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Bank of Montreal is offering senior medium-term fixed-rate notes due January 12, 2029. Each Note has a $1,000 principal amount and pays interest at a fixed rate of 4.00% per annum, with semi-annual payments on January 12 and July 12, starting July 12, 2026. At maturity, unless earlier redeemed, investors receive $1,000 per Note plus any accrued and unpaid interest.
The Notes are callable in whole at Bank of Montreal’s option at 100% of principal plus accrued interest on semi-annual optional redemption dates from January 12, 2027 through July 12, 2028. They are unsecured obligations of Bank of Montreal, are not insured by any deposit insurance agency, and will not be listed on any securities exchange, so liquidity may be limited.
The Notes are designated as bail-inable notes under the Canada Deposit Insurance Corporation Act, meaning they may be converted into Bank of Montreal common shares, or varied or extinguished, if Canadian bank resolution powers are exercised. Investors also face credit risk of Bank of Montreal, market value risk from interest rate changes, and potential conflicts of interest related to underwriting and hedging by BMO Capital Markets and affiliates.
Bank of Montreal is offering senior medium-term fixed-rate notes, Series K, that pay interest at 4.30% per annum and are scheduled to mature on December 30, 2030. Each note has a $1,000 principal amount, and holders will receive $1,000 per note at maturity plus any accrued and unpaid interest, unless the notes are redeemed earlier.
Interest is paid semi-annually on January 9 and July 9, starting July 9, 2026. The notes are callable at par by Bank of Montreal, in whole but not in part, on semi-annual optional redemption dates from January 9, 2027 through July 9, 2030. They are unsecured, bail-inable obligations of Bank of Montreal, subject to Canadian bail-in powers, and are not insured by any government agency. The notes will not be listed on any securities exchange, and investors may face limited or no secondary market liquidity. The original issue price is $1,000 per note, including a $15 underwriting discount, resulting in proceeds to Bank of Montreal of $985 per note.
Bank of Montreal is offering unsecured senior market-linked notes tied to the worst performer of Advanced Micro Devices (AMD) common stock and Alphabet Class A (GOOGL), maturing on January 5, 2029. Each security has a $1,000 face amount and pays a quarterly contingent coupon at a rate of at least 19.40% per year, but only if the worst-performing stock on the observation date is at or above 70% of its initial level. Missed coupons have a memory feature and can be paid later if the trigger is met.
The notes are auto-callable from June 2026: if the worst-performing stock is at or above its initial level on a calculation day, investors receive $1,000 plus the applicable coupons and the notes end early. If the notes are not called and, at final valuation, the worst-performing stock is below 60% of its initial level, principal is reduced one-for-one with the stock’s loss, potentially to zero; there is no upside participation in stock gains.
The estimated initial value is $964.10 per $1,000 security (not less than $920.00 at pricing), reflecting structuring and hedging costs, and the notes are not bail-inable and will not be listed on an exchange. All payments depend on Bank of Montreal’s credit, and U.S. tax treatment is complex and uncertain, with 30% withholding generally expected on coupons for non-U.S. investors.
Bank of Montreal is issuing US$3,237,000 of senior Contingent Risk Absolute Return Buffer Notes due December 29, 2028, linked to the least performing of the S&P 500 Index and the Dow Jones Industrial Average. The notes pay no interest and are unsecured obligations subject to Bank of Montreal’s credit risk.
At maturity, investors get 1‑to‑1 upside on any gain in the least performing index, capped at a 30.15% maximum return, or $1,301.50 per $1,000. If that index falls but stays at or above 80% of its initial level, the notes provide a positive “absolute return” up to a 20% maximum downside redemption amount, or $1,200 per $1,000. If it falls more than 20%, principal is reduced 1% for each 1% drop beyond the 20% buffer, with up to 80% of principal at risk.
The price to the public is 100% of principal, with a 2.50% selling commission and 97.50% of proceeds to Bank of Montreal. The estimated initial value is $965.85 per $1,000, reflecting embedded costs and hedging. The notes will not be listed on any exchange and may have limited liquidity.
Bank of Montreal is offering US$2,629,000 of senior Medium-Term Notes, Series K, linked to the S&P 500® Index and maturing on December 29, 2028. These “Contingent Risk Absolute Return Buffer Notes” provide 1-to-1 upside exposure to S&P 500 gains, capped at a Maximum Redemption Amount of $1,290 per $1,000 of principal, a 29.00% maximum return.
If the S&P 500 falls but stays at or above the Buffer Level of 80.00% of the Initial Level, investors receive a positive absolute return up to a Maximum Downside Redemption Amount of $1,200 per $1,000 (20.00% return). If the index declines more than 20.00%, investors lose 1% of principal for each 1% drop beyond the 20.00% buffer, and could lose up to 80.00% of principal.
The notes pay no interest, will not be listed on an exchange, and all payments depend on Bank of Montreal’s credit. The estimated initial value is $980.99 per $1,000, below the public offering price due to offering, structuring and hedging costs. Liquidity may be limited, and complex tax treatment and potential conflicts of interest are highlighted as key risks.
Bank of Montreal is issuing US$1,200,000 of Senior Medium-Term Notes, Series K, maturing on December 27, 2027, whose return is linked to the iShares MSCI EAFE ETF. The notes offer 150.00% leveraged upside on any gain in EFA, but the payoff is capped at a Maximum Redemption Amount of $1,247 per $1,000 of principal, a maximum return of 24.70%.
The notes include a 10.00% downside buffer: if EFA’s final level is down 10% or less, investors receive principal back; below that, they lose 1% of principal for each additional 1% decline, up to a 90.00% loss. The notes pay no interest, are unsecured obligations of Bank of Montreal, will not be listed on an exchange, and carry the bank’s credit risk. The estimated initial value is $985.58 per $1,000 note, reflecting offering, structuring and hedging costs.
Bank of Montreal is issuing US$2,793,000 of Senior Medium-Term Notes, Series K, as autocallable barrier notes with contingent coupons due December 29, 2028. The notes are linked to the least performing of the VanEck Gold Miners ETF (GDX), the Russell 2000 Index (RTY) and the Nasdaq-100 Technology Sector Index (NDXT).
The notes pay a contingent coupon of 0.95% per month (approximately 11.40% per annum), but only if on each observation date every reference asset is at or above its coupon barrier level set at 70% of its initial level. Beginning June 25, 2026, the notes are automatically redeemed if all reference assets are at or above their call levels, returning principal plus the applicable coupon. If the notes are not called and any reference asset finishes below its 50% trigger level at maturity, investors lose principal in line with the decline of the least performing asset, potentially down to zero. The estimated initial value is $953.25 per $1,000 in principal amount.
Bank of Montreal is issuing US$2,094,000 of Senior Medium-Term Notes, Series K, callable barrier notes with contingent coupons due December 29, 2027, linked to the least performing of the S&P 500 Index and the Dow Jones Industrial Average.
The notes pay a contingent coupon of 0.4583% per month (approximately 5.50% per annum), or $4.583 per $1,000, only if on each observation date both indexes close at or above their coupon barrier levels of 4,145.87 for SPX and 29,065.45 for INDU.
If from September 24, 2026 onward Bank of Montreal exercises its issuer call on an observation date, investors receive principal plus any due coupon on the next coupon date. If the notes are not called, holders receive $1,000 per $1,000 at maturity unless a trigger event occurs, defined as either index finishing below 50% of its initial level (3,454.90 for SPX and 24,221.21 for INDU). In that case, repayment is reduced in line with the loss on the worst index and can be zero. The notes are unsecured, not insured deposits, and their estimated initial value is $989.32 per $1,000.
Bank of Montreal is offering US$457,000 of senior callable buffer notes due December 31, 2027, linked to the least-performing of the S&P 500, NASDAQ-100 and Russell 2000 indices. The notes pay a contingent monthly coupon of 0.7083% (about 8.50% per year) only if each index closes at or above its coupon barrier, set at 80% of its initial level. Starting December 28, 2026, the bank may redeem the notes at par plus any due coupon on specified quarterly call dates.
If the notes are not called and any index finishes below its 80% buffer level on the valuation date, repayment of principal is reduced in line with the decline beyond 20%, with potential losses of up to 80% of principal. The estimated initial value is $990.12 per $1,000, reflecting structuring and hedging costs, and the notes are unsecured obligations not insured by any deposit insurer.
Bank of Montreal is issuing US$3,618,000 of Senior Medium-Term Notes, Series K, Callable Barrier Notes with Contingent Coupons due November 29, 2027, linked to the least performing of the S&P 500® Index, the Russell 2000® Index and the Nasdaq-100 Technology Sector Index. Each note has a principal amount of $1,000 and offers a contingent coupon of 0.90% per month (approximately 10.80% per annum), paying $9.00 per $1,000 only if, on each Observation Date, all three indices close at or above their coupon barrier levels, set at 70.00% of their initial levels.
Beginning June 24, 2026, Bank of Montreal may call the notes in whole on any Observation Date, in which case investors receive their principal plus any due coupon on the Call Settlement Date. If the notes are not called, investors receive $1,000 per $1,000 note at maturity only if no Trigger Event occurs; if any index finishes below its 70.00% trigger level, repayment is reduced in line with the percentage decline of the worst-performing index, potentially to zero. The estimated initial value is $982.10 per $1,000, reflecting structuring and hedging costs, and the notes are unsecured obligations not insured by any deposit insurance corporation.