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Bank of Montreal is offering US$1,500,000 of senior market-linked notes tied to the S&P 500 Index, maturing May 1, 2028. The notes provide 1-to-1 upside exposure to any increase in the index, but gains are capped at a Maximum Return of 12.00%, meaning the maximum payment at maturity is $1,120 per $1,000 of principal.
If the S&P 500 Final Level is at or below its Initial Level of 6,932.05 on the valuation date, investors receive only their principal back, with no upside and no loss of principal at maturity. The notes do not pay periodic interest, are not listed on any exchange, and all payments depend on the credit of Bank of Montreal. The initial estimated value is $974.95 per $1,000, below the public offering price of 100%, reflecting offering, hedging and distribution costs, including a 1.50% agent’s commission.
Bank of Montreal is offering US$1,955,000 of senior Medium-Term Notes, Series K, maturing on December 29, 2027 and linked to the S&P 500 Futures Excess Return Index. The notes provide 1-to-1 upside exposure to index gains, but returns are capped at a Maximum Redemption Amount of $1,248 per $1,000 of principal, a 24.80% maximum gain. If the index falls but stays within a 20% buffer, investors earn a positive “absolute return” of up to $1,200 per $1,000, a 20.00% gain. If the index declines by more than 20% from its initial level, investors lose 1% of principal for each 1% additional decline and can lose up to 80% of principal at maturity.
The notes pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on any exchange. The initial estimated value is $981.97 per $1,000, below the 100% public offering price, reflecting offering, structuring and hedging costs. All payments depend on Bank of Montreal’s credit and the complex futures-based index, which can be adversely affected by financing costs, negative roll yield, and the fact it excludes dividends and collateral interest.
Bank of Montreal is issuing US$1,092,000 of Senior Medium-Term Notes, Series K, due December 29, 2027, that offer a potential 19.80% digital return linked to the least performing of the NASDAQ-100 Index, Russell 2000 Index and Dow Jones Industrial Average. If the least performing index’s final level is at least 70% of its initial level, investors receive $1,198 per $1,000 note at maturity. If it falls more than 30% below its initial level, repayment is reduced point-for-point with the decline, down to a total loss of principal. The notes pay no interest, are unsecured and unsubordinated obligations of Bank of Montreal, will not be listed on any exchange, and are subject to the bank’s credit risk. The estimated initial value is $987.03 per $1,000 in principal amount, below the issue price, reflecting offering, structuring and hedging costs.
Bank of Montreal is offering US$329,000 of senior medium-term Barrier Enhanced Return Notes due December 29, 2028, linked to the least performing of the S&P 500 Index and the Russell 2000 Index. These unsecured notes pay no interest and all payments depend on Bank of Montreal’s credit.
At maturity, if the least performing index is at or above its initial level, investors receive principal plus 141.20% of that index’s gain. If it is below the initial level but at or above 75% of the initial level (the barrier), investors receive only their $1,000 principal per note. If it finishes below the barrier, repayment is reduced one-for-one with the index loss, and principal can be completely lost. The notes are sold at 100% of principal, with an agent’s commission of approximately 0.2667%, and their estimated initial value is $984.79 per $1,000.
Bank of Montreal is issuing US$558,000 of senior Medium-Term Notes, Series K, market-linked notes due December 31, 2029, tied to the S&P 500 Index. The notes provide 1-to-1 upside exposure to any gain in the index, but total return is capped by a Maximum Redemption Amount of $1,292 per $1,000 of principal, equal to a 29.20% maximum return.
If the S&P 500 Final Level is at or below its Initial Level of 6,909.79, investors receive only their principal back at maturity, with no loss of principal but no gain. The notes pay no interest and will not be listed on any exchange, so liquidity will depend on BMO Capital Markets’ willingness to make a market.
All payments are subject to the credit risk of Bank of Montreal$974.37 per $1,000, below the issue price, reflecting embedded fees, commissions and hedging costs. U.S. holders are expected to be taxed under contingent payment debt instrument rules, recognizing taxable income over the life of the notes even though cash is only received at maturity.
Bank of Montreal is issuing US$3,503,000 of Senior Medium-Term Notes, Series K, structured as callable barrier notes due November 30, 2027. The notes pay a contingent coupon of 1.375% per month (about 16.50% per year) only when each reference asset — KRE, NDX and GDX — closes on an observation date at or above its coupon barrier level, set at 70% of its initial level.
Beginning on December 28, 2026, Bank of Montreal may call the notes on any observation date, returning principal plus any due coupon. If the notes are not called, principal repayment depends on the least performing reference asset at maturity. If any final level is below its trigger level, set at 60% of its initial level, investors lose principal in line with that asset’s decline, and could lose the entire amount. The estimated initial value is $984.65 per $1,000 of principal.
Bank of Montreal is offering US$770,000 of senior medium-term Autocallable Barrier Notes with Memory Coupons due December 31, 2026, linked to the worst performer between Apple (AAPL) and Tesla (TSLA) stock. The notes pay a contingent monthly coupon of 1.6125% (about 19.35% per year), but only if on each observation date both stocks close at or above their coupon barrier levels of $190.65 for AAPL and $339.89 for TSLA, which are 70% of their initial levels.
Beginning March 26, 2026, the notes can be automatically redeemed if each stock is at or above its initial level; in that case, investors receive principal plus any due coupons. If the notes are not called and on the valuation date either stock closes below its trigger level (also 70% of its initial level), investors receive shares (or cash) of the worst-performing stock worth less than their principal, and possibly zero, plus any contingent coupons that become payable. The estimated initial value is $949.12 per $1,000 face amount, reflecting structuring and hedging costs.
Bank of Montreal is issuing US$2,482,000 of Senior Medium‑Term Barrier Notes due December 31, 2026 linked to Alphabet Inc.’s Class A common stock (GOOGL). The notes pay fixed monthly Coupons at an interest rate of 0.8417% per month, or approximately 10.10% per year, so each Coupon on a $1,000 note is $8.417, paid on the last business day of each month from January 30, 2026 through maturity.
At maturity, holders receive $1,000 per $1,000 note unless a Trigger Event occurs. A Trigger Event happens if the Final Level of GOOGL on the valuation date is below the Trigger Level of $220.05, which is 70.00% of the Initial Level of $314.35. If that occurs, investors receive either shares equal to the Physical Delivery Amount (based on $1,000 divided by the Initial Level) or, at the bank’s election, the equivalent Cash Delivery Amount, plus the final Coupon, which can result in a substantial loss of principal.
The notes are unsecured obligations of Bank of Montreal, are not insured by deposit insurance schemes, and have an estimated initial value of $985.79 per $1,000 in principal amount, reflecting structuring and hedging costs.
Bank of Montreal is offering US$1,333,000 of Senior Medium‑Term Notes, Series K, in the form of autocallable barrier notes with memory coupons due December 29, 2027, linked to the common stock of Caesars Entertainment, Inc. (CZR).
The notes pay a contingent coupon of 3.6875% per quarter (approximately 14.75% per annum), or $36.875 per $1,000 of principal, on scheduled payment dates only if CZR’s closing level is at or above the coupon barrier of $12.22 (50% of the initial level of $24.44). A memory feature allows missed coupons to be paid later if the barrier is met on a future observation date.
Starting June 23, 2026, the notes are automatically redeemed if CZR closes above its initial level on an observation date, returning principal plus any due coupons. If not called, investors receive full principal at maturity only if the final CZR level is at or above the trigger level of $12.22. If the final level is below the trigger, investors receive CZR shares (or cash equivalent) equal to $1,000 divided by the initial level, exposing them to potentially large losses, including total loss. The estimated initial value is $966.91 per $1,000 note, and the notes are unsecured obligations of Bank of Montreal, not insured by any deposit insurance agency.
Bank of Montreal is issuing US$3,025,000 of Senior Medium-Term Notes, Series K, in the form of callable barrier notes due November 30, 2027. The notes are linked to the least performing of the S&P 500 Index, NASDAQ-100 Index and Russell 2000 Index.
Investors can receive a contingent monthly coupon of 0.8542% (about 10.25% per year), paying US$8.542 per US$1,000 of principal, but only if on each observation date all three indices are at or above their coupon barriers, set at 60% of their initial levels. Bank of Montreal may call the notes in whole on any observation date starting June 25, 2026, repaying principal plus any due coupon.
If the notes are not called, principal repayment depends on index performance. Full principal is returned at maturity unless a trigger event occurs (any index closing below 60% of its initial level on any day) and the final level of the worst index is below its initial level. In that case, repayment is reduced in line with the loss on the worst index, and could be zero. The estimated initial value is US$990.88 per US$1,000 of principal.