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Bank of Montreal is offering unsecured, principal-at-risk notes linked to the price performance of the iShares 20+ Year Treasury Bond ETF. The notes pay no interest and are designed to be held to maturity, with a term expected to be between 12 and 14 months.
At maturity, for each $1,000 note you receive a cash payment based on the ETF’s level on the determination date. If the final level is at or above 90.00% of the initial level, you receive a fixed threshold settlement amount, expected to be between $1,052.50 and $1,061.60 per note. If the final level is below 90.00%, the payout is reduced so that you lose approximately 1.1111% of principal for every 1% the ETF ends below the threshold, and you could lose the entire investment.
The notes will not be listed on any exchange. The estimated initial value is expected to be between $960.10 and $990.10 per $1,000, lower than the issue price, reflecting offering and hedging costs. All payments depend on the credit of Bank of Montreal, and the notes are not insured or bail-inable.
Bank of Montreal is offering senior medium-term, auto-callable equity-linked securities tied to the worst performer of Amazon, Oracle and UnitedHealth stock, maturing on January 26, 2029. Each security has a $1,000 face amount, total offering of $6,135,000, and an estimated initial value of $943.16 per security.
Investors can receive monthly contingent coupons at a 19.00% per annum rate if the lowest-performing stock stays at or above 60% of its starting value, with a memory feature for missed coupons. The notes may be automatically called from April 2026 through December 2028 if the lowest-performing stock is at least at its starting value, returning principal plus due coupons.
If not called and the lowest-performing stock closes below 60% of its starting value at maturity, principal is reduced one-for-one with that decline, potentially to zero. The securities are unsecured obligations of Bank of Montreal and are subject to its credit risk, complex tax treatment and limited liquidity, and are not insured or bail-inable.
Bank of Montreal is offering senior medium-term notes linked to the common stock of Amazon.com, Alphabet (Class A), and Microsoft, maturing on January 26, 2029. The securities have a face amount of $1,000 per note, an original offering size of $5,024,000, and an estimated initial value of $954.57 per security, reflecting offering, structuring and hedging costs.
Investors may receive a 13.00% per annum contingent coupon, paid monthly, but only if on each calculation day the lowest performing stock is at or above its coupon threshold, set at 70% of its starting value. The notes are auto-callable from April 2026 through December 2028 if the lowest performing stock is at or above its starting value, returning principal plus due coupons.
If not called, principal repayment depends on the lowest performing stock on the final calculation day. Full principal is repaid if it is at or above its downside threshold of 60% of starting value; below that level, repayment is reduced in line with the stock’s decline, and investors can lose most or all of principal. The notes are unsecured obligations of Bank of Montreal, carry complex market, correlation, liquidity, valuation and tax risks, and provide no participation in stock gains beyond coupon payments.
Bank of Montreal is issuing $110,000 principal amount of Senior Medium-Term Notes, Series K, Redeemable Fixed Rate Notes due January 28, 2033. Each Note has a $1,000 denomination and pays fixed interest at 4.70% per annum, with semi-annual payments on January 28 and July 28, starting July 28, 2026. Unless earlier redeemed, investors receive $1,000 per Note at maturity plus accrued interest.
The Notes are callable at the issuer’s option, in whole but not in part, at 100% of principal plus accrued interest on semi-annual dates from July 28, 2027 through July 28, 2032. They are unsecured obligations of Bank of Montreal, not insured by any deposit insurer, and will not be listed on any securities exchange, so liquidity may be limited. The Notes are also bail-inable under the Canada Deposit Insurance Corporation Act, meaning they can be converted into common shares or varied or extinguished if Canadian resolution powers are applied.
Bank of Montreal is issuing $10,000,000 of Senior Medium-Term Notes, Series K, redeemable fixed rate notes due January 28, 2031. Each Note has a $1,000 principal amount and pays fixed interest at 4.65% per annum, with semi-annual payments on January 28 and July 28, starting July 28, 2026.
The Notes are callable at the issuer’s option at 100% of principal plus accrued interest on semi-annual Optional Redemption Dates from January 28, 2028 through July 28, 2030. They are unsecured obligations of Bank of Montreal and will not be listed on any securities exchange.
The Notes are bail-inable under the Canada Deposit Insurance Corporation Act, meaning they can be converted into common shares of Bank of Montreal or its affiliates or varied or extinguished in a bail-in conversion. Underwriting discounts total $20,000, resulting in $9,980,000 in proceeds to Bank of Montreal before expenses, and investors bear the bank’s credit and bail-in risk.
Bank of Montreal is offering $5,755,000 of senior unsecured medium-term notes linked to the worst performer of Amazon, NVIDIA and UnitedHealth common stocks, maturing January 26, 2029. Each $1,000 note pays a contingent monthly coupon at a 17.60% per annum rate only if, on the relevant calculation day, the lowest-performing stock is at least 60% of its starting value, with a memory feature that can pay previously missed coupons when conditions are later met.
The notes are auto-callable monthly from April 2026 through December 2028 if the lowest-performing stock is at or above its starting value, in which case holders receive $1,000 plus the applicable coupon(s). If not called, at maturity investors receive $1,000 per note only if the worst stock is at or above 60% of its starting value; otherwise repayment is reduced 1-for-1 with the stock’s decline, and principal losses can reach 100%.
The estimated initial value is $952.06 per $1,000 note, below the issue price, reflecting distribution and hedging costs. The notes are complex, not listed on any exchange, may have limited secondary liquidity, pay no fixed interest and are fully exposed to both market risk of the three stocks and the credit risk of Bank of Montreal.
Bank of Montreal is offering unsecured structured notes linked to the S&P 500® Index. The notes pay no interest and may be automatically called about 12–14 months after the trade date if the index is at or above its initial level, in which case investors receive their principal plus a call premium expected to range between 7.80% and 9.15%.
If the notes are not called, they mature in about 24 months. At maturity, if the S&P 500® is at or above its initial level, investors receive principal plus the greater of a maturity date premium expected between 15.60% and 18.30% or 100% of the index gain. If the index has fallen by up to 10%, investors receive full principal due to a 10% buffer.
If the index has declined by more than 10%, repayment of principal is reduced: investors lose approximately 1.1111% of principal for each 1% the final index level is below 90% of the initial level, and could lose all of their investment. The notes are not listed, have an estimated initial value between $949 and $979 per $1,000, and all payments are subject to the credit risk of Bank of Montreal.
Bank of Montreal is expanding its Oil & Gas Exploration & Production -3X Inverse Leveraged ETNs (ticker OILD), issuing an additional $500,004,000 of notes, which will form a single tranche with the existing notes for total outstanding principal of $750,000,000 (3,000,000 notes at $250 each). These exchange-traded notes provide daily -3x leveraged inverse exposure to the Solactive Oil & Gas Exploration & Production Index and are unsecured, unsubordinated debt of Bank of Montreal.
The notes charge a 0.95% annual investor fee, can incur negative Daily Interest based on the U.S. Federal Funds Effective Rate minus a spread of up to 4.00%, and a 0.125% redemption fee on holder-initiated redemptions. They pay no interest, do not guarantee principal, and can permanently fall to zero if the indicative value hits zero. The issuer may call all or part of the notes at its option, and the structure is explicitly aimed at sophisticated investors using the ETNs as short-term daily trading tools rather than buy-and-hold investments.
Bank of Montreal is offering senior medium-term, Series K redeemable fixed-rate notes with a principal amount of $1,000 per Note, paying fixed interest of 4.40% per annum. Interest is paid in U.S. dollars semi-annually on February 9 and August 9, starting August 9, 2026, through August 9, 2030, and at maturity on January 27, 2031, unless the Notes are redeemed earlier.
The Notes are callable at 100% of principal plus accrued interest, in whole but not in part, on February 9 and August 9 of each year from February 9, 2027 through August 9, 2030, at Bank of Montreal’s option. They are unsecured obligations, subject to the credit risk of Bank of Montreal, and will not be listed on any securities exchange, so liquidity may be limited.
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 under Canadian bank resolution powers. The original issue price is $1,000 per Note, including a $15 underwriting discount, with $985 per Note in proceeds to Bank of Montreal.
Bank of Montreal is offering senior medium-term, fixed-rate notes due February 10, 2038. Each Note has a $1,000 principal amount and pays interest at a fixed rate of 5.10% per annum, with semi-annual payments every February 10 and August 10 starting August 10, 2026.
The Notes are redeemable at the issuer’s option, in whole but not in part, at 100% of principal plus accrued interest on each February 10 and August 10 from February 10, 2028 through August 10, 2037. They are unsecured obligations of Bank of Montreal, not listed on any securities exchange, and there is no assurance of a secondary market.
The Notes are designated as bail-inable under the Canada Deposit Insurance Corporation Act, meaning they may be converted into common shares of Bank of Montreal or its affiliates or varied or extinguished under Canadian bank resolution powers. Investors bear the credit risk of Bank of Montreal and may receive less than principal if the bank defaults or a bail-in conversion occurs.