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Bank of Montreal is issuing unsecured structured notes linked to the Nasdaq-100 Index®. The notes have a $1,000 principal amount, are scheduled to be issued on December 29, 2025, and mature on March 25, 2027. They pay no interest and are designed to be held to maturity.
The initial underlier level is 25,587.83, with a threshold level set at 90.00% of that value. If, on the determination date, the index is at or above the threshold, investors receive a fixed $1,112.80 per $1,000 note. If it is below, the payoff is reduced so that investors lose approximately 1.1111% of principal for every 1% the index falls below the threshold, with the possibility of losing the entire investment. The estimated initial value is $982.60 per $1,000 note. A total of $1,400,000 of notes are offered at $1,000 each with a $12.50 underwriting discount per note. The notes will not be listed on an exchange and are fully subject to Bank of Montreal’s credit risk.
Bank of Montreal is offering unsecured structured notes linked to the VanEck Gold Miners ETF (GDX), maturing on January 27, 2027. The notes have a $1,000 principal amount and do not pay interest.
At maturity, investors receive enhanced upside exposure with a 200% participation rate, capped at a maximum settlement amount of $1,379.40 per note if the ETF is at or above 118.97% of its initial level of $90.271.1111% of principal for each 1% decline beyond the 10% threshold, and investors could lose all principal.
The total offering is $3,500,000, with an underwriting discount of $10.80 per note. The estimated initial value is $980.23 per $1,000, reflecting offering and hedging costs. The notes are not listed on any exchange, carry the credit risk of Bank of Montreal, and involve complex U.S. and Canadian tax considerations, including potential "constructive ownership" treatment and Section 871(m) issues for non-U.S. holders.
Bank of Montreal is offering $1,020,000 of Senior Medium-Term Notes, Series K, redeemable fixed rate notes due December 14, 2035. Each Note has a $1,000 principal amount, pays fixed interest at 4.90% per annum, and returns $1,000 per Note at maturity plus any accrued interest, unless redeemed earlier.
Interest is paid semi-annually on June 26 and December 26, starting June 26, 2026, using a 30/360 day count. The Notes are callable at 100% of principal plus accrued interest on semi-annual dates from December 26, 2027 through June 26, 2035. They are unsecured, not listed on any exchange, and are bail-inable notes that may be converted into Bank of Montreal common shares or varied or extinguished under Canadian bank resolution powers, meaning holders could lose some or all of their investment in a resolution scenario.
The original issue price is $1,000 per Note, with a $15 underwriting discount and $985 in proceeds to Bank of Montreal per Note, for total proceeds of $1,004,740 before expenses. The Notes are subject to the credit risk of Bank of Montreal and are not insured by U.S. or Canadian deposit insurance schemes.
Bank of Montreal is offering senior market-linked notes tied to the worst performer of Arista Networks common stock and Meta Platforms Class A stock, maturing on February 1, 2027. Each security has a $1,000 face amount, original offering price of $1,000, and an estimated initial value of $982.89 per security.
At maturity, if the lowest performing stock is at or above 55% of its starting value, investors receive $1,000 plus a fixed 17.50% return (a total of $1,175 per security), regardless of how much either stock has risen. If the lowest performing stock finishes below its 55% threshold, the payoff is reduced one-for-one with that stock’s loss, and investors can lose more than 45% and up to all of principal.
The notes pay no interest, are unsecured obligations of Bank of Montreal subject to its credit risk, and will not be listed on any exchange. The offering size is $845,000, with an agent discount of up to $10.75 per security and proceeds to the issuer of $989.25 per security.
Bank of Montreal is issuing $3,632,000 of Senior Medium-Term Notes, Series K, which are fixed-rate, redeemable notes due December 16, 2032. Each note has a principal amount of $1,000 and pays interest at a fixed rate of 4.60% per annum, with semi-annual payments each June 26 and December 26, starting June 26, 2026.
The notes are callable at Bank of Montreal’s option at par plus accrued interest on semi-annual dates from June 26, 2027 through June 26, 2032. They are unsecured obligations of the bank, are not insured by U.S. or Canadian deposit insurance agencies, and are designated as bail-inable notes that may be converted into common shares or varied or extinguished under Canadian bank resolution powers. The original issue price is $1,000 per note, with a $12 underwriting discount and proceeds to Bank of Montreal of $988 per note.
Bank of Montreal is issuing unsecured, MSCI EAFE Index®-linked notes that pay no interest and are designed to be held to the October 15, 2027 stated maturity date. Each note has a $1,000 principal amount, with a total offering size of $3,378,000.
At maturity, payment depends on index performance from the December 23, 2025 trade date to the October 13, 2027 determination date. If the index rises, holders get 160% of the index gain, but returns are capped at a maximum settlement amount of $1,248 per note, reached when the index is at or above 115.50% of its initial level of 2,895.68. If the index falls by up to 12.50%, investors receive back their principal.
If the index closes below 87.50% of its initial level (the buffer level), principal is reduced, with about 1.1429% loss for every 1% the index falls below that buffer, up to a total loss. The estimated initial value is $994.31 per $1,000, reflecting structuring and hedging costs. The notes are not bail-inable, will not be listed on any exchange, carry Bank of Montreal credit risk, and have complex U.S. tax treatment.
Bank of Montreal is offering senior medium-term Redeemable Fixed Rate Notes, Series K, due January 13, 2031. Each Note has a $1,000 principal amount and pays fixed interest at 4.45% per annum, with semi-annual payments every January 13 and July 13, starting July 13, 2026. Unless earlier redeemed, investors receive $1,000 per Note plus accrued interest at maturity.
The Notes are callable at Bank of Montreal’s option at 100% of principal plus accrued interest on each January 13 and July 13 from January 13, 2028 through July 13, 2030. They are unsecured obligations subject to the bank’s credit risk and qualify as Canadian bail-inable notes, meaning they can be converted into common shares or varied or extinguished under the Canada Deposit Insurance Corporation Act in a resolution scenario. The Notes will not be listed on any securities exchange, and an underwriting discount of $10 per Note reduces proceeds to $990 per Note for the issuer.
Bank of Montreal is issuing $5,193,000 of Senior Medium-Term Notes, Series K, redeemable fixed rate notes due December 16, 2030. The notes pay a fixed interest rate of 4.40% per annum, with interest paid in cash semi-annually each June 26 and December 26, starting June 26, 2026, and $1,000 principal per note payable at maturity if not redeemed earlier.
The notes may be redeemed by Bank of Montreal, in whole but not in part, at 100% of principal plus accrued interest on specified optional redemption dates every June 26 and December 26 from December 26, 2026 through June 26, 2030. The offering price is $1,000 per note, with proceeds to Bank of Montreal of $5,141,070 after a $51,930 underwriting discount. The notes are unsecured, not insured by any government agency, will not be listed on any exchange, and are bail-inable under the Canada Deposit Insurance Corporation Act, meaning they may be converted into common shares or varied or extinguished under Canadian bank resolution powers.
Bank of Montreal is issuing US$141,000 of Senior Medium-Term Notes, Series K, Digital Return Buffer Notes due March 24, 2027, linked to the S&P 500 Index. The notes offer a fixed 10.00% digital return per $1,000 at maturity if the index’s final level is at or above its initial level of 6,834.50. If the index finishes below its initial level but no more than 15% lower, investors receive only their $1,000 principal. If the index falls by more than 15%, repayment is reduced dollar-for-dollar beyond that buffer, with up to an 85.00% loss of principal. The notes pay no interest, are unsecured obligations of Bank of Montreal, are not listed on an exchange, and have an estimated initial value of $988.02 per $1,000, reflecting offering and hedging costs.
Bank of Montreal is offering senior market-linked notes that are auto-callable with contingent coupons, linked to the worst performer of Alphabet Class A (GOOGL) and NVIDIA (NVDA), and maturing on December 31, 2027. Each security has a $1,000 face amount, an original offering price of $1,000, and an estimated initial value on the preliminary date of $964.10, which at pricing will not be less than $920.00 per security.
The notes pay monthly contingent coupons at a rate of at least 13.10% per annum only if, on each calculation day, the lowest performing stock is at or above 60% of its starting value. From June 2026 to November 2027, the notes are automatically called if the lowest performer is at or above its starting value, returning the face amount plus a final coupon.
If not called, investors receive at maturity either the full $1,000 per security if the lowest performer is at or above 50% of its starting value, or a loss proportional to its decline if it falls below that 50% downside threshold, with potential loss of the entire principal. The securities are unsecured obligations of Bank of Montreal and carry credit, market, liquidity and tax risks, and will not be listed on any exchange.