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Bank of Montreal is issuing US$1,442,000 of Senior Medium-Term Notes, Series K, as autocallable barrier notes linked to the common stock of PVH Corp., maturing on December 22, 2027. The notes pay a contingent coupon of 3.00% per quarter (about 12.00% per year), or $30.00 per $1,000, only if PVH’s closing level on an observation date is at or above the coupon barrier of $43.03, which is 60% of the initial level of $71.72.
Starting June 17, 2026, the notes are automatically redeemed if PVH closes above its initial level, returning principal plus the applicable coupon. If the notes are not called and PVH’s final level on December 17, 2027 is below the trigger level of $43.03, investors receive shares (or cash equivalent) worth less than the principal, potentially losing their entire investment. The estimated initial value is $955.90 per $1,000, below the issue price, reflecting fees and hedging costs.
Bank of Montreal is offering unsecured, structured notes linked to the VanEck Gold Miners ETF. The notes do not pay interest and are designed to be held to maturity, with a term expected between 13 and 15 months.
At maturity, for each $1,000 note you receive: 200% of the ETF’s positive return, capped at a maximum settlement amount expected between $1,370.60 and $1,434.80; return of principal if the ETF has fallen by up to 10.00%; or a loss of about 1.1111% of principal for every 1% the ETF ends below 90% of its initial level, which can result in losing all principal.
The estimated initial value is expected between $958.20 and $988.20 per $1,000 note, lower than the issue price due to fees and hedging costs. The notes are not listed on an exchange, involve credit risk of Bank of Montreal, and are exposed to risks of gold and silver mining stocks, non-U.S. and emerging markets, currency movements, and uncertain U.S. tax treatment.
Bank of Montreal is offering unsecured, index-linked notes whose payoff depends on the performance of the Nasdaq-100 Index® over a term expected to be 15–17 months. The notes pay no interest and are designed to be held to maturity, with no listing on any securities exchange.
At maturity, for each $1,000 note, investors receive a fixed threshold settlement amount, expected between $1,107.20 and $1,125.70, if the index’s final level is at least 90.00% of its initial level. If the final level falls below this 90% threshold, the payoff is reduced so that investors lose about 1.1111% of principal for every 1% the index ends below the threshold, with the potential to lose all principal.
The estimated initial value of each note on the trade date is expected between $956.50 and $986.50, below the $1,000 issue price, reflecting structuring, hedging costs and dealer compensation, including an underwriting discount of $12.50 per note.
Bank of Montreal is offering senior unsecured market-linked notes tied to the common stock of Netflix, Inc., with a scheduled maturity on January 3, 2029. Each security has a $1,000 face amount and original offering price, with an estimated initial value of $963.50 per security on the preliminary date and not less than $920.00 at pricing.
The notes pay a contingent monthly coupon at a rate of at least 11.50% per annum, but only when Netflix’s closing value on the relevant calculation day is at or above a coupon threshold set at 70% of the starting value. Beginning in March 2026, the notes are auto-callable if Netflix closes at or above the starting value on any calculation day, paying back face amount plus the applicable coupon.
If the notes are not called and Netflix’s ending value on the final calculation day is below the downside threshold of 70% of the starting value, repayment of principal is reduced in proportion to the decline, and holders can lose more than 30%, up to their entire principal. Investors do not participate in any upside of the stock beyond receiving contingent coupons. All payments depend on the credit of Bank of Montreal, and the notes will not be listed on any securities exchange.
Bank of Montreal is offering unsecured senior market-linked notes tied to the worst performer of Datadog Class A, Intel, and Micron common stock, with a $1,000 face amount per security and an estimated initial value of $953.10 (not less than $920.00) on the pricing date. Investors may receive a high contingent coupon rate of at least 23.75% per annum, paid monthly if the lowest-performing stock on each calculation day closes at or above 55% of its starting value, with a memory feature that can restore previously missed coupons.
The notes are auto-callable from June 2026 to November 2028 if the lowest-performing stock is at or above its starting value, returning principal plus applicable coupons. If held to December 2028 and not called, principal is fully returned only if the lowest-performing stock is at or above 55% of its starting value; below this level, repayment is reduced one-for-one with that stock’s decline and can result in a loss of most or all principal. The securities are not listed, carry Bank of Montreal credit risk, include an agent discount of $23.25 per security, and feature complex, uncertain U.S. tax treatment with potential 30% withholding on coupons for non-U.S. holders.
Bank of Montreal is issuing $6,194,000 of Senior Medium-Term Notes, Series K, redeemable fixed rate notes due December 22, 2028. The notes pay interest at a fixed rate of 4.15% per annum, with semi-annual payments on June 22 and December 22, starting June 22, 2026. Each note has a $1,000 principal amount, with holders receiving $1,000 per note at maturity plus accrued interest, unless the notes are redeemed earlier.
Bank of Montreal may redeem all of the notes at 100% of principal plus accrued interest on specified optional redemption dates every June 22 and December 22 from December 22, 2026 through June 22, 2028. The notes are unsecured, bail-inable obligations of Bank of Montreal and are subject to Canadian bank resolution powers, including potential conversion into common shares. They will not be listed on any securities exchange. The original issue price is $1,000 per note, including a $3.50 underwriting discount, resulting in proceeds to Bank of Montreal of $996.50 per note, or $6,179,382.16 in total.
Bank of Montreal is offering unsecured, structured notes linked to the MSCI EAFE Index® with a term expected to be between 21 and 24 months. The notes pay no interest and are designed to be held to maturity.
At maturity, for each $1,000 note, investors receive 160% of the index gain if the index rises, but returns are capped, with the maximum settlement amount expected to be between $1,214.40 and $1,252.16. If the index falls by up to 12.50%, investors receive back the $1,000 principal. If it falls more than 12.50%, the payoff declines, with investors losing about 1.1429% of principal for every 1% the index ends below 87.50% of its initial level, and some or all principal can be lost.
The notes will not be listed on any exchange and all payments depend on Bank of Montreal’s credit. The estimated initial value is expected to range from $969.00 to $999.00 per $1,000 note, below the issue price, and the offering carries complex U.S. and Canadian tax considerations and multiple market, currency and liquidity risks.
Bank of Montreal is offering S&P 500® Index-linked notes with a total original issue price of $7,486,000, priced at $1,000 per note, maturing on March 15, 2028. The notes pay no interest and the cash payment at maturity depends on the S&P 500® performance from the December 17, 2025 trade date to the March 13, 2028 determination date.
If the final index level is at least 85.00% of the initial level of 6,721.43, investors receive a fixed threshold settlement amount of $1,187.10 per $1,000 note. If the index finishes below the 85.00% threshold, the repayment of principal is reduced by about 1.1765% for every 1% decline below that threshold, so some or all principal can be lost. The notes are unsecured obligations of Bank of Montreal, are not insured by any deposit insurer, will not be listed on an exchange, and have an estimated initial value of $994.75 per $1,000, reflecting offering and hedging costs.
Bank of Montreal is offering senior medium-term notes linked to the Nasdaq-100® Technology Sector Index℠, maturing on June 23, 2028. Each security has a $1,000 face amount and an original offering price of $1,000, with an estimated initial value of $950.62 per security, reflecting embedded fees and hedging costs.
At maturity, investors get $1,000 plus leveraged upside if the index rises, with a 125% upside participation rate, but gains are capped at a maximum 17.50% return, or $1,175 per security. If the index is flat or down but not below the threshold value of 63% of the starting level, investors receive their $1,000 back. Below that threshold, losses are buffered only for the first 37% decline and then match further index losses, so investors can lose up to 63% of principal.
The notes pay no interest, are unsecured obligations of Bank of Montreal, and are not insured or bail-inable. They will not be listed on any exchange, and any secondary market is expected to be limited. The underlying index is concentrated in technology stocks, adding sector and non-U.S. issuer risk. The U.S. federal income tax treatment is uncertain and may be challenged by the IRS.
Bank of Montreal is issuing complex, auto-callable senior medium-term notes linked to the lowest performer of the Dow Jones Industrial Average, the iShares Russell 2000 ETF and the Invesco S&P 500 Equal Weight ETF, maturing on December 22, 2031. Each security has a $1,000 face amount and original offering price, with an estimated initial value of $992.56. The total offering is $11,000,000, with proceeds to Bank of Montreal of $10,989,000 after agent discounts.
The notes may be automatically called on scheduled dates if the lowest performing underlier is at or above 90% of its starting value, paying back principal plus a call premium that steps from 10% to 60%. If never called, investors receive $1,000 at maturity only if the worst underlier is at or above 75% of its starting value; otherwise repayment is reduced in line with that underlier’s loss, and principal losses can exceed 25% and reach 100%. The securities pay no interest, do not participate in dividends, are unsecured obligations of Bank of Montreal, are not insured by any deposit insurer, and involve complex, uncertain U.S. tax treatment.