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Bank of Montreal is offering senior unsecured market-linked notes tied to the worst performer of CrowdStrike (CRWD), Robinhood (HOOD) and Medtronic (MDT), maturing in February 2029, at an original price of $1,000 per security. The estimated initial value on the pricing date is expected to be between $920 and $969 per security, below the offering price due to selling, structuring and hedging costs.
The notes pay a monthly contingent coupon at a rate of at least 20% per annum only if the lowest-performing stock on each calculation day is at or above 50% of its starting value. Missed coupons can be "remembered" and paid later if the test is subsequently met. From July 2026 to December 2028, if the lowest-performing stock is at or above its starting value on a calculation day, the notes are automatically called at par plus the applicable coupon(s).
If the notes are not called and, on the final calculation day, the worst stock is below 50% of its starting value, repayment of principal is reduced in full proportion to that decline, creating the potential for a loss of more than 50%, up to 100%, of principal. Investors do not participate in any upside of the stocks. The notes are unsecured obligations of Bank of Montreal, not insured, not listed on an exchange, and feature complex payoff, liquidity, credit and tax risks, including 30% U.S. withholding on coupons for many non-U.S. investors.
Bank of Montreal is offering US$906,000 of Senior Medium-Term Notes, Series K, structured as Callable Barrier Notes with Contingent Coupons due January 27, 2027. These unsecured notes are linked to the least performing of the S&P 500 Index, NASDAQ-100 Index and Russell 2000 Index, each with a coupon barrier and trigger level set at 70% of its initial level.
Investors receive a monthly contingent coupon of 0.605% of principal (about 7.26% per year) only if, on each observation date, all three indices close at or above their respective barrier levels. Starting April 22, 2026, Bank of Montreal may call the notes in whole on any observation date, repaying principal plus any due coupon.
If the notes are not called and none of the indices finishes below its trigger level on the valuation date, investors receive their full principal at maturity plus any final coupon. If any index finishes below its trigger level, repayment is reduced in line with the percentage decline of the worst-performing index, and can fall to zero. The estimated initial value is $972.35 per $1,000 principal, and the notes involve significant market, credit and structural risks.
Bank of Montreal is issuing US$200,000 of Senior Medium-Term Notes, Series K, structured as autocallable barrier notes linked to Apple Inc. common stock. The notes pay a contingent coupon of 2.25% per quarter (about 9.00% per year) only if AAPL’s closing level on each observation date is at or above the coupon barrier of $198.68, which is 80% of the initial level of $248.35.
Beginning April 24, 2026, the notes are automatically redeemed if AAPL closes above its initial level on an observation date, returning principal plus the due coupon. If the notes are not called and AAPL finishes at or above the same 80% trigger level on the January 24, 2029 valuation date, investors receive full principal back plus any final coupon.
If AAPL closes below the trigger level on the valuation date, repayment is reduced one-for-one with the stock’s loss, which can result in a loss of all principal. The notes are unsecured obligations of Bank of Montreal, pay only in cash, and have an estimated initial value of $963.94 per $1,000 in principal on the pricing date, reflecting fees and hedging costs.
Bank of Montreal is offering $8,000,000 of senior medium-term Notes, Series K, paying a fixed 5.05% annual interest rate and maturing on January 27, 2038, in $1,000 denominations. Interest is paid semi-annually on January 27 and July 27, starting July 27, 2026.
The Notes are callable at 100% of principal plus accrued interest, in whole only, on each January 27 and July 27 from January 27, 2028 through July 27, 2037. They are unsecured obligations of Bank of Montreal, not listed on any exchange, and all payments depend on the bank’s credit.
The Notes are designated as bail-inable under the Canada Deposit Insurance Corporation Act, meaning they can be converted into Bank of Montreal common shares or varied or extinguished in a resolution scenario. They are not insured by U.S. or Canadian deposit insurance agencies.
Bank of Montreal is offering US$7,528,000 of senior Medium-Term Notes, Series K, Capped Buffer Notes due April 12, 2027, linked to the Russell 2000 Value Index. These notes give 1-to-1 upside exposure to index gains with a Maximum Redemption Amount of $1,121.80 per $1,000 principal, capping total return at 12.18%.
The notes protect principal against index declines of up to 15%, but if the index falls more than 15%, investors lose 1% of principal for each additional 1% drop and could lose up to 85% of principal at maturity. The notes pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on any exchange. The estimated initial value is $987 per $1,000, below the issue price, reflecting offering and hedging costs.
Bank of Montreal is offering US$1,300,000 of Senior Medium-Term Notes, Series K, that are autocallable barrier notes with memory coupons linked to the Class A common stock of CrowdStrike Holdings, Inc. (CRWD), maturing on January 31, 2029. The notes pay a contingent coupon of 2.775% per quarter (approximately 11.10% per year), or $27.75 per $1,000, only if CrowdStrike’s share price on each observation date is at or above a coupon barrier set at $222.94, which is 50% of the initial level.
Beginning July 28, 2026, if on an observation date CrowdStrike closes above 100% of its initial level, the notes are automatically redeemed at par plus any due coupons, including unpaid “memory” coupons from earlier missed dates. If the notes are not called and, on the valuation date, CrowdStrike closes below the $222.94 trigger level, investors will receive less than their principal, potentially losing their entire investment. The notes are unsecured obligations of Bank of Montreal, and their estimated initial value is $967.89 per $1,000 of principal.
Bank of Montreal is offering US$815,000 of senior autocallable buffer notes linked to the VanEck Gold Miners ETF (GDX), maturing December 27, 2028. The notes pay contingent monthly coupons at 0.5417% (about 6.50% per year), but only if GDX closes on each observation date at or above a coupon barrier set at $68.36, which is 65% of the initial level of $105.17. Missed coupons can be paid later under a “memory” feature when the barrier is met.
Beginning July 22, 2026, the notes may be automatically redeemed if GDX closes above its initial level, returning principal plus any due coupons. If held to maturity and no trigger is breached, investors receive full principal back; if the final level falls below the buffer level of $89.39 (85% of the initial level), principal is reduced 1% for each 1% decline beyond that, with losses up to 85%. The notes are unsecured, not insured deposits, and have an estimated initial value of $941.66 per $1,000, reflecting fees, commissions and hedging costs.
Bank of Montreal is issuing US$3,762,000 of Senior Medium-Term Notes, Series K, as Autocallable Buffer Notes with Step Up Call Amounts due December 27, 2028, linked to the least performing of the VanEck Gold Miners ETF (GDX) and the SPDR S&P Metals & Mining ETF (XME).
The notes auto-call quarterly starting July 22, 2026 if each ETF is at or above its 100% Call Level, paying stepped Call Amounts up to $525 per $1,000 at final observation, equivalent to 18.00% per annum on called amounts. A 15.00% buffer applies at maturity: if the worst ETF has fallen by no more than 15%, principal is repaid; if it is below its Buffer Level (85% of initial), repayment is reduced one-for-one and losses can reach up to 85% of principal.
The notes are unsecured obligations of Bank of Montreal, are not insured by any deposit insurance agency, and have an estimated initial value of $935.61 per $1,000 on the pricing date, reflecting embedded fees and hedging costs.
Bank of Montreal is offering unsecured, senior notes linked to the iShares® Emerging Markets ex China ETF. The notes do not pay interest and are designed to be held to maturity, with an expected term of about 13 to 15 months.
At maturity, for each $1,000 note, investors receive: the maximum settlement amount (expected between $1,206.25 and $1,242.10) if the ETF has risen to or above a cap level; $1,000 plus 150% of the ETF’s gain if it is above the initial level but below the cap; or $1,000 plus the ETF return if the ETF has fallen, leading to a loss of 1% of principal for every 1% decline, down to a total loss.
The estimated initial value is expected between $958.80 and $988.80 per $1,000, below the issue price, reflecting fees and hedging costs. The notes are not listed on any exchange, carry full credit risk of Bank of Montreal, and embed complex U.S. tax and emerging-market, currency and ETF-related risks.
Bank of Montreal is offering unsecured, S&P 500® Index-linked notes that pay no interest and are designed to be held to maturity, expected 13–15 months after the trade date. Each note has a $1,000 principal amount, and repayment at maturity depends on how the S&P 500 performs between the trade date and the determination date.
If the final index level is at or above 90% of the initial level, holders receive a fixed threshold settlement amount, expected to be between $1,074.90 and $1,087.80 per $1,000 note, capping upside even if the index rises sharply. If the final level is below 90%, principal is reduced by about 1.1111% for every 1% the index falls below that threshold, so some or all principal can be lost. The estimated initial value is expected to be between $960.80 and $990.80 per $1,000, less than the issue price, and the notes will not be listed on any exchange, with all payments subject to Bank of Montreal’s credit risk.