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Bank of Montreal priced US$540,000 of Senior Medium‑Term Notes, Series K, Capped Buffer Enhanced Return Notes due October 16, 2028, linked to the Consumer Discretionary Select Sector SPDR Fund (XLY). The notes offer 150.00% leveraged upside on XLY, capped by a Maximum Redemption Amount of $1,383.00 per $1,000 (a 38.30% maximum return). They pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on an exchange.
At maturity, investors receive: the capped amount if XLY rises enough to hit the 38.30% maximum; a leveraged gain if XLY is up but below the cap; principal back if XLY is flat to down within a 15.00% buffer; or a loss of 1% for each 1% XLY falls beyond the 15.00% buffer, up to an 85.00% loss. Key terms include Initial Level $228.75, Buffer Level $194.44, Pricing Date October 10, 2025, Valuation Date October 11, 2028, and Maturity Date October 16, 2028. Pricing details: price to public 100%, agent’s commission 0.50% ($2,700), and proceeds to issuer 99.50% ($537,300). The estimated initial value is $972.13 per $1,000, reflecting offering, structuring and hedging costs.
Bank of Montreal priced US$2,011,000 Senior Medium‑Term Notes, Series K, Digital Return Barrier Notes due October 23, 2026, linked to an equally weighted basket of Constellation Energy (CEG), NRG Energy (NRG), NextEra Energy (NEE) and GE Vernova (GEV).
The notes offer a 27.00% Digital Return per $1,000 if the Basket’s Final Level is at least 100.00% of the Initial Level on the valuation date. If the Basket declines, repayment is reduced 1% for each 1% drop, down to zero. The notes pay no interest, are unsecured obligations subject to BMO credit risk, and will not be listed.
Pricing and economics: price to public 100%; agent’s commission 2.00% ($40,220); proceeds to BMO 98.00% ($1,970,780). Minimum denominations are $1,000. The estimated initial value is $951.54 per $1,000 at pricing. Key dates: pricing October 10, 2025; settlement October 16, 2025; valuation October 20, 2026; maturity October 23, 2026. BMOCM acts as calculation and selling agent.
Bank of Montreal is offering $10,024,000 of Senior Medium‑Term Notes, Series K, 4.30% fixed‑rate, due October 15, 2030. The notes pay interest semi‑annually on April 15 and October 15, starting April 15, 2026, in $1,000 denominations. Unless redeemed earlier, holders receive $1,000 per note plus accrued interest at maturity.
The notes are redeemable at 100% of principal plus accrued interest, in whole only, on April 15 and October 15 each year from October 15, 2027 through April 15, 2030. They are unsecured obligations of Bank of Montreal, will not be listed on an exchange, and are bail‑inable under the CDIC Act.
Per‑note pricing: original issue price $1,000, underwriting discount $7.50, proceeds $992.50. Total underwriting discount was $72,774.24, with net proceeds to Bank of Montreal of $9,951,225.76. Payments are subject to the issuer’s credit risk and the notes are not insured by FDIC, CDIC or any governmental agency.
Bank of Montreal launched US$2,172,000 Senior Medium‑Term Notes, Series K—Autocallable Barrier Notes with Contingent Coupons due November 16, 2026, linked to Palo Alto Networks, Inc. (PANW). The notes offer a 0.8767% monthly contingent coupon (approximately 10.52% per annum) if PANW’s closing level is at or above the $150.62 coupon barrier on observation dates.
The initial level is $215.17; the trigger level and coupon barrier are both $150.62 (70% of initial). Starting April 13, 2026, the notes are autocallable at 100% of the initial level; if called, investors receive principal plus that period’s coupon. If held to maturity and no trigger event occurs, payment is $1,000 per $1,000 note plus any final coupon. If a trigger event occurs, repayment is $1,000 + ($1,000 × percentage change), which can be significantly less than principal and may be zero.
The estimated initial value is $963.58 per $1,000. Price to public is 100%, with a 2.15% agent’s commission ($46,698) and 97.85% proceeds to Bank of Montreal ($2,125,302). The notes are unsecured obligations and pay only in cash.
Bank of Montreal priced $1,615,000 Senior Medium‑Term Notes, Series K—Autocallable Barrier Notes with Memory Coupons due October 16, 2028, linked to the common stock of Palo Alto Networks (PANW).
The notes pay contingent coupons of 2.75% per quarter (approximately 11.00% per annum) if PANW’s closing level on an Observation Date is at or above the Coupon Barrier of $145.99 (70% of the $208.55 Initial Level). Missed coupons may be paid later via the Memory Coupon feature. Beginning April 13, 2026, the notes are automatically redeemed if PANW closes above the Call Level (100% of the Initial Level) on an Observation Date, returning principal plus any due coupons.
If not called, at maturity investors receive $1,000 per note unless a Trigger Event occurs (Final Level below $145.99), in which case repayment is reduced by the stock’s percentage decline and may be zero. The offering priced at 100% with a 1.50% agent’s commission ($24,225) and 98.50% proceeds to BMO ($1,590,775). The estimated initial value is $964.64 per $1,000.
Bank of Montreal priced a US$1,061,000 offering of Senior Medium‑Term Notes, Series K, linked to the S&P 500 Index, due October 18, 2027. These Contingent Risk Absolute Return Buffer Notes target 1‑to‑1 upside exposure up to a Maximum Redemption Amount of $1,124.00 per $1,000 (a 12.40% cap). If the index finishes below the Initial Level but at or above the Buffer Level of 70.00%, holders receive a 50.00% leveraged positive return on the decline, up to a Maximum Downside Redemption Amount of $1,150.00 (15.00%).
Below the 30.00% buffer, repayment falls 1% for each additional 1% decline, with up to 70.00% principal loss at maturity. The notes pay no interest, are unsecured obligations subject to BMO’s credit risk, and will not be listed. Pricing date is October 10, 2025; valuation date October 13, 2027.
Per $1,000, the estimated initial value is $981.88. Aggregate economics show 0.50% agent’s commission ($5,305) and proceeds to BMO of $1,055,695. Minimum denominations are $1,000. Initial Level is 6,552.51; Buffer Level is 4,586.76. All payments depend on the S&P 500 closing level on the valuation date.
Bank of Montreal priced US$677,000 of Senior Medium‑Term Notes, Series K—Autocallable Barrier Notes with Memory Coupons—due October 18, 2027, linked to the least performing of AMD, ANET and PLTR.
The notes pay a 1.65% monthly contingent coupon (approximately 19.80% per annum) when each reference stock closes at or above its Coupon Barrier (60% of initial: AMD $128.94; ANET $92.46; PLTR $105.26). Missed coupons may be paid later via the Memory Coupon feature. Starting January 14, 2026, the notes auto‑redeem if each stock is at or above its Call Level (100% of initial).
If not redeemed early, at maturity holders receive $1,000 per $1,000 note unless a Trigger Event occurs (any stock below its Trigger Level, 50% of initial: AMD $107.45; ANET $77.05; PLTR $87.72) and each final level is below its initial, in which case repayment is reduced by the least performer’s decline.
The estimated initial value is $935.12 per $1,000. Price to public: 100%; Agent’s commission: 0.70% (US$4,739); Proceeds to Bank of Montreal: US$672,261. The notes are unsecured obligations and settle in cash only.
Bank of Montreal is offering structured notes (ticker BERZ) that provide 200% leveraged exposure to the Russell 2000® Index up to a capped payout. The notes limit upside: the Maximum Redemption Amount is $1,160.00 per $1,000 principal (a 16.00% return). A Buffer protects the first 10.00% decline, but losses beyond that reduce principal at a 1:1 rate and investors can lose up to 90.00% of principal.
The notes do not pay interest, are unsecured obligations subject to Bank of Montreal credit risk, are not exchange-listed, and may be illiquid. The document highlights conflicts of interest, an initial estimated value below the public price, and material tax uncertainty that could affect holders.
Bank of Montreal furnished a Form 6-K current report that primarily provides an exhibit index and incorporation-by-reference statement for a registration statement. The filing designates that Forms 40-F and 6-K and any exhibits will be deemed filed with the SEC solely for incorporation by reference into the registrant's F-3 registration statement, File No. 333-285508. The document lists legal opinion exhibits from U.S. counsel Sullivan & Cromwell LLP and Canadian counsel Osler, Hoskin & Harcourt LLP, plus their consents, and is signed by Paras Jhaveri, Global Head, Capital and Funding, dated September 22, 2025.
Bank of Montreal submitted a Form 6-K as a foreign private issuer, signed by its Chief Financial Officer and Corporate Secretary. The report incorporates its contents by reference into certain effective registration statements with the SEC. The filing lists one exhibit, a press release titled “BMO Financial Group Announces Executive Appointment,” indicating a leadership change communicated through that press release.