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Bank of Montreal is offering US$1,016,000 of senior medium-term Callable Barrier Notes with Contingent Coupons due December 27, 2027, linked to the least performing of the S&P 500 Index, Russell 2000 Index and Nasdaq-100 Technology Sector Index.
The notes pay a contingent coupon of 0.86% per month (about 10.32% per year), or $8.60 per $1,000, only if on each observation date all three indices are at or above their coupon barriers set at 70% of their initial levels. Starting July 22, 2026, Bank of Montreal may call the notes in whole on any observation date, returning principal plus any due coupon.
If the notes are not called and the final level of any index is below its trigger (the same 70% barrier), investors lose principal in line with the percentage decline of the worst-performing index, potentially receiving zero. The estimated initial value is $979.35 per $1,000, reflecting fees and hedging costs, and the supplement highlights significant structural, market and tax risks.
Bank of Montreal is offering US$13,270,000 of senior unsecured autocallable barrier notes due January 26, 2029, linked to the worst performer of the S&P 500, Russell 2000 and Dow Jones Industrial Average. The notes pay a contingent coupon of 0.5833% per month (about 7.00% per year) only if, on each observation date, all three indexes are at or above their coupon barrier levels, set at 70% of their initial levels.
Starting July 22, 2026, the notes will be automatically redeemed if all three indexes are above 105% of their initial levels on an observation date, returning principal plus the applicable coupon. If not called, and any index finishes below its 70% trigger level at maturity, investors lose principal in line with the decline of the worst index, potentially down to zero. The public offering price is 100% of principal, with an agent’s commission of 3.13%, and the estimated initial value is $967.26 per $1,000. The notes are not bank deposits or insured by any government agency.
Bank of Montreal is issuing $4,650,000 of Senior Medium-Term Notes, Series K, redeemable fixed rate notes due January 12, 2029. Each Note has a $1,000 principal amount, pays 4.05% per annum, with interest paid semi-annually on January 26 and July 26 starting July 26, 2026, and at maturity.
The Notes are callable in whole at 100% of principal plus accrued interest on each January 26 and July 26 from July 26, 2026 through July 26, 2028, which means the issuer can repay early if conditions are favorable. At maturity, if not redeemed, investors receive $1,000 per Note plus accrued interest.
The issue price is $1,000 per Note, including a $6 underwriting discount, resulting in $4,622,797.50 in proceeds to Bank of Montreal. The Notes are unsecured, bail-inable obligations of Bank of Montreal, not insured by U.S. or Canadian deposit insurance, may be converted into common shares under Canadian bail-in powers, and are not expected to have an active secondary market.
Bank of Montreal is issuing $6,264,000 of Senior Medium-Term Notes, Series K, redeemable fixed rate notes due January 13, 2031. The notes have a principal amount of $1,000 per note, pay 4.40% per annum, with interest paid semi-annually on January 26 and July 26 starting July 26, 2026, and at maturity unless redeemed earlier.
Bank of Montreal may redeem the notes in whole, but not in part, at 100% of principal plus accrued interest on each January 26 and July 26 from January 26, 2027 through July 26, 2030. The notes are unsecured obligations of Bank of Montreal, are bail-inable under the Canada Deposit Insurance Corporation Act, and can be converted into common shares or varied or extinguished in a resolution scenario.
The notes will not be listed on any securities exchange, so liquidity may be limited. The original issue price is $1,000 per note, including a $10 underwriting discount, providing $6,201,360 in proceeds to Bank of Montreal. Investors face interest rate, call, credit, bail-in and secondary-market pricing risks.
Bank of Montreal is offering $1,138,000 of Senior Medium-Term Notes, Series K, redeemable fixed rate notes due January 26, 2033. Each note has a $1,000 principal amount and pays fixed interest of 4.80% per annum, with interest paid semi-annually on January 26 and July 26, starting July 26, 2026.
The notes are callable at Bank of Montreal’s option, in whole but not in part, at 100% of principal plus accrued interest on each January 26 and July 26 from January 26, 2027 through July 26, 2032. If not redeemed, holders receive $1,000 per note plus accrued interest at maturity.
The notes are unsecured obligations of Bank of Montreal, will not be listed on any exchange, and are described as bail-inable notes, meaning they can be converted into common shares or varied or extinguished under the Canada Deposit Insurance Corporation Act in a resolution scenario. They are not insured by U.S. or Canadian deposit insurance agencies, and the filing highlights credit risk, interest rate risk, call risk and limited or no secondary market liquidity.
Bank of Montreal is issuing US$1,246,000 of Senior Medium-Term Notes, Series K, as callable barrier notes with contingent coupons linked to the common stock of SoFi Technologies, Inc. (SOFI), maturing on July 23, 2027.
The notes pay a monthly contingent coupon of 2.185% of principal (about 26.22% per year) only if SoFi’s closing share price on each observation date is at or above the coupon barrier of $15.29, which is 60% of the initial level of $25.49. Beginning July 20, 2026, Bank of Montreal may call the notes in whole on any observation date, in which case investors receive principal plus any due coupon on the call settlement date.
If the notes are not called, principal repayment depends on SoFi’s final level on the valuation date. Investors receive full principal if the final level is at or above the trigger level of $12.75 (50% of the initial level). If the final level is below the trigger, repayment is reduced in proportion to the stock’s decline, and can fall to zero. The notes are unsecured obligations, have an estimated initial value of $982.72 per $1,000 of principal, and are intended to be treated as pre-paid contingent income-bearing derivative contracts for U.S. federal tax purposes.
Bank of Montreal is issuing US$763,000 of Senior Medium-Term Notes, Series K, as autocallable barrier notes with memory coupons due January 25, 2028, linked to the Global X Uranium ETF (URA). The notes offer a contingent coupon of 3.2875% per quarter (about 13.15% per year) when URA’s closing level is at or above a barrier set at 60% of the initial level, with unpaid coupons potentially paid later under a memory feature. Starting July 20, 2026, the notes are automatically redeemed if URA closes above its initial level on an observation date, returning principal plus any due coupons. If not called and URA finishes below the 60% trigger level on the valuation date, investors receive URA shares (or cash equivalent) worth less than principal, potentially as low as zero, while the estimated initial value is $941.50 per $1,000 face amount.
Bank of Montreal is offering US$13,439,000 of senior autocallable barrier notes linked to Shopify Inc.’s Class A subordinate voting shares. The notes pay a contingent monthly coupon of 1.275% (approximately 15.30% per annum) for each US$1,000 principal, but only if Shopify’s share price on each observation date is at or above the US$80.92 coupon barrier, which is 56.00% of the US$144.50 initial level. Beginning July 20, 2026, the notes are automatically redeemed if Shopify’s closing level is at or above the initial level, returning principal plus the coupon. If the notes are not called and Shopify’s final level falls below the US$80.92 trigger level, investors lose principal in line with the share price decline, potentially losing the entire investment. The estimated initial value is US$963.41 per US$1,000, reflecting fees and hedging costs.
Bank of Montreal is issuing $405,000 of Senior Medium-Term Notes, Series K, Digital Return Barrier Notes due February 23, 2027, linked to the least performing of the S&P 500 Index, NASDAQ-100 Index and Russell 2000 Index. The notes offer a fixed 8.85% digital return per $1,000 at maturity if the worst-performing index is at or above 65% of its initial level on the valuation date.
If the least performing index closes below this 65% barrier, investors lose 1% of principal for each 1% decline from its initial level, with up to a total loss of principal. The notes pay no periodic interest, are unsecured obligations of Bank of Montreal, and will not be listed on any exchange. The price to the public is 100% of principal, with a 0.65% agent’s commission, and the estimated initial value is $983.53 per $1,000, reflecting offering, structuring and hedging costs.
Bank of Montreal is issuing $370,000 of Senior Medium-Term Notes, Series K, due January 24, 2028, that are digital return barrier notes linked to the Class B common stock of NIKE, Inc. The notes offer a fixed 22.09% digital return per $1,000 of principal if NIKE’s final stock level on the valuation date is at least 61.00% of its initial level of $63.63. If NIKE’s final level falls below this 61.00% barrier, investors lose 1% of principal for each 1% decline from the initial level and can lose up to their entire investment. The notes pay no interest, are unsecured obligations subject to Bank of Montreal’s credit risk, and will not be listed on any exchange. The price to the public is 100% of principal, with a 2.55% agent’s commission and 97.45% of proceeds to Bank of Montreal. The estimated initial value is $962.74 per $1,000 note, and the issuer highlights structural, market, liquidity and tax risks.