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Bank of Montreal is issuing senior market-linked notes that are auto-callable and linked to the lowest performer of the Nasdaq-100 Index® and the S&P 500® Index. Each security has a $1,000 face amount and an estimated initial value of $968.23. The notes may be automatically called on January 5, 2027 if the lowest performing index is at or above its starting value, paying back principal plus a 10.65% call premium.
If not called, the notes mature on January 4, 2028. At maturity, holders get $1,000 plus leveraged upside at a 150% participation rate if the lowest index ends above its starting value. If the lowest index ends between 92% and 100% of its starting value, principal is returned due to an 8% buffer. Below 92%, principal is reduced 1-for-1 beyond the buffer, with losses up to 92% of face amount.
The securities pay no interest, are unsecured obligations of Bank of Montreal and are subject to its credit risk. They are not insured by any government agency and will not be listed on an exchange, and the pricing supplement highlights complex U.S. tax treatment and significant market and liquidity risks.
Bank of Montreal is offering US$2,714,000 of senior Medium-Term Notes, Series K, structured as barrier notes with contingent coupons due January 5, 2029. The notes are linked to the least performing of the Russell 2000 Index and the S&P 500 Index, with initial levels of 2,500.586 for RTY and 6,896.24 for SPX and coupon barrier and trigger levels set at 75% of each initial level. Investors receive a 4.25% semiannual contingent coupon (about 8.50% per year) only if, on each observation date, both indexes are at or above their coupon barrier levels. At maturity, investors get back the full principal per note if no trigger event occurs, but if either index finishes below its trigger level, the repayment is reduced in line with the percentage decline of the worst-performing index and can fall to zero. The estimated initial value is $985.01 per $1,000 principal amount, reflecting internal funding and derivative pricing inputs.
Bank of Montreal is issuing US$1,069,000 of Senior Medium-Term Notes, Series K, barrier notes with contingent coupons due January 5, 2029, linked to the least performing of the Russell 2000® Index and the S&P 500® Index. The notes pay a contingent coupon of 3.70% semiannually (about 7.40% per year), or $37 per $1,000, only if on each observation date both indices close at or above 75% of their initial levels (1,875.440 for RTY and 5,172.18 for SPX).
At maturity, holders receive $1,000 per $1,000 in principal unless a trigger event occurs. A trigger event happens if either index finishes below its 75% trigger level on the valuation date; in that case, the payoff is $1,000 plus $1,000 times the percentage change of the worst-performing index, which can reduce principal and may drop to zero, though the final contingent coupon may still be paid if the barrier is met. The notes are unsecured obligations of Bank of Montreal, not insured by any deposit insurer. The estimated initial value is $959.20 per $1,000, reflecting underwriting and hedging costs.
Bank of Montreal is issuing US$3,109,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes with contingent coupons due January 2, 2029, linked to UnitedHealth Group common stock.
The notes pay a contingent coupon of 4.25% per quarter (about 17.00% per year), or $42.50 per $1,000, only if UNH closes on each observation date at or above the coupon barrier of $265.73, which is 80.00% of the $332.16 initial level. Starting March 27, 2026, if UNH closes above the initial level on an observation date, the notes are automatically redeemed at par plus that coupon.
If the notes are not called and UNH finishes below the $265.73 trigger level on the December 27, 2028 valuation date, principal is reduced one-for-one with the stock’s loss and can fall to zero. The price to public is 100% of principal, with a 2.00% agent commission and 98.00% of proceeds to Bank of Montreal, and the estimated initial value is $969.65 per $1,000.
Bank of Montreal is offering US$4.96 million of Senior Medium-Term Notes, Series K, autocallable barrier notes due January 5, 2029, linked to the least performing of Apple (AAPL), Alphabet Class C (GOOG) and Amazon (AMZN). The notes pay a contingent coupon of 3.3125% per quarter (about 13.25% per year), only if on each observation date all three stocks are at or above their coupon barrier levels, set at 60% of their initial levels.
The notes can be automatically redeemed starting June 30, 2026 if each reference asset is at or above its initial level, returning principal plus any due contingent coupons. If the notes are not called and any stock finishes below its 60% trigger level on the valuation date, repayment of principal is reduced in line with the decline of the worst-performing stock and can fall to zero. The estimated initial value is $967.65 per $1,000, and investors have no right to receive shares of the underlying stocks.
Bank of Montreal is issuing US$3,350,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes with contingent coupons due January 5, 2029. These notes are linked to the least-performing of the S&P 500 Index, NASDAQ-100 Index and Russell 2000 Index, and pay a contingent coupon of 2.35% per quarter (approximately 9.40% per annum) only if on each observation date all three indexes are at or above their coupon barrier levels, each set at 75% of its initial level.
Beginning June 30, 2026, the notes are automatically redeemed if all reference assets close above their initial levels, returning principal plus the applicable coupon. If the notes are not called, investors receive at maturity either full principal or, if any index finishes below its trigger level (also 75% of initial), a reduced amount based on the negative performance of the worst index, which can be zero. The price to the public is 100% of principal, with a 2.00% agent’s commission, and the estimated initial value is $974.06 per $1,000, reflecting structuring and hedging costs.
Bank of Montreal is issuing US$367,000 of Senior Medium-Term Notes, Series K, structured as autocallable barrier notes due January 5, 2029. The notes are linked to the least performing of the NASDAQ-100 Index, the Russell 2000 Index and the Dow Jones Industrial Average, with automatic redemption starting January 6, 2027 if each index is at or above its initial level. On an automatic call date, investors receive principal plus a fixed call amount of $111, $222 or $333 per $1,000 note, reflecting an annualized return of approximately 11.10% if triggered. If the notes are not called, principal is protected at maturity unless any index finishes below 70% of its initial level; in that case repayment is reduced in line with the loss of the weakest index and can fall to zero. The price to the public is 100% of principal, with a 2.50% selling commission, and the estimated initial value is $951.87 per $1,000.
Bank of Montreal is issuing $1.624 million of senior Capped Barrier Enhanced Return Notes linked to the S&P 500 Index, maturing on March 5, 2027. The notes offer 200% leveraged upside on index gains, but returns are capped at a Maximum Redemption Amount of $1,115.50 per $1,000 of principal, equal to an 11.55% maximum gain.
If the S&P 500 falls but stays at or above 85% of the Initial Level of 6,896.24, investors receive principal back only. If the index closes below the Barrier Level of 5,861.80, repayment is reduced one-for-one with the index loss and investors can lose their entire principal. The notes pay no interest, are unsecured obligations of Bank of Montreal, will not be listed on an exchange, and had an initial estimated value of $974.79 per $1,000, below the public offering price.
Bank of Montreal is offering US$435,000 of Senior Medium-Term Notes, Series K, in the form of callable barrier notes linked to the Class A common stock of Robinhood Markets, Inc. The notes pay a contingent monthly coupon at a rate of 1.905% per month (approximately 22.86% per year) when the Robinhood share price on an observation date is at or above the coupon barrier of $57.73, which is 50% of the initial level of $115.45. Beginning March 31, 2026, the issuer may call the notes in whole on any observation date, returning principal plus any due coupon.
If the notes are not called, investors receive $1,000 per note at maturity so long as the final stock price is at or above the same $57.73 trigger level. If the final price is below this trigger, repayment is reduced in line with the percentage decline of the stock and can fall to zero, meaning investors can lose all of their principal. The estimated initial value is $970.50 per $1,000, reflecting structuring and hedging costs.
Bank of Montreal is issuing US$1,700,000 of senior medium-term Autocallable Barrier Enhanced Return Notes due January 5, 2029, linked to the SPDR S&P Regional Banking ETF (KRE). The notes offer 150% leveraged upside at maturity if the ETF finishes at or above its initial level of $65.94 and the notes are not called early. They may be automatically redeemed on January 6, 2027 if the ETF is above 100% of its initial level, paying principal plus a $170 call amount per $1,000 note, which represents about 17% per annum.
If the notes are not redeemed and the ETF closes below the $59.35 barrier (90% of the initial level) at final valuation, investors lose 1% of principal for each 1% ETF decline and can lose their entire investment. The notes pay no interest, are unsecured obligations of Bank of Montreal, will not be listed on an exchange, and are issued in $1,000 denominations. The price to the public is 100% of principal, with a 2.85% selling commission; the bank estimates the initial value at $956.17 per $1,000.