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Bank of Montreal is offering US$1,092,000 of senior medium‑term “Capped Buffer Enhanced Return Notes” linked to the NASDAQ‑100 Index, maturing on January 25, 2027. The notes provide 200% leveraged upside on index gains, but total payoff is capped at a Maximum Redemption Amount of $1,086 per $1,000 in principal (an 8.60% maximum return). If the index falls up to 15% from the Initial Level of 25,019.37, investors receive their $1,000 principal back, but below that buffer they lose 1% of principal for each additional 1% decline, for a potential loss of up to 85%. The notes pay no interest, are unsecured and not exchange‑listed, and all payments depend on Bank of Montreal’s credit. The bank’s estimated initial value is $972.60 per $1,000, reflecting embedded costs and hedging.
Bank of Montreal is offering Accelerated Return Notes linked to the Energy Select Sector SPDR Fund (XLE), maturing February 26, 2027. Each note has a $10 principal amount and provides 300% leveraged upside if the fund’s Ending Value is above the Starting Value of $44.13, but returns are capped at a Redemption Amount of $12.54 per unit, a 25.40% maximum gain.
If the Ending Value is equal to the Starting Value, investors receive only the $10 principal. If the Ending Value is below the Starting Value, principal is reduced on a 1-to-1 basis and can fall to zero. The notes pay no interest or dividends and are unsecured senior debt of BMO, fully exposed to the bank’s credit risk. The offering price is $10 per unit, while BMO’s initial estimated value is $9.68, reflecting underwriting discounts, a $0.05 per-unit hedging charge and BMO’s internal funding rate.
Bank of Montreal is offering US$875,000 of Senior Medium-Term Notes, Series K, structured as autocallable barrier notes with contingent coupons linked to the Class A common stock of Meta Platforms, Inc. The notes pay a contingent coupon of 2.50% per quarter (about 10.00% per year), or $25 per $1,000, only if Meta’s closing share price on an observation date is at or above a coupon barrier of $398.67, which is 60.00% of the $664.45 initial level. Starting March 23, 2026, the notes will be automatically redeemed if Meta closes above the 100% call level, returning principal plus any due coupon. If not called, and Meta stays at or above the $398.67 trigger on the valuation date, investors receive full principal back; if it finishes below that trigger, principal is reduced in line with Meta’s loss and can fall to zero. The estimated initial value is $968.18 per $1,000, and payments are made only in cash, not Meta shares.
Bank of Montreal is issuing $1,095,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes with contingent coupons due December 26, 2028, linked to the common stock of Amazon.com, Inc.
The notes pay a contingent coupon of 2.275% per quarter (about 9.10% per year), or $22.75 per $1,000, only if Amazon’s closing level on an observation date is at or above the coupon barrier of $136.06, which is 60% of the initial level of $226.76. Starting March 23, 2026, if Amazon closes above its initial level on an observation date, the notes are automatically redeemed at par plus the applicable coupon.
If the notes are not called, investors receive $1,000 per note at maturity only if Amazon’s final level is at or above the trigger level of $136.06. If the final level is below the trigger, repayment is reduced in line with Amazon’s negative performance and can fall to zero. The estimated initial value is $967.22 per $1,000, reflecting fees and hedging costs. The notes are unsecured obligations of Bank of Montreal and are not insured by any government agency.
Bank of Montreal is offering US$1,161,000 of Senior Medium-Term Notes, Series K, in the form of Autocallable Barrier Notes with Memory Coupons due December 26, 2028. The notes are linked to the least performing of Apple, Amazon.com and NVIDIA common stock and pay a contingent coupon of 5.0625% per quarter (about 20.25% per year) only if each stock is at or above its coupon barrier, set at 70% of its initial level.
The notes may be automatically redeemed beginning in March 2026 if each stock is at or above its initial level on an observation date, in which case investors receive principal plus any due coupons. If the notes are not called and any stock finishes below its 70% trigger level at maturity, investors receive shares (or cash) of the worst-performing stock worth less than the principal, and the investment could lose all value. The estimated initial value is $965.22 per $1,000, and the notes are unsecured and not insured by any deposit insurance agency.
Bank of Montreal is issuing US$1,278,000 of Senior Medium-Term Notes, Series K, in the form of Autocallable Barrier Notes with Contingent Coupons due January 25, 2027, linked to the common stock of Chevron Corporation.
The notes pay a contingent coupon of 0.7625% per month (about 9.15% per year), or $7.625 per $1,000, only if Chevron’s closing level on an Observation Date is at or above the coupon barrier of $118.15, which is 80% of the $147.69 initial level. Beginning June 22, 2026, the notes are automatically redeemed if Chevron’s level is at or above the initial level, returning principal plus the applicable coupon.
If the notes are not called and Chevron’s final level on January 20, 2027 is below the $118.15 trigger, investors receive Chevron shares (or cash) worth less than the $1,000 principal, and this amount can be zero. The estimated initial value is $970.48 per $1,000, reflecting hedging costs, commissions and the issuer’s pricing models.
Bank of Montreal is offering US$2,162,000 of senior medium-term Autocallable Buffer Notes with Contingent Coupons due January 25, 2027, linked to Spotify Technology S.A. shares. The notes pay a contingent coupon of 0.6958% per month (about 8.35% per year), or $6.958 per $1,000, but only if on each monthly Observation Date the Spotify share price is at or above a Coupon Barrier Level of $422.87, which is 75% of the Initial Level of $563.82.
Beginning June 22, 2026, if Spotify’s share price on an Observation Date is at or above the 100% Call Level, the notes are automatically redeemed at par plus the applicable coupon, ending further payments. At maturity, if the notes have not been called and Spotify has not fallen more than 25% from the Initial Level (its Final Level is at or above the $422.87 Buffer Level), investors receive full principal back plus any final coupon. If the Final Level is below the Buffer Level, repayment is in shares or cash based on the share performance, and investors can lose up to 75% of principal.
The estimated initial value of the notes is $970.79 per $1,000 of principal, reflecting structuring and hedging costs. The notes are unsecured obligations of Bank of Montreal, are not insured by any government agency, and involve significant risks highlighted in the risk factor sections.
Bank of Montreal is issuing US$3,000,000 of senior medium-term Autocallable Barrier Notes linked to Apple Inc. common stock, due December 26, 2028. The notes pay a contingent coupon of 1.7875% per quarter (approximately 7.15% per annum) if Apple’s closing level on an Observation Date is at or above the Coupon Barrier Level of $190.53, which is 70.00% of the Initial Level of $272.19.
Beginning March 23, 2026, the notes are automatically redeemed if Apple closes above the Initial Level on an Observation Date, returning principal plus the applicable coupon. If the notes are not called and Apple’s Final Level is below the Trigger Level of $190.53, investors lose principal in line with Apple’s negative performance, potentially down to zero. The estimated initial value is $968.29 per $1,000 principal, reflecting structuring and hedging costs, and the notes are unsecured obligations of Bank of Montreal.
Bank of Montreal is offering US$531,000 of senior medium-term barrier notes linked to the Russell 2000® Index and the S&P 500® Index, maturing on January 25, 2027. The notes pay a contingent coupon of 0.6375% per month (about 7.65% per year), or $6.375 per $1,000, only if on each observation date both indexes are at or above 80% of their initial levels.
At maturity, investors receive $1,000 per $1,000 in principal unless any index closes below its 80% trigger level, in which case repayment is reduced in line with the loss of the worst-performing index and can be zero. The notes are unsecured obligations of Bank of Montreal, not insured deposits, and have an estimated initial value of $966.10 per $1,000, reflecting fees, hedging and funding costs.
Bank of Montreal is issuing US$998,000 of senior medium-term autocallable barrier notes due March 23, 2027, linked to the least performing of the S&P 500 Index and the Russell 2000 Index.
The notes pay a contingent coupon of 0.6292% per month (about 7.55% per year), or $6.292 per $1,000, only if on each observation date both indices close at or above 80% of their initial levels. Starting June 17, 2026, the notes are automatically redeemed if both indices are at or above their initial levels, returning principal plus the due coupon.
If the notes are not redeemed and either index finishes below its 80% trigger level on the valuation date, investors lose principal in line with the decline of the worst-performing index, potentially down to zero. The estimated initial value is $967.83 per $1,000, reflecting hedging and issuance costs.