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Bank of Montreal is issuing US$1,650,000 of senior medium-term Autocallable Barrier Notes due January 22, 2029, linked to the worst performer of the State Street Materials Select Sector SPDR ETF (XLB) and the State Street SPDR S&P Bank ETF (KBE). The notes pay a contingent coupon of 2.75% per quarter (about 11.00% per year) only if, on each observation date, both ETFs close at or above their coupon barrier levels, set at 80.00% of their initial levels.
Beginning July 17, 2026, the notes can be automatically redeemed if each ETF is at or above its initial level, in which case investors receive principal plus the due coupon. If the notes are not called and any ETF finishes below its 80.00% trigger level at maturity, investors take a loss matching the decline of the worst ETF, which can result in losing their entire principal. The estimated initial value is $960.27 per $1,000, reflecting fees and hedging costs.
Bank of Montreal is offering senior medium-term Redeemable Fixed Rate Notes, Series K, due January 30, 2031. Each Note has a $1,000 principal amount and pays fixed interest at 4.50% per annum, with interest paid semi-annually on January 30 and July 30, starting July 30, 2026. At maturity, unless earlier redeemed, holders receive $1,000 per Note plus any accrued and unpaid interest.
The Notes are callable at Bank of Montreal’s option, in whole but not in part, at 100% of principal plus accrued interest on January 30 and July 30 of each year from January 30, 2027 through July 30, 2030. They are unsecured obligations of Bank of Montreal, subject to its credit risk, and 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, resulting in $990 in proceeds to Bank of Montreal per Note before expenses. The Notes are “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, and holders agree to be bound by those provisions.
Bank of Montreal is issuing $2,395,000 of Senior Medium-Term Notes, Series K, in the form of barrier notes with contingent coupons due January 22, 2029. The notes are linked to the least performing of the Russell 2000 Index and the S&P 500 Index, with initial levels of 2,677.738 for RTY and 6,940.01 for SPX. Investors can receive a 4.175% semiannual contingent coupon (about 8.35% per year), or $41.75 per $1,000, on each coupon date only if both indices close at or above 75% of their initial levels.
At maturity, holders receive $1,000 per $1,000 note unless a trigger event occurs, defined as either index finishing below 75% of its initial level on the valuation date. If the trigger is hit, repayment is reduced in proportion to the loss of the worst index and can fall to zero. The notes are unsecured obligations of Bank of Montreal, with an estimated initial value of $975.86 per $1,000 based on internal pricing models.
Bank of Montreal is issuing US$1,040,000 of senior medium-term Barrier Notes due January 22, 2029, linked to the worst performer of the Russell 2000 Index and the S&P 500 Index. The notes pay contingent semiannual coupons at 3.625% per period (about 7.25% per year), only if on each observation date both indexes are at or above their coupon barrier levels, which are set at 75% of their initial levels.
At maturity, investors receive the full US$1,000 principal per note if no trigger event has occurred. A trigger event occurs if, on the valuation date, the final level of either index is below its 75% trigger level. If that happens, the redemption amount is reduced in proportion to the loss of the worst-performing index and can fall to zero, meaning full loss of principal, though any final contingent coupon that is due would still be paid.
The initial levels are 2,677.738 for the Russell 2000 and 6,940.01 for the S&P 500, with barriers and triggers at 2,008.304 and 5,205.01 respectively. The notes are unsecured obligations of Bank of Montreal, not insured deposits, and their estimated initial value is $950.19 per $1,000 in principal, reflecting structuring and hedging costs.
Bank of Montreal is issuing $4,105,000 of Senior Medium-Term Notes, Series K, as callable barrier notes with contingent coupons due January 22, 2029. The notes are linked to the least performing of the S&P 500 Index, the NASDAQ-100 Index and the Russell 2000 Index, with initial levels of 6,940.01 (SPX), 25,529.26 (NDX) and 2,677.738 (RTY).
The notes pay a 4.15% contingent coupon per semiannual period (about 8.30% per year) only if on each observation date all three indexes are at or above their coupon barrier levels, set at 60% of their initial levels. The same 60% levels act as triggers for principal repayment at maturity if the notes are not called.
Beginning July 17, 2026, Bank of Montreal may call the notes in whole on any observation date, returning principal plus any due coupon. If not called and any index finishes below its trigger on the valuation date, principal is reduced one-for-one with the loss on the worst-performing index and can fall to zero. The estimated initial value is $985.75 per $1,000 of principal.
Bank of Montreal is offering US$4,644,000 of Senior Medium-Term Notes, Series K, callable barrier notes with contingent coupons due January 22, 2029. The notes are linked to the least performing of the S&P 500 Index, NASDAQ-100 Index and Russell 2000 Index. Investors can receive contingent semiannual coupons at 3.65% per period (about 7.30% per year) only if all three indexes stay at or above 60.00% of their initial levels on each observation date.
Beginning July 17, 2026, the bank may redeem the notes in whole on any observation date, returning principal plus any due coupon. If the notes are not called and any index finishes below its 60.00% trigger level on the valuation date, principal is reduced in line with the loss on the worst-performing index, potentially to zero. The estimated initial value is $970.53 per $1,000 principal, below the issue price, reflecting fees and hedging costs.
Bank of Montreal is offering US$2,238,000 of Senior Medium-Term Notes, Series K, autocallable buffer enhanced return notes maturing on January 22, 2029, linked to the worst performer of the Russell 2000® Index and the S&P 500® Index.
The notes offer 125.00% leveraged upside on any positive performance of the least performing index if they are not called early, with no periodic interest. On January 25, 2027, if both indices are at or above their initial levels, the notes are automatically redeemed for principal plus a $96.00 call amount per $1,000 (about 9.60% per annum), and investors forgo further upside.
If held to maturity and the least performing index is down 20.00% or less, investors receive full principal; below that 20.00% buffer, losses increase 1% for each additional 1% decline, up to an 80.00% principal loss. The notes are unsecured, not listed on any exchange, and their estimated initial value is $961.70 per $1,000, reflecting offering and hedging costs and BMO’s internal funding rate.
Bank of Montreal is issuing $43,953,000 of Senior Medium-Term Notes, Series K, maturing on January 26, 2029, whose payoff is linked to the common stock of General Dynamics Corporation (GD).
Investors receive quarterly coupons at an interest rate of 0.25% per quarter (about 1.00% per year, or $2.50 per $1,000 note. At maturity, holders receive either $1,000 in cash per note or, if the stock performs strongly, the “Alternative Redemption Amount,” which is the Share Exchange Amount of 2.27743183 multiplied by the average final stock level. Because of a Conversion Premium Amount of 1.198 (a 19.80% premium), the payment per note will exceed $1,000 only if the final stock level is more than 19.80% above the Initial Level of $366.5201.
The notes are unsecured obligations of Bank of Montreal, will not be listed on any exchange, and have an estimated initial value of $988.20 per $1,000. Key risks include potential loss of principal, limited liquidity, sensitivity to dividends on GD stock, possible impact of Extraordinary Events, Bank of Montreal’s credit risk, and complex U.S. tax treatment as contingent payment debt instruments.
Bank of Montreal is offering Series K senior unsecured exchangeable notes whose payoff is linked to one or more equity securities or a weighted basket of equities. At maturity, investors receive the greater of the principal per note or an amount tied to the final equity level through a defined formula using an Alternative Redemption Amount, which may involve cash or, if specified later, physical share delivery.
The notes typically pay no periodic interest unless a future pricing supplement states otherwise, and they are subject to an issuer call feature and a potential holder exchange right, both of which can accelerate payment. Key risks include possible loss of part or all of the investment if exchanged early, complex formulas driven by conversion premiums and averaging conventions, lack of exchange listing and limited liquidity, sensitivity to Bank of Montreal’s credit, and uncertain, potentially onerous tax treatment under contingent payment debt rules.
Bank of Montreal is offering US$1,944,000 of Senior Medium-Term Notes, Series K Digital Return Notes due January 28, 2027, linked to the State Street Energy Select Sector SPDR ETF (XLE). These unsecured notes pay no interest and are designed to provide an 18.25% digital return at maturity if the ETF’s final level on January 25, 2027 is at or above its initial level of $47.61. If the ETF finishes below this barrier, principal is reduced 1% for each 1% decline in the ETF, potentially resulting in a total loss of principal. The notes are issued at 100% of principal with a 2.00% selling commission, and Bank of Montreal’s estimated initial value is $960.92 per $1,000, reflecting structuring and hedging costs. All payments depend on Bank of Montreal’s credit and the notes will not be listed on any exchange.