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Bank of Montreal is offering US$1,088,000 of Intel-linked autocallable barrier notes maturing December 29, 2028. These senior unsecured notes pay a contingent coupon of 3.5625% per quarter (about 14.25% per year) only if Intel’s stock closes on each observation date at or above the coupon barrier of $18.18, which is 50% of the $36.35 initial level.
Beginning March 25, 2026, the notes are automatically redeemed if Intel’s share price is above the initial level, returning principal plus the applicable coupon. If they are not called and Intel’s final level is at or above the $18.18 trigger, investors receive full principal back at maturity, plus any final coupon. If the final level is below the trigger, repayment is reduced one-for-one with Intel’s decline and can fall to zero.
The estimated initial value is $969.95 per $1,000, below the 100% public offering price, reflecting dealer compensation and hedging costs. The notes are cash-settled only and involve significant equity, credit and structural risks highlighted in the risk sections.
Bank of Montreal is offering US$877,000 of Senior Medium-Term Notes, Series K, callable barrier notes with contingent coupons due December 29, 2028, linked to the least performing of the S&P 500 Index, NASDAQ-100 Index and Russell 2000 Index. The notes pay a contingent monthly coupon of 0.9083% (about 10.90% per year) only if each index is at or above 70% of its initial level on the relevant observation date.
Beginning March 25, 2026, Bank of Montreal may redeem the notes in whole on any observation date, paying back principal plus any due coupon. If the notes are not called and, on the valuation date, any index closes below its 70% trigger level, investors’ principal is reduced in line with the percentage decline of the worst-performing index and can be lost in full. The estimated initial value is $992.54 per $1,000 of principal.
Bank of Montreal is offering US$285,000 of senior medium‑term autocallable barrier notes due December 29, 2028, linked to the common stock of Super Micro Computer, Inc. (SMCI). The notes pay a contingent coupon of 6.075% per quarter (approximately 24.30% per year), or $60.75 per $1,000, only if SMCI’s closing level on an observation date is at or above the coupon barrier of $15.38, which is 50% of the initial level of $30.76.
Beginning March 25, 2026, the notes are automatically redeemed if SMCI’s closing level is at or above 100% of the initial level on an observation date, returning principal plus the applicable coupon. If the notes are not called and SMCI closes on the valuation date below the trigger level of $15.38, investors receive $1,000 plus $1,000 times the percentage change in SMCI, which can reduce principal and may be zero. The estimated initial value is $965.89 per $1,000 in principal amount, reflecting structuring and hedging costs.
Bank of Montreal is issuing $5,448,000 of Senior Medium-Term Notes, Series K, callable barrier notes with contingent coupons due December 29, 2028. These notes are linked to the least performing of three references: the iShares 20+ Year Treasury Bond ETF (TLT), the NASDAQ-100 Index (NDX), and the Russell 2000 Index (RTY).
Investors can receive a contingent coupon of 0.875% per month (about 10.50% per year) for each $1,000 note when all three reference assets stay at or above 70% of their initial levels on observation dates. Starting June 25, 2026, Bank of Montreal may call the notes on any observation date, returning principal plus any due coupon. If the notes are not called and any reference asset finishes below its 70% trigger level at maturity, repayment of principal will be reduced in line with the loss on the worst-performing asset, and could be zero.
Bank of Montreal is offering US$500,000 of senior Series K Contingent Risk Absolute Return Buffer Notes due December 30, 2027, linked to the worst performer of the S&P 500 Index and the NASDAQ-100 Index. The notes provide 1-to-1 exposure to any gain in the least performing index, capped at a 24.00% Maximum Return, or $1,240 per $1,000 of principal. If that index falls but finishes at or above 80.00% of its Initial Level, investors still receive a positive “absolute return” up to a 20.00% gain, or $1,200 per $1,000. If it drops more than 20%, principal is reduced 1% for each 1% decline beyond the buffer, with up to 80.00% of principal at risk.
The notes pay no interest, will not be listed, and all payments depend on the credit of Bank of Montreal. The price to the public is 100% of principal with a 0.40% selling commission, and the estimated initial value is $989.00 per $1,000, reflecting offering and hedging costs. The supplement highlights structural, market, liquidity, credit and tax risks.
Bank of Montreal is offering Accelerated Return Notes linked to the iShares U.S. Aerospace & Defense ETF. These senior unsecured notes have a $10 principal amount per unit, an approximately 14‑month term, and provide a leveraged upside with a 300% participation rate, subject to a cap. The Capped Value is expected to be between $11.10 and $11.50 per unit, limiting maximum returns to about 11%–15% over principal.
If the ETF’s ending value is above its starting value, investors receive principal plus leveraged gains up to the cap. If the ending value equals the starting value, they receive only their principal. If it is lower, they lose the same percentage as the ETF’s decline, up to a total loss. The initial estimated value is expected between $9.10 and $9.46 per unit, less than the $10 public offering price, reflecting fees, hedging costs and BMO’s internal funding rate. Payments depend entirely on ETF performance and BMO’s credit risk, and the notes pay no dividends.
Bank of Montreal is offering US$376,000 of Senior Medium-Term Notes, Series K Contingent Risk Absolute Return Buffer Notes due December 30, 2030, linked to the S&P 500® Futures Excess Return Index. The notes provide 162.20% leveraged upside on any positive index performance. If the index falls but stays above the 20.00% downside buffer (Buffer Level 80.00% of the Initial Level), investors receive a positive “absolute return” up to a maximum redemption of $1,200 per $1,000 principal (20.00% gain). If the index declines by more than 20.00%, holders lose 1% of principal for each additional 1% drop, with losses up to 80.00% of principal at maturity.
The notes pay no interest, are not listed on any exchange, and all payments depend on the credit of Bank of Montreal. The estimated initial value is $962.70 per $1,000, below the public offering price, reflecting structuring and hedging costs and the bank’s internal funding rate.
Bank of Montreal is issuing $2,810,000 of Senior Medium-Term Notes, Series K, Digital Return Barrier Notes due December 30, 2030, linked to the S&P 500® Futures Excess Return Index.
The notes offer a fixed positive return of 65.65% if the index gain over the term is positive but below that level, and a one-to-one upside participation above a 65.65% gain. If the index finishes below its initial level but not below 70% of that level, investors simply receive back their principal.
If the index falls more than 30% from its initial level, holders lose 1% of principal for each 1% decline, up to a total loss of principal. The notes pay no interest, are not listed on any exchange, and all payments depend on the credit of Bank of Montreal. The price to the public is 100% of principal, including a 0.625% agent’s commission, and the bank’s estimated initial value is $962.96 per $1,000.
Bank of Montreal is offering Accelerated Return Notes® linked to an equally weighted basket of three financial stocks: The Goldman Sachs Group, Inc., JPMorgan Chase & Co. and Morgan Stanley. Each note has a $10 principal amount, is a senior unsecured obligation of BMO, and matures in approximately 14 months in March 2027.
At maturity, if the basket Ending Value is above the Starting Value of 100.00, holders receive a leveraged payoff with a 300% participation rate, but the return is capped at a Capped Value between $12.00 and $12.40 per unit, representing a maximum gain of 20% to 24%. If the Ending Value equals the Starting Value, the repayment is $10.00 per unit. If the Ending Value is below the Starting Value, repayment falls one‑for‑one with the basket and can drop to zero, so investors can lose all principal.
The initial estimated value on the pricing date is expected between $9.10 and $9.51 per unit, below the $10 public offering price, reflecting BMO’s internal funding rate, an underwriting discount of $0.175 per unit, and a hedging related charge of $0.05 per unit. The notes are not listed on any exchange, are not insured by Canadian or U.S. deposit insurance schemes, and all payments depend on BMO’s credit.
Bank of Montreal is offering senior medium-term Redeemable Fixed Rate Notes, Series K, due December 30, 2032. Each Note has a $1,000 principal amount and pays fixed interest at 4.55% per annum, with interest paid in cash in U.S. dollars semi-annually on January 9 and July 9, starting July 9, 2026. Unless earlier redeemed, investors receive $1,000 per Note plus accrued interest at maturity.
The Notes are callable at 100% of principal plus accrued interest, in whole but not in part, on January 9 and July 9 of each year from July 9, 2027 through July 9, 2032. The Notes are unsecured obligations of Bank of Montreal, are bail-inable under the Canada Deposit Insurance Corporation Act, and are not insured by U.S. or Canadian deposit insurance. They will not be listed on any securities exchange, and a trading market is not expected to develop.
Per Note, the original issue price is $1,000, the underwriting discount is $15, and proceeds to Bank of Montreal are $985. The Notes are expected to be treated as debt instruments issued without original issue discount for U.S. federal tax purposes. Investors face interest rate risk, credit risk, call risk, and liquidity risk.