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Bank of Montreal is offering senior unsecured, equity-linked medium‑term notes that are auto‑callable and pay a 12.90% per annum contingent coupon, with a memory feature, based on the worst performer of AbbVie, Amgen and Eli Lilly common stocks. The original offering price is $1,000 per security, for a total of $749,000, with an agent discount of $23.25 per security and proceeds to Bank of Montreal of $976.75 per security.
Coupons are paid monthly only if the lowest performing stock on the calculation day is at or above 60% of its starting value; missed coupons can be paid later if the trigger is met. The notes may be automatically called from June 2026 to November 2028 if the worst stock is at or above its starting value, returning face amount plus due coupons. If not called, investors receive $1,000 at maturity only if the worst stock is at or above its downside threshold; otherwise, repayment is reduced in line with that stock’s decline, with potential loss of most or all principal. The estimated initial value is $957.95 per security, and all payments are subject to Bank of Montreal’s credit risk and are not insured.
Bank of Montreal is offering unsecured, S&P 500® Index-linked notes that pay no interest and are designed to be held to maturity on March 22, 2028. Each note has a $1,000 principal amount and total offering proceeds of $14,756,000.
If the S&P 500 final level is above the initial level of 6,834.50, investors receive 150% of the index’s gain, but the payout is capped at a maximum settlement amount of $1,271.20 per note, reached when the index is at or above 118.08% of its initial level. If the index ends between 85% and 100% of its initial level, investors simply receive their $1,000 principal back.
Below the buffer level of 85.00% of the initial index level, principal is reduced at a buffer rate of approximately 117.65% of the index loss beyond the buffer, so investors can lose some or all of their capital. The estimated initial value is $996.45 per $1,000 note, the notes will not be listed on any exchange, and all payments are subject to the credit risk of Bank of Montreal and complex tax treatment.
Bank of Montreal is offering senior market-linked notes tied to the worst performer of the Nasdaq-100 Index® and the S&P 500® Index, with a face amount and original offering price of $1,000 per security. The notes may be automatically called on January 4, 2027 if the lowest performing index is at or above its starting value, in which case holders receive $1,000 plus a call premium of at least 11.35% and the notes terminate early.
If not called, the notes mature on January 3, 2028. At maturity, if the lowest performing index is above its starting value, investors receive $1,000 plus 100% of that index’s gain. If it is between 90% and 100% of its starting value, investors receive $1,000. Below 90%, principal is reduced 1-for-1 beyond the 10% buffer, for a potential loss of up to 90% of face amount. The notes pay no interest, have an estimated initial value of $968.10 (not less than $920.00 at pricing), are unsecured, and expose holders to Bank of Montreal credit risk.
Bank of Montreal is issuing US$600,000 of Series K senior medium-term barrier notes due December 26, 2028, linked to the worst performer of Invesco QQQ Trust and SPDR S&P 500 ETF. The notes pay monthly coupons at 0.525% (about 6.30% per year), or $26.25 per $5,000 of principal, regardless of reference asset performance. At maturity, investors receive the full $5,000 principal per note unless any reference asset finishes below 70% of its initial level. If that trigger is breached, repayment is in shares of the worst-performing ETF (or equivalent cash), which can be worth less than principal and may be zero. The notes are unsecured obligations of Bank of Montreal, not insured deposits, and their estimated initial value is $4,866.10 per $5,000.
Bank of Montreal is issuing US$1,656,000 of Senior Medium-Term Notes, Series K, Digital Return Barrier Notes due January 25, 2027, linked to the worst performer of the S&P 500® and Russell 2000® indices. The notes offer a fixed 10.40% digital return per $1,000 if the least performing index finishes at or above its initial level on the valuation date. If that index finishes below its initial level but at or above 70% of its initial level, investors receive only their principal back. If it falls more than 30% below its initial level, repayment is reduced 1% for each 1% decline, with the potential loss of the entire principal. The notes pay no periodic interest, are unsecured obligations subject to Bank of Montreal credit risk, and are not listed on any exchange.
Bank of Montreal is offering US$901,000 of senior Medium-Term Notes, Series K, autocallable barrier enhanced return notes due December 26, 2028, linked to the least performing of the Dow Jones Industrial Average, Russell 2000 Index and S&P 500 Index. The notes offer 200% leveraged upside on any gain in the worst-performing index if they are not called and that index finishes at or above its initial level. Beginning December 23, 2026, the notes are automatically redeemed if all three indexes close above their initial levels, paying principal plus a call amount that equates to roughly 10.5% per year. If the notes are not called and the least performing index falls more than 30% from its initial level, investors lose 1% of principal for each 1% decline and can lose their entire investment. The notes pay no interest, are unsecured obligations of Bank of Montreal, will not be listed on an exchange, and had an estimated initial value of $945.13 per $1,000 on the pricing date.
Bank of Montreal is offering US$2,901,000 of Senior Medium-Term Notes, Series K, Digital Return Barrier Notes due January 22, 2027, linked to the common stock of Caesars Entertainment, Inc. The notes offer a fixed 15.26% digital return at maturity per $1,000 principal if the final stock level is at or above 50.00% of the initial level of $23.98. If the stock falls by more than 50.00% from that initial level, investors are exposed to 1-for-1 downside and will receive either shares equal to $1,000 divided by the initial level or the cash equivalent, which may result in a substantial or total loss of principal. The notes pay no interest, are unsecured obligations subject to Bank of Montreal’s credit risk, will not be listed on any exchange, and had an estimated initial value of $972.33 per $1,000 at pricing, below the 100% public offering price.
Bank of Montreal is issuing US$1,387,000 of senior medium-term Autocallable Barrier Notes due December 26, 2028, linked to the least performing of Apple, Amazon.com and NVIDIA common stock. The notes pay a contingent coupon of 4.55% per quarter (about 18.20% per year) only if on each observation date all three stocks close at or above their coupon barrier levels, set at 65% of their initial levels. Missed coupons can be paid later under the memory coupon feature if the barriers are later met.
Beginning March 23, 2026, the notes will be automatically redeemed if each stock is at or above its initial level, returning principal plus any due coupons. If not called, at maturity investors get full principal back only if no trigger event occurs; a trigger happens if any stock finishes below 65% of its initial level. In that case, investors receive shares (or cash based on shares) of the worst-performing stock, which can be worth substantially less than principal. The estimated initial value is $963.89 per $1,000.
Bank of Montreal is issuing US$3,500,000 of Senior Medium-Term Notes, Series K, structured as autocallable barrier notes with contingent coupons due December 26, 2028, linked to the common stock of Citigroup Inc.
The notes pay a contingent coupon of 2.0875% per quarter (about 8.35% per year), or $20.875 per $1,000, only if Citigroup’s stock closes on each observation date at or above the coupon barrier of $67.70, which is 60% of the initial level of $112.83. Starting March 23, 2026, if the stock closes above the initial level on an observation date, the notes are automatically redeemed at par plus the applicable coupon.
If the notes are not called and Citigroup’s final stock level on the valuation date is at or above the $67.70 trigger level, investors receive their $1,000 principal back per note. If the final level is below the trigger, repayment is reduced in line with the stock’s percentage loss and can fall to zero. The estimated initial value is $966.65 per $1,000, reflecting structuring and hedging costs.
Bank of Montreal is issuing US$2,626,000 of Senior Medium-Term Notes, Series K, Capped Buffer Enhanced Return Notes due June 23, 2027, linked to the S&P 500 Index. The notes offer 150% leveraged upside on any S&P 500 gain, but the payoff is capped at a Maximum Redemption Amount of $1,092 per $1,000 in principal (a 9.20% maximum return). If the index falls up to 20% from the Initial Level of 6,774.76, investors receive only their $1,000 principal at maturity. If it falls more than 20%, investors lose 1% of principal for each additional 1% decline, up to an 80% loss. The notes pay no interest, are unsecured obligations subject to Bank of Montreal’s credit risk, and will not be listed on any exchange. The price to the public is 100% of principal, with an agent’s commission of approximately 2.0786%, and an estimated initial value of $970.15 per $1,000.