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Bank of Montreal is offering senior Market Linked Securities tied to the worst performer of Alphabet Class A (GOOGL) and NVIDIA (NVDA), maturing on December 31, 2027. Each note has a $1,000 face amount and pays a 13.10% per annum contingent coupon, calculated and payable monthly only if, on the relevant calculation day, the lowest performing stock closes at or above 60% of its starting value. The notes may be automatically called from June 2026 through November 2027 if the lowest performer is at or above its starting value, in which case investors receive $1,000 plus the final coupon.
If the notes are not called, investors receive at maturity either $1,000 if the lowest performer is at or above its 50% downside threshold, or a reduced amount proportional to that stock’s decline, exposing them to losses greater than 50% and possibly their entire principal. The starting prices are $313.56 for GOOGL and $188.22 for NVDA, with an estimated initial value of $958.51 per note. These unsecured notes carry Bank of Montreal credit risk, are not insured by any deposit insurer, will not be listed on an exchange, and may have limited or no secondary market liquidity.
Bank of Montreal is issuing US$75,000 of Senior Medium-Term Notes, Series K, linked to the common stock of Intel Corporation. These “autocallable barrier enhanced return notes” offer 150.00% leveraged upside on any gain in Intel’s share price at maturity if the notes are not called early.
The notes may be automatically redeemed on December 31, 2026 if Intel’s stock closes above 100.00% of its initial level of $36.68. In that case, investors receive their principal plus a fixed Call Amount of $224.00 per $1,000 note on January 06, 2027, equal to a return of approximately 22.40% per annum, with no further participation in stock gains.
If the notes are not called and Intel’s final level is at or above its initial level, investors receive principal plus 150.00% of the stock’s percentage gain. If the final level is below the initial level but at or above the Barrier Level of $22.01 (60.00% of the initial level), investors receive only their $1,000 principal. If Intel falls below the barrier, repayment is reduced 1% for each 1% decline, and principal loss can reach 100%.
The notes pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on any exchange. The price to the public is 100% of principal, with a 4.50% agent’s commission, and the estimated initial value is $936.51 per $1,000 note, reflecting offering and hedging costs.
Bank of Montreal is issuing US$2,213,000 of senior medium-term Digital Return Barrier Notes due June 30, 2027, linked to the Class A common stock of CoreWeave, Inc. (CRWV). These notes offer a fixed 52.00% digital return on $1,000 principal if the CoreWeave share price on the valuation date is at or above 50.00% of its initial level of $74.92, a digital barrier set at $37.46. If the stock falls more than 50.00% from this initial level, investors lose 1% of principal for each 1% decline, and can lose their entire investment. The notes pay no interest, are unsecured obligations of Bank of Montreal, will not be listed on any exchange, and have an estimated initial value of $934.47 per $1,000, below the 100% public offering price, reflecting embedded costs and hedging. All payments are subject to Bank of Montreal’s credit risk, and the product involves complex tax and liquidity considerations.
Bank of Montreal is issuing $9,707,000 of Senior Medium-Term Notes, Series K, redeemable fixed-rate notes due January 2, 2036. Each note has a $1,000 principal amount, pays fixed interest of 4.95% per annum, with interest paid semi-annually on January 2 and July 2, starting July 2, 2026.
The notes are callable at par plus accrued interest, in whole but not in part, on January 2 and July 2 of each year from January 2, 2028 through June 2, 2035. They are unsecured obligations of Bank of Montreal, will not be listed on any securities exchange, and are subject to the bank’s credit risk.
The notes are designated as bail-inable notes under the Canada Deposit Insurance Corporation Act and may be converted into Bank of Montreal common shares or varied or extinguished in a bail-in conversion. They are not insured by U.S. or Canadian deposit insurance schemes. The original issue price is $1,000 per note, with a $10 underwriting discount and $9,609,930 in proceeds to Bank of Montreal before expenses.
Bank of Montreal is issuing $6,427,000 of Senior Medium-Term Notes, Series K, which are 4.50% fixed-rate bail-inable notes due January 2, 2031. The notes pay interest semi-annually each January 2 and July 2, starting July 2, 2026, at a rate of 4.50% per year on a $1,000 minimum denomination.
Bank of Montreal may redeem the notes in whole at 100% of principal plus accrued interest on optional redemption dates every January 2 and July 2 from January 2, 2027 through July 2, 2030. The notes are unsecured obligations of Bank of Montreal, are not insured by any deposit insurance agency, and will not be listed on any securities exchange.
The offering price is $1,000 per note, with a $5 underwriting discount per note, resulting in total proceeds to Bank of Montreal of $6,394,865 after a total underwriting discount of $32,135. As bail-inable notes, they may be converted into common shares of Bank of Montreal or its affiliates, or varied or extinguished, under Canadian bank resolution powers.
Bank of Montreal is offering senior market-linked notes due January 3, 2028 linked to the Nasdaq-100 Index® and the S&P 500® Index. Each security has a $1,000 face amount, with an original offering price of $1,000, and an estimated initial value of about $968.71 based on internal models.
The notes provide 100% upside participation in the lowest performing index, but gains are capped at a maximum return of 22.10%, for a maximum maturity payment of $1,221 per security. A 15% buffer applies: if the lowest index ends at or above 85% of its starting value, investors receive at least their principal and may earn a positive return, including in some modest decline scenarios. If the lowest index falls more than 15%, investors lose 1% of principal for each 1% decline beyond the buffer, up to a potential loss of 85% of principal.
The notes pay no interest, are unsecured obligations of Bank of Montreal, and are not insured by any government agency. They will not be listed on an exchange, secondary market liquidity may be limited, and U.S. tax treatment is complex and uncertain, with potential alternative characterizations by the IRS discussed in detail in the tax sections.
Bank of Montreal is offering senior market-linked notes tied to the SPDR® Gold Trust (GLD), providing principal repayment at maturity and equity-like upside exposure to gold prices. Each note has a $1,000 principal amount, a 100% upside participation rate, and a maximum return of 31.80%, capping the maturity payment at $1,318 per note if the Underlier rises enough. If the ending value is at or below the starting value of $398.60, holders receive only the $1,000 principal at maturity on January 4, 2030.
The notes do not pay interest and are unsecured obligations of Bank of Montreal, so all payments depend on its credit. The estimated initial value is $947.26 per note, below the $1,000 original offering price, reflecting structuring and hedging costs. The notes are not listed on any exchange, may have limited or no secondary market, and embed complex tax and gold-related commodity risks.
Bank of Montreal is offering senior market-linked notes tied to the Nasdaq-100 Index® and the S&P 500® Index, with a total original offering price of $1,852,000 and an original offering price of $1,000 per security. The notes may be automatically called on January 4, 2027 if the lowest performing index is at or above its starting value, paying back principal plus an 11.35% call premium. If not called, the notes mature on January 3, 2028 with 100% upside participation in the lowest performing index and a 10% downside buffer; beyond that buffer, holders lose 1% of principal for each additional 1% index decline, up to a 90% loss. The securities pay no interest, are unsecured obligations of Bank of Montreal with an estimated initial value of $969.12 per $1,000, will not be listed on any exchange, and involve complex tax, market, liquidity and credit risks.
Bank of Montreal is offering Accelerated Return Notes linked to the Russell 2000 Index, with a $10 principal amount per unit and a term of approximately 14 months, maturing in March 2027. The notes provide 300% leveraged upside on any positive index return, but gains are capped at a Capped Value between $11.525 and $11.925 per unit, equal to a return of 15.25% to 19.25%.
If the Index is flat at maturity, investors receive only the $10 principal; if it falls, they lose some or all of their investment. The notes are unsecured senior debt of Bank of Montreal, not insured by the Canada Deposit Insurance Corporation or FDIC, and are subject to BMO’s credit risk. The initial estimated value is expected to range from $9.10 to $9.55 per unit, below the $10 public offering price, reflecting an underwriting discount of $0.175 per unit and a hedging-related charge of $0.05 per unit. Returns exclude dividends on the small-cap stocks in the Index.
Bank of Montreal is offering US$2,100,000 of Senior Medium-Term Notes, Series K, in the form of autocallable barrier notes linked to the common stock of Uber Technologies, Inc. Each note has an Initial Level of $81.26 and offers a contingent coupon of 3.1075% per quarter (about 12.43% per year) when Uber’s closing level on an Observation Date is at or above the Coupon Barrier Level of $56.88, which is 70% of the Initial Level.
Starting March 30, 2026, the notes are automatically redeemed if Uber’s closing level on an Observation Date is at or above 100% of the Initial Level, returning principal plus the due coupon. If not redeemed, at maturity on January 2, 2029 investors receive $1,000 per $1,000 in principal unless the Final Level is below the Trigger Level of $56.88; in that case, repayment is reduced in line with Uber’s percentage decline, potentially down to zero, plus any final coupon if payable. The notes are unsecured obligations of Bank of Montreal, not insured deposits, and the estimated initial value is $962.80 per $1,000, reflecting fees and hedging costs.