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Bank of Montreal is offering unsecured, S&P 500®-linked notes that pay no interest and are designed to be held to maturity, expected to be 13 to 15 months from the trade date. Each note has a $1,000 principal amount and provides 125% participation in any positive S&P 500® return, capped at a maximum settlement amount expected between $1,111.75 and $1,131.125 per note.
The notes include a 10.00% downside buffer: if the index ends between 90.00% and 100.00% of its initial level, investors receive back principal only. Below 90.00%, investors lose approximately 1.1111% of principal for every 1% the index falls under the buffer, which can result in a full loss. The estimated initial value is expected between $958.20 and $988.20 per $1,000, reflecting offering and hedging costs. The notes will not be listed on any exchange and all payments depend on the credit of Bank of Montreal.
Bank of Montreal is offering senior unsecured market-linked notes due December 22, 2028, whose payments are tied to the worst performer among AbbVie, Amgen and Eli Lilly common stocks. Each $1,000-denomination security is priced at $1,000, with an estimated initial value of $966.50, and is not bail-inable or insured by any deposit insurance scheme.
The notes can pay a monthly contingent coupon at a rate of at least 12.90% per annum if on each calculation day the lowest performing stock is at or above 60% of its starting value, with a memory feature for previously missed coupons. From June 2026 to November 2028, if that lowest stock is at or above its starting value on a calculation day, the notes are automatically called for $1,000 plus the applicable coupons. If not called, at maturity investors receive $1,000 only if the lowest stock is at or above 60% of its starting value; otherwise repayment is reduced in line with that stock’s decline and losses can exceed 40% of principal. Investors do not share in any stock price gains, bear Bank of Montreal credit risk, and face complex U.S. tax treatment, including expected 30% withholding on coupons for many non-U.S. holders. Wells Fargo Securities acts as agent, receiving up to $23.25 per $1,000 security, with $976.75 per security to Bank of Montreal.
Bank of Montreal is offering senior unsecured, equity-linked notes that are auto-callable and pay contingent monthly coupons, each with a $1,000 face amount and an estimated initial value of $965.80 per security (not less than $920.00 at pricing. The notes are linked to the lowest performing of the common stocks of Apollo Global Management, Blackstone and Invesco and mature on December 22, 2028.
Investors may receive a monthly coupon at a rate of at least 14.30% per annum only if the lowest performing stock on each calculation day is at or above 60% of its starting value, with a memory feature that can pay previously missed coupons if conditions are later met. The notes can be automatically called from June 2026 through November 2028 if the lowest performing stock is at or above its starting value, returning principal plus due coupons.
If the notes are not called and the lowest performing stock is below 60% of its starting value at maturity, repayment of principal is reduced one-for-one with the stock’s decline, leading to losses greater than 40% and up to a full loss of principal, while investors do not participate in any stock appreciation.
Bank of Montreal is issuing US$1,295,000 of Senior Medium-Term Notes, Series K Capped Enhanced Return Notes due January 15, 2027, linked to the S&P 500® Index. These notes offer 200% leveraged upside on any index gains, but the payment at maturity is capped at a Maximum Redemption Amount of $1,140 per $1,000 in principal, a 14% maximum return.
If the S&P 500 falls below the Initial Level of 6,886.68, investors lose 1% of principal for each 1% decline and can lose their entire investment. 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 1.93% and proceeds to Bank of Montreal of 98.07%, and the estimated initial value is $979.51 per $1,000.
Bank of Montreal is issuing $7,234,000 of Senior Medium-Term Notes, Series K, redeemable fixed rate notes due December 2, 2030. Each Note has a $1,000 principal amount and pays interest at a fixed 4.30% per annum, with semi-annual payments on June 15 and December 15 starting June 15, 2026.
The Notes are callable by Bank of Montreal at 100% of principal plus accrued interest on optional redemption dates every June 15 and December 15 from December 15, 2026 through June 15, 2030. They are unsecured, bail-inable obligations of Bank of Montreal, subject to Canadian bank resolution powers, and are not insured by any deposit insurance agency.
The Notes will not be listed on any securities exchange. The original issue price is $1,000 per Note, with an underwriting discount of $10 per Note, resulting in total proceeds to Bank of Montreal of $7,161,660 before expenses.
Bank of Montreal is issuing US$1,007,000 of Senior Medium-Term Notes, Series K, maturing on December 13, 2027, linked to the S&P 500® Index. These “Contingent Risk Absolute Return Buffer Notes” provide 1-to-1 upside exposure to the index, capped at a Maximum Redemption Amount of $1,129 per $1,000 note, a 12.90% maximum gain. If the index falls but stays at or above 70% of its Initial Level, investors receive a 50% leveraged positive return on the decline, up to a Maximum Downside Redemption Amount of $1,150 per $1,000 note, a 15.00% gain.
If the index drops more than 30% from its Initial Level, principal is reduced 1% for each additional 1% decline, with up to 70% 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 a 0.50% agent’s commission and estimated initial value of $983 per $1,000 note.
Bank of Montreal is issuing US$663,000 of Senior Medium-Term Notes, Series K, digital return barrier notes maturing January 12, 2027, linked to the S&P 500, Russell 2000 and Dow Jones Industrial Average. These notes pay no interest but can provide a fixed 6.77% digital return at maturity if the least-performing index finishes at or above 65% of its initial level.
If that least-performing index closes below 65% of its initial level on the valuation date, principal is reduced one-for-one with the decline, so investors can lose some or all of their investment. The structure caps upside at the digital return even if the indexes rise substantially.
The notes price at 100% of principal with a 1.93% selling commission, and the estimated initial value is $974.42 per $1,000. They are unsecured, unsubordinated obligations of Bank of Montreal, not listed on any exchange, and are subject to the bank’s credit risk, limited liquidity and complex tax treatment.
Bank of Montreal is issuing $3,000,000 of Senior Medium-Term Notes, Series K, redeemable fixed-rate notes due December 12, 2030. The notes have a principal amount of $1,000 per note and pay interest at 4.40% per annum, with semi-annual payments each June 12 and December 12 starting June 12, 2026.
Bank of Montreal may redeem the notes in whole, but not in part, at 100% of principal plus accrued interest on optional redemption dates every June 12 and December 12 from December 12, 2027 through June 12, 2030. The notes are unsecured, will not be listed on any securities exchange, and are subject to Bank of Montreal’s credit risk.
The notes are bail-inable under the Canada Deposit Insurance Corporation Act, meaning they may be converted into common shares or varied or extinguished in a resolution scenario. They are not insured by U.S. or Canadian deposit insurance schemes. The original issue price is $1,000 per note, with a $5.50 underwriting discount per note, resulting in total net proceeds of $2,985,510 to Bank of Montreal on the $3,000,000 offering.
Bank of Montreal is offering US$1,980,000 of senior medium-term Autocallable Barrier Notes due December 13, 2027, linked to the common stock of lululemon athletica inc. The notes pay contingent monthly coupons at a rate of 0.8667% (approximately 10.40% per year) only if LULU’s closing level on each observation date is at or above the coupon barrier of $109.82, which is 60% of the initial level of $183.04.
Starting March 10, 2026, the notes will be automatically redeemed if LULU closes above the call level of 85% of the initial level on an observation date, returning principal plus the applicable coupon. If the notes are not called and LULU’s final level on December 8, 2027 is at or above the trigger level of $109.82, investors receive full principal back, plus any final coupon. If the final level is below the trigger, repayment is reduced in line with LULU’s percentage loss and can fall to zero.
The notes are unsecured obligations of Bank of Montreal, offer only cash settlement, and are not insured by any deposit insurance agency. The estimated initial value is $957.32 per $1,000 of principal, reflecting structuring and hedging costs.