BANK OF MONTREAL /CAN/ SEC Filings

Bank of Montreal has issued $538,000 in Digital Return Barrier Notes due June 27, 2030, linked to the performance of three major indices: NASDAQ-100, Russell 2000, and Dow Jones Industrial Average.

Key features include:

• Potential 50.80% digital return if the least performing index is at or above 70% of its initial level at maturity
• Principal at risk: Investors lose 1% for each 1% decline below 70% barrier level in worst-performing index
• Initial offering price: $1,000 per note
• Initial estimated value: $982.56 per note

Notable risks include potential loss of entire investment, returns limited to digital return regardless of index performance, and exposure to worst-performing index only. Notes are subject to Bank of Montreal's credit risk and will not be listed on any securities exchange.

Bank of Montreal has filed a pricing supplement for Autocallable Barrier Notes with Contingent Coupons due October 30, 2026, linked to the performance of the S&P 500® Index and Russell 2000® Index. Key features include:

• Monthly contingent coupon payments of 0.6667% (approximately 8.00% per annum) if both indices close above their Coupon Barrier Levels (80% of Initial Levels)
• Automatic early redemption starting January 2026 if both indices close above their Initial Levels
• No guaranteed principal protection - investors risk losing principal if any index falls below its Trigger Level (80% of Initial Level) at maturity
• Notes will be issued in $1,000 denominations with total offering amount to be determined

The estimated initial value is $969.10 per $1,000 principal amount. BMO Capital Markets serves as calculation agent and selling agent, with commissions up to 2.25%. These notes involve significant risks and are not equivalent to direct investment in the underlying indices.

Offering summary: This prospectus supplement describes Autocallable Barrier Notes with Contingent Coupons due July 27, 2026 linked to the common stock of Merck & Co., Inc. (MRK). The notes pay a monthly contingent coupon of 1.0417% (approximately 12.50% per annum) if the Reference Asset closes at or above the Coupon Barrier Level on each monthly Observation Date, beginning with an Observation Date three trading days before each monthly coupon date.

The notes may be automatically redeemed beginning December 23, 2025 if the Reference Asset closes above the Call Level (100% of the Initial Level) on an Observation Date; in that case investors receive principal plus the applicable coupon on the Call Settlement Date. If not redeemed, the maturity payment depends on the Final Level on the Valuation Date (July 22, 2026). A Trigger Event occurs if the Final Level is below the Trigger Level ($58.63, 73% of Initial Level); in that case investors lose 1% of principal for each 1% decline from Initial Level to Final Level. All payments are subject to the credit risk of Bank of Montreal. The notes are cash-settled, not listed, and issued in $1,000 denominations.

Bank of Montreal has issued $1,336,000 in Autocallable Barrier Notes with Memory Coupons due June 27, 2028, linked to the performance of Apple, Amazon, and NVIDIA stocks. Key features include:

• Monthly contingent coupon payments of 1.1875% (14.25% per annum) if all reference stocks close above their Coupon Barrier Levels
• Memory feature allows recovery of previously missed coupon payments
• Automatic early redemption starting June 2026 if all stocks close above their Initial Levels
• 50% downside protection at maturity through Trigger Levels
• Risk of principal loss if any stock closes below its Trigger Level (50% of Initial Level) at maturity

Initial stock levels are: AAPL: $200.30, AMZN: $212.77, NVDA: $147.90. Notes priced at 100% with 0.30% agent commission. Estimated initial value is $996.58 per $1,000 principal. Notes are subject to Bank of Montreal's credit risk and will not be listed on any securities exchange.