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Bank of Montreal is offering senior medium-term notes that pay a fixed interest rate of 4.65% per year on a principal amount of $1,000 per Note. Interest is paid in cash in U.S. dollars every January 28 and July 28, starting July 28, 2026, until maturity on January 28, 2031, unless the Notes are redeemed earlier.
The Notes are callable in whole by Bank of Montreal at 100% of principal plus accrued interest on each January 28 and July 28 from January 28, 2028 through July 28, 2030. They are unsecured obligations, not insured by any government agency, and all payments depend on Bank of Montreal’s credit.
The Notes are bail-inable under the Canada Deposit Insurance Corporation Act, meaning they can be converted into common shares or varied or extinguished in a resolution scenario. They will not be listed on any securities exchange, so investors may face limited or no secondary market liquidity. An underwriting discount of $3.00 per Note reduces proceeds to the issuer to $997.00 per Note.
Bank of Montreal is issuing senior medium-term, equity-linked notes tied to the lower performer of CoreWeave Class A shares and lululemon athletica common stock, maturing in January 2029. The $1,000-denomination securities pay a high 26.00% per annum contingent coupon, evaluated quarterly, only if the worst underlier’s closing value is at least 50% of its starting value. Missed coupons feature a “memory” so they are repaid if a later observation meets the threshold.
From July 2026 to October 2028, the notes auto-call at par plus the due and unpaid coupons if the worst underlier is at or above its starting value. If not called, principal is protected at maturity only if the worst underlier is at or above 50% of its starting value; otherwise, repayment falls one-for-one with that underlier’s decline, with losses greater than 50% and up to total loss possible.
Investors do not participate in any upside of either stock and receive no dividends. All payments depend on Bank of Montreal’s credit, the notes are not insured or exchange-listed, and the estimated initial value is $920 per $1,000 security versus a $1,000 original offering price on a total issue of $896,000.
Bank of Montreal is issuing US$1,225,000 of Senior Medium-Term Notes, Series K, Contingent Risk Absolute Return Barrier Notes due January 27, 2031, linked to the S&P 500® Futures Excess Return Index. The notes offer 190.88% leveraged upside on any positive index performance. If no Barrier Event occurs and the index finishes below its Initial Level of 558.74 but at or above the Barrier Level of 335.24 (60% of the Initial Level), investors receive a positive “absolute return” on the decline, capped at a Maximum Downside Redemption Amount of $1,400 per $1,000 of principal (a 40% gain).
If the Final Level is below the Barrier Level, the payoff becomes fully at risk and investors lose 1% of principal for every 1% index decline, with up to a total loss of principal. The notes pay no interest, are unsecured obligations of Bank of Montreal, will not be listed on an exchange, and are subject to the bank’s credit risk. The price to the public is 100% of principal, with a 0.50% agent’s commission and 99.50% of proceeds to Bank of Montreal, and the estimated initial value is $1,016.70 per $1,000 note as of the pricing date.
Bank of Montreal is offering US$1,803,000 of Senior Medium-Term Notes, Series K, Autocallable Barrier Enhanced Return Notes due January 26, 2029. These unsecured notes are linked to the least performing of Moderna (MRNA) stock, Micron Technology (MU) stock and Sibanye Stillwater (SBSW) ADRs, and pay no interest.
The notes may be automatically redeemed on April 22, 2026 if each reference asset closes above 80% of its initial level, returning principal plus a fixed call amount of $330 per $1,000 note, a return of about 132% per annum for that period. If not called and the least performing asset finishes at or above its initial level, investors receive 200% of its gain; if it finishes between 60% and 100% of its initial level, only principal is returned.
If the least performing asset ends below 60% of its initial level, repayment is reduced 1% for each 1% decline, down to a possible total loss. The notes will not be listed, are subject to Bank of Montreal’s credit risk, and had an estimated initial value of $924.55 per $1,000 on the pricing date, reflecting offering, structuring and hedging costs.
Bank of Montreal is offering US$1,715,000 of Senior Medium-Term Notes, Series K, autocallable barrier enhanced return notes due January 26, 2029, linked to the least performing of Amkor Technology, Intel, and MongoDB common stock.
The notes provide 200.00% leveraged upside on any gain of the least performing stock at maturity if they are not automatically redeemed. On April 22, 2026, if each stock closes above 80.00% of its initial level, the notes are automatically called and, on April 27, 2026, pay principal plus a $285 per note call amount, a return of about 114.00% per annum.
If not called and the worst stock finishes at or above 60.00% of its initial level, investors receive principal only; below that 60.00% barrier, principal is reduced 1% for each 1% decline, with losses up to 100%. The notes pay no interest, will not be listed, are unsecured obligations of Bank of Montreal, and all payments are subject to its credit risk. The estimated initial value is $959.47 per $1,000, below the price to public due to offering, structuring, and hedging costs.
Bank of Montreal is issuing an additional $75,000,000,000 of Gold Miners -3X Inverse Leveraged ETNs, bringing the total outstanding notes of this tranche to $125,000,000,000. These unsecured senior notes, listed on NYSE as GDXD, provide -3x daily leveraged inverse exposure to the S-Network MicroSectors Gold Miners Index, which is based on the VanEck Gold Miners ETF (GDX) and Junior Gold Miners ETF (GDXJ).
Each note now has a principal amount of $5,000 after prior reverse splits, pays no interest, and is subject to a 0.95% annual Daily Investor Fee, a floating Daily Interest that can become negative, and a 0.125% Redemption Fee on holder-initiated redemptions. The bank can call all or part of the notes at its discretion, and holders generally must redeem at least 25,000 notes at a time.
The notes are intended only as short-term trading tools for sophisticated investors. Because of daily rebalancing, leverage, fees and index volatility, the ETNs are prone to “decay,” can lose most or all of their value even if the index falls over time, and embed full credit risk of Bank of Montreal.
Bank of Montreal is issuing US$998,000 of Senior Medium-Term Notes, Series K, as autocallable barrier enhanced return notes due January 26, 2029, linked to the least performing of the Nasdaq-100 Technology Sector Index, the Russell 2000 Index and the S&P 500 Index. The notes pay no interest and are unsecured obligations of Bank of Montreal.
On January 27, 2027, if each index closes above its initial level, the notes are automatically redeemed and investors receive principal plus a call amount of $190 per $1,000 note, equal to about 19% per year, with no further upside. If the notes are not called and, at maturity, the least performing index is at or above its initial level, investors get their principal plus 175% of that index’s positive return. If it is below its initial level but at or above 70% of that level, investors receive only their principal back.
If the least performing index finishes below 70% of its initial level, investors lose 1% of principal for each 1% decline and can lose their entire investment. The notes are not listed on an exchange, carry Bank of Montreal credit risk, and have an estimated initial value of $971.93 per $1,000, below the public offering price.
Bank of Montreal is offering US$605,000 of Senior Medium‑Term Notes, Series K, called Digital Return Buffer Notes due February 26, 2027, linked to the American depositary receipts of Baidu, Inc. The notes offer a fixed 26.80% digital return on the $1,000 principal if the Baidu ADR closing level on the valuation date is at least 90% of its initial level of $162.28.
If the Baidu ADR falls more than 10% below the initial level, investors lose 1% of principal for each additional 1% decline, up to a maximum loss of 90% of principal. The notes pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on any exchange, so liquidity may be limited.
The price to the public is 100% of principal with a 1.25% selling commission; the bank’s estimated initial value is $963.97 per $1,000, reflecting structuring and hedging costs. Investors do not receive Baidu dividends or shares and bear Bank of Montreal’s credit risk as well as market risk in the Baidu ADRs.
Bank of Montreal is offering $530,000 of Senior Medium-Term Notes, Series K, callable barrier notes due January 26, 2029, linked to the least performing of Tesla, Advanced Micro Devices and NVIDIA common stocks. The notes pay a contingent coupon of 2.1875% per month (approximately 26.25% per year), or $21.875 per $1,000, only if on each observation date all three stocks close at or above their respective coupon barrier levels, set at 50% of their initial levels.
Beginning April 22, 2026, Bank of Montreal may call the notes in whole on any observation date, returning principal plus any due coupon on the next coupon payment date. If the notes are not called and any stock finishes below its 50% trigger level on the valuation date, investors will incur a loss of principal proportional to the decline of the worst-performing stock, which could result in receiving little or no repayment at maturity. The estimated initial value is $973.28 per $1,000 of principal, reflecting structuring and hedging costs.
Bank of Montreal is issuing US$1,703,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes with memory coupons due July 26, 2027. The notes are linked to the least-performing of the VanEck Gold Miners ETF (GDX), the S&P 500 Index (SPX), and the VanEck Semiconductor ETF (SMH).
Investors may receive monthly contingent coupons at 1.2925% (approximately 15.51% per annum) per US$1,000, but only if each reference asset is at or above its coupon barrier level, set at 70.00% of its initial level. Principal is protected at maturity only if no trigger event occurs; a trigger event happens if any reference asset finishes below 60.00% of its initial level, in which case repayment is reduced in line with the loss on the worst performer and can fall to zero.
The notes can be automatically redeemed starting July 22, 2026 if all reference assets are at or above their initial levels, returning principal plus any due coupons. The estimated initial value is $966.37 per US$1,000 principal, reflecting structuring and hedging costs. The notes are unsecured obligations of Bank of Montreal and carry the structural, market and credit risks highlighted in the risk sections.