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Bank of Montreal is offering unsecured structured notes linked to the iShares® Expanded Tech-Software Sector ETF (IGV). The notes pay no interest and are designed to be held to maturity, with the determination date expected 13–15 months after the trade date.
At maturity, each $1,000 note pays a cash amount based on IGV’s performance. If the final underlier level is at or above 90% of the initial level, investors receive a fixed threshold settlement amount expected between $1,162.00 and $1,190.50. If the final level is below 90%, repayment falls below principal, with losses of about 1.1111% of principal for every 1% IGV finishes below the 90% threshold, down to a total loss. The notes are not listed on any exchange, their initial estimated value of $960.10–$990.10 is below the $1,000 issue price, and all payments are subject to Bank of Montreal’s credit risk and complex U.S. tax treatment.
Bank of Montreal is offering unsecured, equity-linked notes whose payout depends on the performance of the MSCI EAFE Index over roughly 17 to 20 months. The notes pay no interest and are designed to be held to maturity, with no exchange listing.
At maturity, investors receive enhanced upside of 160% of the index gain, but returns are capped by a maximum settlement amount expected between $1,164.32 and $1,193.12 per $1,000 note. A 12.5% downside buffer protects principal against moderate declines, but losses accelerate below 87.5% of the initial index level, and investors can lose all principal. The estimated initial value is expected between $969 and $999 per $1,000, below issue price, and all payments are subject to Bank of Montreal’s credit risk.
Bank of Montreal is issuing $4,194,000 of Senior Medium-Term Notes, Series K, redeemable fixed-rate notes due February 18, 2031. Each note has a $1,000 principal amount and pays 4.40% per annum, with semi-annual interest on February 18 and August 18, starting August 18, 2026.
The notes are callable at 100% of principal plus accrued interest on specified optional redemption dates from February 18, 2027 through August 18, 2030. They are unsecured, not listed on any exchange, and subject to Canadian bail-in powers, meaning they can be converted into common shares or varied or extinguished under the CDIC Act.
Per note, the original issue price is $1,000, including a $5 underwriting discount, resulting in $995 in proceeds to Bank of Montreal. The notes carry credit risk of the bank, potential liquidity limits in any secondary market, and may deliver lower returns than other investments if rates rise or the notes are redeemed early.
Bank of Montreal is offering senior unsecured medium-term notes linked to the worst performer of Starbucks, Super Micro Computer and UnitedHealth, maturing on February 15, 2029. The total offering is $2,004,000, with each security having a $1,000 face amount.
The notes pay a monthly contingent coupon at 27.60% per annum only if the lowest-performing stock on each calculation day is at or above its coupon threshold, set at 60% of its starting value. Missed coupons can be recovered later via a “memory” feature, but investors may receive no coupons at all.
The notes are auto-callable from August 2026 through January 2029 if the lowest-performing stock is at or above its starting value, returning principal plus due coupons. If not called and the lowest-performing stock finishes below its 60% downside threshold, principal is reduced one-for-one with the stock’s loss, potentially to zero. The estimated initial value is $925.07 per security, below the $1,000 price, and all payments are subject to BMO’s credit risk.
Bank of Montreal is offering senior unsecured market-linked notes that are auto-callable and tied to the worst performer among CrowdStrike, Alphabet and Micron shares, maturing in February 2029. Each $1,000 note pays a high contingent coupon, at a rate of at least 23.30% per year, but only for months when the lowest-performing stock closes at or above 50% of its initial level, with missed coupons potentially paid later under a “memory” feature.
The notes may be automatically called monthly from August 2026 through January 2029 if the worst-performing stock is at or above its starting value, returning principal plus due coupons. If not called and the worst stock finishes below 50% of its start on the final observation, repayment is reduced in line with that decline and investors can lose most or all principal. The estimated initial value is $967.70 per $1,000 note, reflecting embedded costs, and the notes involve issuer credit risk, tax complexity and limited liquidity with no exchange listing.
Bank of Montreal is offering senior unsecured Capped Leveraged Index Return Notes linked to a basket of four U.S. stocks: Caterpillar, Seagate Technology, Constellation Energy and NiSource. Each note has a $10 principal amount, a term of about two years and no periodic interest payments.
Investors receive 200% of any positive basket return, but gains are capped at a Capped Value between $15.00 and $15.40 per unit, limiting maximum returns to about 50%–54%. If the basket is flat, principal is returned; if it falls, losses match the decline down to a total loss of principal.
The starting basket value is set to 100, with initial stock weights of 33.33% each for Caterpillar and Seagate and 16.67% each for Constellation Energy and NiSource. The initial estimated value is expected between $8.90 and $9.30 per unit, below the $10 public offering price, reflecting BMO’s internal funding rate, a $0.20 per-unit underwriting discount and a $0.05 hedging-related charge. All payments depend on BMO’s credit and the notes are not bail-inable or insured.
Bank of Montreal is offering unsecured structured notes linked to the iShares® Expanded Tech-Software Sector ETF (ticker IGV). The notes do not pay interest and are designed to be held to maturity, expected about 13 to 15 months after the trade date.
For each $1,000 note, if the ETF’s final level is at or above 80% of its initial level, investors receive a fixed threshold settlement amount, expected between $1,116.40 and $1,136.50. If the final level is below 80%, principal is reduced by 1.25% for every 1% decline below that threshold, exposing investors to substantial loss.
The estimated initial value is expected between $958.20 and $988.20 per $1,000, reflecting embedded fees and hedging costs. The notes will not be listed on an exchange, may have limited liquidity, and all payments depend on Bank of Montreal’s credit, as the notes are not insured or bail-inable.
Bank of Montreal is issuing $474,000 of Senior Medium-Term Notes, Series K, Capped Buffer Enhanced Return Notes due December 15, 2028, linked to the least performing of the S&P 500 Index and the Russell 1000 Index. The notes offer 120.00% leveraged upside, but the payment is capped at a Maximum Redemption Amount of $1,330.00 per $1,000 principal (a 33.00% maximum return). If the least performing index falls by up to 20.00%, principal is repaid at maturity; if it falls by more than 20.00%, investors lose 1% of principal for each additional 1% decline, up to an 80.00% loss. The notes pay no interest, will not be listed on any exchange, and all payments are subject to the credit risk of Bank of Montreal. The price to the public is 100% of principal, with a 0.20% agent’s commission and 99.80% of proceeds to Bank of Montreal, and the estimated initial value is $995.44 per $1,000.
Bank of Montreal is offering US$1,525,000 of Enhanced Return Notes linked to Invesco QQQ shares. These unsecured notes provide 200% leveraged upside on any QQQ appreciation, but gains are capped at a Maximum Redemption Amount of $1,186 per $1,000 of principal, an 18.60% maximum return.
If QQQ finishes below its initial level of $611.47, investors lose 1% of principal for each 1% decline, up to a total loss. The notes pay no interest, are not exchange-listed, and carry Bank of Montreal credit risk. The estimated initial value is $976.49 per $1,000, below the public issue price.
Bank of Montreal is offering US$1,500,000 of Senior Medium-Term Notes, Series K, called Enhanced Return Notes due April 13, 2027, linked to shares of the SPDR S&P 500 ETF Trust. The notes provide 200% leveraged upside to any increase in SPY, but gains are capped by a Maximum Redemption Amount of $1,141 per $1,000 of principal, a 14.10% maximum return. If SPY finishes below its initial level of $692.12, investors lose 1% of principal for each 1% decline and can lose their entire investment. The notes pay no interest, are unsecured obligations of Bank of Montreal, will not be listed on an exchange, and all payments are subject to the issuer’s credit risk. The price to the public is 100% of principal, with a 2.00% selling commission; the bank’s estimated initial value is $975.21 per $1,000.