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Bank of Montreal is offering S&P 500® Index-linked notes with a total original issue size of $5,420,000.00, sold at $1,000 per note with no underwriting discount. The notes pay no interest and are designed to be held to maturity on April 28, 2027.
The payoff depends on S&P 500 performance from the February 9, 2026 trade date to the April 26, 2027 determination date. Investors get 160% upside participation, capped at a maximum settlement amount of $1,154.72 per $1,000 note, if the index rises above the initial level of 6,964.82, up to a cap level of 7,638.318094.
A 10% buffer protects principal for declines down to 90.00% of the initial level (buffer level 6,268.338), but below that the notes lose about 1.1111% of principal for each 1% drop beyond the buffer, potentially to a full loss. The notes are unsecured obligations of Bank of Montreal, not listed on any exchange, and carry both market and issuer credit risk.
Bank of Montreal is offering US$5,000,000 of Buffer Enhanced Return Notes linked to the Russell 2000® Index. These senior medium-term notes provide 200% leveraged upside on index gains, but the payment at maturity cannot exceed $1,165 per $1,000 of principal, a 16.5% maximum return.
Principal is protected only by a 10% downside buffer: if the index falls more than 10% from its initial level of 2,303.719, investors lose 1% of principal for each additional 1% decline, up to a 90% loss. The notes pay no interest, are not exchange-listed, and all payments depend on Bank of Montreal’s credit. The estimated initial value on the pricing date is $990.45 per $1,000, reflecting offering, structuring, and hedging costs.
Bank of Montreal is offering US$1,000,000 of Capped Buffer Enhanced Return Notes linked to the iShares® Semiconductor ETF. These unsecured notes provide 150% leveraged exposure to any upside in SOXX, but returns are capped at a Maximum Redemption Amount of $1,535.30 per $1,000 (a 53.53% maximum return).
Investors are protected against the first 10% of losses in SOXX, but beyond this buffer they lose 1% of principal for each additional 1% decline, for a potential loss of up to 90%. The notes pay no interest, are not exchange-listed, and all payments depend on Bank of Montreal’s credit. The Initial Level of SOXX is $352.77, with an estimated initial note value of $985.11 per $1,000.
Bank of Montreal is offering US$1,769,000 of Senior Medium-Term Notes, Series K, digital return barrier notes maturing March 12, 2027, linked to the worst performer of the S&P 500, NASDAQ-100 and Russell 2000.
Investors receive a fixed 10.30% digital return at maturity if the least performing index finishes at or above 70% of its initial level; otherwise, if it falls below 70%, repayment is reduced 1% for each 1% decline and can drop to zero. The notes pay no periodic interest, are unsecured obligations of Bank of Montreal, not insured by deposit insurers, will not be listed, and have an estimated initial value of $987.15 per $1,000, below the 100% public offering price due to structuring and distribution costs.
Bank of Montreal is issuing US$380,000 of Senior Medium-Term Notes, Series K, that are step down autocallable barrier notes with step up call amounts due February 14, 2028, linked to the common stock of ServiceNow, Inc. (ticker "NOW"). The Initial Level is $103.87, with a Call Level at 100% of that level and a Trigger Level at 70%, or $72.71.
Beginning February 16, 2027, the notes are automatically redeemed if the stock closes at or above the Call Level on an Observation Date, paying principal plus a fixed Call Amount; these Call Amounts equate to an approximate 21.40% per annum return. If never called and the Final Level is below the Trigger Level, investors are exposed to downside, receiving shares (or cash) based on a Physical Delivery Amount that is less than principal. The estimated initial value is $970.08 per $1,000, with a 1.85% agent’s commission and 98.15% proceeds to Bank of Montreal.
Bank of Montreal is offering US$307,000 of Senior Medium-Term Notes, Series K, Autocallable Barrier Notes with Memory Coupons due August 12, 2027, linked to the Class A common stock of Robinhood Markets, Inc.
The notes pay a contingent coupon of 1.50% per month (approximately 18.00% per annum) when the Robinhood share price on an observation date is at or above the coupon barrier of $43.28, which is 50.00% of the initial level of $86.56. Missed coupons can be paid later under the memory feature. Beginning August 7, 2026, the notes are automatically redeemed if the share price exceeds the initial level, returning principal plus any due coupons. If not redeemed and the final level is below the $43.28 trigger, investors receive $1,000 plus $1,000 times the percentage change in the share, which can reduce principal to zero. The estimated initial value is $945.66 per $1,000 in principal amount.
Bank of Montreal is issuing $9,000,000 of Series K senior medium-term notes, fixed at 4.45% per annum, due February 12, 2031. Each note has a $1,000 principal amount and pays interest in cash in U.S. dollars.
Interest is paid semi-annually on February 12 and August 12, starting August 12, 2026, using a 30/360 day-count. The notes are callable at 100% of principal plus accrued interest, in whole only, on February 12 and August 12 from 2028 through August 12, 2030.
The notes are unsecured obligations of Bank of Montreal, are bail-inable under the Canada Deposit Insurance Corporation Act, and are not insured by U.S. or Canadian deposit insurance. They will not be listed on any securities exchange, and a secondary market is not assured.
Bank of Montreal is offering unsecured S&P 500® Index-linked notes that pay no interest and are designed to be held to maturity. The term is expected to be between 27 and 30 months.
At maturity, for each $1,000 note, investors receive either a fixed threshold settlement amount, expected to be between $1,164.10 and $1,193.00, if the S&P 500® final level is at or above 85.00% of its initial level, or a reduced amount if it is below that threshold. Below 85.00%, the payout decreases by approximately 1.1765% of principal for every 1% the index finishes under the threshold, and investors can lose some or all principal.
The notes will not be listed on any exchange and their value before maturity will depend on market factors and Bank of Montreal’s credit. The estimated initial value is expected to be between $969.00 and $999.00 per $1,000 note, less than the original issue price.
Bank of Montreal is offering unsecured, structured notes linked to the iShares® Emerging Markets ex China ETF. The notes pay no interest and are meant to be held to maturity, expected about 17–20 months after the trade date.
At maturity, if the ETF has risen, investors receive principal plus 125% of the ETF’s gain, but only up to a maximum settlement amount expected in the $1,255.125–$1,299.375 range per $1,000. If the ETF has fallen, repayment is reduced one-for-one with the decline and can fall to zero, so all principal is at risk.
The notes will not be listed on an exchange. The estimated initial value is expected between $953.90 and $983.90 per $1,000, below the issue price, reflecting dealer fees and hedging costs. All payments depend on Bank of Montreal’s credit, and the tax treatment is complex and uncertain for both U.S. and non-U.S. investors.
Bank of Montreal is issuing $2,000,000 of Senior Medium-Term Notes, Series K, fixed-rate notes due February 12, 2031. The notes pay 4.50% per annum, with interest paid semi-annually each February 12 and August 12, starting August 12, 2026.
The notes are issued in $1,000 denominations and may be redeemed by Bank of Montreal at 100% of principal plus accrued interest on optional redemption dates every February 12 and August 12 from 2027 through August 12, 2030. If not redeemed, investors receive $1,000 per note at maturity plus accrued interest.
The notes are unsecured, subject to Bank of Montreal’s credit risk, are bail-inable under the Canada Deposit Insurance Corporation Act, are not insured by U.S. or Canadian deposit insurers, and will not be listed on any securities exchange. Bank of Montreal receives $1,987,000 in proceeds after a $13,000 underwriting discount.