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Bank of Montreal’s MicroSectors FANG+ -3X Inverse ETNs (FNGD) are highly complex, unsecured notes that provide three-times inverse daily exposure to the NYSE FANG+ gross total return index. They pay no interest and do not protect principal, so holders can lose their entire investment.
The ETNs reset leverage daily, creating strong path dependence and a “decay” effect that can erode value even if the index is flat or declines over time. A 1‑for‑10 reverse split became effective on February 9, 2026, with 1,500,000 notes expected outstanding, each with a principal amount of $1,000,000.
Bank of Montreal may call all notes at its option, and investors can request early redemption subject to a 25,000‑note minimum and a 0.125% redemption fee. A 0.95% annual investor fee and any negative daily interest further reduce returns, making the ETNs suitable only for sophisticated, actively trading investors.
Bank of Montreal provides updated terms for its Gold Miners -3X Inverse Leveraged ETNs due June 29, 2040, linked to the S-Network MicroSectors Gold Miners Index. The notes offer daily -3x leveraged inverse exposure to ETFs GDX and GDXJ, but include a 0.95% annual Daily Investor Fee, variable Daily Interest and potential Redemption Fee.
Each note now has a $50,000 principal amount after multiple reverse splits, with 2,500,000 notes expected outstanding, representing $125,000,000,000 in aggregate principal. The product is designed only for sophisticated traders using short-term strategies, can decay rapidly over time, does not guarantee principal, and may go to zero, with all payments subject to Bank of Montreal’s credit risk.
Bank of Montreal is offering US$44,364,000 of Senior Medium-Term Notes, Series K, maturing January 26, 2029, whose return is linked to the common stock of General Dynamics Corporation. The notes pay quarterly interest of 0.25% (about 1.00% per year) on a $1,000 minimum denomination.
At maturity, holders receive either $1,000 in cash or, if the stock has risen enough, a share-based Alternative Redemption Amount equal to a Share Exchange Amount of 2.27743183 times the Final Level. Because of a 1.198 Conversion Premium Amount (a 19.80% premium), payments above $1,000 occur only if the Final Level exceeds the Initial Level of $366.5201 by more than 19.80%. The notes are unsecured obligations of Bank of Montreal, are not exchange-listed, are subject to dividend and Extraordinary Event adjustments, and had an estimated initial value of $988.20 per $1,000 on the pricing date, below the price to the public.
Bank of Montreal is offering US$1,001,000 of senior medium-term Capped Barrier Enhanced Return Notes due February 09, 2028, linked to the common stock of Salesforce, Inc. The notes provide 200.00% leveraged upside on any stock appreciation, capped at a Maximum Redemption Amount of $1,760.50 per $1,000 in principal (a 76.05% maximum return).
If Salesforce’s final stock level is below the Initial Level of $196.38 but at or above the Barrier Level of $157.10 (80.00% of the Initial Level), investors receive only their $1,000 principal. If the final level falls below the Barrier Level, repayment is reduced 1% for each 1% decline from the Initial Level, down to a possible total loss of principal.
The notes pay no interest, are unsecured obligations of Bank of Montreal, and will not be listed on any securities exchange. The estimated initial value is $983.54 per $1,000, reflecting offering, structuring, and hedging costs that make the public price higher than the bank’s internal valuation.
Bank of Montreal is issuing US$1,473,000 of Senior Medium-Term Notes, Series K, autocallable barrier notes with memory coupons due February 09, 2029. The notes are linked to the least performing of the S&P 500 Index, NASDAQ-100 Index and Russell 2000 Index.
Investors may receive contingent semiannual coupons at 4.535% (about 9.07% per year) if on an observation date each index is at or above its coupon barrier, set at 75% of its initial level. Missed coupons can be paid later under a memory feature if barriers are later met.
Beginning August 05, 2026, the notes are automatically redeemed if all three indexes are above their initial levels, returning principal plus due coupons. If held to maturity without autocall, investors receive full principal only if no trigger event occurs. A trigger event happens if any index finishes below 75% of its initial level, in which case repayment is reduced in line with the loss on the worst-performing index and can be zero. The estimated initial value is $965.75 per $1,000 principal, below the issue price, reflecting fees and hedging costs.
Bank of Montreal is offering US$3,090,000 of Senior Medium‑Term Notes, Series K, autocallable barrier notes with contingent coupons due February 09, 2029. The notes are linked to the least performing of the State Street Energy (XLE), Consumer Staples (XLP) and Real Estate (XLRE) Select Sector SPDR ETFs.
The notes pay a contingent coupon of 2.75% per quarter (about 11.00% per year) only if each ETF closes on or above its coupon barrier, set at 70% of its initial level. Starting in August 2026, the notes auto‑redeem if each ETF is at or above its initial level, returning principal plus the due coupon.
If the notes are not called and any ETF finishes below its 70% trigger level on the valuation date, repayment of principal is reduced one‑for‑one with the percentage loss of the worst‑performing ETF, potentially to zero. The estimated initial value is $976.78 per $1,000 principal, below the issue price, reflecting fees and hedging costs.
Bank of Montreal is offering US$685,000 of senior medium‑term autocallable barrier notes due February 9, 2029, linked to the least performing of the State Street Energy (XLE), Consumer Staples (XLP) and Real Estate (XLRE) Select Sector SPDR ETFs.
The notes pay a contingent coupon of 2.425% per quarter (about 9.70% per year) only if each ETF closes on or above its coupon barrier on the observation dates. Starting August 5, 2026, the notes are automatically redeemed if each ETF is at or above its initial level, returning principal plus the coupon.
If not called and no ETF finishes below its 70% trigger level, investors receive full principal at maturity plus any final coupon. If any ETF ends below its trigger level, principal is reduced in line with the loss on the worst ETF, potentially down to zero. The notes are unsecured obligations of Bank of Montreal, with an estimated initial value of $963.97 per $1,000 face amount on the pricing date.
Bank of Montreal is issuing $6,300,000 of Senior Medium-Term Notes, Series K, redeemable fixed rate notes due January 27, 2031. Each note has a $1,000 principal amount and pays 4.40% per annum, with interest paid semi-annually on February 9 and August 9, starting August 9, 2026.
The notes are callable at 100% of principal plus accrued interest on semi-annual optional redemption dates from February 9, 2027 through August 9, 2030. They are unsecured, bail-inable obligations of Bank of Montreal, not insured by any deposit insurance agency, and will not be listed on any securities exchange.
The original issue price is $1,000 per note, including a $10 underwriting discount, providing net proceeds to Bank of Montreal of $6,237,674.10. Investors face credit risk of the bank, potential bail-in conversion into common shares under the Canada Deposit Insurance Corporation Act, call risk, and limited or no secondary market liquidity.
Bank of Montreal is offering Capped Leveraged Index Return Notes linked to the MSCI Emerging Markets Index. Each note has a $10 principal amount, a term of about two years to February 2028, and is a senior unsecured obligation not insured by Canadian or U.S. deposit insurers.
The notes provide 200% leveraged upside, but returns are capped at a Capped Value between $11.65 and $12.05 per unit, representing 16.50% to 20.50% over principal. If the index finishes below 90% of its starting level, investors lose principal, down to a minimum redemption of $1 per unit in the illustrated scenarios.
The public offering price is $10.00 per unit, including a $0.20 underwriting discount and an additional hedging-related charge of $0.05 per unit. The initial estimated value is expected between $9.00 and $9.42 per unit, reflecting BMO’s internal funding rate, structuring costs, and hedging arrangements.
The notes expose investors to risks of emerging markets equities, including political and economic instability, currency restrictions, less robust legal protections, and more volatile and less liquid markets. Payments at maturity depend entirely on index performance and BMO’s credit, and the notes will not be listed on any securities exchange.
Bank of Montreal is issuing US$924,000 of senior medium-term Contingent Risk Absolute Return Buffer Notes due January 6, 2028, linked to the S&P 500 Index. These unsecured notes pay no interest and all payments depend on Bank of Montreal’s credit.
Investors get 1-to-1 upside exposure to S&P 500 gains, capped at a Maximum Redemption Amount of $1,122 per $1,000 (a 12.20% maximum return). If the index finishes below its initial level but at or above 70% of that level, holders earn a 50% leveraged positive return on the decline, up to a Maximum Downside Redemption Amount of $1,150 (15.00% return.
If the index falls more than 30% from its initial level, principal loss is 1% for each extra 1% drop, up to a 70% loss. The notes will not be listed, are sold in $1,000 minimum denominations, and are priced at 100% of principal with a 0.375% selling commission. The estimated initial value is $985.95 per $1,000.