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Bank of Montreal is offering $2,197,000 of Senior Medium-Term Notes, Series K, redeemable fixed rate notes due December 30, 2030. The notes pay a fixed interest rate of 4.30% per annum, with interest paid semi-annually on January 9 and July 9, starting July 9, 2026, in minimum denominations of $1,000. Bank of Montreal may redeem the notes in whole, but not in part, at 100% of principal plus accrued interest on semi-annual optional redemption dates from January 9, 2027 through July 9, 2030. The notes are unsecured, subject to Bank of Montreal’s credit risk, are bail-inable under the Canada Deposit Insurance Corporation Act, and will not be listed on any securities exchange, so liquidity may be limited. The original issue price is $1,000 per note, with an underwriting discount of $10 per note, resulting in total proceeds to Bank of Montreal of $2,175,030. Counsel expects the notes to be treated as debt for U.S. federal tax purposes and issued without original issue discount.
Bank of Montreal is offering $1,055,000 of Senior Medium-Term Notes, Series K, redeemable fixed-rate notes due December 30, 2032. The notes pay 4.55% per year in cash interest, with semi-annual payments each January 9 and July 9 starting July 9, 2026, and $1,000 per note at maturity if not redeemed earlier. Bank of Montreal may redeem the notes at 100% of principal plus accrued interest on optional redemption dates every six months from July 9, 2027 through July 9, 2032, which could limit the income period for investors. The notes are unsecured, not listed on any exchange, and are bail-inable under the Canada Deposit Insurance Corporation Act, meaning they can be converted into common shares or written down in a resolution scenario.
Bank of Montreal is offering senior unsecured medium‑term notes that pay a fixed interest rate of 4.80% per year and are scheduled to mature on January 26, 2033, unless redeemed earlier. Each note has a principal amount of $1,000, with interest paid semi‑annually on January 26 and July 26, starting July 26, 2026.
The notes are callable at the issuer’s option at 100% of principal plus accrued interest on semi‑annual dates from January 26, 2027 through July 26, 2032. They are not listed on any securities exchange and there is no assurance of a secondary market. The notes are bail‑inable under the Canada Deposit Insurance Corporation Act, meaning they can be converted into common shares of Bank of Montreal or its affiliates, or varied or extinguished, in a Canadian bank resolution. Investors bear the credit risk of Bank of Montreal and could lose some or all of their investment in a default or bail‑in.
Bank of Montreal is offering US$380,000 of Senior Medium-Term Notes, Series K, called Autocallable Buffer Enhanced Return Notes linked to the S&P 500® Futures Excess Return Index. The notes run from January 08, 2026 to January 08, 2030 and pay no interest.
On January 11, 2027, if the index level is above 100% of its initial level, the notes are automatically redeemed and investors receive principal plus a $120 call amount per $1,000, equal to about 12.00% per year, with no further upside. If held to maturity and the index is at or above its initial level, investors get back principal plus 150.00% of any gain; if it is down but not more than 20.00%, principal is returned with no gain.
If the index falls by more than 20.00%, investors lose 1% of principal for each additional 1% decline, up to an 80.00% loss. The notes are unsecured obligations of Bank of Montreal, not listed on an exchange, carry liquidity and valuation risks, and have an estimated initial value of $976.34 per $1,000 versus a 100% public offering price.
Bank of Montreal is issuing US$5,802,000 of Senior Medium-Term Notes, Series K, as autocallable barrier notes due February 08, 2027, linked to the ordinary shares of Norwegian Cruise Line Holdings Ltd. (NCLH). The notes pay monthly Coupons at an interest rate of 0.9417% per month (approximately 11.30% per annum), or $9.417 per $1,000 in principal, unless the notes are automatically redeemed.
Beginning July 02, 2026, if on any Call Observation Date NCLH’s closing level is at or above the Call Level of $22.58 (100% of the Initial Level), the notes are automatically redeemed at principal plus the applicable Coupon. If not redeemed and NCLH’s Final Level on the Valuation Date is at or above the Trigger Level of $12.42 (55% of the Initial Level), investors receive full principal at maturity plus the final Coupon. If a Trigger Event occurs, investors receive either shares or cash based on the depressed Final Level, which can result in substantial loss. The estimated initial value is $973.19 per $1,000.
Bank of Montreal is issuing US$606,000 of senior Market Linked Notes due January 10, 2028, linked to the least performing of the S&P 500 Index and the Dow Jones Industrial Average. The notes return principal at maturity if the least performing index is flat or down, and provide 1-to-1 upside exposure when that index rises, but gains are capped at a Maximum Redemption Amount of $1,132 per $1,000 (a 13.20% maximum return). The notes pay no interest, are unsecured obligations subject to Bank of Montreal’s credit risk, and will not be listed on any exchange, so liquidity may be limited. The estimated initial value is $985.72 per $1,000, reflecting offering, structuring and hedging costs. For U.S. tax purposes, the notes are expected to be treated as contingent payment debt instruments, with taxable ordinary income each year before maturity.
Bank of Montreal is offering US$3.226 million of Senior Medium-Term Notes, Series K, called Digital Return Barrier Notes, maturing February 8, 2027 and linked to the worst performer of the S&P 500, NASDAQ-100 and Russell 2000. The notes pay no interest and are unsecured obligations subject to Bank of Montreal’s credit risk.
At maturity, for each $1,000 note, investors receive $1,078 (a 7.80% digital return) if the final level of the least performing index is at least 60% of its initial level. If that index falls below 60% of its initial level, repayment is reduced 1% for each 1% decline, and principal loss can reach 100%.
The notes are issued at 100% of principal, with a 0.375% agent’s commission, and had an estimated initial value of $990.34 per $1,000 on the pricing date. They will not be listed on any exchange, and secondary liquidity, if any, will be provided at BMOCM’s discretion.
Bank of Montreal is offering unsecured, index-linked notes tied to the EURO STOXX 50® Index that pay no interest and are designed to be held to maturity, expected about 26–29 months after trade date. 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, holders receive a fixed threshold settlement amount, expected between $1,141.10 and $1,165.90 per note, giving a capped positive return even if the index rises significantly more. If the final level is below 82.50%, repayment is reduced: holders lose about 1.2121% of principal for every 1% the index ends below the threshold, down to a complete loss if the index goes to zero.
The notes will not be listed on any exchange and may have limited or no secondary market. The initial estimated value is expected between $969.00 and $999.00 per $1,000, reflecting structuring and hedging costs. All payments depend on the credit of Bank of Montreal, and the U.S. tax treatment is described as uncertain with potential adverse outcomes under alternative IRS views.
Bank of Montreal is issuing US$1,260,000 of Senior Medium-Term Notes, Series K, as autocallable barrier notes with memory coupons due April 8, 2027. These notes are linked to the least performing of the S&P 500 Index, NASDAQ-100 Index and Russell 2000 Index. Investors may receive a monthly contingent coupon of 0.9292% (approximately 11.15% per year), or $9.292 per $1,000, on any observation date when each index closes at or above its coupon barrier level, set at 70% of its initial level.
If coupons are missed, the memory feature allows unpaid coupons to be paid later when all indices are again at or above their coupon barriers. Beginning July 2, 2026, the notes are automatically redeemed if, on an observation date, each index is at or above 100% of its initial level, returning principal plus any due coupons. If not called, principal is protected unless any index closes below its 65% trigger level at any time and finishes below its initial level on the valuation date, in which case repayment is reduced in line with the worst index and may be zero. The estimated initial value is $991.69 per $1,000.
Bank of Montreal is offering senior unsecured Medium-Term Notes, Series J, that pay a fixed interest rate until a future date and then a floating rate based on Compounded SOFR plus a margin, with interest paid semi-annually during the fixed period and quarterly during the floating period. The Notes are bail-inable under the Canada Deposit Insurance Corporation Act, meaning they can be converted into Bank of Montreal common shares or varied or extinguished if Canadian resolution powers are exercised. The Notes may be redeemed early by the bank at specified times and prices, including make-whole and par call features and a tax redemption option, but they are not insured by CDIC or the FDIC and will not be listed on any securities exchange. Net proceeds are expected to be used for general corporate purposes, and the Notes are generally targeted at institutional and qualified investors in the U.S., EEA, UK and certain other jurisdictions, with explicit restrictions on retail investors in the EEA and UK.