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Bank of Montreal is offering Accelerated Return Notes® linked to the common stock of Apple Inc., maturing in February 2027. Each note has a $10 principal amount and provides a 300% participation rate in any positive price change of Apple shares from the pricing date to the calculation day, subject to a Capped Value between $11.80 and $12.20 per unit (an 18% to 22% maximum return over principal, set on the pricing date).
If the Ending Value of Apple stock is at or below the Starting Value, investors receive less than their principal and can lose their entire investment. The notes are senior unsecured debt of BMO, not insured by the CDIC or FDIC, and all payments depend on BMO’s credit. The initial estimated value is expected to range from $9.00 to $9.47 per unit, below the $10.00 public offering price, reflecting BMO’s internal funding rate, a $0.175 per-unit underwriting discount and a $0.05 per-unit hedging-related charge. The notes will not be listed on any securities exchange and are initially sold in minimum denominations of 100 units.
Bank of Montreal is offering senior medium-term Redeemable Fixed Rate Notes due December 18, 2028. Each Note has a $1,000 principal amount and pays a fixed interest rate of 4.10% per annum, with interest paid semi-annually on June 18 and December 18, starting June 18, 2026.
The Notes can be redeemed by Bank of Montreal, in whole but not in part, at 100% of principal plus accrued interest on optional redemption dates every June 18 and December 18 from December 18, 2026 through June 18, 2028. They are unsecured obligations of Bank of Montreal and are not insured by U.S. or Canadian deposit insurance agencies, so repayment depends on the bank’s creditworthiness.
The Notes are designated as bail-inable, meaning they may be converted into common shares of Bank of Montreal or its affiliates, or varied or extinguished, under Canadian bank resolution powers in a bail-in scenario. The Notes will not be listed on any securities exchange. The original issue price per Note is $1,000, including a $10 underwriting discount, resulting in $990 in proceeds to Bank of Montreal per Note.
Bank of Montreal is issuing $1,738,000 of Senior Medium-Term Notes, Series K, market-linked to the S&P 500® Index and maturing on December 3, 2030. For each $1,000 invested, holders get the full principal back at maturity if the index is flat or down, and a 1-to-1 upside participation if the index rises, capped at a Maximum Redemption Amount of $1,422.50, representing a 42.25% maximum return.
The notes pay no interest, are not listed on any exchange, and all payments depend on the creditworthiness of Bank of Montreal. The initial estimated value is $977.83 per $1,000, below the price to the public, reflecting offering, hedging and distribution costs, including a 0.25% agent commission and up to 0.75% referral fees. For U.S. tax purposes, the notes are expected to be treated as contingent payment debt instruments, meaning investors may recognize taxable income each year even though cash is only received at maturity.
Bank of Montreal is issuing US$993,000 of Senior Medium-Term Notes, Series K, Digital Return Barrier Notes due December 31, 2026, linked to the least performing of the S&P 500 Index and the Russell 2000 Index. The notes offer a fixed 10.20% digital return per $1,000 principal if the final level of the worst-performing index is at or above its initial level on the valuation date. If the worst-performing index finishes below its initial level but at or above 70% of that level, investors simply receive their $1,000 principal back.
If the worst-performing index closes below 70% of its initial level, repayment is reduced 1% for each 1% decline, with losses up to 100% of principal. The notes pay no periodic 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 1.93% selling commission, and the bank’s estimated initial value is $958.54 per $1,000.
Bank of Montreal is issuing US$2,647,000 of Senior Medium-Term Notes, Series K, Autocallable Barrier Enhanced Return Notes due November 30, 2028, linked to the least performing of the Dow Jones Industrial Average, Russell 2000 and S&P 500.
Beginning December 1, 2026, if on any Observation Date each index closes at or above its Initial Level, the notes are automatically redeemed at par plus a fixed Call Amount, equating to a return of about 10.25% per year.
If not called, investors get 200% of any positive performance of the worst-performing index at maturity. Principal is protected only down to a 30% decline; below that, losses match the index loss and can reach 100% of principal. The notes pay no interest, are unsecured and unlisted, and the estimated initial value is $936.03 per $1,000 face amount, below the issue price.
Bank of Montreal is offering US$3,830,000 of senior medium-term Autocallable Barrier Enhanced Return Notes due November 30, 2028, linked to the S&P 500® Index. These notes pay no interest and are unsecured obligations of Bank of Montreal, exposed to its credit risk and not insured by U.S. or Canadian deposit insurance schemes.
The notes may be automatically redeemed on December 1, 2026 if the S&P 500 closes above 100% of its Initial Level, returning principal plus a $74 per $1,000 Call Amount, equivalent to approximately 7.40% per annum. If not called, at maturity investors receive 1‑to‑1 upside on any index gain; full principal back if the index ends between 75% and 100% of its Initial Level; and a loss of 1% of principal for each 1% index decline below the 75% barrier, up to total loss.
The price to the public is 100% of principal, with an agent’s commission of approximately 3.1984%, resulting in proceeds to Bank of Montreal of about 96.8016% of the offering amount. The issuer’s estimated initial value is $948.75 per $1,000, reflecting offering, structuring and hedging costs, and the notes are not expected to be listed on any securities exchange, highlighting liquidity risk.
Bank of Montreal is issuing $1,537,000 of Senior Medium-Term Notes, Series K, in the form of autocallable barrier notes with contingent coupons 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 0.6167% per month (about 7.40% per year) only if, on each observation date, both indexes are at or above 80% of their initial levels.
Beginning May 26, 2026, the notes will be automatically redeemed if both indexes are at or above 100% of their initial levels, returning principal plus that period’s coupon. If the notes are not called and, at maturity, either index has fallen below its 80% trigger level, investors lose principal in line with the decline of the worst-performing index, up to a total loss. The estimated initial value is $959.80 per $1,000, below the price to the public, and the notes are unsecured obligations of Bank of Montreal with no FDIC or CDIC insurance.
Bank of Montreal is offering US$5,000 of Senior Medium-Term Notes, Series K, in the form of autocallable barrier notes linked to Advanced Micro Devices, Inc. common stock. The notes pay a contingent coupon of 1.6667% per month (approximately 20.00% per annum) for each Observation Date on which AMD’s closing level is at or above the Coupon Barrier Level of $150.54, which is 70.00% of the Initial Level of $215.05.
Starting February 24, 2026, the notes are automatically redeemed if AMD closes above the Initial Level on an Observation Date, returning principal plus the applicable coupon. If the notes are not called and AMD’s Final Level is at or above the Trigger Level of $150.54, investors receive full principal back at maturity. If a Trigger Event occurs (Final Level below the Trigger Level), investors receive shares of AMD (or cash) equal to the defined Physical or Cash Delivery Amount, which may be worth significantly less than principal and can be zero.
The notes are unsecured obligations of Bank of Montreal, are not FDIC or CDIC insured, and have an estimated initial value of $958.53 per $1,000 principal on the pricing date. U.S. investors are expected to treat the notes as pre-paid contingent income-bearing derivative contracts for federal tax purposes, and the notes feature dealer commissions, potential market-making by BMOCM, and a temporary one-month upward pricing adjustment after issuance.
Bank of Montreal is issuing US$443,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes with contingent coupons due May 29, 2026, linked to the common stock of Moderna, Inc. (MRNA). The notes are priced at 100% of principal, with a 1.00% agent’s commission and estimated initial value of $967.09 per $1,000 in principal amount.
Investors may receive a 2.50% monthly contingent coupon (about 30.00% per year) if on each Observation Date Moderna’s share price is at or above the $15.70 Coupon Barrier, which is 65.00% of the $24.15 Initial Level. Beginning February 24, 2026, the notes auto-call if the stock closes above the Initial Level, returning principal plus that month’s coupon. If not called and the Final Level is below the $15.70 Trigger Level, investors receive shares (or cash equivalent) worth less than principal, potentially as low as zero, plus any final coupon if payable.
Bank of Montreal is offering US$5,000 of Senior Medium-Term Notes, Series K, in the form of autocallable barrier notes with contingent coupons linked to the Class A common stock of Palantir Technologies Inc. (PLTR), maturing on May 29, 2026. The notes pay a contingent coupon of 1.8333% per month (approximately 22.00% per annum) for each Observation Date on which Palantir’s closing level is at or above the Coupon Barrier Level of $113.58, which is 70.00% of the Initial Level of $162.25.
Beginning February 24, 2026, if Palantir’s closing level on an Observation Date is at or above the Call Level, equal to 100% of the Initial Level, the notes are automatically redeemed at par plus the applicable coupon. If not called, investors receive full principal at maturity as long as the Final Level is at or above the Trigger Level of $113.58; otherwise they receive shares (or cash equivalent) based on the Physical Delivery Amount, which can be worth substantially less than principal. The notes are unsecured, not insured by any deposit insurer, and their estimated initial value is $949.72 per $1,000 in principal amount.