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Bank of Montreal is offering senior medium-term Redeemable Fixed Rate Notes due December 11, 2037. Each Note has a $1,000 principal amount and pays a fixed 5.00% annual interest rate, with interest paid semi-annually on June 11 and December 11, starting June 11, 2026. Unless earlier redeemed, investors receive $1,000 per Note plus accrued interest at maturity.
The Notes are callable at Bank of Montreal’s option at 100% of principal plus accrued interest on each June 11 and December 11 from December 11, 2027 through June 11, 2037. They are unsecured, not insured by U.S. or Canadian deposit insurance, will not be listed on any exchange, and may have limited liquidity. As Canadian bail-inable notes, they can be converted into common shares of Bank of Montreal or its affiliates, or varied or extinguished, under the Canada Deposit Insurance Corporation Act if bail-in powers are exercised, so repayment of principal and interest is subject to both the bank’s credit risk and potential bail-in conversion.
Bank of Montreal is issuing $1,478,000 of senior autocallable buffer enhanced return notes due November 25, 2030, linked to the S&P 500® Futures Excess Return Index. The notes can be automatically redeemed on November 22, 2027 if the index is at or above its initial level, paying back principal plus a fixed $235 per $1,000 note (about 11.75% per year) and ending any further upside.
If not called, investors get 1‑for‑1 upside on index gains at maturity, but only limited downside protection: a 10% buffer applies, and beyond that principal is reduced 1% for each 1% further decline, with losses up to 90%. The notes pay no interest, will not be listed on an exchange, have an estimated initial value of $927.27 per $1,000, and all payments depend on Bank of Montreal’s credit.
Bank of Montreal is offering senior market-linked notes tied to the Nasdaq-100 Index®, providing full principal repayment at maturity and equity upside participation up to a cap. Each note has a $1,000 principal amount and 100% upside participation, but the total gain is limited by a maximum return that will be at least 15.20%, so the maximum maturity payment will be at least $1,152 per note. If the index ends at or below its starting level, investors receive only the $1,000 principal at maturity, with no interest paid during the term. The estimated initial value on the pricing date is expected to be below the $1,000 offering price (illustratively $955.40 per note), reflecting offering, structuring and hedging costs. Payments depend on Bank of Montreal’s credit, and the notes will not be listed, so any secondary market could be limited and at prices below principal.
Bank of Montreal is offering US$288,000 of Senior Medium-Term Notes, Series K, structured as autocallable barrier notes linked to the common stock of Target Corporation (TGT), maturing on November 20, 2028. The notes pay a contingent coupon of 3.125% per quarter (approximately 12.5% per year) for each $1,000 principal amount when Target’s closing share price on an observation date is at or above the coupon barrier of $63.43, which is 70% of the initial level of $90.62.
Beginning May 15, 2026, if Target’s share price on an observation date is at or above 100% of the initial level, the notes are automatically redeemed at par and the applicable coupon is paid, with no further payments. If the notes are not redeemed early and Target’s final share price on the valuation date is below the trigger level of $63.43, principal repayment is reduced in line with the stock’s decline and can be zero. The estimated initial value is $920.29 per $1,000 principal, reflecting structuring and hedging costs, and the notes are unsecured obligations of Bank of Montreal with significant market and credit risk.
Bank of Montreal is offering US$230,000 of autocallable barrier notes due November 20, 2028, linked to the least performing of the S&P 500, NASDAQ-100 and Russell 2000 indexes. The notes pay a contingent coupon of 2.525% per quarter (about 10.10% per year) only if, on each observation date, all three indexes are at or above their coupon barrier levels, set at 75% of their initial levels.
Beginning May 15, 2026, the notes are automatically redeemed if all three indexes are at or above their initial levels, returning principal plus the due coupon. If the notes are not called and any index finishes below its 75% trigger level at maturity, principal is reduced in line with the loss of the worst-performing index, and can fall to zero. These are unsecured Bank of Montreal obligations, with an estimated initial value of $967.34 per $1,000 in principal.
Bank of Montreal is offering unsecured Senior Medium-Term Notes, Series K, that pay a fixed 4.65% per annum on a principal amount of $1,000 per Note. Interest is paid semi-annually each May 28 and November 28 from May 28, 2026 until maturity on November 29, 2030, unless the Notes are redeemed earlier.
The Notes are callable at Bank of Montreal’s option, in whole but not in part, at 100% of principal plus accrued interest on quarterly redemption dates starting November 28, 2026. Per Note economics show an original issue price of $1,000, an underwriting discount of $15, and proceeds to Bank of Montreal of $985 per Note. The Notes will not be listed on any exchange and may have limited liquidity.
The Notes are bail-inable under the Canada Deposit Insurance Corporation Act, meaning they may be converted into common shares of Bank of Montreal or its affiliates or varied or extinguished if Canadian resolution powers are exercised. Investors face credit risk of Bank of Montreal, potential reinvestment risk if the Notes are redeemed early, interest rate risk versus other investments, and potential conflicts of interest from dealers involved in distribution and hedging.
Bank of Montreal is offering $12,578,000 of Senior Medium-Term Notes, Series K, structured as autocallable barrier notes with memory coupons due November 20, 2028. The notes are linked to the least performing of the S&P 500 Index and the EURO STOXX 50 Index.
Investors may receive contingent quarterly coupons at a rate of 2.175% per quarter (approximately 8.70% per annum) if, on an observation date, each index closes at or above its coupon barrier, set at 80% of its initial level for both SPX (5,387.29) and SX5E (4,555.02). Missed coupons can be paid later under the memory feature if barriers are subsequently met.
If the notes are not automatically redeemed and the final level of either index is below its trigger level (also 80% of its initial level), principal is reduced in line with the percentage decline of the worst-performing index and can fall to zero. The estimated initial value is $967.24 per $1,000 in principal, reflecting structuring and hedging costs.
Bank of Montreal is issuing US$1,473,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes due November 20, 2028, linked to the Class A common stock of Levi Strauss & Co. (LEVI). The notes offer quarterly contingent coupons of 2.70% (about 10.80% annually) per $1,000, or $27.00, but only if Levi’s share price on each observation date is at or above the coupon barrier of $12.85, which is 60% of the $21.41 initial level. Unpaid coupons can be caught up later under the memory feature.
Starting May 15, 2026, the notes are automatically redeemed if Levi’s stock closes above 100% of the initial level on an observation date, returning principal plus any due coupons. If not called, investors receive $1,000 per note at maturity only if the final stock level is at or above the $12.85 trigger; otherwise, repayment is reduced in line with the stock’s percentage decline, potentially to zero. The notes are unsecured obligations of Bank of Montreal, not insured deposits, with an estimated initial value of $969.25 per $1,000, reflecting structuring and hedging costs and a dealer commission of 2.50%.
Bank of Montreal is issuing US$500,000 of Senior Medium-Term Notes, Series K, in the form of autocallable barrier notes with contingent coupons due November 17, 2027, linked to the worst performer of Alcoa Corporation (AA) and SLB N.V. (SLB). The notes pay a contingent coupon of 2.50% per month (about 30% per year), but only if on each observation date both stocks close at or above their coupon barrier levels of $26.12 for AA and $25.66 for SLB, which are 70% of their initial levels.
Beginning January 14, 2026, the notes are automatically redeemed if both reference assets close at or above 100% of their initial levels, returning principal plus the applicable coupon. If not called, principal is protected at maturity only if each stock finishes at or above its trigger level of $22.39 for AA and $22.00 for SLB (60% of initial). If any stock ends below its trigger, repayment is reduced in line with the loss of the worst performer and can fall to zero. The notes are unsecured obligations of Bank of Montreal, with an estimated initial value of $976.96 per $1,000 principal amount.
Bank of Montreal priced US$2,836,000 of Senior Medium‑Term Notes, Series K — Callable Barrier Notes with Contingent Coupons due May 17, 2027, linked to the least performing of the S&P 500, Russell 2000, and Dow Jones Industrial Average.
The notes pay a 0.825% monthly contingent coupon (approximately 9.90% per annum) if, on each observation date, each index closes at or above its coupon barrier (70% of its initial level: SPX 4,795.64; RTY 1,715.558; INDU 33,778.37). Beginning May 13, 2026, the issuer may call the notes on any observation date for par plus any due coupon. If not called, at maturity investors receive $1,000 per note unless a Trigger Event occurs; if any index is below its 70% trigger, the payoff is $1,000 + $1,000 × the percentage change of the least performing index, which can be significantly less than principal and may be zero. The estimated initial value is $991.70 per $1,000. Pricing date was November 12, 2025; settlement November 17, 2025. The offering includes an agent’s commission of 0.65% ($18,434) with proceeds to Bank of Montreal of 99.35% ($2,817,566).