Bank of Montreal Files 424B2 Prospectus

TL;DR

BMO filed a prospectus (424B2) on 4/6/26. Standard registration update.

AI Summary

Bank of Montreal filed a 424B2 prospectus on April 6, 2026, related to a previous filing with SEC Accession No. 0001839882-26-019297. The filing concerns the registration of securities, as indicated by the form type and the reference to Rule 424(b)(2). The company's mailing and business address is 1 First Canadian Place, Toronto, A6 M5X 1A1.

Why It Matters

This filing indicates that Bank of Montreal is actively managing its securities offerings and complying with regulatory requirements for public companies in the financial sector.

Risk Assessment

Risk Level: low — This is a routine prospectus filing, not indicative of immediate financial distress or significant new risks.

Key Numbers

• 424B2 — Form Type (Indicates a prospectus filing under Rule 424(b)(2))
• 0001839882-26-019297 — SEC Accession No. (Unique identifier for the filing)
• 2026-04-06 — Filing Date (Date the prospectus was filed)

Key Players & Entities

• BANK OF MONTREAL /CAN/ (company) — Filer
• 0000927971 (company) — CIK
• 2026-04-06 (date) — Filing Date
• 0001839882-26-019297 (filing_id) — SEC Accession Number
• 1 FIRST CANADIAN PLACE TORONTO A6 M5X 1A1 (address) — Mailing and Business Address

FAQ

Key Financial Figures

• $6,323,000 — uct Supplement dated March 25, 2025 US$6,323,000 Senior Medium-Term Notes, Series K Ca
• $1,200.00 — ect to the Maximum Redemption Amount of $1,200.00 per $1,000 in principal amount of the n
• $1,000 — imum Redemption Amount of $1,200.00 per $1,000 in principal amount of the notes (a 20.
• $6,323,000.00 — Montreal 1 Per Note Total 100% $6,323,000.00 0.15% $9,484.50 99.85% $6,313,5
• $9,484.50 — Total 100% $6,323,000.00 0.15% $9,484.50 99.85% $6,313,515.50 1 The total
• $6,313,515.50 — 3,000.00 0.15% $9,484.50 99.85% $6,313,515.50 1 The total "Agent's Commission" and
• $998.50 — the notes in these accounts was between $998.50 and $1,000 per $1,000 in principal amou
• $989.00 — estimated initial value of the notes is $989.00 per $1,000 in principal amount. However
• $1,200 — pothetical Maximum Redemption Amount of $1,200.00, a hypothetical Maximum Downside Red
• $1,100.00 — $1,200.00 20.00% 110.00 110.00% $1,100.00 10.00% 105.00 105.00% $1,050.00
• $1,050.00 — $1,100.00 10.00% 105.00 105.00% $1,050.00 5.00% 100.00 100.00% $1,000.00
• $1,000.00 — $1,050.00 5.00% 100.00 100.00% $1,000.00 0.00% 95.00 95.00% $1,050.00
• $1,150.00 — $1,100.00 10.00% 85.00 85.00% $1,150.00 15.00% 80.00 80.00% $1,200.00
• $999.90 — $1,200.00 20.00% 79.99 79.99% $999.90 -0.01% 40.00 40.00% $600.00 -
• $600.00 — % $999.90 -0.01% 40.00 40.00% $600.00 -40.00% 20.00 20.00% $400.00

Filing Documents

• bmo5610_424b2-12363.htm (424B2) — 203KB
• ex-filingfees.htm (EX-FILING FEES) — 8KB
• image1.gif (GRAPHIC) — 15KB
• 0001839882-26-019297.txt ( ) — 326KB
• ex-filingfees_htm.xml (XML) — 2KB

From the Filing

5610 Registration Statement No.333-285508 Filed Pursuant to Rule 424(b)(2) Pricing Supplement dated April 02, 2026 to the Prospectus dated March 25, 2025, the Prospectus Supplement dated March 25, 2025 and the Product Supplement dated March 25, 2025 US$6,323,000 Senior Medium-Term Notes, Series K Capped Contingent Risk Absolute Return Buffer Notes due April 07, 2028 Linked to the S&P 500 Index The notes are designed for investors who are seeking 1-to-1 positive return based on any appreciation in the level of the S&P 500 Index (the "Reference Asset") , subject to the Maximum Redemption Amount of $1,200.00 per $1,000 in principal amount of the notes (a 20.00% return on the notes). In addition, if the Final Level of the Reference Asset is less than the Initial Level but greater than or equal to the Buffer Level (equal to 80.00% of the Initial Level), you will receive a positive return on your notes equal to the percentage by which that price declines up to the Maximum Downside Redemption Amount of $1,200.00 per $1,000 in principal amount of the notes (a 20.00% return on the notes). If the Reference Asset decreases by more than 20.00% from its Initial Level, investors will lose 1% of the principal amount for each 1% decrease in the level of the Reference Asset from its Initial Level to its Final Level in excess of 20.00%. In such a case, you will receive a cash amount at maturity that is less than the principal amount, and may lose up to 80.00% of your principal amount at maturity. Investing in the notes is not equivalent to a hypothetical direct investment in the Reference Asset. The notes do not bear interest. The notes will not be listed on any securities exchange. All payments on the notes are subject to the credit risk of Bank of Montreal. The notes will be issued in minimum denominations of $1,000 and integral multiples of $1,000. The CUSIP number of the notes is 06376KAC2. Our subsidiary, BMO Capital Markets Corp. ("BMOCM"), is the agent for this offering. See "Supplemental Plan of Distribution (Conflicts of Interest)" below. The notes will not be subject to conversion into our common shares or the common shares of any of our affiliates under subsection 39.2(2.3) of the Canada Deposit Insurance Corporation Act (the "CDIC Act"). Terms of the Notes: Pricing Date: April 02, 2026 Valuation Date: April 04, 2028 Settlement Date: April 07, 2026 Maturity Date: April 07, 2028 Price to Public 1 Agent's Commission 1 Proceeds to Bank of Montreal 1 Per Note Total 100% $6,323,000.00 0.15% $9,484.50 99.85% $6,313,515.50 1 The total "Agent's Commission" and "Proceeds to Bank of Montreal" specified above reflect the aggregate amounts at the time Bank of Montreal established its hedge positions on or prior to the Pricing Date, which may have been variable and fluctuated depending on market conditions at such times. Certain dealers who purchased the notes for sale to certain fee-based advisory accounts may have foregone some or all of their selling concessions, fees or commissions. The public offering price for investors purchasing the notes in these accounts was between $998.50 and $1,000 per $1,000 in principal amount. Investing in the notes involves risks, including those described in the "Selected Risk Considerations" section beginning on page P-5 hereof, the "Additional Risk Factors Relating to the Notes" section beginning on page PS-5 of the product supplement, and the "Risk Factors" section beginning on page S-1 of the prospectus supplement and on page 8 of the prospectus. Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these notes or passed upon the accuracy of this document, the product supplement, the prospectus supplement or the prospectus. Any representation to the contrary is a criminal offense. The notes will be our unsecured obligations and will not be savings accounts or deposits that are insured by the United States Federal Deposit Insurance Corporation, the Deposit Insurance Fund, the Canada Deposit Insurance Corporation or any other governmental agency or instrumentality or other entity. On the date hereof, based on the terms set forth above, the estimated initial value of the notes is $989.00 per $1,000 in principal amount. However, as discussed in more detail below, the actual value of the notes at any time will reflect many factors and cannot be predicted with accuracy. BMO CAPITAL MARKETS Key Terms of the Notes: Reference Asset: The S&P 500 Index (ticker symbol "SPX"). See "The Reference Asset" below for additional information. Payment at Maturity: If the Percentage Change is positive and the Percentage Change multiplied by the Upside Leverage Factor is greater than or equal to the Maximum Return, then the amount that the investors will receive at maturity for each $1,000 in principal amount of the notes will equal the Maximum Redemption Amount.