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Bank of Montreal is issuing unsecured, equity-linked senior medium-term notes tied to the worst performer among Advanced Micro Devices, Datadog and Tesla, maturing on January 11, 2029. Each security has a $1,000 face amount and an estimated initial value of $947.41, with total proceeds of about $2.03 million before hedging effects.
The notes pay a contingent coupon at 20.30% per annum, payable monthly only if the lowest-performing stock on each calculation day stays at or above 50% of its starting value; missed coupons can be "remembered" and paid later if the trigger is met. From July 2026 to December 2028 the notes are auto-callable at par plus due coupons if the worst stock is at or above its starting value.
If the notes are not called and, on the final calculation day, the worst stock has fallen below 50% of its starting value, investors’ principal is reduced one-for-one with that decline, with losses that can reach 100% of face value. Investors do not participate in any upside of the stocks and bear the full credit risk of Bank of Montreal.
Bank of Montreal is issuing $9,000,000 of Senior Medium-Term Notes, Series K, redeemable fixed-rate notes due January 13, 2031. Each Note has a $1,000 principal amount and pays a fixed interest rate of 4.45% per annum, with interest paid semi-annually on January 13 and July 13, starting July 13, 2026.
Unless redeemed earlier, investors receive $1,000 per Note in cash at maturity plus accrued interest. The bank may redeem all of the Notes, but not in part, at 100% of principal plus accrued interest on semi-annual optional redemption dates from January 13, 2028 through July 13, 2030.
The Notes are unsecured, bail-inable obligations of Bank of Montreal, subject to Canadian bail-in powers that can convert the Notes into common shares or extinguish them under the CDIC Act. They are not insured by U.S. or Canadian deposit insurance, will not be listed on any exchange, and may have limited or no secondary market, exposing holders to credit, interest rate, liquidity and potential conflict-of-interest risks.
Bank of Montreal is offering US$2.3 million of structured notes linked to a basket of three U.S. bank stocks. The notes are tied equally to JPMorgan Chase, Citigroup and Morgan Stanley, and provide 300% leveraged upside on any basket gain, capped at a Maximum Redemption Amount of $1,162 per $1,000 in principal (a 16.20% maximum return).
There is a 10% downside buffer: if the basket falls 10% or less, investors receive only their $1,000 principal back. If it falls by more than 10%, principal is reduced 1% for each additional 1% decline, up to a 90% loss. The notes pay no interest, are unsecured obligations of Bank of Montreal, will not be listed on an exchange, and had an estimated initial value of $967.30 per $1,000 on the pricing date, below the $1,000 issue price.
Bank of Montreal is offering $500,000 of Senior Medium-Term Notes, Series K, maturing on January 13, 2028, that are capped buffer notes linked to the iShares MSCI Emerging Markets ETF (EEM). These notes provide 1-to-1 upside exposure to EEM from the Initial Level of $56.87, but the total payoff is capped at a Maximum Redemption Amount of $1,318 per $1,000 principal, equal to a 31.80% maximum return.
If EEM’s Final Level is at or above the Initial Level, investors receive principal plus the leveraged gain, up to the cap. If EEM falls but stays at or above the Buffer Level of $48.34 (15% below the Initial Level), investors receive only their $1,000 principal back. If EEM closes below the Buffer Level, repayment is reduced dollar-for-dollar beyond the 15% buffer, and investors can lose up to 85% of principal.
The notes pay no interest, are not listed on an exchange, and are unsecured obligations of Bank of Montreal, fully subject to its credit risk. The bank’s estimated initial value is $979.30 per $1,000, below the 100% price to the public, reflecting embedded costs, hedging and dealer compensation.
Bank of Montreal plans to issue senior medium-term fixed-rate notes due January 29, 2031. Each Note has a $1,000 principal amount, pays interest at a fixed 4.45% per annum, and makes semi-annual interest payments on January 29 and July 29, starting July 29, 2026.
The Notes are redeemable at the issuer’s option, in whole but not in part, at 100% of principal plus accrued interest on January 29 and July 29 of each year from January 29, 2028 through July 29, 2030. They are unsecured obligations subject to Bank of Montreal’s credit risk and are classified as bail-inable notes, meaning they can be converted into common shares or varied or extinguished under Canadian bank resolution powers.
The Notes will not be listed on any securities exchange. For each $1,000 Note, the original issue price is $1,000, the underwriting discount is $15, and the proceeds to Bank of Montreal are $985. Investors are exposed to interest rate risk, limited liquidity, potential early redemption, and conflicts of interest related to underwriting and hedging.
Bank of Montreal plans to issue senior medium-term Redeemable Fixed Rate Notes, Series K, due January 27, 2038. Each Note has a $1,000 principal amount and pays fixed interest at 5.05% per annum, with semi-annual payments each January 27 and July 27 starting July 27, 2026.
The Notes can be redeemed by Bank of Montreal, in whole but not in part, at 100% of principal plus accrued interest on semi-annual Optional Redemption Dates from January 27, 2028 through July 27, 2037. They are unsecured, subject to the bank’s credit risk, not insured by any deposit insurance scheme, and will not be listed on any securities exchange.
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 in a resolution scenario. The original issue price is $1,000 per Note, including a $20 underwriting discount, resulting in $980 in proceeds to Bank of Montreal per Note.
Bank of Montreal is offering $600,000,000 of senior medium-term notes linked to Compounded SOFR, maturing on January 13, 2028. Each Note has a $1,000 principal amount and pays a quarterly floating interest rate equal to Compounded SOFR for the prior observation period plus a 0.62% spread, with a minimum interest rate of 0.75% per year. Investors receive $1,000 per Note at maturity plus any accrued interest if Bank of Montreal meets its obligations.
The Notes are unsecured obligations of Bank of Montreal and are subject to its credit risk and Canadian bank “bail-in” powers, meaning they can be converted into common shares or varied or extinguished under the CDIC Act. The Notes will not be listed on any securities exchange, and a secondary trading market is not assured. Underwriting discounts total $900,000, providing net proceeds to Bank of Montreal of $599,100,000 before other expenses.
Bank of Montreal is offering US$1,342,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes with contingent coupons due July 12, 2027, linked to Uber Technologies, Inc. common stock. The notes pay a contingent monthly coupon at 1.0433% (about 12.52% per year), or $10.433 per $1,000, only if Uber’s closing level on each observation date is at or above the coupon barrier of $53.44, which is 62% of the initial level of $86.19.
Beginning October 8, 2026, if Uber’s closing level on an observation date is at or above 100% of its initial level, the notes are automatically redeemed at par plus that month’s coupon, and no further payments are made. If the notes are not called, investors receive $1,000 per $1,000 at maturity unless Uber’s final level is below the trigger level of $53.44. If that trigger is breached, principal is exposed one-for-one to Uber’s decline, and repayment can be substantially less than $1,000, or even zero.
The notes are unsecured obligations of Bank of Montreal, offer only cash settlement (no share delivery), and have an estimated initial value of $988.11 per $1,000 on the pricing date, reflecting structuring and hedging costs. They carry complex structural, market, credit and tax risks described in the accompanying prospectus documents.
Bank of Montreal is issuing US$3,007,000 of Senior Medium-Term Notes, Series K, as autocallable barrier notes with contingent coupons due July 12, 2027, linked to Oracle Corporation common stock. The notes have an initial level of $192.84 for ORCL and pay a contingent coupon of 1.045% per month (about 12.54% per year) when Oracle’s closing level on an observation date is at or above the coupon barrier of $94.49, which is 49% of the initial level.
Beginning October 8, 2026, the notes are subject to automatic redemption if Oracle closes above 100% of its initial level, in which case investors receive principal plus the applicable coupon. If the notes are not called and Oracle finishes below the trigger level of $94.49 at maturity, repayment of principal is reduced in line with the stock’s percentage loss and can fall to zero, although any final coupon that is due would still be paid. The estimated initial value is $974.46 per $1,000 principal amount, reflecting structuring and hedging costs.
Bank of Montreal is offering an additional $21,000,135,000 in principal amount of its MicroSectors Gold Miners -3X Inverse Leveraged ETNs due June 29, 2040, increasing the outstanding total for this tranche to $50,000,000,000. These exchange-traded notes provide three-times daily inverse exposure to the S-Network MicroSectors Gold Miners Index, which tracks the VanEck Gold Miners ETF (GDX) and VanEck Junior Gold Miners ETF (GDXJ).
The notes reset leverage daily, are intended as short-term trading tools, and can lose all value if the indicative note value hits zero. Returns are reduced by a 0.95% annual Daily Investor Fee, potential negative Daily Interest tied to the Federal Funds Effective Rate minus an adjustable spread of up to 4.00%, and a 0.125% fee on holder redemptions. Bank of Montreal may call the notes at its option, and the notes are unsecured senior obligations subject to the issuer’s credit risk.