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Bank of Montreal is offering senior medium-term Redeemable Fixed Rate Notes, Series K, due January 2, 2031. Each note has a $1,000 principal amount, pays fixed interest at 4.50% per annum, and returns $1,000 per note at maturity plus any accrued interest, unless redeemed earlier.
Interest is paid in cash semi-annually on January 2 and July 2, starting July 2, 2026. Bank of Montreal may redeem all, but not part, of the notes at 100% of principal plus accrued interest on any January 2 or July 2 from January 2, 2027 through July 2, 2030, which could limit future interest income for holders.
The notes are unsecured obligations of Bank of Montreal, are not insured by any deposit insurance agency, and are bail-inable under the Canada Deposit Insurance Corporation Act, meaning they can be converted into common shares or written down in a resolution scenario. They will not be listed on any securities exchange, and the $1,000 original issue price per note includes a $10 underwriting discount, so resale prices may be lower than the issue price.
Bank of Montreal is offering senior medium-term Redeemable Fixed Rate Notes, Series K, due January 2, 2036, paying a fixed interest rate of 4.95% per year.
Holders receive semi-annual interest in U.S. dollars on January 2 and July 2, starting July 2, 2026, and $1,000 per note at maturity if the notes are not redeemed earlier and Bank of Montreal meets its obligations. The bank may redeem all of the notes at 100% of principal plus accrued interest on specified optional redemption dates semi-annually from January 2, 2028 to June 2, 2035.
The notes are unsecured, will not be listed on any securities exchange, and are not insured by U.S. or Canadian deposit insurance agencies, so they may be hard to sell before maturity. They are bail-inable under the Canada Deposit Insurance Corporation Act, meaning they can be converted into common shares of Bank of Montreal or its affiliates, or varied or extinguished, in a resolution scenario. Per note, the original issue price is $1,000, including a $10 underwriting discount and $990 in proceeds to Bank of Montreal.
Bank of Montreal is offering senior equity-linked notes that pay contingent quarterly coupons and may be automatically called before maturity. Each security has a $1,000 face amount, an original offering price of $1,000, and an estimated initial value of $965.49. The notes are linked to the worst performer among the common stocks of Amazon.com, Emerson Electric and Microsoft.
Investors receive an 11.80% per annum contingent coupon only if, on each calculation day, the lowest performing stock is at or above its coupon threshold, set at 60% of its starting value. The same 60% level acts as a downside threshold at maturity if the notes are not called. If the worst stock ends below that downside threshold, principal is reduced in full proportion to its loss, and investors can lose most or all of their investment.
The notes can be automatically called quarterly from March 2026 through September 2027 if the lowest performing stock is at or above its starting value, returning face amount plus due coupons. The securities are unsecured obligations of Bank of Montreal, subject to its credit risk, will not be listed on any exchange, and have complex tax and risk profiles that differ from conventional bonds.
Bank of Montreal is offering additional MAX Auto Industry -3X Inverse Leveraged ETNs with an aggregate principal amount of $3,750,000. These unsecured notes provide three-times daily inverse exposure to the Prime Auto Industry Index, which tracks U.S.-listed auto manufacturers, parts, retailers, and dealers. Each note has a $25 principal amount, and there were 600,000 notes outstanding as of December 17, 2025, for total principal of $15,000,000.
The ETNs are designed as short-term, daily trading tools for sophisticated investors, not buy-and-hold investments, and can lose all value if the indicative note value hits zero. Returns are reduced by a 0.95% annual Daily Investor Fee, potentially negative Daily Interest tied to the Federal Funds Rate minus up to a 4.00% spread, and a 0.125% redemption fee for holder-initiated redemptions. The notes are callable at the issuer’s option, have a final maturity in 2043 with possible extensions, and are listed on NYSE under ticker CARD.
Bank of Montreal is offering US$6,650,000 of senior medium-term autocallable barrier notes due December 20, 2027, linked to the worst performer of Meta Platforms Class A shares and Snowflake common stock. The notes pay a quarterly coupon of 3.50% (about 14.00% per year), or $175 per $5,000 of principal, so long as they remain outstanding and are not automatically redeemed.
Starting March 17, 2026, if on any observation date both stocks close at or above their respective initial levels, the notes are automatically redeemed early at par plus the coupon. If the notes are not called and, on the valuation date, either stock has fallen below 60.00% of its initial level, investors receive either shares or cash based on the weaker stock, which can be worth less than the principal and may be zero, although the final coupon is still paid. The bank’s estimated initial value is $4,862.80 per $5,000 of principal, reflecting structuring and hedging costs.
Bank of Montreal is issuing US$4,558,000 of Senior Medium-Term Notes, Series K, as autocallable barrier notes due December 20, 2027, linked to the worst performer of AMD and NVIDIA stock. The notes pay coupons at 3.60% per quarter (about 14.40% per year), or $36.00 per $1,000, while outstanding and not automatically redeemed.
Automatic redemption can occur quarterly starting March 17, 2026 if each stock is at or above its initial level, returning principal plus the coupon. If the notes are not called and on the valuation date either stock finishes below its trigger level (50.00% of its initial level: $103.79 for AMD and $88.15 for NVIDIA), investors receive shares or cash tied to the weaker stock, which can be worth substantially less than $1,000. The estimated initial value is $976.61 per $1,000, reflecting fees and hedging costs.
Bank of Montreal is offering US$300,000 of Senior Medium-Term Notes, Series K, in the form of autocallable barrier notes with contingent coupons due December 18, 2028, linked to the least performing of the S&P 500® Index (SPX) and the Russell 2000® Index (RTY). The notes pay a contingent coupon of 0.78% per month (approximately 9.36% per year), or $7.80 per $1,000, only if on each Observation Date both indexes close at or above 80% of their initial levels.
Starting December 15, 2026, the notes are automatically redeemed if on an Observation Date both indexes are at or above 100% of their initial levels, returning principal plus the coupon. If the notes are not called, at maturity investors receive $1,000 per $1,000 note unless any index finishes below 70% of its initial level, in which case repayment is reduced in line with the loss of the worst index and can be zero. The estimated initial value is $981.18 per $1,000, the notes are unsecured obligations of Bank of Montreal, and they involve significant structural, market and tax risks.
Bank of Montreal is issuing US$899,000 of Autocallable Barrier Notes with Memory Coupons due December 18, 2028, linked to Devon Energy Corporation common stock. These senior unsecured medium-term notes pay a contingent coupon of 2.6875% per quarter (approximately 10.75% per year), or $26.875 per $1,000, only if Devon’s share price on an observation date is at or above the coupon barrier of $23.51, which is 65% of the initial level of $36.17. Missed coupons can be paid later if the barrier is met, under the memory feature.
Beginning June 15, 2026, the notes are automatically redeemed if Devon’s stock closes above the 100% call level of the initial price on an observation date, returning principal plus any due coupons. If the notes are not called and Devon’s final level on December 13, 2028 is at or above the $23.51 trigger level, investors receive full principal back plus any due coupons. If the final level is below the trigger, repayment is reduced one-for-one with the stock’s negative performance, and can fall to zero. The estimated initial value is $962.48 per $1,000, below the $1,000 issue price, reflecting fees and hedging.
Bank of Montreal is offering US$7,377,000 of Senior Medium-Term Notes, Series K, which are autocallable barrier notes with contingent coupons due December 18, 2028. The notes are linked to the least performing of the NASDAQ-100 Index, the Russell 2000 Index and the Dow Jones Industrial Average.
Holders may receive a contingent coupon of at least 2.075% per quarter (about 8.30% per year) if on each observation date all three indexes are at or above their coupon barrier levels, set at 70% of their initial levels. Beginning June 15, 2026, the notes will be automatically redeemed if each index is at or above its initial level, returning principal plus the applicable coupon.
If the notes are not called and any index finishes below its 70% trigger level on the valuation date, repayment of principal will be reduced in line with the loss of the worst-performing index, and could fall to zero. The notes are unsecured obligations of Bank of Montreal, with an estimated initial value of $968.82 per $1,000 principal amount on the pricing date.
Bank of Montreal is issuing US$1,187,000 of Senior Medium-Term Notes, Series K, autocallable barrier enhanced return notes due December 20, 2027, linked to the common stock of Antero Resources Corporation. The notes offer 150.00% leveraged upside on any positive stock performance if they are not called early, but they pay no interest and do not guarantee return of principal.
On December 22, 2026, if Antero’s share price is above 85.00% of the $34.85 Initial Level, the notes are automatically redeemed and investors receive principal plus a fixed $200.00 Call Amount per $1,000 note, a return of approximately 20.00% per annum. If the notes are not redeemed and the stock finishes below 70.00% of its Initial Level on the Valuation Date, investors receive shares (or cash) whose value falls 1% for each 1% stock decline, and could lose their entire investment. The notes are unsecured obligations of Bank of Montreal, will not be listed on an exchange, and have an estimated initial value of $972.46 per $1,000.