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Bank of Montreal is issuing US$340,000 of Senior Medium‑Term Notes, Series K, autocallable buffer enhanced return notes due December 27, 2027, linked to the S&P 500® Index. The notes offer 125.00% leveraged upside on any index gain at maturity if they are not called, but pay no interest and can return less than principal.
The notes will be automatically redeemed on December 24, 2026 if the S&P 500® closing level exceeds 100.00% of its initial level of 6,834.50, paying back principal plus a call amount of $96.50 per $1,000 (about 9.65% per annum). If held to maturity and the index is down but not below 90.00% of its initial level, investors receive full principal; below that 10.00% buffer, principal is reduced 1% for each additional 1% decline, up to a 90.00% loss.
The notes are unsecured obligations of Bank of Montreal, are not insured or exchange‑listed, carry credit risk of the issuer, and have an estimated initial value of $985.77 per $1,000, below the 100% public offering price.
Bank of Montreal is issuing $550,000 of Senior Medium-Term Notes, Series K, due June 24, 2027, whose payoff is linked to the least performing of the S&P 500, NASDAQ-100 and Dow Jones Industrial Average. The notes offer 1-to-1 upside to index gains, but returns are capped at a Maximum Redemption Amount of $1,095 per $1,000 principal, equal to a 9.50% maximum total return. If the least performing index is flat or down at maturity, investors receive only their principal back, with no additional gain.
The notes do not pay interest, are unsecured obligations of Bank of Montreal, and are not insured by U.S. or Canadian deposit insurance agencies. The price to the public is 100% of principal, with a 0.375% selling commission and estimated initial value of $986.83 per $1,000, reflecting structuring and hedging costs. The notes are expected to be illiquid, will not be exchange-listed, and expose holders to both market performance of the reference indices and the issuer’s credit risk.
Bank of Montreal is offering US$1,570,000 of Senior Medium-Term Notes, Series K, linked to the S&P 500® Index, maturing January 25, 2027. These notes provide 200% leveraged exposure to any gain in the index, but the maximum payoff for positive performance is $1,106 per $1,000 of principal, a 10.60% cap. If the index finishes below its starting level but no more than 10% lower, holders receive a positive "buffer" return up to $1,100 per $1,000, a 10.00% cap.
If the S&P 500® falls by more than 10% from its initial level, investors lose 1% of principal for each additional 1% decline, and could lose up to 90% of their investment at maturity. 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 $993.54 per $1,000, lower than the $1,000 price to the public, reflecting offering, structuring, and hedging costs.
Bank of Montreal is issuing US$885,000 of Senior Medium-Term Notes, Series K, due December 26, 2028, linked to the least performing of the Russell 2000® Index (RTY) and the S&P 500® Index (SPX). These digital return notes offer a fixed 19.50% Digital Return per $1,000 of principal if, on the valuation date, the worst-performing index is at or above its Digital Barrier Level, set at 100.00% of its Initial Level (2,529.425 for RTY and 6,834.50 for SPX).
If the final level of the least performing index is below its initial level, holders receive only the $1,000 principal per note, with no additional return. The notes pay no periodic 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, with a 0.75% agent’s commission and 99.25% of proceeds to the bank, and the estimated initial value is $982.11 per $1,000. U.S. investors are expected to be taxed under contingent payment debt instrument rules, recognizing ordinary income over the term even though cash is only paid at maturity.
Bank of Montreal is issuing US$1,445,000 of Senior Medium-Term Notes, Series K, Contingent Risk Absolute Return Buffer Notes due December 27, 2027, linked to the S&P 500® Index. The notes offer 300% leveraged exposure to positive index performance, capped at a Maximum Redemption Amount of $1,190 per $1,000 of principal (a 19% maximum gain). If the index finishes below its initial level but at or above the 90% Buffer Level, holders receive a positive “absolute return” up to a Maximum Downside Redemption Amount of $1,100 per $1,000 (10% gain). If the index falls more than 10%, investors lose 1% of principal for each 1% decline beyond the buffer, with losses up to 90% of principal. The notes pay no interest, are unsecured obligations of Bank of Montreal, are not listed on any exchange, and carry its credit risk. The estimated initial value is $986.15 per $1,000 of principal.
Bank of Montreal is offering senior medium‑term fixed rate notes due January 13, 2031. Each Note has a $1,000 principal amount and pays 4.60% per annum, with interest paid semi‑annually on January 13 and July 13, starting July 13, 2026.
The Notes are redeemable at the issuer’s option, in whole but not in part, at 100% of principal plus accrued interest on semi‑annual dates from January 13, 2027 through July 13, 2030. They are unsecured obligations of Bank of Montreal, are not insured by any deposit insurer, 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 common shares of Bank of Montreal or an affiliate, or varied or extinguished, if Canadian bank resolution powers are exercised. An underwriting discount of $10 per Note results in proceeds to Bank of Montreal of $990 per Note.
Bank of Montreal is offering senior unsecured market-linked notes tied to the Class A common stock of Reddit, Inc., with a face amount of $1,000 per security and a stated maturity on December 31, 2026. The notes pay a contingent monthly coupon at a rate of at least 30.50% per annum, but only when Reddit’s closing value on the relevant calculation day is at or above 65% of the starting value; missed coupons can be recovered later through a memory feature if the threshold is subsequently met.
From June to November 2026, the notes are auto-callable if Reddit’s closing value on a calculation day is at or above the starting value, returning principal plus the applicable coupon and any unpaid coupons. If the notes are not called and Reddit’s ending value is at or above 65% of the starting value, investors receive $1,000 per security at maturity; if it is below 65%, the maturity payment is $1,000 multiplied by the performance factor, so investors can lose more than 35% and up to all principal. The estimated initial value is $968.30 per security and will not be less than $920.00 at pricing, reflecting structuring and hedging costs. All payments are subject to Bank of Montreal’s credit risk, and the notes are not insured or listed on any exchange.
Bank of Montreal is offering senior medium-term notes linked to the worst performer among Baidu ADS, Alphabet Class A, and Meta Class A, maturing on December 22, 2028. Each security has a $1,000 face amount and an estimated initial value of $959.47, with an original offering size of $640,000. The notes are unsecured and subject to Bank of Montreal’s credit risk and are not insured by any deposit insurance program.
The notes pay a quarterly contingent coupon at 17.50% per annum only if the lowest-performing stock on each calculation day is at or above 60% of its starting value. A “memory” feature allows missed coupons to be paid later if conditions are met. The notes can be auto‑called from June 2026 through September 2028 if the lowest performer is at or above its starting value, returning principal plus applicable coupons.
If the notes are not called and, on the final calculation day, the lowest performer is at or above 60% of its starting value, investors receive the $1,000 principal. If it is below 60%, repayment is reduced in full proportion to that stock’s loss, leading to losses greater than 40% and potentially the entire principal. Investors do not participate in any stock gains; all upside is limited to contingent coupons, and there is no listing or assured secondary market.
Bank of Montreal is offering senior unsecured market-linked notes with a $1,000 face amount per security, tied to the worst performer among Amazon.com, Salesforce and Shopify shares, and scheduled to mature on January 3, 2029. The notes may be automatically called monthly from March 2026 if the lowest-performing stock is at or above its starting value, in which case investors receive the $1,000 face amount plus the applicable contingent coupons.
Investors can earn monthly contingent coupons at a rate of at least 18.36% per year, but only when the lowest-performing stock closes at or above 60% of its starting value; missed coupons can be recovered later via a “memory” feature. If the notes are not called and, on the final calculation day, the worst stock is below 60% of its starting value, the maturity payout is reduced in line with that stock’s decline, and investors can lose more than 40%, up to their entire principal. The estimated initial value is $964.10 per $1,000 note, not less than $920.00, reflecting structuring and hedging costs.
Bank of Montreal is offering up to $767,000 of senior medium-term notes, Series K, that are equity-linked and tied to the common stock of Super Micro Computer, Inc. The notes have a $1,000 face amount, an estimated initial value of $955.85 per note, and pay a 23.40% per annum contingent coupon only when the stock closes at or above a coupon threshold of $18.666 (60% of the $31.11 starting value) on monthly calculation days. From March 2026 to November 2028, the notes are auto-callable if the stock is at or above the starting value, returning principal plus the due coupons. If not called, and the final stock value on December 19, 2028 is at or above the downside threshold of $18.666, investors receive back the $1,000 face amount; if it is below, repayment is reduced in line with the stock’s decline and investors can lose most or all principal. The notes are unsecured obligations of Bank of Montreal and are not insured by any government agency.