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Bank of Montreal is offering $2,000,000 of Senior Medium-Term Notes, Series K, due February 12, 2031. The notes pay fixed interest of 4.60% per year, with semi-annual payments each February 12 and August 12, starting August 12, 2026.
The notes are callable at 100% of principal plus accrued interest, in whole but not in part, on each February 12 and August 12 from February 12, 2027 through August 12, 2030. They are unsecured obligations, not listed on any exchange, and subject to Canadian bail-in powers, meaning they can be converted into common shares or written off under the CDIC regime.
Each note has a $1,000 denomination. The original issue price is $1,000 per note, including a $3.50 underwriting discount, resulting in $1,993,000 in proceeds to Bank of Montreal. Investors face credit risk, potential call risk, limited or no secondary market, and dealer conflicts of interest related to underwriting and hedging profits.
Bank of Montreal is offering $2,000,000 of Senior Medium-Term Notes, Series K, fixed-rate notes due February 12, 2029. Each note has a $1,000 principal amount and pays 4.10% interest per year, with semi-annual payments on February 12 and August 12 starting August 12, 2026.
The notes can be redeemed by Bank of Montreal at par plus accrued interest, in whole but not in part, on specified optional redemption dates from February 12, 2027 through August 12, 2028. They are unsecured, not insured by any deposit insurer, and will not be listed on any securities exchange, so liquidity may be limited.
The notes are designated as bail-inable under the Canada Deposit Insurance Corporation Act, meaning they may be converted into Bank of Montreal common shares or varied or extinguished if Canadian resolution powers are exercised. The original issue price is $1,000 per note, with a $3 underwriting discount and $997 in proceeds to Bank of Montreal.
Bank of Montreal is issuing $9,550,000 of S&P 500® Index-linked notes that do not pay interest and are designed to be held to May 17, 2028. The notes’ payoff depends on the S&P 500 level on May 15, 2028 versus the initial level of 6,964.82.
If the index finish is at or above the threshold level of 5,920.097 (85.00% of the initial level), investors receive a fixed threshold settlement amount of $1,185.90 per $1,000 note, capping upside. If the index is below the threshold, investors lose about 1.1765% of principal for every 1% the index falls below the threshold, and could lose all principal.
The notes are unsecured obligations of Bank of Montreal, are not insured or bail-inable, will not be listed on any exchange, and carried an estimated initial value of $994.81 per $1,000 at pricing, reflecting embedded costs and hedging. Credit risk, limited liquidity, complex tax treatment and principal-at-risk exposure are highlighted as key risks.
Bank of Montreal is offering senior unsecured Market Linked Securities that are auto-callable and linked to the common stock of Apple, Intel and JPMorgan Chase. Each note has a $1,000 face amount, original offering price of $1,000 and an estimated initial value of $949.12.
The notes pay a 20.60% per annum contingent coupon, evaluated quarterly, only if the lowest performing stock on the calculation day is at or above 60% of its starting value. Missed coupons have a “memory” and can be paid later if the test is met.
The notes are auto-called if the lowest performing stock is at or above its starting value on certain quarterly dates, returning the $1,000 face amount plus the applicable coupon(s). If not called, and on the final calculation day the lowest performer is below 60% of its starting value, principal is reduced in line with that stock’s loss, and holders can lose more than 40% and up to all of principal.
The securities are unsecured obligations of Bank of Montreal, not insured by any government agency and not listed on an exchange, so liquidity may be limited. U.S. tax treatment is complex, and coupons to non‑U.S. holders are generally subject to 30% withholding.
Bank of Montreal is offering $993,000 of Senior Medium-Term Notes, Series K, Capped Buffer Enhanced Return Notes due February 11, 2028, linked to the State Street SPDR S&P Metals & Mining ETF (XME). The notes provide 150% leveraged upside, but gains are capped at a 40.40% maximum return, or a maximum redemption of $1,404 per $1,000 of principal.
If XME falls up to 15%, investors receive full principal back; beyond that, they lose 1% of principal for each additional 1% decline, with losses up to 85%. The notes pay no interest, are not exchange listed, and are unsecured obligations subject to Bank of Montreal’s credit risk. The estimated initial fair value is $968.67 per $1,000, below the public issue price, reflecting offering and hedging costs.
Bank of Montreal is offering US$425,000 of Senior Medium-Term Notes, Series K Capped Buffer Enhanced Return Notes due February 11, 2028, linked to the S&P 500® Futures Excess Return Index. The notes provide 125.00% leveraged upside to index gains, but returns are capped at a Maximum Redemption Amount of $1,246.00 per $1,000 (a 24.60% maximum return).
A 15.00% downside buffer protects principal only if the index decline does not exceed this level; below the buffer, investors lose 1% of principal for each additional 1% drop, with up to an 85.00% loss of principal possible. The notes pay no interest, are unsecured obligations subject to the credit risk of Bank of Montreal, and will not be listed on any exchange. The estimated initial value is $965.38 per $1,000, below the $1,000 price to the public, reflecting offering, structuring and hedging costs.
Bank of Montreal is offering US$997,000 of senior market-linked notes due February 12, 2029, tied to the S&P 500 Index. The notes provide 1‑to‑1 upside on index gains with an Upside Leverage Factor of 100%, but returns are capped at a Maximum Return of 20.25%, or a Maximum Redemption Amount of $1,202.50 per $1,000.
If the S&P 500 ends at or below its initial level of 6,932.30 on the valuation date, investors receive only their $1,000 principal, so there is no downside participation but also no interest payments. The price to the public is 100%, with a 0.75% selling commission and 99.25% of proceeds to Bank of Montreal. The estimated initial value is $987.20 per $1,000, reflecting embedded fees and hedging costs.
The notes are unsecured obligations subject to Bank of Montreal’s credit risk, will not be listed on an exchange, and may have limited or no secondary market. U.S. investors are expected to be taxed under contingent payment debt instrument rules, recognizing ordinary income over the life of the notes regardless of cash receipts.
Bank of Montreal is issuing US$6,000,000 of senior Medium-Term Notes, Series K, structured as autocallable barrier notes due February 11, 2028. The notes pay a contingent coupon of 1.1042% per month (about 13.25% per year) only if on each observation date all three reference indices—the EURO STOXX 50, NASDAQ-100 and Russell 2000—are at or above their respective coupon barrier levels, set at 70% of initial levels.
Beginning August 6, 2026, the notes are automatically redeemed if each index is at or above its initial level, returning principal plus that month’s coupon. If not called, principal repayment at maturity depends on the least-performing index. If any index closes below its trigger level—65% of its initial level—on any day during the monitoring period and its final level is below its initial level, investors lose principal in line with that index’s decline, up to a total loss. The notes are unsecured obligations of Bank of Montreal, with an estimated initial value of $988.09 per $1,000 in principal amount, reflecting structuring and hedging costs.
Bank of Montreal is offering $2,000,000 of senior Medium-Term Notes, Series K, structured as Autocallable Barrier Notes with Memory Coupons due May 11, 2027. The notes are linked to the least performing of the S&P 500 Index, NASDAQ-100 Index and Russell 2000 Index.
Investors may receive monthly contingent coupons of 0.95% (about 11.40% per year), but only if on each observation date all three indices close at or above their coupon barrier levels set at 70% of initial levels. Missed coupons can be paid later under the memory feature if the barriers are met on a future observation date.
Beginning August 6, 2026, the notes are automatically redeemed if each index is at or above its initial level, returning principal plus any due coupons. If the notes are not called and any index ever closes below its 65% trigger level during the monitoring period, and the least performing index finishes below its initial level on the valuation date, principal is reduced one-for-one with the index loss and can fall to zero. The estimated initial value is $987.56 per $1,000 in principal, reflecting structuring and hedging costs, and the notes are unsecured obligations of Bank of Montreal.
Bank of Montreal is offering US$1,130,000 of Senior Medium-Term Notes, Series K, callable barrier notes with contingent coupons due January 11, 2028. The notes are linked to the least performing of VanEck Junior Gold Miners ETF (GDXJ), SPDR S&P Regional Banking ETF (KRE) and the Nasdaq-100 Technology Sector Index (NDXT).
The notes pay a contingent coupon of 1.9167% per month (approximately 23.00% per annum) for each US$1,000 in principal, but only if on an observation date each reference asset is at or above its coupon barrier level, set at 70% of its initial level. Beginning November 9, 2026, Bank of Montreal may call the notes in whole on any observation date, returning principal plus any due coupon.
If the notes are not called, at maturity investors receive US$1,000 per US$1,000 principal unless a trigger event occurs. A trigger event occurs if on the valuation date any reference asset is below its trigger level, set at 60% of its initial level. In that case, repayment is reduced in line with the percentage decline of the least performing asset and can be zero. The estimated initial value is US$979.22 per US$1,000, below the price to the public, reflecting fees and hedging costs, and the notes are unsecured, uninsured obligations subject to the detailed risks described in the accompanying documents.