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Bank of Montreal is offering US$1,043,000 of Senior Medium-Term Notes, Series K, in the form of autocallable barrier notes with contingent coupons due November 27, 2028, linked to the common stock of Target Corporation (TGT). The notes pay a contingent coupon of 2.5625% per quarter (about 10.25% per year) only if Target’s closing price on an observation date is at or above the coupon barrier of $52.57, which is 60% of the initial level of $87.62. Starting May 21, 2026, if Target closes above its initial level on an observation date, the notes are automatically redeemed at par plus the coupon, ending further payments. If the notes are not called and Target finishes below the trigger level of $52.57 on the valuation date, investors lose principal in line with the stock’s decline and could receive no repayment of principal. The estimated initial value is $933.93 per $1,000, below the issue price, and BMO receives 96% of principal after a 4% selling commission.
Bank of Montreal is issuing US$1,549,000 of Senior Medium-Term Notes, Series K, as autocallable barrier notes linked to the NASDAQ-100 Index® and maturing on November 26, 2030. The notes can be automatically redeemed starting November 27, 2026 if the index closes at or above its Initial Level of 24,239.57 on an Observation Date, paying back principal plus a fixed Call Amount that equates to roughly 6.80% per year.
If the notes are never called, investors receive $1,000 per note at maturity as long as the index’s Final Level is at or above the Trigger Level of 19,391.66, which is 80% of the Initial Level. If the Final Level is below the Trigger Level, repayment is reduced one-for-one with the index loss, and investors can lose most or all of their principal. The estimated initial value is $939.76 per $1,000 note, reflecting hedging and fees embedded in the structure.
Bank of Montreal is offering US$18,000 of Senior Medium-Term Notes, Series K, in the form of Autocallable Barrier Notes with Contingent Coupons due May 26, 2027, linked to the Class A subordinate voting shares of Shopify Inc. (SHOP). The notes have an Initial Level of $147.80, with both the Coupon Barrier and Trigger Level set at $73.90, which is 50% of the Initial Level.
The notes pay a contingent coupon of 3.775% per quarter (approximately 15.10% per year), or $37.75 per $1,000, only if Shopify’s closing share price on an Observation Date is at or above the Coupon Barrier. Starting February 23, 2026, the notes are automatically redeemed if Shopify closes above the Initial Level on an Observation Date, returning principal plus the applicable coupon.
If the notes are not called and Shopify finishes below the Trigger Level on the Valuation Date, investors lose principal in line with the stock’s decline, potentially down to zero. The estimated initial value is $965.20 per $1,000, reflecting structuring and hedging costs.
Bank of Montreal is offering US$1,010,000 of Senior Medium-Term Notes, Series K, in the form of Callable Barrier Notes with Memory Coupons linked to the common stock of Fiserv, Inc. (FISV), maturing on November 26, 2027. The notes pay a contingent quarterly coupon of 3.1125% (approximately 12.45% per annum), equal to $31.125 per $1,000, but only if Fiserv’s share price on each Observation Date is at or above the Coupon Barrier Level of $30.42, which is 50% of the Initial Level of $60.84. Missed coupons may be paid later under a Memory Coupon feature if the barrier is subsequently met.
Beginning May 21, 2026, the notes are callable at the issuer’s discretion on any Observation Date at par plus any due contingent coupons. If the notes are not called, investors receive $1,000 per $1,000 principal at maturity as long as the Final Level is at or above the Trigger Level of $30.42. If the Final Level is below the Trigger Level, repayment is reduced based on the negative Percentage Change in Fiserv’s stock and can fall to zero. The estimated initial value is $965.75 per $1,000 on the pricing date, reflecting structuring and hedging costs, and the notes are unsecured obligations of Bank of Montreal.
Bank of Montreal is issuing US$974,000 of Senior Medium-Term Notes, Series K, in the form of callable barrier notes due October 26, 2027, linked to the least performing of XLE, the NASDAQ-100 Index (NDX) and XBI. The notes pay a contingent coupon of 1.08% per month (about 12.96% per year), or $10.80 per $1,000, only if on each observation date all three reference assets are at or above their respective coupon barrier levels, which are 70% of their initial levels.
Beginning May 20, 2026, Bank of Montreal may call the notes on any observation date, returning principal plus any due coupon. If the notes are not called and any reference asset finishes below its 60% trigger level at maturity, investors lose principal in line with the decline of the worst performer, and the repayment amount can fall to zero. The estimated initial value is $982.63 per $1,000, reflecting structuring and hedging costs, and the notes are unsecured obligations subject to the issuer’s credit risk and complex U.S. tax treatment.
Bank of Montreal is offering US$500,000 of Senior Medium-Term Notes, Series K, structured as autocallable barrier notes linked to CoreWeave, Inc. Class A common stock (ticker CRWV). The notes pay 4.30% per quarter (about 17.20% per year), with each coupon equal to $43 per $1,000 of principal, until automatic redemption or maturity on November 27, 2028.
Starting May 21, 2026, if CoreWeave’s stock closes at or above the call level of $69.21 on a call observation date, the notes are automatically redeemed at par plus the coupon. If not called, investors receive $1,000 per $1,000 note at maturity unless a trigger event occurs. A trigger event happens if the final stock level is below the trigger level of $34.61 (50% of the initial level), in which case principal is reduced one-for-one with the stock decline and can fall to zero. The estimated initial value is $964.77 per $1,000, reflecting dealer costs and hedging.
Bank of Montreal is offering US$1,001,000 of Senior Medium-Term Notes, Series K, Barrier Notes due November 26, 2027, linked to the least performing of EOG Resources common stock and the Energy Select Sector SPDR Fund (XLE). The notes pay fixed coupons at an interest rate of 0.6667% per month (approximately 8.00% per annum), equaling $6.667 per $1,000 of principal, with monthly payments on the 26th from December 26, 2025 through maturity.
At maturity, investors receive $1,000 per $1,000 of principal unless a Trigger Event occurs, defined as either reference asset finishing below its Trigger Level of $58.34 for EOG or $48.87 for XLE, each 55.00% of its Initial Level. If a Trigger Event occurs, principal repayment is reduced in line with the percentage decline of the least performing asset and can be zero, though the final coupon is still paid. The estimated initial value is $989.95 per $1,000, reflecting hedging and structuring costs, and the notes are unsecured obligations of Bank of Montreal, not insured by any deposit insurance agency.
Bank of Montreal is offering market-linked senior medium-term notes tied to the SPDR® Gold Trust (GLD), maturing on January 4, 2030, in $1,000 denominations. These notes return full principal at maturity, subject to Bank of Montreal’s credit risk, and provide 100% upside participation in GLD to a capped maximum return of at least 31.80% (at least $1,318 per note).
The preliminary estimated initial value is $951.40 per note, and at pricing it will not be less than $910.00, reflecting structuring and hedging costs. The notes pay no periodic interest and may underperform a direct investment in GLD because gains are capped and investors do not receive any distributions from the ETF.
Wells Fargo Securities acts as agent, receiving up to $38.25 per note in discounts, with proceeds to Bank of Montreal of about $961.75 per note. Key risks include exposure to gold price volatility, potential lack of a trading market, sensitivity to Bank of Montreal’s creditworthiness, and complex U.S. tax treatment as contingent payment debt instruments.
Bank of Montreal is offering US$1,100,000 of Senior Medium-Term Notes, Series K, Contingent Risk Absolute Return Barrier Notes due November 26, 2027, linked to an equally weighted basket of Alphabet, AMD, Broadcom, NVIDIA and Oracle shares. The notes provide 1-to-1 exposure to Basket gains up to a Maximum Redemption Amount of $1,350.00 per $1,000 in principal, a 35.00% cap.
If no Barrier Event occurs and the Basket finishes below its Initial Level of 100.00 but at or above the Barrier Level of 65.00, holders receive a positive “absolute return” on the decline, also capped at $1,350.00 per $1,000. If the Basket falls below the 65.00 Barrier Level, 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 estimated initial value is $942.99 per $1,000, lower than the public offering price due to offering, structuring and hedging costs.
Bank of Montreal is issuing US$3,147,000 of Senior Medium-Term Notes, Series K, Autocallable Barrier Enhanced Return Notes due November 26, 2030, linked to the NASDAQ-100 Index®.
The notes offer 175.00% leveraged upside on any index gain at maturity if they are not automatically redeemed, but pay no interest and are unsecured obligations of Bank of Montreal. On November 27, 2026, if the index closes above 100.00% of its Initial Level of 24,239.57, the notes are automatically redeemed and investors receive principal plus a fixed Call Amount of $93.50 per $1,000, equal to about 9.35% per annum.
If not called, principal is protected only down to a Barrier Level of 18,179.68, or 75.00% of the Initial Level. If the index falls below this barrier at maturity, repayment is reduced 1% for each 1% decline in the index, and investors can lose up to their entire principal. The estimated initial value is $973.44 per $1,000, and the notes will not be listed on any exchange.