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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.
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.