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Bank of Montreal is issuing US$3,001,000 of Senior Medium-Term Notes, Series K, as autocallable barrier notes with memory coupons due January 23, 2029, linked to the worst performer of the VanEck Gold Miners ETF (GDX) and the Energy Select Sector SPDR ETF (XLE). The notes offer a contingent coupon of 0.975% per month (about 11.70% per year) when both ETFs stay at or above their coupon barriers, with missed coupons potentially paid later under the memory feature.
The coupon barriers are set at $71.95 for GDX and $33.32 for XLE, 70% of their initial levels, while trigger levels at 60% of initial mean investors can lose principal if the worst ETF finishes below its trigger on the valuation date. The notes are automatically called beginning July 20, 2026 if both ETFs are at or above their initial levels, returning principal plus any due coupons. They are unsecured obligations of Bank of Montreal, not insured deposits, and have an estimated initial value of $950.52 per $1,000 of principal.
Bank of Montreal is offering US$2,399,000 of Senior Medium-Term Notes, Series K, structured as autocallable barrier notes with memory coupons due February 23, 2027, linked to the Class A subordinate voting shares of Shopify Inc.
The notes pay a contingent coupon of 1.455% per month (approximately 17.46% per annum), or $14.55 per $1,000, only if Shopify’s share price is at or above a coupon barrier of $73.70, which is 51.00% of the Initial Level of $144.50. Beginning July 20, 2026, the notes are automatically redeemed if the share price is above the Initial Level, returning principal plus any due coupons. If no automatic redemption occurs and a Trigger Event happens (Shopify closing below $73.70 on any trading day during the monitoring period) and the final share price is below the Initial Level, investors receive shares (or cash) worth less than the principal. The estimated initial value is $963.27 per $1,000 in principal amount, below the issue price.
Bank of Montreal is offering US$601,000 of senior medium‑term Autocallable Barrier Notes due February 23, 2027, linked to the Class A common stock of Meta Platforms, Inc. The notes pay a contingent coupon of 0.8833% per month (about 10.60% per year) only if Meta’s closing level on each observation date is at or above the coupon barrier of $416.84, which is 69% of the initial level of $604.12.
Starting July 20, 2026, the notes are automatically redeemed if Meta closes above its initial level, returning principal plus that period’s coupon. If not called, investors receive full principal at maturity only if Meta’s final level is at or above the trigger level of $416.84. If Meta finishes below the trigger, investors receive Meta shares (or cash equivalent) worth less than the principal, and could lose their entire investment. The estimated initial value is $967.29 per $1,000 of principal, below the issue price, reflecting fees and hedging costs.
Bank of Montreal is issuing US$1,509,000 of Senior Medium-Term Notes, Series K, Autocallable Barrier Notes with Memory Coupons due January 23, 2029. These notes are linked to the least-performing stock among Apple (AAPL), Amazon (AMZN) and NVIDIA (NVDA).
The notes pay a contingent coupon of 4.8375% per quarter (about 19.35% per year), but only if on each observation date all three stocks are at or above 70% of their initial levels. Missed coupons can be paid later under a memory feature if the barrier is later met. Starting April 20, 2026, the notes are automatically redeemed at par plus coupons if all three stocks are at or above their initial levels.
If the notes are not called and any stock finishes below 70% of its initial level, investors receive shares (or cash) of the worst-performing stock based on a preset ratio, which can be worth significantly less than principal and could be zero. The estimated initial value is $954.04 per $1,000, below the issue price, and the notes are unsecured, uninsured obligations of Bank of Montreal.
Bank of Montreal is offering market-linked notes tied to the EURO STOXX 50® Index. The notes have a principal amount of $1,000 each, total offering size of $1,230,000, and do not pay interest. They mature on February 11, 2028, with performance measured between January 20, 2026 and February 9, 2028.
If the final index level is at or above 82.50% of the initial level of 5,892.08, investors receive a fixed threshold settlement amount of $1,167.90 per note. If it is below this threshold, the payout declines so that investors lose about 1.2121% of principal for every 1% the index falls below the threshold, potentially losing all principal. The estimated initial value is $991.73 per $1,000, below the issue price.
The notes are unsecured obligations of Bank of Montreal, are not insured by any deposit insurer, and will not be listed on any securities exchange, so liquidity may be limited. The pricing supplement highlights complex U.S. and non-U.S. tax considerations and emphasizes that returns depend on both index performance and the issuer’s creditworthiness.
Bank of Montreal is offering senior Medium-Term Notes, Series K, fixed-rate, redeemable notes due January 28, 2033. Each Note has a $1,000 principal amount, pays a fixed interest rate of 4.70% per annum, and pays interest in cash semi-annually on January 28 and July 28, starting July 28, 2026, until maturity or earlier redemption.
The Notes are callable at the issuer’s option, in whole but not in part, at 100% of principal plus accrued interest on optional redemption dates every January 28 and July 28 from July 28, 2027 through July 28, 2032. At maturity, if not redeemed earlier, holders receive $1,000 per Note plus accrued interest. The Notes are unsecured obligations of Bank of Montreal and are not insured by U.S. or Canadian deposit insurance agencies, so payments depend entirely on the bank’s credit.
The Notes are bail-inable under the Canada Deposit Insurance Corporation Act, meaning they can be converted, in whole or in part, into common shares of Bank of Montreal or its affiliates, or varied or extinguished under Canadian resolution powers. They will not be listed on any securities exchange and a trading market is not expected, which may limit liquidity. The original issue price is $1,000 per Note, including a $15 underwriting discount, resulting in $985 in proceeds per Note to Bank of Montreal.
Bank of Montreal is issuing $5,203,000 of capped buffer notes linked to the S&P 500 Index, maturing February 12, 2027. These unsecured senior notes offer 150% leveraged upside on any average gain in the index, but the payment is capped at a Maximum Redemption Amount of $1,113 per $1,000 of principal, equal to an 11.30% maximum return.
If the averaged Final Level of the S&P 500 stays at or above 90% of the Initial Level of 6,963.74, investors receive at least their $1,000 principal back. If the index falls more than 10%, holders lose 1% of principal for each additional 1% decline, up to a 90% loss. The notes pay no interest, will not be listed on any exchange, and all payments depend on Bank of Montreal’s credit.
The price to the public is 100% of principal, with a 0.60% selling commission and 99.40% of proceeds to Bank of Montreal. The bank’s estimated initial value is $989.07 per $1,000, reflecting internal funding and hedging costs. The structure involves complex tax, market and liquidity risks highlighted in the detailed risk sections.
Bank of Montreal is issuing US$1,230,000 Senior Medium-Term Notes, Series K, Digital Return Barrier Notes due July 22, 2027, linked to the least performing of the S&P 500 Index, the Russell 2000 Index and the State Street Utilities Select Sector SPDR Fund. The notes offer a fixed 10.70% digital return at maturity per $1,000 principal if the worst-performing reference asset finishes at or above 60% of its initial level. If the least performing asset falls more than 40% from its initial level, investors lose 1% of principal for each 1% decline, up to a total loss of principal.
The notes pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on an exchange. The price to the public is 100% of principal, with an agent’s commission of 0.375%, and the estimated initial value is $982.70 per $1,000. The structure embeds significant market, sector, liquidity, credit and tax risks that can lead to returns below conventional debt or direct equity exposure.
Bank of Montreal is issuing US$1,323,000 of senior Medium-Term Notes, Series K, autocallable buffer enhanced return notes due January 22, 2029, linked to the least performing of the Russell 2000® Index and the S&P 500® Index. The notes offer 125.00% leveraged upside on any gain in the least performing index if they are not called early, with a potential automatic redemption on January 25, 2027 paying US$1,132.50 per US$1,000 note (about 13.25% per annum). If held to maturity and the least performing index falls more than 20% from its initial level, investors lose 1% of principal for each additional 1% decline, up to an 80.00% loss. The notes pay no interest, are unsecured obligations subject to Bank of Montreal’s credit risk, and had an estimated initial value of $981.29 per $1,000 on the pricing date.
Bank of Montreal is offering US$1,175,000 of senior medium-term capped buffer notes due January 24, 2028, linked to the least performing of the S&P 500 Index and Russell 2000 Index. The notes provide 1-to-1 upside exposure to the least performing index, but gains are capped at a Maximum Redemption Amount of $1,195.50 per $1,000 in principal (a 19.55% maximum return).
If the least performing index finishes down 30% or less from its initial level, investors receive only their $1,000 principal back. If it falls by more than 30%, repayment is reduced 1% for each additional 1% decline, up to a maximum 70% loss of principal. 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 $966.59 per $1,000, below the $1,000 issue price, reflecting offering, structuring and hedging costs. Key risks include equity market risk, heightened volatility from the small-cap Russell 2000, issuer credit risk, limited liquidity, and uncertain U.S. tax treatment of the prepaid derivative structure.