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Bank of Montreal is issuing $63,000 of senior medium-term Autocallable Barrier Enhanced Return Notes linked to Intel Corporation common stock, maturing on January 22, 2029. The notes pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on any exchange.
The structure offers 150% leveraged upside at maturity if Intel’s final stock price is at or above its initial level of $48.32, subject to an automatic call on January 21, 2027 if the stock is above the 100% call level, paying $1,194.70 per $1,000 note. Principal is protected only down to a barrier of $28.99 (60% of the initial level); below that, investors lose 1% of principal for each 1% decline and can lose their entire investment.
The notes are sold at 100% of principal with a 4.50% agent commission and 95.50% proceeds to Bank of Montreal, and have an estimated initial value of $893.23 per $1,000, reflecting embedded costs and hedging.
Bank of Montreal is issuing US$30,000 of senior autocallable barrier enhanced return notes due January 22, 2029, linked to the Class A common stock of Palantir Technologies Inc. The notes offer 150% leveraged upside on any positive stock performance at maturity if they are not automatically redeemed and the final stock level is at or above the initial level of $177.07.
The notes may be automatically redeemed on January 21, 2027 if Palantir’s share price is above 100% of the initial level, in which case investors receive principal plus a call amount of $265.30 per $1,000 note, reflecting approximately 26.53% per annum, and no further upside. A 60% barrier at $106.24 protects principal only if the final level stays at or above that level; below it, investors lose 1% of principal for each 1% stock decline and can lose their entire investment.
The notes pay no interest, are unsecured obligations of Bank of Montreal, will not be listed on an exchange, and are subject to BMO’s credit risk. The price to the public is 100% of principal with a 4.50% selling commission, and the estimated initial value is $932.22 per $1,000 note.
Bank of Montreal is offering US$110,000 of Senior Medium-Term Notes, Series K, autocallable barrier enhanced return notes due January 22, 2029, linked to Tesla, Inc. common stock. The notes pay no interest and are unsecured obligations of Bank of Montreal.
On January 21, 2027, if Tesla’s closing price is above 100% of the initial level of $438.57, the notes are automatically redeemed and investors receive principal plus a fixed Call Amount of $219.20 per $1,000, a return of about 21.92% per year, with no further upside participation. If held to maturity and not called, investors get 150% of any positive price change in Tesla; if Tesla is below the initial level but at or above the 60% barrier of $263.14, only principal is returned.
If at maturity Tesla is below the barrier, repayment is reduced one-for-one with Tesla’s loss from the initial level, and investors can lose their entire principal. The notes are not listed, are subject to Bank of Montreal’s credit risk, and had an estimated initial value of $933.88 per $1,000, below the price to the public.
Bank of Montreal is issuing $2,200,000 of Senior Medium-Term Notes, Series K, as autocallable barrier notes with contingent coupons due January 22, 2029, linked to the common stock of Matador Resources Company. The notes pay a contingent coupon at a rate of 3.50% per quarter (approximately 14.00% per annum) if, on each Observation Date, the share price is at or above the Coupon Barrier Level of $27.81, which is 65.00% of the Initial Level of $42.79.
Beginning July 17, 2026, the notes are automatically redeemed if the stock closes above 100% of the Initial Level on an Observation Date, returning principal plus that quarter’s coupon. If the notes are not called and the Final Level on January 17, 2029 is below the Trigger Level of $27.81, investors lose principal in line with the stock’s percentage decline and could receive nothing. The estimated initial value is $944.45 per $1,000 in principal, reflecting hedging and structuring costs, and the notes are unsecured obligations of Bank of Montreal with complex tax and market risks.
Bank of Montreal is offering US$5,478,000 of Senior Medium-Term Notes, Series K, as autocallable barrier notes with contingent coupons due January 4, 2029, linked to the common stock of UnitedHealth Group Incorporated (UNH). The notes pay a 3.50% quarterly contingent coupon (about 14.00% per year) only if UNH’s closing level on an observation date is at or above the coupon barrier of $254.22, which is 75.00% of the initial level of $338.96. Starting March 31, 2026, the notes are automatically redeemed if UNH closes above its initial level on an observation date, returning principal plus the applicable coupon.
If the notes are not called, investors receive $1,000 per $1,000 note at maturity unless a trigger event occurs. A trigger event happens if UNH’s final level on the valuation date is below $254.22; in that case, repayment is reduced in line with the percentage decline in UNH and can fall to zero. The notes are unsecured obligations of Bank of Montreal, not insured deposits, and the estimated initial value is $970.95 per $1,000 face amount.
Bank of Montreal is issuing US$463,000 of Senior Medium‑Term Notes, Series K, as autocallable barrier notes with contingent coupons due January 4, 2029, linked to Apollo Global Management, Inc. common stock. The notes pay a contingent coupon of 3.275% per quarter (about 13.10% per year), or $32.75 per $1,000, only if APO’s closing level on an observation date is at or above the coupon barrier of $108.11, which is 75% of the $144.15 initial level. Starting March 31, 2026, the notes are automatically redeemed if APO closes above the initial level on an observation date, returning principal plus the coupon. If not called and APO finishes at or above the $108.11 trigger on the valuation date, investors receive full principal; if it finishes below the trigger, principal is reduced one‑for‑one with APO’s percentage loss, down to zero. The estimated initial value is $967.56 per $1,000, reflecting structuring and hedging costs.
Bank of Montreal is issuing US$741,000 of senior Medium-Term Notes, Series K, as autocallable barrier notes with memory coupons due January 22, 2029, linked to the least performing of Broadcom (AVGO), NVIDIA (NVDA) and Oracle (ORCL) common stock. The notes pay a contingent coupon of 6.425% per quarter (approximately 25.70% per year), or $64.25 per $1,000, only if on an observation date each stock is at or above its coupon barrier, set at 65% of its initial level; unpaid coupons may be paid later under the memory feature.
Beginning April 17, 2026, the notes are automatically redeemed if each stock is at or above its initial level, returning principal plus any due coupons. If not called, and no trigger event occurs, investors receive $1,000 per note at maturity; if the least performing stock ends below its trigger level (also 65% of its initial level), repayment is in shares (or cash equivalent) of that stock, and investors can lose most or all of their principal. The notes are unsecured obligations, with an estimated initial value of $949.66 per $1,000 on the pricing date.
Bank of Montreal is issuing US$2,847,000 of Senior Medium-Term Notes, Series K, as autocallable barrier notes with contingent coupons due January 4, 2029, linked to the common stock of Occidental Petroleum Corporation (OXY). The notes pay a 3.00% quarterly contingent coupon (about 12% per year) only if OXY’s closing level on each observation date is at or above the coupon barrier of $32.38, which is 75% of the initial level of $43.17.
Starting March 31, 2026, the notes are automatically redeemed if OXY’s level is at or above 100% of the initial level on an observation date, returning principal plus that period’s coupon. If the notes are not called and OXY’s final level on December 29, 2028 is at or above the $32.38 trigger level, investors receive full principal back at maturity, plus any final coupon. If the final level is below the trigger, repayment is reduced one-for-one with OXY’s decline from the initial level, and can be as low as zero. The estimated initial value is $968.24 per $1,000 principal, reflecting fees and hedging costs.
Bank of Montreal is offering equity-linked notes tied to the EURO STOXX 50® Index that do not pay interest and are designed to be held to maturity. The notes are expected to run for about 24–27 months, with repayment on a stated maturity date after a single determination date.
At maturity, for each $1,000 note, investors will receive a fixed threshold settlement amount expected between $1,136.90 and $1,161.00 if the index’s final level is at least 82.50% of its initial level. If the final level is below this threshold, the payoff falls below principal, with investors losing about 1.2121% of principal for every 1% the index ends below the threshold, potentially resulting in a total loss.
The notes are unsecured obligations of Bank of Montreal, are not insured by any government agency, will not be listed on an exchange, and have an estimated initial value between $969.00 and $999.00 per $1,000, less than the original issue price. The filing highlights market, liquidity, credit and tax risks, including uncertain U.S. tax treatment.
Bank of Montreal is issuing US$8,112,000 of senior medium-term Autocallable Barrier Notes due January 4, 2029, linked to NVIDIA Corporation common stock. The notes offer quarterly contingent coupons of 4.4375% (about 17.75% per year), paying $44.375 per $1,000 only if NVDA’s closing level on an observation date is at or above a coupon barrier of $130.94, which is 70% of the $187.05 initial level.
Beginning March 31, 2026, the notes are automatically redeemed if NVDA is at or above the initial level on an observation date, returning principal plus that period’s coupon. If the notes are not called and NVDA finishes below the $130.94 trigger level on the December 29, 2028 valuation date, investors lose principal in line with the stock’s decline and could receive nothing at maturity. The estimated initial value is $974.56 per $1,000, reflecting upfront hedging and distribution costs.