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Bank of Montreal is offering senior Market Linked Securities that are auto-callable notes linked to the lowest performer of CrowdStrike, Intel and Marvell common stock, maturing on January 19, 2029. Each security has a $1,000 face amount with an estimated initial value of $946.32 and pays a 20.10% per annum contingent coupon, due monthly only if the lowest performing stock closes at or above 50% of its starting value. From July 2026 to December 2028, the notes are automatically called if the lowest performer is at or above its starting value, returning principal plus applicable coupons. If the notes are not called and the lowest performer ends below 50% of its starting value at maturity, investors lose principal in full proportion to that decline and can lose most or all of their investment. The notes are unsecured obligations of Bank of Montreal, not listed on any exchange, carry complex payoff, correlation and reinvestment risks, and have uncertain U.S. tax treatment, including potential 30% withholding for certain non-U.S. holders.
Bank of Montreal is offering senior medium-term Redeemable Fixed Rate Notes, Series K, due February 6, 2041. Each Note has a $1,000 principal amount and pays fixed interest at 5.25% per annum, with interest paid annually on February 6, starting in 2027, until maturity or earlier redemption.
The Notes are callable by Bank of Montreal, in whole but not in part, at 100% of principal plus accrued interest on quarterly redemption dates beginning February 6, 2029 through November 6, 2040. They are unsecured obligations of Bank of Montreal, are bail-inable notes 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, may have limited or no secondary market liquidity, and their value and payments are subject to Bank of Montreal’s credit risk.
Bank of Montreal is offering US$7,708,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes with memory coupons due January 22, 2029, linked to the least performing of Meta Platforms Class A shares, Alphabet Class C shares and NVIDIA common stock. The notes pay a contingent monthly coupon of 1.3333% (about 16.00% per year), or $13.333 per $1,000, only if on an observation date each stock closes at or above its coupon barrier level, set at 60.00% of its initial level.
Beginning January 19, 2027, if on any observation date each stock is at or above its initial level (the call level), the notes are automatically redeemed at par plus any due coupons. If the notes are not called and, on the final valuation date, any stock closes below its 60.00% trigger level, investors lose principal in proportion to the decline of the worst-performing stock, potentially down to zero. The estimated initial value is $951.18 per $1,000, reflecting fees and hedging costs, and the notes are unsecured obligations of Bank of Montreal.
Bank of Montreal is offering US$13,072,000 of senior medium-term Autocallable Barrier Notes due January 22, 2029, linked to the least performing of Meta Platforms Class A, Alphabet Class C and NVIDIA common stock. The notes may pay a monthly contingent coupon of 1.4667% (approximately 17.60% per year), but only if on an Observation Date each stock closes at or above its Coupon Barrier Level, which is 60% of its Initial Level; missed coupons can be paid later under the memory feature.
Beginning January 19, 2027, if on any Observation Date all three stocks are at or above 100% of their Initial Levels, the notes are automatically redeemed at principal plus any due coupons. If the notes are not called, at maturity investors receive principal back only if no stock finishes below its 60% Trigger Level; otherwise repayment is reduced in line with the loss on the worst-performing stock and can fall to zero. The estimated initial value is $974.02 per $1,000, and the notes are unsecured obligations with no deposit insurance and complex tax and risk considerations.
Bank of Montreal is issuing US$1,623,000 of Senior Medium-Term Notes, Series K, autocallable barrier enhanced return notes due January 21, 2031, linked to the NASDAQ-100 Index®. The notes offer 150.00% leveraged upside on any index gain at maturity if they are not called, but pay no interest and are unsecured obligations subject to Bank of Montreal’s credit risk.
On January 21, 2027, if the index is above 100% of its initial level of 25,465.94, the notes are automatically redeemed at $1,103.50 per $1,000, a return of about 10.35% per year, with no further participation. If held to maturity and the index falls more than 25% below the initial level (below the 75.00% barrier of 19,099.46), repayment of principal is reduced 1% for each 1% index loss, down to total loss of principal.
The notes are issued at 100% of principal, with an estimated initial value of $975.00 per $1,000 due to offering, structuring and hedging costs. They will not be listed on any exchange, may have limited liquidity, and selected dealers receive a structuring fee of up to $8.00 per note.
Bank of Montreal is issuing US$612,000 of senior market-linked notes due January 20, 2028 tied to the least performing of the S&P 500 and Russell 2000 indexes. The notes offer 1-to-1 upside exposure to any gain in the weaker index, but returns are capped at a Maximum Redemption Amount of $1,146.10 per $1,000 of principal, equal to a 14.61% maximum total return. If the least performing index finishes at or below its starting level, investors receive only their $1,000 principal per note and no gain, though they are not exposed to index-based losses at maturity.
The notes pay no interest, will not be listed on an exchange, and are unsecured obligations of Bank of Montreal, so all payments depend on the bank’s credit. The initial estimated value is $983.89 per $1,000, below the issue price, reflecting offering costs and hedging. U.S. holders are expected to be taxed under contingent payment debt rules, potentially recognizing taxable income each year before maturity.
Bank of Montreal is issuing US$683,000 of senior medium-term Callable Barrier Notes due July 20, 2027, linked to the Class A common stock of Robinhood Markets, Inc. The notes pay a contingent monthly coupon of 1.79% (approximately 21.48% per year), but only if the Robinhood share price on each observation date is at or above the coupon barrier level of $59.84, which is 50% of the initial level of $119.67. Beginning April 15, 2026, BMO may call the notes on any observation date, returning principal plus any due coupon. If the notes are not called and Robinhood’s final level is below the $59.84 trigger level at maturity, investors’ principal is reduced in line with the stock’s percentage loss and can fall to zero. The notes are unsecured obligations, have no stock delivery feature, and their estimated initial value is $961.97 per $1,000, below the public offering price.
Bank of Montreal is issuing US$600,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes with memory coupons due January 22, 2029, linked to Affirm Holdings, Inc. Class A common stock. The notes offer a contingent coupon at a rate of 4.875% per quarter (about 19.50% per year), paying US$48.75 per US$1,000 of principal when Affirm’s closing share price on an observation date is at or above the coupon barrier of $37.99, which is 50% of the initial level of $75.97. Missed coupons can be paid later if the barrier is met on a future date, under the memory feature. If, starting July 17, 2026, Affirm’s share price on an observation date is above the initial level, the notes are automatically redeemed at par plus any due coupons. If the notes are not called and Affirm’s final level is at or above the $37.99 trigger, investors receive their full principal; if it is below that trigger, repayment is reduced in line with the share decline and can fall to zero, though any due contingent coupons are still paid.
Bank of Montreal is issuing US$1,300,000 of senior medium-term Callable Barrier Notes due January 22, 2029, linked to the least performing of the S&P 500 Index, NASDAQ-100 Index and Russell 2000 Index. The notes offer a contingent coupon of 4.125% per semiannual period (approximately 8.25% per annum), paying US$41.25 per US$1,000 when on an observation date each index closes at or above its coupon barrier level, set at 60% of its initial level.
The notes are callable at the issuer’s discretion beginning July 17, 2026, with investors receiving principal plus any due coupon if called. If not called and any index finishes below its 60% trigger level on the valuation date, repayment at maturity is reduced in line with the decline of the worst-performing index and can fall to zero, meaning full principal is at risk. The estimated initial value is US$984.04 per US$1,000, and the notes are unsecured obligations not insured by any deposit insurance agency.
Bank of Montreal is issuing $2,906,000 of senior medium-term notes with a 4.70% fixed interest rate, due January 20, 2033. Each Note has a $1,000 principal amount and pays interest in cash semi-annually on January 20 and July 20, starting July 20, 2026.
The Notes are redeemable by Bank of Montreal, in whole but not in part, at 100% of principal plus accrued interest on optional redemption dates every January 20 and July 20 from July 20, 2027 through July 20, 2032. The offering yields proceeds of $2,885,658 to Bank of Montreal after $20,342 of underwriting discounts.
The Notes are unsecured obligations exposed to the credit risk of Bank of Montreal, are bail-inable under the Canada Deposit Insurance Corporation Act, and may be converted into common shares or varied or extinguished in a resolution scenario. They will not be listed on any securities exchange, and no active trading market is expected, so liquidity may be limited.