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Bank of Montreal is offering unsecured, S&P 500®-linked notes with a $1,000 principal amount that pay no interest and are designed to be held to maturity.
At maturity, investors receive enhanced upside of 160% of the index gain, but this is capped by a maximum settlement amount expected to be between $1,223.52 and $1,262.88 per note. A 15.00% downside buffer protects principal if the S&P 500® falls by up to that amount, but if the index finishes more than 15.00% below its initial level, principal losses accelerate at about 1.1765% for every additional 1% decline.
The notes are not listed on any exchange, their estimated initial value is expected to be between $969.00 and $999.00 per $1,000, and they are subject to the full credit risk of Bank of Montreal. Complex and uncertain U.S. tax treatment and the potential lack of a liquid secondary market are highlighted as key risks.
Bank of Montreal is issuing US$575,000 of senior medium-term Autocallable Barrier Notes due July 18, 2028, linked to the common stock of Cheniere Energy, Inc. Each US$1,000 note offers a contingent quarterly coupon of 2.5325% (about 10.13% per year) when the stock closes at or above the coupon barrier of $145.27, which is 75.00% of the $193.69 initial level.
Beginning July 13, 2026, if the stock closes above the 100.00% call level on an observation date, the notes are automatically redeemed at par plus the applicable coupon. If they are not called and the final level is below the $145.27 trigger level, repayment shifts to a physical or cash delivery amount based on shares of Cheniere Energy, and investors can receive substantially less than principal, down to zero. The estimated initial value is $964.88 per $1,000, and the notes are unsecured obligations with complex tax and risk characteristics.
Bank of Montreal is offering US$561,000 of senior medium-term Callable Barrier Notes due January 19, 2028, linked to the common stock of Macy’s, Inc. The notes pay a contingent coupon of 3.1575% per quarter (about 12.63% per year), or $31.575 per $1,000, only if Macy’s stock closes on each observation date at or above the coupon barrier of $11.00, which is 50% of the $22.00 initial level.
Beginning July 13, 2026, the issuer may call the notes on any observation date, returning principal plus any due coupon. If the notes are not called and Macy’s final level is at or above the $11.00 trigger, investors receive $1,000 per note at maturity. If the final level is below the trigger, investors receive shares (or cash) worth less than principal, potentially as low as zero. The estimated initial value is $943.72 per $1,000 of principal, reflecting fees and hedging costs.
Bank of Montreal is offering US$300,000 of senior autocallable barrier notes linked to Robinhood Markets, Inc. Class A common stock. These notes pay contingent monthly coupons at 1.425% (about 17.10% per year), but only if the HOOD share price on each observation date is at or above the coupon barrier level of $60.12, which is 50% of the initial level of $120.24. Missed coupons can be paid later under a memory feature if the barrier is met on a future date.
The notes can be automatically redeemed starting July 13, 2026 if HOOD closes above its initial level, returning principal plus any due coupons. If the notes are not called and HOOD finishes below the trigger level of $60.12 at maturity on July 16, 2027, investors will lose principal in line with the share price decline and could receive nothing. The estimated initial value is $960.50 per $1,000 note, and the notes are unsecured obligations of Bank of Montreal with no FDIC or similar insurance.
Bank of Montreal is issuing US$5,289,000 of Capped Buffer Enhanced Return Notes linked to the NASDAQ-100 Index®, maturing on July 16, 2027. The notes offer 200% leveraged upside on index gains, but the payment is capped at a Maximum Redemption Amount of $1,214.00 per $1,000 in principal (a 21.40% maximum return). A 10.00% downside buffer applies; if the index falls more than 10.00%, investors lose approximately 1.1111% of principal for each additional 1% decline and can lose up to all of their investment.
The notes pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on any exchange. The Initial Level of the NASDAQ-100 was 25,741.95 on the January 13, 2026 pricing date, and the Final Level is based on an average of daily closing levels from July 7 to July 13, 2027. The estimated initial value is $993.82 per $1,000, reflecting structuring and hedging costs, and the price to the public is 100% with a 0.15% agent’s commission.
Bank of Montreal is offering unsecured notes linked to the EURO STOXX 50 Index that pay no interest and are designed to be held to March 17, 2028. Each note has a $1,000 principal amount. At maturity, if the index’s final level is at or above 82.50% of its initial level of 6,029.83, investors receive a fixed $1,168.70 per note, providing a capped positive return regardless of how much the index has risen.
If the final index level is below the 82.50% threshold, the payoff is reduced and investors lose about 1.2121% of principal for every 1% the index falls below the threshold, with the possibility of losing the entire principal. The estimated initial value is $989.82 per $1,000, below the issue price, reflecting structuring and hedging costs. The total offering size is $3,992,000 and the notes will not be listed on any exchange, so liquidity before maturity may be limited.
Bank of Montreal filed a Form 6-K as a foreign private issuer to update U.S. investors with materials related to an upcoming securityholder meeting. The filing states that the information in this report, including its exhibit, is incorporated by reference into multiple existing Bank of Montreal registration statements on Forms F-3 and S-8 that are already effective with the SEC.
The exhibit listed, labeled as 99.1, is a Notice of Meeting and Record Date prepared in the form required by Canadian National Instrument 54-101, which governs communications with beneficial owners of securities of a Canadian reporting issuer. The report is signed on behalf of Bank of Montreal by the Chief Financial Officer and the Corporate Secretary, confirming it as an official corporate communication.
Bank of Montreal is offering structured notes linked to the MSCI EAFE Index that pay no interest and return a cash amount at maturity based on index performance from January 13, 2026 to February 9, 2028. For each $1,000 note, investors receive 160% of any index gain, capped at a maximum settlement amount of $1,256.00, which is reached if the index rises to at least 116.00% of its initial level of 2,972.93.
The notes provide a 15.00% downside buffer: if the final index level is at or above 85.00% of the initial level, investors receive $1,000, but below that they lose about 1.1765% of principal for every 1% further decline and could lose all principal. The estimated initial value is $988.75 per $1,000 note, total issuance is $3,939,000, the notes are unsecured obligations of Bank of Montreal, and they will not be listed on any exchange.
Bank of Montreal is offering senior market-linked notes tied to the worst performer of the Nasdaq-100 Index, S&P 500 Index and EURO STOXX 50 Index, maturing on February 2, 2029. Each security has a $1,000 face amount, with an estimated initial value of $960.80 per security on the preliminary date, and not less than $910.00 at pricing.
The notes provide 150% upside participation in the lowest performing index, but gains are capped by a maximum return of at least 43%, for a minimum maximum maturity payment of $1,430.00 per security. They feature a 24% buffer; if the worst index falls more than 24%, investors lose 1% of principal for each additional 1% decline, up to a maximum loss of 76% of face value. The securities pay no interest, are unsecured obligations of Bank of Montreal subject to its credit risk, will not be listed on an exchange, and involve complex U.S. and Canadian tax considerations.
Bank of Montreal is issuing US$12,960,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes with contingent coupons due February 16, 2027, linked to Broadcom Inc. common stock. The notes have an Initial Level of $352.21 and pay a 0.90% monthly contingent coupon (approximately 10.80% per year), or $9.00 per $1,000, only if the stock closes on each observation date at or above the $186.67 coupon barrier, which is 53.00% of the Initial Level.
Beginning July 13, 2026, the notes are automatically redeemed if Broadcom’s share price is at or above the Initial Level, returning principal plus the relevant coupon. If not called and Broadcom closes below the $186.67 trigger on the valuation date, investors receive shares (or cash) worth less than the $1,000 principal, potentially down to zero. The notes are unsecured obligations of Bank of Montreal, and their estimated initial value is $967.79 per $1,000.