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Bank of Montreal is issuing $5,000,000 of Senior Medium-Term Notes, Series K, redeemable fixed rate notes due January 12, 2038. Each Note has a $1,000 principal amount and pays a fixed interest rate of 5.05% per annum, with interest paid semi-annually on January 12 and July 12, starting July 12, 2026.
The bank may redeem the Notes early, in whole but not in part, at 100% of principal plus accrued interest on optional redemption dates every January 12 and July 12 from January 12, 2028 through July 12, 2037. At maturity, if not redeemed, holders receive $1,000 per Note plus accrued interest.
The Notes are unsecured obligations of Bank of Montreal, are bail-inable under the Canada Deposit Insurance Corporation Act, will not be listed on any securities exchange, and may have limited or no secondary market. The original issue price is $1,000 per Note, with an underwriting discount of $13 per Note, resulting in total proceeds to the bank of $4,937,000.
Bank of Montreal is issuing $2,000,000 of Senior Medium-Term Notes, Series K, redeemable fixed rate notes maturing on January 12, 2029. Each note has a $1,000 principal amount and pays fixed interest at 4.00% per annum, with semi-annual interest payments each January 12 and July 12, starting July 12, 2026.
The bank may redeem the notes in whole, but not in part, at 100% of principal plus accrued interest on optional redemption dates every January 12 and July 12 from January 12, 2027 through July 12, 2028. The notes are unsecured, not insured by any deposit insurance agency, will not be listed on an exchange, and are bail-inable under the Canada Deposit Insurance Corporation Act, meaning they may be converted into common shares or varied or extinguished in a resolution scenario.
Bank of Montreal is offering senior unsecured market-linked notes tied to the lowest performer of CrowdStrike, Intel and Marvell common stock. Each security has a $1,000 face amount and original offering price, with an estimated initial value of $959.30 per security, which will not be less than $910.00 at pricing. The notes pay a monthly contingent coupon at a rate of at least 20.10% per annum only if, on the relevant calculation day, the lowest performing stock closes at or above 50% of its starting value; missed coupons can be “remembered” and paid later if this condition is again met.
From July 2026 through December 2028, the notes are auto-callable if the lowest performer is at or above its starting value, returning face amount plus due coupons. If the notes are not called and, on the final calculation day, the lowest performer is below 50% of its starting value, repayment is reduced in proportion to that decline and investors can lose more than 50%, up to all, of principal. The notes do not participate in any stock appreciation. All payments depend on Bank of Montreal’s credit and are not insured by U.S. or Canadian deposit insurance. The U.S. tax treatment is complex, and coupons to non-U.S. holders are generally subject to 30% withholding.
Bank of Montreal is offering senior medium-term fixed rate notes due January 29, 2029. Each Note has a $1,000 principal amount and pays interest at a fixed rate of 4.10% per annum, with interest paid semi-annually on January 29 and July 29, starting July 29, 2026. Unless the Notes are redeemed early, investors are scheduled to receive $1,000 per Note plus any accrued and unpaid interest at maturity.
The Notes are callable at the bank’s option, in whole but not in part, at 100% of principal plus accrued interest on January 29 and July 29 from January 29, 2027 through July 29, 2028. An underwriting discount of $10 per Note results in initial proceeds to Bank of Montreal of $990 per $1,000 Note. The Notes are unsecured, will not be listed on any securities exchange, and are subject to Canadian bail-in powers, meaning they can be converted into common shares or varied or extinguished under the CDIC Act, so investors bear both credit and bail-in risk.
Bank of Montreal is offering US$1,100,000,000 aggregate principal amount of 4.439% Fixed/Floating Rate Senior Medium-Term Notes, Series J, due January 14, 2032. The notes pay a fixed 4.439% coupon semi-annually from January 14, 2026 to January 14, 2031, then a quarterly floating rate equal to Compounded SOFR plus 0.970% until maturity, with interest never falling below zero.
The notes are senior unsecured obligations, issued in minimum denominations of US$2,000, and are not insured by CDIC, the FDIC or any other deposit insurer. They are bail-inable under the Canada Deposit Insurance Corporation Act, meaning they can be converted into common shares or varied or extinguished in a resolution scenario.
Bank of Montreal may redeem the notes early at a make-whole price before January 14, 2031, at par on January 14, 2031, and at par from December 15, 2031 to maturity, and may also redeem for certain Canadian tax reasons. The notes are priced at 100% of principal, with 0.350% underwriting commissions and estimated net proceeds of about US$1,095,950,000 for general corporate purposes.
Bank of Montreal is offering complex, equity-linked, auto-callable notes tied to the worst performer of American Express, Alphabet (Class A) and Lockheed Martin shares, maturing January 19, 2029. Each security has a $1,000 face amount and pays monthly contingent coupons only if the lowest-performing stock on each calculation day closes at or above its coupon threshold, set at 60% of its starting value. The contingent coupon rate will be at least 13.00% per year.
The notes may be automatically called on any monthly date from July 2026 through December 2028 if the lowest-performing stock is at or above its starting value, in which case investors receive $1,000 plus the applicable coupon and the notes terminate.
If the notes are not called, at maturity investors receive $1,000 per security only if the lowest-performing stock on the final date is at or above its 60% downside threshold. If it is below that level, principal is reduced in line with that stock’s decline, and investors can lose more than 40% and up to all of their investment. The notes are unsecured obligations of Bank of Montreal, with an estimated initial value of $963.30 per security, not less than $920.00 at pricing, and involve significant market, credit, liquidity and tax risks.
Bank of Montreal is offering US$865,000 of senior medium-term Autocallable Buffer Notes due January 10, 2028, linked to the least performing of VanEck Gold Miners ETF (GDX), Bank of America (BAC) and Broadcom (AVGO). The notes pay a contingent coupon of 1.375% per month (about 16.50% per year) when each reference asset stays at or above its coupon barrier. A 25% downside buffer applies; if at maturity the worst performer has fallen more than 25% from its initial level, principal is reduced in line with that decline, up to a maximum loss of 75%.
The notes are automatically redeemed starting July 7, 2026 if all reference assets are at or above their initial levels, returning principal plus the applicable coupon. The price to the public is 100% of principal, with an estimated initial value of $954.21 per $1,000, reflecting structuring and hedging costs. The notes are unsecured obligations of Bank of Montreal and are not insured or guaranteed by any government agency.
Bank of Montreal is offering US$14,672,000 of senior medium-term Autocallable Barrier Notes with Contingent Coupons due February 09, 2027, linked to Netflix, Inc. common stock. These notes can pay a contingent coupon of 1.00% per month (about 12.00% per year) if Netflix’s closing price on an Observation Date is at or above the coupon barrier.
The initial level is $90.65, with both the coupon barrier and trigger level set at $61.64, equal to 68.00% of the initial level. Beginning July 06, 2026, the notes will be automatically redeemed if Netflix closes above the initial level, returning principal plus the applicable coupon. If held to maturity without a trigger event, investors receive full principal; if a trigger event occurs and Netflix finishes below the trigger, repayment is reduced in line with the stock’s decline and can be zero.
The price to the public is 100% of principal, with a 2.15% agent’s commission and 97.85% of proceeds to Bank of Montreal. The estimated initial value is $976.60 per $1,000, and the notes are unsecured obligations of Bank of Montreal, subject to detailed structural, market and tax risks.
Bank of Montreal is offering $1,000,000 of senior autocallable barrier enhanced return notes due January 9, 2029, linked to the least performing of the NASDAQ-100, Russell 2000 and S&P 500 indices. The notes can be automatically redeemed on January 12, 2027 if each index closes at or above its initial level, paying back principal plus a $208 call amount per $1,000 note (about 20.80% per annum). If held to maturity and the least performing index is at or above its initial level, investors receive principal plus 125% of the index gain; if it is between 70% and 100% of its initial level, only principal is returned. If it finishes below 70% of its initial level, repayment is reduced one-for-one with the index loss, up to a total loss of principal. The notes pay no interest, are unsecured obligations subject to Bank of Montreal’s credit risk, are not listed, and have an estimated initial value of $978.29 per $1,000.
Bank of Montreal is offering senior unsecured medium-term notes that pay a floating rate of interest linked to Compounded SOFR plus a 0.62% spread, with a minimum interest rate of 0.75% per annum. Each Note has a $1,000 principal amount, is issued on January 13, 2026, and matures on January 13, 2028, with interest paid quarterly on the 13th of January, April, July and October.
At maturity, investors receive $1,000 per Note plus accrued interest, but the Notes are not redeemable early, are not listed on any exchange, and are subject to the credit risk of Bank of Montreal. The Notes are also bail-inable under the Canada Deposit Insurance Corporation Act, meaning they can be converted into common shares or written down in a resolution scenario. The original issue price is $1,000 per Note, including a $2.50 underwriting discount and $997.50 in proceeds to Bank of Montreal.