tax consequences are uncertain.
Bank of Montreal is offering US$970,000 of Senior Medium-Term Notes, Series K, Autocallable Barrier Notes with Contingent Coupons due August 16, 2027, linked to the common stock of Constellation Energy Corporation (CEG). The notes are unsecured obligations and are not insured by FDIC, CDIC or any other deposit insurer.
The notes pay a 1.1875% monthly contingent coupon (approximately 14.25% per annum), or $11.875 per $1,000, only if CEG’s closing level on an observation date is at or above the coupon barrier of $140.77 (56.00% of the $251.38 Initial Level). Beginning January 13, 2027, if CEG is at or above the 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, investors receive full principal at maturity only if the Final Level is at or above the Trigger Level of $140.77; otherwise, repayment is reduced according to the share price decline and can be zero. The price to the public is 100% of principal, with a 0.65% selling commission, and the estimated initial value is $974.60 per $1,000 based on Bank of Montreal’s internal models.
Bank of Montreal is offering US$2,862,000 of senior Medium-Term Notes, Series K, autocallable barrier notes due August 16, 2027, linked to Constellation Energy Corporation common stock (ticker CEG). The notes pay a monthly contingent coupon of 1.0208% (about 12.25% per year) only if CEG’s closing level on each observation date is at or above the coupon barrier of $140.77, which is 56% of the initial level of $251.38.
Beginning January 13, 2027, if CEG closes above 100% of its initial level on an observation date, the notes are automatically redeemed at par plus the applicable coupon. If not called, investors receive $1,000 per $1,000 note at maturity only if the final level is at or above the $140.77 trigger. If the final level is below the trigger, principal is reduced one-for-one with the stock’s percentage decline, potentially to zero, though any final contingent coupon may still be paid.
The price to the public is 100% of principal; the selling agent receives a 2.15% commission (US$61,533), and Bank of Montreal’s proceeds are 97.85% (US$2,800,467). The estimated initial value is $961.48 per $1,000 note, reflecting structuring and hedging costs. The notes are unsecured obligations of Bank of Montreal and are not insured by deposit protection schemes.
Bank of Montreal is offering US$3,370,000 of Senior Medium-Term Notes, Series K Autocallable Barrier Notes with Contingent Coupons due August 16, 2027, linked to the Class A ordinary shares of Accenture Plc. The notes pay a contingent coupon of 1.50% per month (approximately 18.00% per annum), or $15.00 per $1,000, only if on each Observation Date the Accenture share price is at or above the coupon barrier of $74.38, which is 55.00% of the Initial Level of $135.23, and are subject to automatic redemption from January 13, 2027 if the share price exceeds the Call Level of 100.00% of the Initial Level.
If not automatically redeemed, investors receive $1,000 per $1,000 at maturity only if no Trigger Event occurs; a Trigger Event happens when the Final Level is below the same $74.38 trigger, in which case repayment is $1,000 plus $1,000 times the percentage change in the share price, potentially resulting in a total loss of principal. The price to the public is 100% of principal, with a 0.65% ($21,905.00) agent’s commission and 99.35% ($3,348,095.00) in proceeds to Bank of Montreal. The estimated initial value is $983.88 per $1,000, reflecting internal funding and hedging costs, and the notes are unsecured obligations treated for U.S. tax purposes as pre-paid contingent income-bearing derivative contracts.
Bank of Montreal is offering US$8,971,000 of Senior Medium-Term Notes, Series K, callable barrier notes due July 15, 2027, linked to the worst-performing of the S&P 500, NASDAQ-100 and Russell 2000 indices.
The notes pay fixed coupons of 1.10% per month (about 13.20% per year, or $11 per $1,000) until maturity or an issuer call. Starting January 12, 2027, Bank of Montreal may redeem all notes on monthly call dates, returning principal plus the coupon due, after which no further payments are made.
If not called, principal repayment depends on equity performance. Investors receive $1,000 per $1,000 note unless both a Trigger Event occurs (any index closes below 70% of its initial level during the term) and the worst-performing index finishes below its initial level. In that case, maturity payment is $1,000 + $1,000 × Percentage Change of the worst index, potentially as low as zero, plus the final coupon, so principal is fully at risk. The estimated initial value is $992.55 per $1,000, below the issue price, reflecting dealer compensation, hedging costs and funding assumptions.
Bank of Montreal is offering US$567,000 principal amount of Senior Medium-Term Notes, Series K, Digital Return Barrier Notes due August 16, 2027, linked to the least performing of the S&P 500® Index, NASDAQ-100 Index® and Russell 2000® Index.
For each $1,000 note, if the Final Level of the least performing index is at or above 70.00% of its Initial Level, investors receive $1,000 plus a 12.15% Digital Return ($1,121.50). If it is below 70.00%, repayment equals $1,000 plus $1,000 times the index Percentage Change, so losses match the full decline beyond 30% and can reach a 100% loss of principal. The notes pay no interest, are unsecured senior obligations subject to Bank of Montreal’s credit risk, are issued in $1,000 denominations, and are not listed. The price to public is 100% of principal, including a 0.60% selling commission, while the estimated initial value is $988.76 per $1,000, reflecting offering and hedging costs.
Bank of Montreal is issuing US$1,949,000 of Senior Medium-Term Notes, Series K, linked to the common stock of NVIDIA Corporation. The notes are autocallable, pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on any securities exchange.
On July 16, 2027, if NVIDIA’s closing price is above 100.00% of the Initial Level of $210.96, the notes are automatically redeemed at par plus a fixed $200.00 Call Amount per $1,000 (about 20.00% per annum). If not called, at maturity on July 17, 2028 any positive stock performance delivers 160.00% leveraged upside.
If NVIDIA finishes below the Initial Level but at or above the Barrier Level of $147.67 (70.00% of the Initial Level), investors receive a positive return matching the decline, up to the $1,300.00 Maximum Downside Redemption Amount per $1,000. If the Final Level is below the Barrier Level, principal is exposed one-for-one to losses and can be fully wiped out. The price to public is 100% of principal, with a 2.25% selling commission and 97.75% proceeds to Bank of Montreal; the estimated initial value is $959.17 per $1,000.