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Bank of Montreal is offering S&P 500® Index-linked, unsecured notes that do not pay interest and are designed to be held to maturity. Each note has a $1,000 principal amount and offers 160% upside participation in index gains, subject to a maximum settlement amount expected between $1,131.84 and $1,155.04 per note.
The structure includes a 10% buffer: if the index falls by up to 10%, investors receive full principal back; below that level, they lose about 1.1111% of principal for every 1% drop beyond the 10% buffer, with the potential for total loss. The notes will not be listed on any exchange, have an estimated initial value between $969 and $999 per $1,000 principal, and all payments depend on Bank of Montreal’s creditworthiness.
Bank of Montreal is offering an additional $5,002,250 principal amount of its Travel -3X Inverse Leveraged ETNs due May 29, 2042, increasing total outstanding notes to $50,000,000 across 200,000 notes at $250 principal each. These exchange-traded notes, listed on the NYSE under ticker FLYD, provide three-times inverse daily exposure to the MerQube U.S. Travel Index, less a 0.95% per annum Daily Investor Fee, any negative Daily Interest, and, on holder redemptions, a 0.125% Redemption Fee Amount.
The product is explicitly positioned as a short-term daily trading tool, not a buy-and-hold investment, and is highly sensitive to daily index moves, path dependency and volatility “decay,” which can cause large losses even if the index falls over time. The notes pay no interest, are unsecured senior debt of Bank of Montreal, and any payment depends on the bank’s credit. If the Indicative Note Value ever reaches zero intraday or at close, it remains zero for the life of the notes, resulting in a total loss.
Bank of Montreal is offering an additional $75,004,250 in FANG & Innovation -3X Inverse Leveraged ETNs (BERZ), increasing the total outstanding principal of this tranche to $1.75 billion, or 7,000,000 notes expected to be outstanding as of February 4, 2026.
The notes provide three-times daily inverse exposure to the Solactive FANG Innovation Index, a total return index of 15 large-cap U.S. technology stocks including Alphabet, Amazon, Apple, Meta, Microsoft, Netflix, NVIDIA and Tesla. Performance is reset daily and designed only for short-term, sophisticated trading use.
Each note has a principal amount of $250 (after a prior reverse split), bears no interest, and matures June 28, 2041, subject to issuer call and holder redemption features. Returns are reduced by a 0.95% annual Daily Investor Fee, potential negative Daily Interest, and a 0.125% redemption fee, and investors may lose some or all of their principal. The notes are unsecured, unsubordinated obligations of Bank of Montreal and are listed on NYSE Arca under ticker BERZ.
Bank of Montreal is offering unsecured structured notes linked to the price performance of the iShares 20+ Year Treasury Bond ETF (TLT). The notes have a $1,000 principal amount, pay no interest, and are designed to be held to the stated maturity date of February 12, 2027.
If the ETF’s final level is at least 90% of the initial level of $86.55, holders receive a fixed threshold settlement amount of $1,059.20 per note. Below that threshold, principal is reduced by about 1.1111% for every 1% decline beyond the 10% buffer, which can lead to a full loss of principal. The notes’ estimated initial value is $988.50 per $1,000, they are not insured, will not be listed on any exchange, and all payments depend on the credit of Bank of Montreal.
Bank of Montreal is offering US$500,000 of senior market-linked notes tied to the Russell 2000® Index, maturing on February 5, 2029. These unsecured notes pay no interest and return principal at maturity even if the index falls.
If the index rises, investors receive 1-to-1 upside, capped at a 23.55% Maximum Return, for a maximum redemption of $1,235.50 per $1,000. The price to the public is 100% of principal, with a 0.25% selling commission and an estimated initial value of $981.50 per $1,000, reflecting structuring and hedging costs. Key risks include Bank of Montreal credit risk, lack of liquidity, capped upside, potential secondary-market discounts and complex U.S. tax treatment as a contingent payment debt instrument.
Bank of Montreal is issuing US$518,000 of Senior Medium-Term Notes, Series K, market-linked notes due August 5, 2030, tied to the S&P 500® Index. The notes offer 1-to-1 upside exposure to index gains, capped at a Maximum Redemption Amount of $1,380 per $1,000 principal, a 38% maximum return.
If the index ends at or below its initial level, investors receive only the $1,000 principal per note, with no loss of principal but also no interest. The notes are unsecured obligations of Bank of Montreal, subject to its credit risk, and had an estimated initial value of $986.33 per $1,000 on the pricing date.
Bank of Montreal is offering US$288,000 of senior Market Linked Notes tied to the S&P 500® Index, maturing on August 4, 2031. The notes provide 1‑to‑1 upside exposure to the index, but gains are capped at a 40.00% Maximum Return, for a Maximum Redemption Amount of $1,400 per $1,000 principal.
If the S&P 500 Final Level is at or below its Initial Level of 6,939.03, investors receive only their principal back, with no additional return. The notes pay no interest, are not exchange‑listed, and all payments depend on Bank of Montreal’s credit. The price to the public is 100% of principal, including a 3.00% agent’s commission, while the bank’s estimated initial value is $950.33 per $1,000, reflecting structuring and hedging costs.
Bank of Montreal is issuing US$667,000 of senior unsecured medium-term notes linked to the S&P 500® Index, offering equity-linked exposure with limited upside and conditional downside protection.
The notes pay no interest and mature on April 21, 2027. If the index is at or above its initial level on the valuation date, investors receive a 5.80% digital return, or $1,058 per $1,000. If the index is below the initial level but at or above 94.20% of it, holders receive the 5.80% digital return plus participation in the decline, up to $1,116 per $1,000. If the index closes between 80.00% and 94.20% of its initial level, the payoff tracks the index decline but is capped at a maximum of $1,200 per $1,000 (a 20.00% gain).
If the index falls more than 20.00% from its initial level, principal is exposed 1-for-1 beyond that buffer, and investors can lose up to 80.00% of principal. The notes are unsecured obligations of Bank of Montreal, are not insured, will not be listed on an exchange, and have an estimated initial value of $989.44 per $1,000, below the public offering price due to commissions, hedging costs and fees.
Bank of Montreal is issuing US$509,000 of Senior Medium-Term Notes, Series K, Digital Contingent Risk Absolute Return Buffer Notes due April 21, 2027, linked to the SPDR S&P 500 ETF Trust (SPY). The notes offer a digital return of 5.85% if SPY’s final level is at or above its initial level.
If SPY finishes below the initial level but at or above 94.15% of it, holders receive the 5.85% digital return plus participation in the decline, up to $1,117 per $1,000. If SPY ends between 80% and 94.15% of the initial level, investors participate in the absolute decline up to a maximum redemption of $1,200 per $1,000 (a 20% gain).
If SPY falls more than 20% from its initial level, investors lose 1% of principal for each additional 1% drop, down to as little as $200 per $1,000. The notes pay no interest, are unsecured obligations of Bank of Montreal, and are not insured by any deposit insurance scheme. Estimated initial value is $989.76 per $1,000, with 0.50% agent’s commission and 99.50% of proceeds to Bank of Montreal.
Bank of Montreal is offering US$1,345,000 of Senior Medium-Term Notes, Series K, capped buffer notes due February 5, 2029, linked to Alphabet Inc. Class C stock. The notes provide 1-to-1 upside exposure to Alphabet, but gains are capped at a Maximum Redemption Amount of $1,761 per $1,000 (a 76.10% maximum return).
The notes include a 15% downside buffer: if Alphabet’s final level is at least 85% of its initial $338.53 level, investors receive principal back. Below that buffer, principal is reduced 1% for each 1% additional decline, with up to 85% loss of principal. The notes pay no interest, are unsecured obligations of Bank of Montreal, will not be listed on an exchange, and carry both BMO credit risk and liquidity risk. The price to public is 100% of principal, with a 3.60% agent commission and 96.40% proceeds to BMO. The estimated initial value is $951.25 per $1,000, reflecting offering, structuring and hedging costs.