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Bank of Montreal is offering Accelerated Return Notes linked to the iShares U.S. Aerospace & Defense ETF, giving leveraged exposure to the fund’s performance over roughly 14 months. Each note has a $10 principal amount, a 300% participation rate in positive returns, and a maximum payment of $11.41 per unit, capping gains at 14.10%. If the ETF finishes below its starting level, investors lose principal in line with the ETF’s decline, up to a total loss. The initial estimated value is $9.63 per unit, below the $10 public offering price, reflecting BMO’s internal funding rate, underwriting discount and hedging charges. The notes pay no interest or dividends, are unsecured senior debt subject to BMO’s credit risk, and are not listed on any exchange, so liquidity may be limited.
Bank of Montreal is issuing unsecured notes linked to the S&P 500® Index that pay no interest and are designed to be held to maturity on January 21, 2027. Each note has a $1,000 principal amount and offers 125% participation in S&P 500 gains, but returns are capped at a maximum settlement amount of $1,120 per note once the index reaches 109.60% of its initial level of 6,774.76.
The notes provide a 10% downside buffer: if the index is at or above 90% of its initial level at maturity, investors receive full principal back. Below that buffer, the payout declines and investors lose about 1.1111% of principal for every 1% the index falls below 90%, which can result in a full loss. The notes are not listed on any exchange, carry Bank of Montreal credit risk, and had an estimated initial value of $985.32 per $1,000, below the issue price due to fees and hedging costs.
Bank of Montreal is offering senior unsecured market-linked notes that are auto-callable and pay a contingent coupon of 30.20% per annum, if conditions are met. Each $1,000 security is linked to the lowest performing of Meta Platforms (META), Shopify (SHOP) and Super Micro Computer (SMCI), with monthly observation dates from January 2026 to November 2028 and final maturity on December 21, 2028.
Coupons are paid only if the lowest-performing stock on a calculation day is at least 60% of its starting value; missed coupons can be recovered later via a “memory” feature. The notes are automatically called if, from June 2026 onward, the lowest-performing stock is at or above its starting value on a calculation day. If held to maturity and not called, principal is fully returned only if the lowest-performing stock finishes at or above 60% of its starting value; otherwise repayment is reduced in line with that stock’s decline, and investors can lose most or all of principal. The initial estimated value is $949.98 per $1,000 note, and all payments are subject to Bank of Montreal’s credit risk.
Bank of Montreal is issuing S&P 500® Index-linked notes that pay no interest and are designed to be held to the April 12, 2028 stated maturity date. The notes offer a fixed payout if the index holds up: for each $1,000 note, investors receive a threshold settlement amount of $1,193.40 if the final S&P 500® level is at or above 85.00% of the initial level of 6,774.76. Below that 85.00% threshold (5,758.546), repayment falls sharply, with investors losing approximately 1.1765% of principal for every 1% the index finishes below the threshold, which can result in a total loss of principal. The offering totals $25,493,000.00, carries no underwriting discount, and is an unsecured, unsubordinated obligation of Bank of Montreal, with an initial estimated value of $996.56 per $1,000, no exchange listing, and full exposure to the issuer’s credit risk.
Bank of Montreal is offering US$1,140,000 of senior medium-term Capped Enhanced Return Notes linked to an equally weighted basket of two energy ETFs: Energy Select Sector SPDR Fund (XLE) and VanEck Oil Services ETF (OIH). The notes provide 300% leveraged exposure to any positive basket performance, but the payment at maturity is capped at a Maximum Redemption Amount of $1,310 per $1,000 of principal, equal to a 31.00% maximum return.
If the basket finishes below its initial level of 100.00, 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 only settle in cash at maturity on February 22, 2027. The price to the public is 100% of principal, while the bank’s estimated initial value is $969.32 per $1,000, reflecting embedded costs and hedging.
Bank of Montreal is offering US$1,210,000 of senior autocallable barrier enhanced return notes due December 21, 2028, linked to an equally weighted basket of KKR, Blackstone and Blue Owl Capital Class A shares. The notes offer 150% leveraged upside on any Basket gain at maturity if they have not been called, but pay no interest.
On December 24, 2026, if the Basket level is above 100% of its initial level, the notes are automatically redeemed at $1,000 plus a $217 Call Amount per note, a return of about 21.70% per year, and investors forgo further upside. If held to maturity and the Basket is flat or higher, investors receive principal plus 150% of the Basket’s percentage gain; if it is below but at or above 65% of the initial level, investors receive only principal.
If the Basket ends below the 65% barrier, investors lose 1% of principal for each 1% Basket decline and can lose their entire investment. The notes are unsecured obligations of Bank of Montreal, are not listed on any exchange, and have an estimated initial value of $948.81 per $1,000.
Bank of Montreal is offering $407,000 of senior contingent risk absolute return buffer notes due January 22, 2027, linked to the S&P 500 Index. The notes provide 1-to-1 upside exposure to S&P 500 gains up to a Maximum Redemption Amount of $1,073 per $1,000 (a 7.30% cap). If the index finishes below the Initial Level of 6,721.43 but at or above the Buffer Level of 5,545.18 (a 17.50% decline), investors receive a positive “absolute return” up to a Maximum Downside Redemption Amount of $1,175 per $1,000 (17.50% gain).
If the S&P 500 falls more than 17.50%, the notes lose 1% of principal for each additional 1% decline, with up to 82.50% of principal at risk. The notes pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on any exchange. The price to the public is 100% of principal, with an estimated initial value of $989.45 per $1,000, reflecting offering, structuring and hedging costs.
Bank of Montreal is issuing US$1,400,000 of Senior Medium-Term Notes, Series K, Capped Enhanced Return Notes due February 22, 2027, linked to the iShares MSCI EAFE ETF. The notes offer 300% leveraged upside on any gain in the ETF, but returns are capped at a 17.20% maximum, paying no more than $1,172 per $1,000 of principal at maturity.
If the ETF ends below its initial level of $94.15, 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, and will not be listed on an exchange. The price to the public is 100% of principal, with a 2.35% selling commission and 97.65% of proceeds to Bank of Montreal, and the estimated initial value is $984.57 per $1,000.
Bank of Montreal is offering US$1,651,000 of senior medium-term Autocallable Barrier Enhanced Return Notes due December 24, 2029, linked to the worst performer of the NASDAQ-100 Index and the S&P 500 Index. The notes offer 150% leveraged upside on any gain of the least performing index if they are not called early, but pay no interest and put principal at risk.
On December 22, 2026, if both indexes close at or above 100% of their initial levels, the notes are automatically redeemed and pay back principal plus a US$150 Call Amount per US$1,000, a return of about 15% per year. If held to maturity and the least performing index is at or above its initial level, investors receive principal plus 150% of that index’s percentage gain; if it is below its initial level but at or above 80%, only principal is returned.
If the least performing index finishes below 80% of its initial level, repayment is reduced 1% for each 1% decline, down to a total loss of principal. The notes are unsecured obligations of Bank of Montreal, are not insured, will not be listed on an exchange, and had an estimated initial value of US$978.60 per US$1,000, below the public offering price due to embedded costs and dealer compensation.
Bank of Montreal is issuing US$1,372,000 of senior barrier notes with contingent coupons maturing December 22, 2027. These unsecured notes are linked to the worst performer among the Nasdaq-100 Technology Sector Index, the Russell 2000® Index and the S&P 500® Index.
The notes pay a monthly contingent coupon of 0.775% (about 9.30% per year), or $7.75 per $1,000, only if on each observation date all three indices close at or above their coupon barrier levels, set at 70% of their initial levels. Coupons can be skipped if any index falls below its barrier.
At maturity, holders receive $1,000 per $1,000 of principal if no trigger event occurs. A trigger event happens if, on the valuation date, the final level of any index is below its 70% trigger level. In that case, repayment is reduced to $1,000 plus $1,000 times the percentage change of the worst-performing index, which can result in a substantial loss of principal, including a zero payment. The estimated initial value is $972.40 per $1,000.